Jenius vs blu by BCA Digital
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Jenius
Manage your finances and daily life with a single app. Access transactions, savings, credit, and investments all in one place. Enjoy features like virtual cards, rewards, and multi-currency support for seamless global transactions.
- 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
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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
blu by BCA Digital
This mobile banking application offers a seamless financial experience to help users achieve their goals. It provides secure transactions, multiple savings options, and convenient payment features. Users can also access investment services and enjoy fee-free banking.
- 20 savings accounts in 1
- Online group pooling for up to 50 people
- Deposits with early withdrawal without penalty
- Pay/buy within one app
- QRIS payments
- Virtual and debit cards with Mastercard
- Cash withdrawal/deposit at BCA ATMs
- Investments via bluInvest
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blu Siap Jadi Pegangan Finansialmu! blu menjawab kebutuhan finansial kamu dengan cara baru agar kamu bisa wujudkan apa pun yang kamu tuju. blu adalah aplikasi mobile banking dari BCA Digital, anak perusahaan BCA blu punya layanan seamless yang bisa bikin kamu tenang dengan: • Koneksi ke sistem BCA • Sistem keamanan transaksi menggunakan PIN, Password, CVC, dan biometrik. • Customer care haloblu yang selalu ada buat kamu Ada Untukmu, Apa Pun Tujuanmu Pengen nabung buat sepatu baru? Gadget baru? Rumah? Mobil? Sekolah? Apa pun tujuanmu, we’ve got your back! blu punya akses layanan perbankan digital yang mudah dengan pengalaman yang seru. Kamu bisa: • Punya 20 tabungan dalam 1 rekening • Patungan online bisa sampai 50 orang • Buka deposito mulai dari Rp 1 juta, pencairan sebelum jatuh tempo gak kena penalti • Bayar/beli dalam satu aplikasi • Bayar pakai QRIS • bluVirtual Card dan bluDebit Card yang terkoneksi dengan Mastercard, memudahkan transaksimu di dalam maupun luar negeri. • Tarik dan Setor Tunai di ATM BCA • Investasi di bluInvest bekerjasama dengan partner terpercaya Eits, belum selesai! Pakai blu bebas biaya admin bulanan, bebas biaya transfer via BI-FAST dari dan ke BCA unlimited, So...tunggu apa lagi? Download blu sekarang! Perlu bantuan? Haloblu siap bantu kamu 24/7 via telepon 1500 668/ WhatsApp 0811-6500-668 PT Bank Digital BCA Menara blu, The City Tower Lantai 11 Jl. M.H. Thamrin No.81, Menteng, 10310, Jakarta, Indonesia 10310 https://www.blubybcadigital.id/
Screenshots
Verdict
The clearest difference is rating: blu by BCA Digital at 4.8 against Jenius's 3.5. blu by BCA Digital also leads on monetization model (free vs subscription). Jenius's advantage is ads (none vs shown). On price, review sentiment, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
blu by BCA Digital holds the better App Store score, 4.8 against 3.5. Both are backed by a comparable volume of ratings — 124 and 131 respectively. Written reviews complicate that: 38% of Jenius's written reviews are positive against 31% of blu by BCA Digital's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.
| Parameter | Jenius | blu by BCA Digital |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (124 ratings) | 4.8 (131 ratings) — better |
| Positive reviews | 38.3% of reviews — better | 31.4% of reviews |
| Number of ratings | 124 | 131 — better |
| Update frequency | Weekly | Weekly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Subscription | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 190 MB | 371 MB |
| Age rating | 12+ | 12+ |
| Developer | PT. Bank SMBC Indonesia Tbk | PT. Bank Digital BCA |
Customer experience
Jenius
blu by BCA Digital
Bugs and requests
Jenius
Reported bugs
12 issues- 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
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- 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
Requested features
9 requests- 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
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- Better clipboard paste functionality
- Additional currency support (AUD)
- Improved notification system for card activation
- Simplified login process with multiple authentication options
blu by BCA Digital
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Jenius
No in-app purchases
blu by BCA Digital
No in-app purchases
