What are the advantages of using Dream Saver?

– Interest of 2,5% p.a.
– Initial balance as low as Rp1
– Set the amount/period for autodebit deposits you want
– Withdraw anytime without penalty
– Withdraw all your money without a minimum balance
– Create up to five savings accounts
– Create, manage, and withdraw Dream Saver directly from the Jenius app

What are the benefits of using Dream Saver?

The benefit of using Dream Saver is that you can create 5 auto-debit savings for 5 different dreams with an interest rate of 2.5% annually (p.a.).

You are free to set your achievement targets, achievement dates, initial deposits, and deposit periods according to your ability (daily, weekly, or monthly).

You can also name and add a photo to your Dream Saver to make saving even more motivating.

Who is able to use Dream Saver?

All Jenius users.

Where can I find the Dream Saver feature?

On the Wealth page under the Save It section.

How can I create a new Dream Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section. If you don’t have any Save It yet, choose Start Save It, read the first time tutorial, then choose Start Save It. If you’ve already have a Save It, choose Add Save It.
3. Choose Dream Saver.
4. Create a name for your dream, add a photo (optional), input the amount that you have to save, then choose Next.
5. Set up the first balance, auto-saving period, and auto-saving amount. If you want to lock the completion date, tap the Lock completion date toggle. You can also change the completion date according to your target. Once everything is set, choose Next.
6. Review your Flexi Saver details, then choose Create Savings.
7. You’ve successfully created a new Dream Saver!

How many Dream Savers can I make?

You can make up to 5 Dream Savers.

If I already have more than 5 Dream Savers before, can I still create another Dream Saver?

No, you can’t. If you already have more than 5 Dream Savers, you need to complete or stop an ongoing Dream Saver to add a new one.

What is the minimum initial deposit to create a Dream Saver?

The minimum initial deposit to create a Dream Saver is IDR1.

How long is the maximum period for each Dream Saver?

The maximum period for each Dream Saver is 10 years.

How do I add money from the Active Balance to Dream Saver?

You can add/top up your Dream Saver in 2 ways:

A. Through Move Balance
1. On the Home page in your Jenius app, choose Move Balance.
2. Tap the down arrow in the To section, the choose the Dream Saver that you want to top up.
3. Input the amount that you want to top up, then choose Move Balance.
4. Review your top up details, then choose Top Up.
5. You’ve successfully topped up your Dream Saver!

B. Through Flexi Saver Details menu
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Select one of the Dream Savers that you want to top up.
4. On the Details menu, choose Top Up on the bottom of the page.
5. Choose Active Balance.
6. Input the amount that you want to top up, then choose Next.
7. Review your top up details, then choose Top Up.
8. You’ve successfully topped up your Dream Saver!

Notes:
– If you lock the completion date, the auto-saving amount will be adjusted.
– If you don’t lock the completion date, the completion date will be adjusted.

Can I add funds to Dream Saver other than from Active Balance?

Yes, you can do that by sending money request to other people.
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose one of the Dream Savers you want to add funds to.
4. On the Details menu, choose Top Up on the bottom of the page.
5. Choose Request from others.
6. Select the friends you want to send the top up request to or add manually by inputting their $Cashtag, then choose Done.
7. Input the amount of money you want to request and choose Send Request.
8. You’ve successfully sent the request! To accept the request, your friend has to go to the bell icon on their Jenius app, find the request, then choose Send Money.

How can I see my Dream Saver transaction history?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Select the Dream Saver whose transaction history you want to see.
4. Choose the Transaction menu.
5. Look at the transaction history. Tap the transaction to see the details.

You can also see your Dream Saver transaction history on your e-Statement by following these steps:
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 Dream Saver section to view your transaction history.

How can I see the interest I’ve received from my saving in Dream Saver?

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

How do I change my Dream Saver’s autodebet settings?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose which Dream Saver you want to reset the automatic saving for.
4. Tap More, then choose Settings.
5. Change the amount of the automatic saving as you want.
6. Review the saving details before tapping Next.

Can I change my automatic savings frequency?

Yes, you can, by following these steps:
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Choose which Dream Saver you want to reset the frequency for.
2. Tap More, then choose Settings.
3. Choose which frequency is most suitable for your; daily, weekly or monthly.
4. Tap Save.

How can I change the total amount of money I need to save in my Dream Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose one of your Dream Saver that you want to change.
4. Choose Edit.
5. Change the target amount you have to save.
6. Review the saving details before tapping Save.

Is there a minimum or maximum limit for daily saving in Dream Saver?

If you don’t lock the achievement date, the minimum daily savings amount must be achievable within 10 years. Meanwhile, there is no maximum limit for daily saving amount.

Can I pause my Dream Saver?

Yes. You can pause your Dream Saver.

How do I delay or pause my Dream Saver?

You can pause your Dream Saver by following these steps:
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Flexi Saver.
3. Choose one of the Dream Savers you want to pause.
4. Tap Edit.
5. Tap Pause.

Will I still receive the interest eventhough I suspend/pause my Dream Saver?

Yes. The interest will still be calculated and you will still receive it even after you pause your Dream Saver.

Can I cancel my saving in Dream Saver even if the term is not over yet?

Yes, you can cancel and withdraw your saving in Dream Saver anytime you want.

Is there any penalty for pausing or canceling my Dream Saver before the end of term?

My Dream Saver is already completed, but why I can’t see the added money in my Active Balance yet?

After you’ve reached the nominal target, you have to close the saving in your Dream Saver so the money will be transferred automatically to your Active Balance.

How can I finish an achieved Dream Saver?

1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Dream Saver.
3. Choose a finished Dream Saver.
4. On the Details menu, choose Finish Dream Saver on the bottom of the page.
5. You’ve achieved your dream! Your Dream Saver balance will be transferred to you Active Balance.