Why should I have Foreign Currency on Jenius?

– Various foreign currencies are available automatically.
– Competitive currency exchange rates.
– Simple activation without additional documents.
– Affordable deposits.
– Savings with 2.75% p.a. interest (USD only).
– Easily link to m-Card.
– Can send/receive foreign currency
to Jenius and other banks.
– Easily send/receive foreign currencies using $Cashtag

What are the benefits of Foreign Currency?

With Foreign Currency, you can do various international transactions (buy, save, sell, send, and receive foreign currencies) on 1 app.

You can also link the currency to your m-Card for cash withdrawals and transactions (including online transactions).

Who can use Foreign Currency?

Foreign Currency is available for all Jenius users with an active m-Card.

Is Foreign Currency automatically available?

The 9 (nine) foreign currencies in Foreign Currency feature are available automatically, but you need to activate them before using.

What Foreign Currencies are available on Jenius?

Foreign Currency feature on Jenius app offers USD (United States dollar), SGD (Singapore dollar), AUD (Australian dollar), HKD (Hong Kong dollar), GBP (British pound sterling), JPY (Japanese yen), EUR (Euro), THB (Thailand baht), CNY (Chinese yuan) and SAR (Saudi Arabia Riyal).

Where to find Foreign Currency on Jenius app?

– On the Home page, choose Rates above the Active Balance box.
– On the Menu page under the Foreign Currency section.
– On the Wealth page under the Active Balance section.

What is the difference between CNY (Chinese Yuan) and CNH (Chinese Yuan – offshore) in Jenius?

Both CNY and CNH are Chinese Yuan (RMB). The difference lies in how and where they are used.

CNY (Chinese Yuan) is the official symbol of China’s currency and is known as the “Yuan.” This currency is used within China or Mainland China. CNY is subject to export-import restrictions imposed by the Chinese government.

Meanwhile, CNH (Chinese Yuan Hong Kong) is a currency traded outside Mainland China. CNH is freely traded in currency markets around the world.

Technically, Jenius provides the service of buying and selling CNH according to applicable regulations. The buying and selling rates used are in CNH. However, for the app’s display, Jenius uses CNY because it is more commonly known to the general public.

How do I activate Foreign Currency in Jenius?

1. On the bottom navigation in your Jenius app, choose Menu.
2. On the Foreign Currency section, choose Rates & Accounts.
3. Select the Foreign Currency you wish to activate, then choose Activate.
4. Choose your activation purpose from the available options (saving/investment, business transactions, or personal transactions).
5. Determine your initial deposit amount, then select Next.
6. Ensure your personal data is updated, agree to the Terms & Conditions, then select Activate … (the text will follow the abbreviation of the Foreign Currency you’re activating).
7. Enter your Jenius password, then select Submit.
8. You have successfully activated your desired Foreign Currency.

Please note, there will be a rounding adjustment in your Rupiah Active Balance used to activate the Foreign Currency.

Besides the Menu page, you can also activate Foreign Currency from:
– On the Home page of your Jenius app, choose Rates above the Active Balance box, then choose Activate on the Foreign Currency that you’d like to activate.
– The Wealth page, go to the Cash menu, then choose Activate foreign currency.
– On the Home page of your Jenius app, choose Move Balance, tap the down arrow in the “To” section, then tap Activate foreign currency.

What is the minimum initial deposit to activate Foreign Currency in Jenius?

The initial deposit to activate Foreign Currency is very affordable, starting from: – 10 USD – 10 SGD – 10 AUD – 10 EUR – 10 GBP – 100 HKD – 1,000 JPY – 100 THB – 100 CNY – 10 SAR.

Is there a fee to activate Foreign Currency in Jenius?

No. You only need to ensure your initial deposit meets the applicable minimum requirements.

Are there operating hours for activating Foreign Currency in Jenius?

Foreign Currency activation in the Jenius app is available anytime, 24 hours a day, without operating hour restrictions, including national holidays.

Do I have to activate all Foreign Currencies available in Jenius?

The choice to activate Foreign Currency is entirely yours. You decide whether to activate one, two, or all of them.

Can I get a simulation of the Foreign Currency exchange rates before activating?

Yes. You can see today’s exchange rates and get an exchange rate simulation before transacting by following these steps:

1. On the Home page of your Jenius app, tap your profile picture on the top left corner of the screen to go to the Profile page.
2. Scroll down to the Help section, then choose SMBCI Care.
3. Choose Exchange Rate & Simulation.
4. See today’s exchange rates on the list provided, or scroll down and enter the amount to get an exchange rate simulation.

Other than that, you can access the Foreign Currency rates from here:
– On the Home page, choose Rates above the Active Balance section, or
– On the Menu page, choose Rates & Accounts under the Foreign Currency section.

However, the simulation can only be done from the Exchange Rate & Simulation page on the SMBCI Care page.

Where can I see all foreign currency exchange rates in Jenius?

You can access the foreign exchange rate page directly from the Home screen by tapping on Rates.

Alternatively, you can also access the rates page via Profile, then SMBCI Care, and select Exchange Rate & Simulation.

How to buy Foreign Currency on Jenius?

There are multiple accesses to buy Foreign Currency on Jenius app:
– From the Home page,
– From the Rates page,
– From Move Balance,
– From the Menu page, or
– From the Wealth page.

View how to buy from each accesses on the next few questions.

For your information, you can only buy Foreign Currency using IDR Active Balance.

How to buy Foreign Currency from Home page?

1. On the Home page of your Jenius app, on the row above the Active Balance box, choose the Foreign Currency you want to buy.
2. Choose Buy.
3. Input the amount you want to buy, then choose Next.
4. Agree to the statements on the confirmation page, then choose Buy.
5. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding (insert link) in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from Rates page?

1. On the Home page of your Jenius app, choose Rates above the Active Balance box.
2. Choose Buy on the Foreign Currency that you want to buy. This option will only appear if you’ve activated the Foreign Currency.
3. Input the amount you want to buy, then choose Next.
4. Agree to the statements on the confirmation page, then choose Buy.
5. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding (insert link) in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from Move Balance?

1. On the Home page in your Jenius app, choose Move Balance.
2. On the To field, tap the down arrow, then choose the foreign currency you want.
3. Input the amount you want to buy, then choose Move Balance.
4. Agree to the statements on the confirmation page, then choose Buy.
5. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from the Menu page?

1. On the bottom navigation in your Jenius app, choose Menu.
2. On the Foreign Currency section, choose Rates & Accounts.
3. Choose Buy on the Foreign Currency that you want to buy. This option will only appear if you’ve activated the Foreign Currency.
4. Input the amount you want to buy, then choose Next.
5. Agree to the statements on the confirmation page, then choose Buy.
6. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding in the Active Rupiah Balance used for Foreign Currency purchases.

How to buy Foreign Currency from Wealth page?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to the Active Balance section, then choose the activated Foreign Currency you want to buy.
3. Choose Buy now.
4. Input the amount you want to buy, then choose Next.
5. Agree to the statements on the confirmation page, then choose Buy.
6. You’ve successfully purchased Foreign Currency!

For your information, there will be rounding (insert link) in the Active Rupiah Balance used for Foreign Currency purchases.

How do I buy Foreign Currency from the Mobius Button?

Follow these steps:
– From your current screen, select the Mobius Button.
– Choose Move Balance.
– Under the “To” section, tap the down arrow, then select the appropriate foreign currency.
– Enter the purchase amount, then select Move Balance.
– Agree to the required statements, then select Buy.
– You have successfully purchased Foreign Currency!

For your information, there will be a rounding adjustment in your Active Rupiah Balance used for the foreign currency purchase.

Is there a minimum purchase amount for foreign currency in Jenius?

You can buy foreign currency in the Jenius app starting from 1 USD, 1 SGD, 1 AUD, 1 EUR, 1 GBP, 1 HKD, 1 JPY, 1 THB, 1 CNY, and 1 SAR.

Can I use all funds in my Active Rupiah Balance when buying foreign currency in Jenius?

No, you cannot. Jenius rounds down when converting foreign currency. Therefore, always ensure you leave some funds in your Active Rupiah Balance as a buffer for decimal conversions and rounding.

Is there a maximum purchase amount for foreign currency in Jenius?

Each month, you can purchase foreign currency up to an accumulated total of USD90,000 across all currencies.

Are there any transaction fees when buying foreign currency in Jenius?

No.

Are there operational hours for buying foreign currency in Jenius?

Foreign currency purchases in the Jenius app are available anytime, 24 hours a day, without operational hour restrictions, including national holidays.

Are there other funding sources available for buying foreign currency in Jenius besides using the Active Rupiah Balance?

No. Foreign currency purchases in Jenius can only be made using your Active Rupiah Balance.

What exchange rate applies when I buy foreign currency in Jenius?

The Jenius exchange rate applies.

Can I save in foreign currency?

Yes. Depending on the savings/investment options available during activation, you can use foreign currency for your savings.

How do I save foreign currency in Jenius?

Simply open the Foreign Currency feature, activate the desired foreign currency, then make a foreign currency purchase to add to your savings balance.

Does Foreign Currency savings on Jenius has interest?

Yes and for USD only. You will get 2,75% p.a. interest, valid starting on 19 August 2025.

Interest rates can change at any time according to bank policies, and if there are changes, they will be informed according to applicable regulations.

Other than USD, Foreign Currency savings on Jenius don’t have interest.

IIs there a minimum balance to get 2,75% interest p.a. in Foreign Currency savings (USD only)?

No. You will get 2,75% p.a. interest in Foreign Currency savings (USD only) without a minimum balance.

Is there any additional fee to get 2,75% interest p.a. in Foreign Currency savings (USD only)?

No. You will get 2,75% p.a. interest in Foreign Currency savings (USD only) without any additional fee.

How to sell Foreign Currency on Jenius?

There are multiple accesses to sell Foreign Currency on Jenius app:
– From the Home page,
– From the Rates page,
– From Move Balance,
– From the Menu page, or
– From the Wealth page.

View how to sell from each accesses on the next few questions.

How to sell Foreign Currency from Home page?

1. On the Home page of your Jenius app, on the row above the Active Balance box, choose the activated Foreign Currency you want to sell.
2. Choose Sell.
3. Input the amount you want to sell, then choose Next.
4. Check the confirmation page, then choose Sell.
5. You’ve successfully sold Foreign Currency!

How to sell Foreign Currency from Rates page?

1. On the Home page of your Jenius app, choose Rates above the Active Balance box.
2. Choose Sell on the Foreign Currency that you want to sell. This option will only appear if you’ve activated the Foreign Currency.
3. Input the amount you want to sell, then choose Next.
4. Check the confirmation page, then choose Sell.
5. You’ve successfully sold Foreign Currency!

How to sell Foreign Currency from Move Balance?

1. On the Home page in your Jenius app, choose Move Balance.
2. On the From field, tap the down arrow, then choose the foreign currency you want.
3. Input the amount you want to buy, then choose Move Balance.
4. On the confirmation page, choose Sell.
5. You’ve successfully sold Foreign Currency!

How to sell Foreign Currency from Menu page?

1. On the bottom navigation in your Jenius app, choose Menu.
2. On the Foreign Currency section, choose Rates & Accounts.
3. Choose Sell on the Foreign Currency that you want to sell. This option will only appear if you’ve activated the Foreign Currency.
4. Input the amount you want to sell, then choose Next.
5. Check the confirmation page, then choose Sell.
6. You’ve successfully sold Foreign Currency!

How do I sell Foreign Currency from the Home screen via the Rates button?

– Above the Active Balance box, tap Rates. – You’ll then be on the exchange rate page. – Select Sell for the foreign currency you want to sell. – Enter the selling amount, then tap Continue. – Review and agree to any required statements on the confirmation page, then tap Sell. – You’ve successfully sold your foreign currency!

For your information: Funds from foreign currency sales will be deposited into your Rupiah Active Balance.

How to sell Foreign Currency from Wealth page?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to the Active Balance section, then choose the activated Foreign Currency you want to sell.
3. Choose Sell now.
4. Input the amount you want to sell, then choose Next.
5. Check the confirmation page, then choose Sell.
6. You’ve successfully sold Foreign Currency!

How do I sell Foreign Currency from the Mobius Button?

– From your current screen, select the Mobius Button. – Choose Move Balance. – Under the “From” section, tap the down arrow, then select the relevant foreign currency. – Enter the selling amount, then tap Move Balance. – On the confirmation page, tap Sell. – You’ve successfully sold your foreign currency!

Is there a minimum amount when selling Foreign Currency in Jenius?

Yes. You can sell Foreign Currency in the Jenius app starting from: – 1 USD – 1 SGD – 1 AUD – 1 EUR – 1 GBP – 1 HKD – 1 JPY – 1 THB – 1 CNY – 1 SAR.

Is there a maximum amount when selling Foreign Currency in Jenius?

Yes. The maximum Foreign Currency sales in Jenius is USD 249,000 per transaction.

Are there transaction fees when I sell Foreign Currency in Jenius?

No, there are no transaction fees.

Are there operating hours for selling Foreign Currency in Jenius?

Selling Foreign Currency in the Jenius app is available anytime, 24 hours a day, without operational hour limits, including national holidays.

What exchange rate applies when I sell Foreign Currency in Jenius?

Jenius’s exchange rate applies.

Can I sell Foreign Currency to a balance other than Rupiah?

No. The proceeds from Foreign Currency sales will automatically be deposited into your Rupiah Active Balance.

What is rounding?

Literally, rounding is a way to simplify a value by making it a larger or smaller number.

Jenius rounds down foreign currency conversion results that have more than 2 decimal places. For example, a conversion result of 5.126 is rounded down to 5.12.

The purpose of this is to make it easier for you to read conversion results and to provide an accurate outcome.

Why does Jenius use 2-decimal rounding for foreign currency?

Jenius follows the standard of most foreign currencies, which have 2 decimal places. This makes your transactions smoother and easier to understand.

What are the rounding rules for Foreign Currency in Jenius?

Here are the specific rules for rounding:
– Jenius uses rounding down.
– Rounding applies to buying and selling Foreign Currency, including when you first activate a Foreign Currency account.
– Rounding applies to foreign currency conversion results that have more than 2 decimal places. For example, a conversion result of 5.126 is rounded down to 5.12.