Green Club is a program for all Jenius Users that provides different benefits based on the user’s Club categorization. Categorization is based on the previous month’s average balance. Changes in the current month’s average balance will affect the user’s Club level in the following month.

Through Green Club, Jenius aims to support Users in managing and developing better finances while providing special rewards and benefits in each Club level achieved by Users.

What Clubs are available in Jenius?

There are 5 Clubs in Jenius:
1. Seed
2. Plant
3. Grow
4. Nurture
5. Bloom

Outside of Clubs, there is Sinaya Priority status. Sinaya Priority is a status given to Jenius Users with total wealth min. IDR 500,000,000 excluding average balance, including investment products, bancassurance, and branch deposits. If Users receive a Sinaya Priority invitation, they can enjoy priority benefits along with benefits from Green Club.

What are the requirements for each Club?

Clubs are calculated based on the previous month’s average Jenius balance. Here are the balance requirements for each Club:
1. Seed: Average balance below IDR1,000,000
2. Plant: Minimum average balance IDR1,000,000 – IDR 9,999,999
3. Grow: Minimum average balance IDR10,000,000 – IDR 99,999,999
4. Nurture: Minimum average balance IDR100,000,000 – IDR 499,999,999
5. Bloom: Minimum average balance IDR500,000,000
This average balance is calculated from all active funds processed through the Jenius App, excluding investment products, bancassurance, and branch deposits.

What benefits do you get in each Club?

How to upgrade to Sinaya Priority?

See complete information about Sinaya Priority here.

I just registered a Jenius account and don’t have a balance in it. Will I still be able to enjoy free transaction fees from Jenius?

If you have just registered a Jenius account, you will get unlimited free transfer fee using BI-FAST method which automatically selected by system. Moreover, you will get 2 quotas for free ATM cash withdrawal that available until the end of month of your completed registration.

If I have just activated my Jenius account 1 month after the registration process, will I still get the free cash withdrawal fee?

No. Free Bersama/Prima ATM cash withdrawal is calculated for one month after registration. If you have just activated one month after registration, you will lose the opportunity to enjoy free Bersama/Prima ATM cash withdrawal. However, you can still enjoy free transaction fees based on your Awards quota.

Does the highest Green Club tier (Bloom) replace Sinaya Prioritas?

Club Bloom does not replace Sinaya Prioritas. Jenius users who are Sinaya Prioritas customers will still retain their special Sinaya Prioritas privileges along with the benefits of Club Bloom, regardless of their current Club tier.

Where can I find my Sinaya Prioritas status in Green Club?

To find your Sinaya Prioritas status in the Green Club page, open the Green Club section by tapping the Club icon at the top right of the Home screen. Then scroll down until you see your Sinaya Prioritas information and the list of privileges you have.

I’m a Sinaya Prioritas customer — what benefits will I receive?

In addition to the Club Bloom benefits, Sinaya Prioritas customers are entitled to:

– Special Sinaya Prioritas rewards with various fee waivers-Exclusive financial services from a personal relationship manager
– International and domestic travel insurance with coverage up to IDR 1.5 billion
– Priority Pass with access to 1,700 airport lounges
– Priority for Family: Sinaya Prioritas services extended to your family

If I upgrade to Sinaya Prioritas in the middle of the month, will I immediately receive Bloom-level benefits on that day?

No. You will continue receiving the benefits of your current Club tier until the end of the month. Bloom benefits will be applied starting the following month.

As a Sinaya Prioritas customer, how many free cash withdrawal quotas do I get?

You will receive 50 free cash withdrawal transactions per month, which include:

– Rupiah withdrawals from domestic (Prima/Bersama) and overseas ATMs
– Foreign currency withdrawals from overseas ATMs (Visa/Visa+ networks)
These two types of withdrawals share the same 50-transaction quota, not separate (not 50 + 50).

I’m in Club Bloom but not a Sinaya Prioritas customer. Does my free cash withdrawal quota also include foreign currency withdrawals like Sinaya Prioritas benefits?

No. Your free cash withdrawal quota only applies to Rupiah withdrawals from Prima/Bersama ATMs, with a limit of 50 transactions per month.

How do I upgrade to Sinaya Prioritas?

Find more detailed information about Sinaya Prioritas here.

What is Average Monthly Balance?

Average Monthly Balance is the total sum of your daily Jenius Total Balance over a month, divided by the number of days in that month. There are two types of average monthly balances: last month’s average balance and this month’s average balance.

For last month’s average balance, the figure is calculated based on the total balance of each day in the previous month and divided by the number of days in that month. This figure determines your Green Club tier for the current month.

For this month’s average balance, the figure is calculated based on the total daily balances from the 1st of this month up to yesterday, then divided by the number of days that have passed. This balance will determine your Green Club tier for the following month.

How can I check my average monthly balance?

Open the Jenius app, look at the top right corner, and tap the Green Club badge. This badge is a small colored box that shows your Club name and a plant logo that corresponds to it.
You’ll be directed to the Green Club page, where you’ll see the average balance from last month, which determines your current Green Club tier.
To view the average balance for the current month, you can tap ‘This month’s average balance.’

Is the calculated balance only from the main account (Active Balance)?

No. The calculated balance is your total Jenius account balance, including funds in Dream Saver, Flexi Saver, Maxi Saver, Foreign Currency, Jenius Business Cards. The balance does not include investment products such as mutual funds, bancassurance, bonds, and branch deposits.

I have a Flexi Cash balance that I haven’t withdrawn into Active Balance. Is it included in the average balance calculation?

No. The balance in the Flexi Cash menu that hasn’t been withdrawn into Active Balance is not included in your Jenius account average balance.

I just withdrew Flexi Cash into Active Balance. Is that included in my average balance calculation?

Yes. Once you’ve withdrawn funds from Flexi Cash into Active Balance, that amount will be included in your Jenius account’s average balance calculation.

I was being informed about the monthly free transaction fee being cancelled, is that true?

The monthly free transaction fees from Jenius is still available.
Starting from 1 July 2024, customers can enjoy unlimited interbank free transfer fees using the BI-FAST transfer method, which is automatically selected by the Jenius app system.

For the monthly quota of free cash withdrawal fees, it is now adjusted based on the average balance from the previous month.

How does the new free cash withdrawal apply?

At the beginning of each month, Jenius will provide a quota of free cash withdrawals at Bersama/Prima ATMs based on the customer’s average balance calculated from the Total Balance in the previous month with the following conditions:

– If the customer’s average balance is under IDR 1,000,000 (Basic level), they will receive 2x free ATM withdrawals at Prima/Bersama ATMs.
– If the customer’s average balance is between IDR 1,000,000 and IDR 9,999,999 (Smart level), they will receive 5x free ATM withdrawals.
– If the customer’s average balance is IDR 10,000,000 or more (Jenius level), they will receive 25x free ATM withdrawals.

Starting 1 July 2024, customers can also enjoy unlimited interbank transfer fee waivers using the BI-FAST method, automatically applied by the Jenius system.

Will my quota be reset every month?

Yes. The quota of free transaction fees, based on your average balance from the previous month, will be updated and informed on the first day of each month.

What does the average monthly balance mean?

The monthly average balance is the sum of your Total Daily Balance for a month divided by the number of days in that month.

Is the balance that will be calculated only the fund in the main account (Active Balance) or all funds including Dream Saver, Flexi Saver, and Maxi Saver?

The calculated balance is your Total Jenius Account Balance, including funds in Dream Saver, Flexi Saver, Maxi Saver, and Jenius Debit Cards.

How can I find out my average balance every month?

You can find it in the Awards menu inside the Jenius app. The new quota is updated on the first day of each month.

What is Bonus that is stated in the Awards menu?

Bonus refers to free transaction fees given due to your activeness in using Jenius. Currently, this Bonus is available to new customers who registered starting November 1, 2018.

What does the level (Basic, Smart, Jenius) in Awards menu mean?

The levels in the Awards menu represent the tiering based on your average monthly balance:

1. Basic refers to the average balance level below Rp1,000,000.
2. Smart refers to the average balance rate of Rp1,000,000 – Rp9,999,999.
3. Jenius refers to the average balance level of IDR 10,000,000 or more than IDR 10,000,000.

If I don’t have free transaction quotas anymore, can I still make a money transfer to other banks and/or withdraw cash at ATM Prima/Bersama?

Yes. You can still make a transfer and/or withdraw cash but you will be charged a transaction fee.

Which transactions will reduce my free transaction quota?

The type of transactions that will reduce your free transaction quota are:

1. Transfers to other banks through the Jenius app:
   a) Transfer via the Send It menu using the BI-FAST method

2. Cash withdrawals at any ATMs using Jenius Debit Cards (m-Card and x-Cards):
   a) Prima Network
   b) Bersama Network

How much is the transaction fee that will be charged to me?

Starting from 1 July 2024, there will be no fee for transfers using the BI-FAST method. A transfer fee applies only to these methods:

– Online transfer (RTOL): IDR 5,000
– SKN transfer: IDR 2,900
– RTGS transfer: IDR 25,000
For cash withdrawals at Prima/Bersama ATMs, you will be charged IDR 7,500 per transaction.

If I transfer to another bank or withdraw cash by using SMBC/Jenius ATMs, will I still be charged with a transaction fee?

If you transfer to another bank using SMBC/Jenius ATMs, you will be charged IDR 6,500 per transaction. However, if you withdraw cash using SMBC/Jenius ATMs, no fee will be charged.

Where can I find the location of SMBC/Jenius ATMs?

SMBC/Jenius ATMs are available in many locations. You can find them here or through the Jenius app in the Find Us menu.

I still have quotas on free cash withdrawal at any ATMs and I use an additional Jenius Debit Card (x-Card) to withdraw cash. Will that reduce my quota?

Yes. Cash withdrawals using the x-Card will reduce your quota. Any withdrawals using the m-Card, x-Card, or a Special Card will count toward your monthly free quota.

I still have more quota on free cash withdrawal, but why am I still being charged with IDR 4,000?

If you check your balance at a Prima/Bersama ATM, you will be charged IDR 4,000 as a balance inquiry fee.
If you proceed with a cash withdrawal afterward, you won’t be charged since you still have a free quota.
That’s why it’s best to check your balance directly from the Jenius app to avoid unnecessary fees.