Jenius

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.

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.

Jenius lists Digital brand of PT Bank SMBC Indonesia Tbk (ex BTPN) under OJK / Bank Indonesia in Indonesia. On safeguarding we currently write: LPS on eligible deposits at PT Bank SMBC Indonesia Tbk — Jenius is the skin. Holder / issuer line: PT Bank SMBC Indonesia Tbk. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Digital SKU — confirm live; FX FX / foreign-currency SKUs exist — bank tariff; ATM SMBC Indonesia / ATM Bersama. This desk would open it for: Indonesia residents who want a big-bank digital current at SMBC Indonesia, not a 2020 startup.

What it does well: Named OJK bank behind the brand; LPS; Pioneer digital SKU in ID. What to watch: App ratings are mixed; Not the US Jenius Bank (dead); Indonesia-resident. Desk score 6.8 / 10 (safety 8.0, fees 7.4, features 7.4, app 7.2). Last verified 2026-08-30. Headquartered in Jakarta, Indonesia; founded 2016. None of this is advice — it is a file so you can read the entity before the card colour.