Can I use Foreign Currency for cash withdrawals and transactions abroad?

Yes. You can use Foreign Currency for cash withdrawals and transactions after you link it to your m-Card.

Why do I have to link Foreign Currency to my m-Card if I want to do cash withdrawals and transactions?

Because your m-Card is by default linked to IDR Active Balance.

If you want to use Foreign Currency for cash withdrawals or transactions, you need to link the required Foreign Currency to m-Card.

After completing transactions with foreign currencies, make sure to re-link IDR Active Balance to your m-Card.

How to link Foreign Currency to my m-Card on Home page?

– Above the Active Balance, choose Foreign Currency you want to link.
– Choose Link to m-Card.
– Choose Yes, Proceed.
– You’ve successfully linked Foreign Currency to m-Card!

How to link Foreign Currency to my m-Card on Wealth page?

– On the bottom navigation, choose Wealth.
– Go to Cash menu, scroll down to Active Balance then choose Foreign Currency you want to link.
– Choose Link to m-Card.
– Choose Yes, Proceed.
– You’ve successfully linked Foreign Currency to m-Card!

What benefits will I get by linking Foreign Currency to my m-Card?

You can keep the value of your money optimal by not having to do a conversion each time you transact. Instead, you can withdraw cash or make transactions using the foreign currency of the country you visit.

Do I have to link Foreign Currency to my m-Card before going abroad? Can I link it when I arrive at the destination country?

You can link Foreign Currency to m-Card anytime, anywhere.

Link it before going abroad? Go ahead!
Link it once you arrive? You sure can!

You can even link Foreign Currency to your m-Card and use it for online transactions even though you are in Indonesia.

What will happen if I make transactions abroad but haven’t linked Foreign Currency to my m-Card?

If your abroad transaction happened when your m-Card is currently linked to IDR Active Balance, the transaction will be converted from Rupiah to the foreign currency that is used in that country and will be debited from the IDR Active Balance.

Conversion from rupiah to currency in that country will follow the applicable fees and exchange rates.

When I make a transaction in the United States and I haven’t linked the USD balance to my m-Card, will the money be debited from my USD balance?

No. The money will be debited from the balance linked to your m-Card regardless of which currency you transact. Therefore, make sure to link the right currency to your m-Card before making a transaction.

When I use my m-Card abroad, the EDC/ATM machine provides a conversion option for processing transactions. Which option should I choose?

First, ensure the Foreign Currency of that country is linked to your m-Card.

If the foreign currency is linked, choose to keep using the local currency/exchange rate so that your transaction is processed with a Foreign Currency already linked to the m-Card.

Do not select the currency/exchange rate according to the billing country as this will convert your transaction to Rupiah.

When Foreign Currency is linked to m-Card and I want to transfer money, pay bills, or top up e-wallet on Jenius app, will the transaction deduct the Foreign Currency balance?

No. Even though Foreign Currency is linked to m-Card, transactions such as top up e-wallets, money transfers, and bill payments still use IDR Active Balance.

If I make a transaction using Jenius Pay when Foreign Currency is linked to my m-Card, will the transaction deduct IDR Active Balance?

Yes. Transactions with Jenius Pay will deduct IDR Active Balance even though Foreign Currency is linked to m-Card.

Will my membership subscription payment fail if, on the billing date, my Foreign Currency is linked to m-Card?

No, all membership subscription transactions will be accepted as long as the payment method you choose uses the Visa network.

If I withdraw money from my savings or e-Card and x-Card when Foreign Currency is linked to m-Card, which balance will that money be added?  Does the money automatically go into Foreign Currency balance?

The money you withdraw from savings, deposits, e-Card, or x-Card will remain in rupiah balances and be added to IDR Active Balance. Even though a Foreign Currency is linked to your m-Card.

If there is an incoming transfer to my Jenius account when Foreign Currency is linked to the m-Card, what currency will I receive?

You will receive rupiah currency and added to IDR Active Balance according to the nominal transfer sent even though the Foreign Currency is linked to m-Card.

If I make a transaction in a currency that is not yet listed as a Jenius foreign currency, at which exchange rate will I be charged?

Visa exchange rates will apply for all transactions using Jenius Debit Cards (m-Card, x-Card and/or e-Card) for cash withdrawals, payments to merchants using the Visa Contactless system abroad, or POS (point of sale) payments, and online payments at overseas e-Commerce.

When I want to buy or sell Foreign Currency, do I have to link the Foreign Currency to my m-Card?

No. You can buy and sell Foreign Currency without linking it to m-Card.

Can I see the Foreign Currency balance at any ATMs located in Indonesia?

No. You can only see IDR Active Balance at ATMs in Indonesia. When m-Card is linked to a foreign currency, the ATMs will reject the transaction if you check your balance. You can check your Foreign Currency balance on Jenius app.

Can I make cash withdrawals at any ATMs in Indonesia when my m-Card is linked to my Jenius Foreign Currency?

No. You cannot make cash withdrawals at any ATMs in Indonesia when Foreign Currency is linked to your m-Card.

How much are the transaction fees for cash withdrawals at overseas ATMs if the m-Card I use is linked to a foreign currency?

– USD Active Balance: $1,5/transaction.
– SGD Active Balance: S$2,5/transaction.
– AUD Active Balance: A$2,5/transaction.
– HKD Active Balance HK$15/transaction.
– GBP Active Balance: £1,5/transaction.
– JPY Active Balance: ¥200/transaction.
– EUR Active Balance: €2/transaction.
– THB Active Balance: ฿60/transaction.
– CNY Active Balance: ¥15/transaction.

You will also be charged additional fees according to the ATMs from which you make cash withdrawals.

Can I make cash withdrawals and deposit Foreign Currency at BTPN branches?

No. Currently, you can’t make cash withdrawals and deposit Foreign Currency via BTPN branches.

You can only make Foreign Currency cash withdrawals at overseas ATMs and add Foreign Currency balances by buying it on Jenius app.

Other than cash withdrawals, what transactions can I do with Foreign Currency?

– Transactions on EDC machines overseas.
– Online transactions in overseas e-commerce sites

Ensure you have linked Foreign Currency to your m-Card so transactions can be processed using the foreign currency you want.

Can I make Foreign Currency transactions on EDC machines in Indonesia?

No. Currently, you can’t make transactions on EDC machines in Indonesia when Foreign Currency is linked to your m-Card.

Are there any additional fees when I make transactions using Foreign Currency linked to m-Card?

No.

Can I make online transactions in overseas e-commerce sites using my Foreign Currency?

Yes. You can use your Foreign Currency to make transactions on all overseas e-Commerce sites while in Indonesia or abroad.

In addition, you can make payments using rupiah (IDR) or Foreign Currency linked to m-Card to make transactions in Indonesian e-Commerce as long as the chosen payment method uses the Visa network.

Can I make online transactions on overseas e-commerce sites that accept payments outside the available Foreign Currency on Jenius?

Yes. If the currency linked to your m-Card is IDR, the payment will immediately be converted to the applicable currency.

If Foreign Currency is linked to m-Card, the currency will be converted to IDR first, then it will be converted to the applicable currency in the e-Commerce site where you make the payment.

Can Jenius Debit Cards be linked to an e-wallet in China?

Yes. You can link m-Card with e-wallets in China, such as Alipay and WeChat Pay.

What should I do if I can’t use Jenius Debit Card while traveling abroad?

Our Jenius Help is always ready to help you wherever you are. You can contact Jenius Help via chat inside Jenius app.