Cash Cow merupakan sebuah tabungan dengan bunga reguler kompetitif sebesar 6% p.a. yang saat ini dapat diisi melalui cashback yang didapatkan dari promo merchant favorit, dan juga kapabilitas Bayar & Nabung. Sebagai program spesial, Jenius menawarkan bunga tabungan Cash Cow 9% p.a. yang berlaku mulai 19 Maret hingga 31 Agustus 2025.
– 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.
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.
All Jenius users.
No need. Your Cash Cow will be automatically available on the Wealth page under the Save It section without needing to be created first.
On the Wealth page under the Save It section.
Cash Cow interest will be calculated daily and paid up monthly. The interest will be added to your Cash Cow balance.
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.
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.
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.
You can save in Cash Cow with no maximum balance limit.
You can withdraw money from your Cash Cow 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 From section, the choose Cash Cow.
3. Input the amount that you want to withdraw, then choose Move Balance.
4. Review your withdrawal details, then choose Withdraw.
5. You’ve successfully withdrawn your money from Cash Cow to Active Balance!
B. Through Cash Cow Details menu
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Cash Cow.
3. On the Details menu, choose Withdraw on the bottom of the page.
4. Input the amount that you want to withdraw, then choose Next.
5. Review your withdrawal details, then choose Withdraw.
6. You’ve successfully withdrawn your money from Cash Cow to Active Balance!
No fees will be charged if you withdraw your money from Cash Cow.
Yes, you can withdraw all of your Cash Cow balance.
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Cash Cow.
3. Choose the Transaction menu.
4. Look at the transaction history. Tap the transaction to see the details.
You can also see your Cash Cow 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 Cash Cow section to view your transaction history.
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.
Pay & Save is a way to make payments in the Jenius application while saving according to the amount of your payment to Cash Cow.
You can top up your Cash Cow faster without having to use special transaction cashback.
Pay & Save is available for in-app transactions with Active Balance as the source of funds like:
– Scan QRIS
– Pay Bills
No, you can’t. Pay & Save is only available for in-app transactions with Active Balance as the source of funds.
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.”
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.
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.
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.
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).
1. On the bottom navigation in your Jenius app, choose Wealth.
2. Scroll down to Save It section, then choose Cash Cow.
3. On the Details page under the Pay & Save section, you can view your Pay & Save quota for this month.
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.
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 there are no transaction issues, your transaction will still be successful even if your Cash Cow top up from Pay & Save was failed.
Yes, there is. Pay & Save is accessible on minimum version 4.26.0 (Android/iOS)
You can ask and answer questions 24 hours with NIX via website!
Activate your Jenius account immediately.
Hassle free, easy process.