# Jenius

> All-in-one digital banking app for managing finances, savings, credit, and investments. (iPhone/iPad app by PT. Bank SMBC Indonesia Tbk.)

- Source: https://appshunter.io/ios/app/jenius/id1079340119 (this page in markdown: same URL + `.md`)
- Developer: [PT. Bank SMBC Indonesia Tbk](https://appshunter.io/developer/855040986)
- Category: Finance
- Price: Free
- Rating: 3.50/5 from 124 App Store ratings · 98 written reviews indexed
- Age rating: 12+
- Requires: iOS 15.1 · 179 MB
- Languages: American English
- Released: 2016-09-04
- Data updated: 2026-08-18
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/jenius/id1079340119/reviews.md

## What is Jenius?

The simple way to manage your life/finance with an app and Visa debit and credit cards. 
More than 4,000,000 users have started to build a better financial life with Jenius.  

Now you can access all of your financial needs, from transactions, savings, credit, investment to financial reports in one place without switching between applications. 

Ready to start simplifying your life finance? 
Download Jenius, register and activate your account in no time. 

With Jenius main debit card and 3 additional debit cards, you can make transactions at various Visa merchants across the world. You will also have a virtual card for movies and music streaming services, games, and other online purchases.  

Interested in awesome rewards? With fully online application, management, and point redemption, Jenius Credit Card has a lot of generous offers for easier point collection. Redeem points into travel miles, points, even e-Wallet balance in real time. 
Lots of benefits are available to you in one place. Discover your free cash withdrawal quota, unlimited free transfers to other bank, Yay Points redemption, vouchers, and a variety of merchant offers in Your Rewards. 

If you have plans to travel around the world, 9 foreign currencies (USD, SGD, JPY, GBP, AUD, HKD, EUR, THB, CNY) are available 24/7 at Jenius app. Link them to your m-Card for international transactions with no conversions. 
For transactions, you can use: 
- Jenius Pay: Pay for your online shopping with just your $Cashtag 
- QRIS: Scan with Jenius for quick and easy payment option 
- Transfer Money: Transfer to various accounts 
- Pay Bills/VA: Pay all your bills with convenience, from internet, credit card, top up mobile credit, utilities zakat, and others 

Want to save up? Find your own suitable savings options: 
- Dream Saver: 5 savings to help you make dreams come true 
- Flexi Saver: 3 flexible savings to allocate money 
- Maxi Saver: Open as many deposits as you want from your smartphone 
- Cash Cow: Special savings for cashbacks and your daily transactions 
- Flexi Rasa Maxi deals: Locked savings for upfront cashback  

Other features that you can use: 
- Top up e-Wallet: An easy way to top up e-Wallet and e-Money GoPay, OVO, LinkAja, DANA, BNI TapCash, mandiri e-money, and ShopeePay 
- Pay Me: Send money requests 
- Split Bill: Easily split the bill 
- Flexi Cash: Cash out your flexible fund for various needs 
- Investment: Grow your wealth through mutual fund and bonds 
- Moneytory: Get insight for your financial report 

Just by paying Feesible (subscription fee) for only IDR10.000 per month, you can experience the simplicity of financial management with Jenius. 

Jenius is a digital banking app and part of PT Bank SMBC Indonesia is licensed and supervised by the Financial Services Authority (OJK), Bank Indonesia (BI) and member of the Indonesia Deposit Insurance Corporation (LPS). 
Find out more about this new way of banking at www.jenius.com and start a new, better life with Jenius. 

#ThinkUnthinkable

Head Office 
PT Bank SMBC Indonesia  
Menara SMBC – CBD Mega Kuningan 
Jl. Dr. Ide Anak Agung Gde Agung Kav 5.5-5.6 
Jakarta 12950 
Website: https://www.smbci.com/id/tentang-kami/segmen-usaha/jenius

## Key features

- All-in-one financial management
- Visa debit and credit cards
- Virtual cards for online purchases
- Rewards and point redemption
- Multi-currency support
- Various savings options
- Investment features

## What do users think of Jenius?

Overall sentiment: mixed

**Pros**

- 💰 Free transfers between banks
- 🌍 International transactions supported
- 👍 User-friendly interface design
- 💡 Innovative digital banking solution
- 📱 Easy money transfers using username only
- 💳 Convenient debit card functionality
- 📊 Helpful financial tracking features
- 🎯 Simple and intuitive app layout

**Cons**

- 🐢 Extremely slow app performance
- 🔐 Overly restrictive security/device requirements
- 📵 Frequent login failures and session timeouts
- 🐛 Persistent crashes and bugs
- ❌ Non-functional features after updates
- 🌐 Poor network error handling
- 📱 Geographic/region restrictions
- ⚠️ Unreliable payment processing
- 🔄 Mandatory frequent updates with bloat

**Commonly reported bugs**

- Login automatically logs out immediately after
- PIN verification fails despite correct input
- Session expires during PIN creation
- Face ID/Touch ID recognition failures
- App crashes when inviting users or accessing features
- Failed top-ups charged but funds not received
- History and upcoming transfers disappearing
- Credit card not working despite proper expiry dates
- App crashes after device unlinking
- Loading screens freeze indefinitely
- Chat disconnects during customer service interactions
- Balance deductions without successful transaction completion

**Most requested features**

- Flexible device switching without excessive security barriers
- Credit card visibility in app interface
- Improved video call verification settings for KTP focus
- Dark mode option
- 1Password password manager compatibility
- Better clipboard paste functionality
- Additional currency support (AUD)
- Improved notification system for card activation
- Simplified login process with multiple authentication options

## Recent user reviews (10 of 98)

All indexed reviews: https://appshunter.io/ios/app/jenius/id1079340119/reviews.md

### 1/5 — Stay away for your peace of mind

*2026-04-27, version 4.69.0*

Everything went well. Initially amazed with the features (multi currency, ease of use of the apps), then the a couple of headache came when there were funny card charges, then biggest one when I simply want to renew my device. 4-5 calls, video calls, emails : did not work. 
Was great , but not anymore.

### 1/5 — Saking AMAN na PEMILIK kagak bisa Login

*2026-03-12, version 4.63.2*

Coba dehh TIRU KEAMANAN PAYPAL.!!
Pas ganti device tetap bisa Login. .
Jaman Now Kebanyakan Punya 2HP, kalau Pebisnis bisa Lebih dari 3HP. . Susah banget kalo pas device 1 kehabisan batre & perlu Jenius, DUHH Kagak bisa Login & ribet ngurus urusnya.!! Mana di Kota kagak adye official na Jenius. . Dulu ngurus di Bank BTPN

### 1/5 — BAD CUSTOMER SERVICE

*2025-08-17*

I can’t use my debit card for any transactions while in the US, yet somehow they STILL MANAGED TO TAKE MONEY from me for a CANCELED PAYMENT. Do not expect to get a refund because the CUSTOMER SERVICE CHAT ENDS EVERY SINGLE MINUTE. I had to explain my situation to TEN DIFFERENT REPRESENTATIVES because every time i tried to explain, THE CHAT JUST ENDED.

### 1/5 — History dan Upcoming Hilang

*2025-01-16, version 4.17.4*

History tiba-tiba hilang di tahun 2024. Terus sekarang upcoming transfer untuk scheduled transfer juga tidak muncul.

### 2/5 — Functional but slow

*2024-08-10*

Not the best app but I’ve seen worse.

### 2/5 — Bugs

*2024-06-02*

Dear Jenius Team, 
I am a long term user of Jenius, I really dissapoonted with the bugs that Jenius oftem have. Now, when i write this comment, the big still happening and i can’t do transaction. I’d really appreciate if u fix it quickly. Thank u.

### 2/5 — Made an account but can’t login through the app.

*2024-05-30*

I made an account to open a high yield savings, but when I downloaded the app it required that I check off the box stating that I am not from America. I was allowed to make an account using an American address on the website, so why would I not be allowed to use the app?? Is this not the same Jenius bank that offers high yield savings or are you guys just not usable in America?

### 1/5 — I can't use the app

*2024-05-04, version 3.59.2*

I don't have an Indonesian phone number.

### 3/5 — Confused

*2024-05-01, version 3.59.2*

I usually log in to check my account using a browser which requires me to enter my USERNAME and pw. When I tried to use the app it’s asking for EMAIL ADDRESS (and password). I have not been successful in logging in using the app.

### 1/5 — Mixed information

*2024-03-08, version 3.56.3*

Is this for jenius bank savings accounts in the US?

## Frequently asked questions about Jenius

### What does Jenius do?

Jenius is a digital banking app that allows users to manage their entire financial life in one place. It offers features for transactions, savings, credit, investments, and financial reports, eliminating the need to switch between multiple applications.

### What are the key features of Jenius?

Key features include managing transactions, various savings options (Dream Saver, Flexi Saver, Maxi Saver, Cash Cow), credit card management with rewards, virtual cards for online purchases, multi-currency support for 9 foreign currencies, and investment options like mutual funds and bonds.

### How much does Jenius cost?

Jenius has a subscription fee called Feesible, which costs IDR10,000 per month. This fee grants users access to the simplicity of financial management offered by the app.

### What are the common use cases for Jenius?

Common use cases include managing daily expenses, saving for specific goals, making online purchases with virtual cards, transferring money, paying bills, topping up e-wallets, splitting bills with friends, and growing wealth through investments.

### Is Jenius available on different devices?

While the description doesn't explicitly state compatibility, as a mobile application, it is designed for use on smartphones and tablets. Users can download and register through the app to start managing their finances.

## Version history (last 5 releases)

### 4.82.0 — 2026-08-15

Now, Jenius users with Sinaya Prioritas status can get a special interest rate on Maxi Saver! The more Total Wealth you have, the higher your Maxi Saver interest, up to 6.55% p.a. Let's update now!

### 4.81.0 — 2026-08-12

Transfer Money now comes with a new look. On top of that, you can now save recipient details for international transfers in Jenius Contacts, which has been renamed to Saved Contacts. Let’s update your Jenius app now!

### 4.80.1 — 2026-08-02

Some enhancement for a better experience is coming your way. Go update the latest version of your Jenius app to get the full experience!

### 4.80.0 — 2026-07-28

We're continuously enhancing our app to improve your experience when transacting using Jenius. Go update to the latest version for an even better Jenius experience!

### 4.79.0 — 2026-07-18

We’re constantly improving our app to give you a better and safer transaction experience. Update now and turn on auto-update so you don’t miss out!

## Apps similar to Jenius

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Continental Bank](https://appshunter.io/ios/app/continental-bank/id1527526340) | 4.2 (5) | Free | Finance |
| [Currency Now](https://appshunter.io/ios/app/currency-now/id1525402900) | — | Free | Finance |
| [KRAKONS Wallet](https://appshunter.io/ios/app/krakons-wallet/id1524413440) | — | Free | Finance |
| [LinkAja / LinkAja Syariah](https://appshunter.io/ios/app/linkaja-linkaja-syariah/id984436451) | 3.2 (208) | Free | Finance |
| [Metro Bank Authenticator](https://appshunter.io/ios/app/metro-bank-authenticator/id1524446800) | — | Free | Finance |
| [Gold Loan at Home](https://appshunter.io/ios/app/gold-loan-at-home/id1527737940) | — | Free | Finance |

## Related topics

[jenius bank](https://appshunter.io/ios/topics/jenius-bank) · [jenius](https://appshunter.io/ios/topics/jenius) · [adakami](https://appshunter.io/ios/topics/adakami) · [kredit pintar](https://appshunter.io/ios/topics/kredit-pintar) · [jenis](https://appshunter.io/ios/topics/jenis) · [bank jago](https://appshunter.io/ios/topics/bank-jago) · [kredivo](https://appshunter.io/ios/topics/kredivo) · [smbc digital](https://appshunter.io/ios/topics/smbc-digital)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-18.*