Who can use Jenius app?

All Indonesian citizens who already have KTP (Indonesian Identity Card) and smartphone.

I am still a student, can I create my own Jenius account?

Yes, you can, as long as you have a KTP (Indonesian Identity Card).

Can I still create a Jenius account if I’m not eligible to have a KTP (Indonesian Identity Card) yet?

No. You can’t make a Jenius account if you are not eligible yet to own a KTP (Indonesian Identity Card).

What kind of smartphone and operating system can be used for Jenius app?

All type of Android smartphones with min. Lollipop 5.0 operating system and iPhone with min. iOS 12 can experience Banking Reinvented by downloading Jenius app here.

Make sure to use the latest Jenius app version so you can use Jenius more optimally.

I’m a US citizen. Does that mean I can’t open a Jenius account?

Yes, you can’t. You need to have a KTP (Indonesian Identity Card) to open a Jenius account.

What should I prepare before creating Jenius account?

To create a Jenius account, you need to have an active e-mail and mobile number, prepare your KTP (Indonesian Identity Card) and a Taxpayer Identity Number (NPWP) that you submit in your tax report (if you have one).

If further verification is required, you need to prepare supporting documents such as Driving License/Passport/Student Card or other ID cards that the name listed in accordance with the original identity card.

Can I use my photocopied KTP (Indonesian Identity Card) for Jenius registration?

No, you can’t. You can only use your original KTP (Indonesian Identity Card). Photocopied, scanned, or edited KTP can’t be used for Jenius registration.

If I don’t have or have not yet received my e-KTP, can I create a Jenius account?

If you have a valid KTP, but not e-KTP, you can still create a Jenius account.

If you haven’t received and still in the process of creating an e-KTP, you can create a Jenius account by taking a picture of the copy of your e-KTP receipt in the registration process and providing an additional identification document to our Jenius Crew, such as SIM (driving license) or passport, while doing your account activation.

Can I use Reference Letter or e-KTP receipt to create a Jenius account?

Yes, you can, as long as the Reference Letter is still valid.

I don’t have an NPWP, can I create a Jenius account?

Yes, you can. If you don’t have an NPWP because you are not yet obligated to report tax, choose “No” under the question “Are you obligated to annually report and pay your tax?” in the registration process. Later on when you are obligated to file an annual tax report, don’t forget to upload your NPWP on the Profile page by tapping your profile picture on the top left corner of the Home page.

Alternatively, you can upload your parent’s or spouse’s NPWP.

Can I create a Jenius account without having a Taxpayer Identity Number (NPWP)?

Yes. Even so, you still have to upload your Taxpayer Identity Number (NPWP) within 2 weeks after completing the registration process.

Can I access Jenius Terms & Conditions from elsewhere?

Yes. You can read Jenius Terms & Conditions here.

Will I get a notification if there are any updates to the Terms & Conditions?

Yes. You will be notified via your registered e-mail if there are any updates to the Terms & Conditions within 30 working days before the new Terms & Conditions apply.

I didn’t receive the e-mail about the update of the Terms & Condition. What should I do?

Check your inbox and look for the latest e-mail from [email protected] or you might check your spam/junk as well.

If you couldn’t find it there, you can contact SMBCI Care at 1500 365 or e-mail [email protected] to get the latest version of the Terms & Conditions.

How do I access the previous Terms & Conditions version?

You can contact SMBCI Care at 1500 365 or e-mail [email protected] to request the previous version of the Terms & Conditions.

What if I disagree to the update of the Terms & Conditions?

If you don’t agree with the update of the Terms & Conditions, contact SMBCI Care at 1500 365 to get information on stopping the use of the product/service.

If you don’t adress your disagreement by contacting SMBCI Care within 30 working days after the Terms & Condition update info is sent, you will be considered to have agreed to it.

How can I start using Jenius?

You can start by downloading the Jenius app and doing the registration process inside the Jenius app.

How do I register a Jenius account?

You can visit a Jenius booth near you or simply follow these steps according to your needs in Jenius:

A. Register for Pay, Save, Grow purpose
1. Download the Jenius app on the App Store or Google Playstore.
2. Prepare your active e-mail and mobile number, KTP (Indonesian Identity Card) and Tax Payer Identity Number (NPWP, optional) to register.
3. On the intro page, choose I’m New to Jenius.
4. Input your active e-mail and mobile number.
5. Input the confirmation code sent to your e-mail and mobile number via SMS.
6. Create your Jenius password and device PIN.
7. Choose Pay, Save, Grow.
8. Continue the registration process by filling in the other data needed.
9. Complete Face Recognition for your account security. Make sure you don’t wear any accessories on your face, your connection is stable, you are in a well-lit spot, and your face is inside the frame for an optimal Face Recognition process.
10. Jenius registration is successful! Once your Jenius account has been activated, you can request your debit card (m-Card) from the Jenius app by adding IDR500,000 to your Active Balance. This is not a minimum balance and you can use it later.

B. Register for Credit Solution purpose
1. Download the Jenius app on the App Store or Google Playstore.
2. Prepare your active e-mail and mobile number, KTP (Indonesian Identity Card) and Tax Payer Identity Number (NPWP, optional) to register.
3. On the intro page, choose I’m New to Jenius.
4. Input your active e-mail and mobile number.
5. Input the confirmation code sent to your e-mail and mobile number via SMS.
6. Create your Jenius password and device PIN.
7. Choose Credit Solution.
8. Continue the registration and credit worthiness (Creditbility) application process by filling in the other data needed.
9. Complete Face Recognition for your account security. Make sure you don’t wear any accessories on your face, your connection is stable, you are in a well-lit spot, and your face is inside the frame for an optimal Face Recognition process.
10. Wait until your credit worthiness (Creditbility) verification process is completed. You’ll receive an e-mail once it’s done.
11. Once the credit worthiness (Creditbility) result is available and if the offer suits your needs, choose I Want It Now!.
12. After your account is active, you can continue the credit process by activating your credit products before the offer expires.

Can I still apply for Jenius credit products later if I chose Pay, Save, Grow during the registration?

Yes. You can still apply for Jenius products such as Jenius Paylater, Flexi Cash, or Jenius Credit Card once your account is active even if you chose Pay, Save, Grow when you register.

However, if applying for credit products is your main purpose of registering to Jenius, we recommend you to choose Credit Solution when you register so you can check your credit worthiness (Creditbility) sooner.

Can I still apply for Jenius credit products later if I chose Pay, Save, Grow during the registration?

Yes. You can still apply for Jenius products such as Jenius Paylater, Flexi Cash, or Jenius Credit Card once your account is active even if you chose Pay, Save, Grow when you register.

However, if applying for credit products is your main purpose of registering to Jenius, we recommend you to choose Credit Solution when you register so you can check your credit worthiness (Creditbility) sooner.

Can I still use Jenius for Pay, Save, Grow purposes if I chose Credit Solution during the registration?

Of course! You can still use Jenius for transactions, saving, and investment once your account is active even if you chose Credit Solution when you register.

How long is the registration process?

If you have already prepared your KTP (Indonesian Identity Card) and followed the procedure given, then the registration process will take less than 10 minutes.

Is there any requirement for e-mail address to be registered for Jenius?

Any e-mail address can be used as long as it is still active.

How long does it take for my KTP (Indonesian Identity Card) data to be read?

You only need to wait for a few seconds for your KTP (Indonesian Identity Card) data to be read if your KTP photo is clear and the KTP is in a good condition.

What if my KTP (Indonesian Identity Card) is already faded and can’t be read clearly?

You can still continue your Jenius registration by inputting your KTP (Indonesian Identity Card) data manually. Make sure the data you input is as stated on your KTP, ok!

Why is it mandatory to fill in personal data?

It is a requirement from OJK (as the regulator) when opening a bank account.

Can I still create a Jenius account if I don’t have my own income?

Yes, you can, just follow the given steps to register and activate your Jenius account in this page. However, you still need to upload a picture of your Beneficiary Owner’s Taxpayer Identity Number.

Is it possible to change the name that will be printed on the debit card during the registration process?

You can choose from the options we provide, but if it’s already printed on your main Jenius Debit Card or your m-Card, you won’t be able to make any changes.

I was asked to create PIN and password, what is the difference?

PIN and password are needed for different usage. PIN or device PIN is needed to access your Jenius account from your smartphone. Password is needed to log in and account verification when making transactions. For more information, you can read this article.

My registration process was interrupted, can I continue it?

You can continue the registration process with the same device within 3 days if your e-mail and password has successfully been registered. However, if you would like to continue with another device or reinstall the application, then you have to do the registration process all over again.

If your e-mail and password hasn’t been successfully registered, you’ll need to start over if your registration process was interrupted.

What should I do if my registration always fails?

Should this happen, please contact SMBCI Care at 1500 365 so that Jenius Crew can help you resolve the matter.

I’ve tried the registration process for a couple of times but always fail. Are there any certain steps I need to do?

Here are some things you need to consider while doing the registration process:
– E-mail address should be written in lowercase (max. 35 characters).
– Mobile numbers need to be typed manually (not copy-paste from the contact list on your smartphone) and avoid spaces.
– Make sure your e-mail and mobile number haven’t been used for Jenius registration before.
– Make sure the password consists of lowercase, capital letters, numbers, and at least 10 characters.
– Do not tap on your smartphone’s screen repeatedly while registering, please wait for the app to process your data.
– If you fail to enter your PIN 3 times, please wait for 5 minutes before trying again.

Can I use my Jenius account right after finishing the registration process?

After the registration process is done, you need to go through the account activation process.

If you chose the Pay, Save, Grow purpose: After completing the registration process, you’ll receive an email informing your account activation status in 5-15 minutes. If no further verification is needed, your account will be active soon and ready for you to use.

If you chose the Credit Solution purpose: After completing the registration process, you need to wait until your Creditbility (credit worthiness) is available. You’ll receive an e-mail once it’s available. Your account activation will then be processed right after.

If I chose the Credit Solution purpose, can I use the credit products right after my account is activated?

After your account is activated, you’ll need to activate your credit products first. You can do so from the Wealth page on the Credit menu of your Jenius app.

If in my place of residence there is no Jenius booth and Bank SMBC Indonesia branch offices, can I still use the Jenius application?

Yes, you can keep using Jenius app.

Can I change my personal details that is already registered in Jenius app?

Yes, you can, by following this steps only after your account is active:
1. Tap your profile picture on the top left corner of the screen.
2. Tap the gear icon on the top right corner of the screen.
3. Choose Personal Details.
4. Change your personal details, then choose Save.

If your account is not yet active, you can’t change your personal details. If you need to change your registration data, you can start over your registration using another e-mail and mobile number.

What should I do if I didn’t receive a verification code or OTP?

You can request a new verification code by pressing the Resend button. If you have requested for a new code 3 times in a row, please wait 5 minutes before continuing or contact SMBCI Care at 1500 365 for help.

How can I make sure that the e-mail and SMS for verification is really from Jenius?

Please make sure that the e-mail you received is from [email protected].

I don’t receive any SMS. What should I do?

First thing first, make sure you’ve input the right mobile number. Next, check your mobile network. If there’s been a network issue, restart your phone or put it on a flight mode for a moment then turn it off to try again.

How can I change my mobile number?

You can edit your number on the previous page where you input your mobile number and e-mail.

How can I make sure that the e-mail and SMS for verification is really from Jenius?

Please make sure that the SMS you received is from JENIUS.

What is Face Recognition?

A security feature that identifies the authenticity of the face detected in the camera.

Why do I have to do Face Recognition during the registration process of my Jenius account?

Face Recognition is needed to protect your KTP (Indonesian Identity Card) from being misused by other people, due to the fact that opening Jenius account does not take place in a bank and in front of a bank officer.

What are the device requirements for registering with Face Recognition?

You need an Android device with Lollipop 5.0 operating system or higher, or an iPhone with iOS 12 operating system or higher, equipped with:
1. a functioning front camera,
2. the latest version of the Jenius app, and
3. a stable internet connection.

What will happen if I register without updating my Jenius app to the latest version?

If you register without updating the Jenius app to the latest version, you’ll need to activate your account through a Video Call or by visiting a Jenius booth.

Before registering, make sure your Jenius app is up to date to experience faster and safer registration and account activation with Face Recognition.

How long does it take to complete Face Recognition on Jenius registration?

Face Recognition only takes a few seconds if you follow the instructions on the screen.

What do I need to prepare before doing Face Recognition on Jenius registration?

Make sure you don’t wear any accessories on your face, your connection is stable, you are in a well-lit spot, and your face is inside the frame.

How many times can I retry Face Recognition?

You have a total of 3 attempts to do Face Recognition. If you failed your first attempt, you have 2 attempts left to retry.

Can I still create a Jenius account if something goes wrong during Face Recognition?

Yes. After 3 failed Face Recognition attempts, you can still continue your registration and verify your personal data at the end of the registration process if something goes wrong during Face Recognition.

What should I do if I have reached maximum attempts, but still haven’t succeeded?

You can continue your registration process first and verify your personal data at the end of the registration process.

What should I do if Jenius couldn’t recognize my face?

You can finish your registration in a Jenius booth nearest to you. See Jenius booth locations here.