Indonesia
activeNeobankHalal banking
- HQ
- Jakarta
- Fee
- Free-transfer pitch — confirm live
Jenius
SMBC Indonesia (ex BTPN) digital brand. OJK. LPS. Not the US Jenius Bank file.
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6.8Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Digital brand of PT Bank SMBC Indonesia Tbk (ex BTPN) (OJK / Bank Indonesia). Still read the entity on the statement.
If it fails?
LPS on eligible deposits at PT Bank SMBC Indonesia Tbk — Jenius is the skin
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Digital SKU — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.8
/10 · Mixed
Jenius is PT Bank SMBC Indonesia Tbk’s digital brand (the BTPN name is still on old tiles). OJK, BI, LPS. $Cashtag is a product, not a licence. The US Jenius Bank file is SMBC MANUBANK’s American experiment — wound down, deposits sold to Axos in May 2026. Two countries. Two objects.
What it is
Launched 2016 as BTPN’s mobile bank. SMBC bought the parent. Menara SMBC, Mega Kuningan. Directories smash the US and Indonesian tiles together because the wordmark matches. This desk will not.
Best for: Indonesia residents who want a big-bank digital current at SMBC Indonesia, not a 2020 startup.
Last checked 2026-08-30. Not advice.
What it does well
- +Named OJK bank behind the brand
- +LPS
- +Pioneer digital SKU in ID
- +Visa
What to watch
- −App ratings are mixed
- −Not the US Jenius Bank (dead)
- −Indonesia-resident
- −Shared LPS cap with SMBC Indonesia
Who holds the money
The account
- Partner bank
- PT Bank SMBC Indonesia Tbk
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Jenius lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
LPS on eligible deposits at PT Bank SMBC Indonesia Tbk — Jenius is the skin
Who holds the money: PT Bank SMBC Indonesia Tbk
- OJK / Bank IndonesiaDigital brand of PT Bank SMBC Indonesia Tbk (ex BTPN) · Indonesia
Fees
- Monthly
- Digital SKU — confirm live
- FX markup
- FX / foreign-currency SKUs exist — bank tariff
- ATM
- SMBC Indonesia / ATM Bersama
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Indonesian digital current
- $Cashtag
- Save It pockets
- Visa debit
- LPS via SMBC Indonesia
Score
- Safety25%
- 8.0
- Fees20%
- 7.4
- Features15%
- 7.4
- App15%
- 7.2
- Global15%
- 3.4
- Support10%
- 6.2
Change log
Full logLicence
PT Bank SMBC Indonesia Tbk digital brand
LPS. Ex BTPN. Not the closed US Jenius Bank.
Available in
Straight answers
FAQ
01Is Jenius a bank?
Jenius holds a banking-style licence (OJK / Bank Indonesia). Still read the legal entity on the statement, not the app icon.
02How is money protected?
LPS on eligible deposits at PT Bank SMBC Indonesia Tbk — Jenius is the skin
03Where is Jenius available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Jenius.
04Card and wallets?
Jenius lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Jenius remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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