What are the advantages of using Cash Cow?

– Interest of 9% p.a.*
– Track the cashback you got from special transaction deals easily.
– The cashback will be sent to your Cash Cow instantly.
– Makes it easy for you to save while making transactions.

*Applies until 31 August 2025. After then, 6% p.a. interest will apply.

What are the benefits of using Cash Cow?

It makes it easier for you to save as you make transactions, collect the cashback you got in one place, and grow it with 9% p.a. interest during the program period.

Who is able to use Cash Cow?

All Jenius users.

Do I need to create my Cash Cow first before I can use it?

No need. Your Cash Cow will be automatically available on the Wealth page under the Save It section without needing to be created first.

Where can I find my Cash Cow?

On the Wealth page under the Save It section.

How is the Cash Cow interest calculated?

Cash Cow interest will be calculated daily and paid up monthly. The interest will be added to your Cash Cow balance.

How do I add money to my Cash Cow?

You can add money (top up) your Cash Cow in 2 ways:

– Pay & Save: Save as much as your transaction amount while you pay in Jenius app. View more information about it under the Pay & Save section on this page.

– Cashback: Collect it by making transactions with special transaction cashback deals currently ongoing in Jenius. Check out the ongoing special transaction deals here.

Will cashback from every deals in Jenius be sent to Cash Cow?

Not all of it. You can check the mechanism and the Terms & Conditions of the deals to see where the cashback from the deal will be sent to.

Can I top up my Cash Cow from my Active Balance?

You can’t top up your Cash Cow directly from your Active Balance. However, you can top up your Cash Cow by making a payment from your Active Balance with Pay & Save. View more information about it under the Pay & Save section on this page.

What is the maximum amount that I can save in Cash Cow?

You can save in Cash Cow with no maximum balance limit.

How do I withdraw my money from Cash Cow to my Active Balance?

You can withdraw money from your Cash Cow in 3 ways:

A. Through Move Balance

1. On the Home page in your Jenius app, choose Move Balance.
2. Tap the down arrow in the From section, the choose Cash Cow.
3. Input the amount that you want to withdraw, then choose Move Balance.
4. Choose Yes, Continue.
5. Review your withdrawal details, then choose Withdraw.
6. You’ve successfully withdrawn your money from Cash Cow to Active Balance!

B. Through the Savings & Deposits section

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Savings & Deposits section, then choose Cash Cow.
3. Choose Withdraw.
4. Choose Yes, Continue.
5. Input the amount that you want to withdraw, then choose Next.
6. Review your withdrawal details, then choose Withdraw.
7. You’ve successfully withdrawn your money from Cash Cow to Active Balance!

C. Through the Your Rewards menu

1. On the Home page in your Jenius app, tap the Your Rewards box.
2. Tap the Cash Cow balance box.
3. Choose Withdraw.
4. Choose Yes, Continue.
5. Input the amount that you want to withdraw, then choose Next.
6. Review your withdrawal details, then choose Withdraw.
7. You’ve successfully withdrawn your money from Cash Cow to Active Balance!

Is there any fee charged when I withdraw money from Cash Cow?

No fees will be charged if you withdraw your money from Cash Cow.

Can I withdraw all of my Cash Cow balance?

Yes, you can withdraw all of your Cash Cow balance.

How can I see my Cash Cow transaction history?

You can see your Cash Cow transaction history in 3 ways:

A. Through the Your Rewards menu

1. On the Home page in your Jenius app, tap the Your Rewards box.
2. Tap the Cash Cow balance box.
3. Tap the transactions icon on the top right corner of the screen.
4. Look at the transaction history. Tap the transaction to see the details.

B. Through the Savings & Deposits section

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Savings & Deposits section, then choose Cash Cow.
3. Tap the transactions icon on the top right corner of the screen.
4. Look at the transaction history. Tap the transaction to see the details.

C. Through e-Statement

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Tap the e-Statement icon on the top right corner.
3. Choose the month and the year of the e-Statement that you want to see.
4. Scroll down to the Cash Cow section to view your transaction history.

How can I see the interest I’ve received from my savings in Cash Cow?

You can view the interest you’ve received from saving in Cash Cow by tapping on Transactions menu inside your Cash Cow or from monthly e-Statement.

What is Pay & Save?

Pay & Save is a way to make payments in the Jenius application while saving according to the amount of your payment to Cash Cow.

What are the advantages of using Pay & Save?

You can top up your Cash Cow faster without having to use special transaction cashback.

In which transactions can I use Pay & Save?

Pay & Save is available for in-app transactions with Active Balance as the source of funds like:
– Scan QRIS
– Pay Bills

Can I Pay & Save with source of funds other than my Active Balance?

No, you can’t. Pay & Save is only available for in-app transactions with Active Balance as the source of funds.

How do I top up my Cash Cow with Pay & Save?

1. Make sure your Active Balance is sufficient.
2. When you make payments with Scan QRIS or Pay Bills feature, choose Pay & Save on the confirmation page.
3. Pay & Save is successful! The money will be added to your Cash Cow from your Active Balance.”

How much will be saved to my Cash Cow if i use Pay & Save?

As much as your payment amount. For example, if you make a QRIS payment of IDR75,000 with Pay & Save, then a total of IDR150,000 will be deducted from your Active Balance with these details:

– IDR75,000 for your QRIS payment to the merchant, and
– the other IDR75,000 will be saved to your Cash Cow.

Notes:
– If your payment amount is larger than IDR250,000, the amount that will be saved to your Cash Cow is no longer as much as your payment amount. Instead, it will be IDR250,000 according to the maximum amount that can be saved to Cash Cow in one transaction.
– If your montly Pay & Save quota is below the payment amount, then the amount that will be saved to your Cash Cow is adjusted according to your remaining monthly quota.

How much is the maximum amount that I can save to my Cash Cow with Pay & Save in one transaction?

The maximum amount that can be saved to Cash Cow with Pay & Save is IDR250,000 per transaction.

For example, if you make a payment of IDR300,000 with Pay & Save, only IDR250,000 will be saved to your Cash Cow.

Is there any maximum monthly quota that I can save to my Cash Cow with Pay & Save?

Yes, there is. You can save to Cash Cow with Pay & Save up to IDR5,000,000 every month. This quota will be reset every month.

What will happen if my remaining Pay & Save monthly quota is under the payment amount I’m about to make?

If your remaining monthly quota for Pay & Save is below the payment amount, the money that will be saved to Cash Cow will be equal to your remaining monthly quota.

For example, if you have already saved IDR4,950,000 with Pay & Save this month, then when you make the next payment of IDR75,000, only IDR50,000 will be saved to your Cash Cow (according to your remaining Pay & Save quota).

How can I see my remaining Pay & Save quota this month?

You can see your remaining Pay & Save quota in 2 ways:

A. Through the Your Rewards menu

1. On the Home page in your Jenius app, tap the Your Rewards box.
2. Tap the Cash Cow balance box.
3. Swipe up on the “How to top up Cash Cow” box to see your remaining Pay & Save quota for this month.

B. Through the Savings & Deposits section

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Savings & Deposits section, then choose Cash Cow.
3. Swipe up on the “How to top up Cash Cow” box to see your remaining Pay & Save quota for this month.

If I’ve reached the maximum Pay & Save quota for the month, can I still receive cashback to my Cash Cow?

Yes, of course! The cashback that you get from special transaction deals is excluded from the Pay & Save monthly quota. That means, you can still receive the cashback in your Cash Cow even when you’ve reached the maximum Pay & Save quota for the month.

If my Active Balance is insufficient for Pay & Save, but is sufficient to make the transaction, can I still proceed my transaction?

Yes. If your Active Balance is sufficient to make the payment but insufficient for Pay & Save, you can still proceed with your transaction as usual by selecting the Pay Now button on the payment confirmation page.

If my Cash Cow top up from Pay & Save was failed, will my transaction also be failed?

If there are no transaction issues, your transaction will still be successful even if your Cash Cow top up from Pay & Save was failed.

Is there a minimum app version to be able to use Pay & Save?

Yes, there is. Pay & Save is accessible on minimum version 4.26.0 (Android/iOS)