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Frequently Asked Questions (FAQ)

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Expense Insight & Budgeting

FINETIKS VIP Save

Profile Management

Referral Program

Popular FAQ

What is FINETIKS?

FINETIKS is an all-in-one money app built on financial technology that helps you manage your money in a more organized and structured way. It’s designed for anyone who wants to improve financial awareness, understand cash flow, and start saving with peace of mind.

How do I create a FINETIKS account?

It’s quick and easy, done in just a few minutes:

Download the FINETIKS app from the App Store or Play Store (FREE)
Select Register
Follow the registration instructions
Fill in your personal information
Open a VIP Save account
Done

Is FINETIKS safe and legally registered?

Yes. FINETIKS is part of the fintech ecosystem and is officially registered and licensed by OJK (S-516/IK.01/2024). For the VIP Save digital savings product, FINETIKS collaborates with Bank Victoria and complies with regulations set by Bank Indonesia (BI).

In terms of data security, FINETIKS uses AES-256 encryption, equivalent to banking-grade protection. FINETIKS is also ISO 27001 certified, supervised by KOMDIGI (Ministry of Communication and Digital Affairs), and registered as a member of AFTECH (Indonesian Fintech Association).

This means FINETIKS operates seriously and in compliance with regulations, so you can use FINETIKS safely and confidently.

What are the benefits of using FINETIKS?

FINETIKS helps you manage your finances and save more optimally in one app. With VIP Save, you can enjoy returns of up to 5.25% per year, with no hidden fees. There are no monthly fees, plus free monthly transfers. FINETIKS also provides free personal accident insurance of up to IDR 5 billion, with coverage of up to five times your average savings balance from the previous month.

All designed to help you better understand your financial situation and make more confident decisions.

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How does the 5.25% p.a. interest work?

VIP Save offers interest of up to 5.25% per year, calculated daily and paid monthly based on your balance. There is no lock-in period like a deposit, so your funds remain flexible and accessible anytime

About FINETIKS

What is FINETIKS?

What are the requirements to create a FINETIKS account?

FINETIKS is available for Indonesian citizens who want to better understand and organize their finances. To register, you only need a smartphone, an active email address, a valid mobile phone number, and an e-KTP (with a clear photo).

Is FINETIKS safe and legally registered?

This means FINETIKS operates seriously and in compliance with regulations, so you can use FINETIKS safely and confidently.

What are the benefits of using FINETIKS?

All designed to help you better understand your financial situation and make more confident decisions.

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Can I make payments using FINETIKS?

Yes. FINETIKS allows you to transfer funds to various banks via VIP Save. You can enjoy free transfers every month, making transactions more convenient without extra fees.

Does FINETIKS offer investment products?

Currently, FINETIKS provides financial management features and VIP Save savings. Investment products will be available soon.

Is FINETIKS risk-free?

Every financial product has its own characteristics and mechanisms that should be understood before use. FINETIKS is designed to help users manage finances more transparently and in a controlled way.

As a fintech platform (not a bank), FINETIKS provides financial tools such as expense tracking, budgeting, and savings products. The VIP Save savings product is operated in collaboration with Bank Victoria, which is licensed and regulated.

Bank Victoria is also listed on the Indonesia Stock Exchange, with financial reports publicly available, allowing users to understand its financial condition and performance. Users are encouraged to review product terms carefully and use FINETIKS responsibly.

Who is FINETIKS for?

FINETIKS is suitable for anyone who wants to manage their finances in a more organized way using a single app.

It’s ideal for:

Users looking for a digital savings alternative for short- to medium-term needs
Users who want to set aside funds separately from daily expenses

FINETIKS helps you become more aware, more in control, and more comfortable managing your daily finances.

How do you pronounce FINETIKS?

FINETIKS is pronounced FI-NE-TIKS, not FAYN-TIKS. It’s pronounced according to spelling, making it easy to remember.

User Registration

How do I create a FINETIKS account?

It’s quick and easy, done in just a few minutes:

Download the FINETIKS app from the App Store or Play Store (FREE)
Select Register
Follow the registration instructions
Fill in your personal information
Open a VIP Save account
Done

How long does registration take?

About 5 minutes. Once completed, you can access all features and open a digital savings account.

What should I do if my ID scan fails or the photo is blurry?

Before proceeding, check the preview to ensure the ID photo is clear. If it’s blurry, retake the photo until it’s clearly visible. Make sure the photo is taken on a flat surface with good lighting.

What if selfie or liveness test verification fails?

You can retry the selfie step by following the instructions shown in the app. Ensure your face is clearly visible with sufficient lighting, and avoid wearing glasses or hats.

What if my address doesn’t match my ID?

Select “My ID address is no longer valid”, then update it with the correct address.

What if registration fails?

Don’t worry. You can continue registration within 24 hours using the same phone. You can also contact FINETIKS Customer Service at +62 811-9938-82 for assistance.If more than 24 hours have passed, the app was uninstalled, or you changed phones, registration must be restarted.

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Things to note during registration. Make sure to ensure the following to ensure a smooth registration process:

Your email address is written in all lowercase letters (maximum 35 characters)
Your mobile phone number is typed manually, do not copy and paste, and do not include spaces
If the OTP does not arrive, check your phone's date and time settings and ensure auto-sync is enabled
Your full name is written in capital letters
Ensure the PIN you entered is correct
Avoid pressing buttons repeatedly; wait for the system to complete the process
If you enter the wrong PIN three times, wait 5 minutes before trying again.

What if I don’t receive an OTP?

Tap Resend OTP. If it fails three times, wait 5 minutes before trying again.

What if I forget my PIN?

Tap Forgot PIN on the login page
Enter your registered phone number
Enter the OTP sent to your phone
Create and confirm a new PIN
Log in using your new PIN

Transaction Data

How long can I view transaction history?

Up to 6 months. Use filters or search by transaction name to find specific entries.

How do I record transactions?

You can record transactions in three ways via Home → Manage:

Upload files (bank statements, transaction history, or receipts)
Voice recording
Manual input

Expense Insight & Budgeting

What is the Monthly Budget?

A monthly spending limit you set based on your income to track whether expenses stay within plan.

What are Needs?

Essential daily expenses such as food, transportation, and utility bills.

What are Wants?

Lifestyle or discretionary expenses such as dining out, shopping, or entertainment.

How do I set a budget for each expense category?

You can easily set a budget by following these steps:

Open the Insights menu
2. In the Expenses section, click View All
3. Select Change Budget in the Expense Summary
4. Set the budget according to the desired category
5. Click Save to complete

Can I download my transactions?

Yes:

Go to Insights
Tap View All under Expenses
Click the Download icon
Select date range
Export

FINETIKS VIP Save

What is FINETIKS VIP Save?

FINETIKS VIP Save is a digital savings feature in FINETIKS designed to help you save and manage your funds in a more planned and flexible way.

FINETIKS VIP Save can be:

Opened and managed directly through the FINETIKS app
Operated in collaboration with PT Bank Victoria International Tbk as a partner bank

With FINETIKS VIP Save, you can save with a more organized system that's easy to monitor and tailored to your daily financial needs.

How do I create a FINETIKS VIP Save savings account?

Go to Home, then select the Savings menu
Click "Open Account" and enter the VIP Save referral code if you have one
Read and agree to the User Agreement
Take a photo of your e-KTP (e-KTP) according to the instructions
Review your KTP details. If any information is missing, complete it according to your KTP
Take the Liveness Test by following the instructions in the app
Fill in your employment information
Fill in your financial information
Verify your personal details by entering your mother's name
Create a VIP Save account PIN
Your VIP Save account has been successfully created

The process is done directly in the app and will be guided step by step for easy access.

How to successfully scan your ID card during FINETIKS VIP Save onboarding

To ensure the ID card scanning process runs smoothly, please note the following:

Use your original e-KTP, not another ID card
Ensure your ID card is in good condition and undamaged
Take a photo with adequate lighting
Ensure the image is clear and clear
Do not use a photocopy of your ID card
Do not crop or edit your ID card photo

Follow the instructions in the app to ensure a smooth and fast verification process.

How to successfully take a selfie (liveness test) during FINETIKS VIP Save onboarding

A selfie/liveness test is required to ensure the security and authenticity of your identity when opening an account. To ensure a smooth process, follow these tips:

Ensure a stable internet connection
Remove any accessories that obscure your face, such as glasses, masks, hats, and the like
Use adequate lighting (avoid backlighting)
Position the front camera directly in front of your face
Ensure your face is fully framed and clearly visible
Follow the instructions in the app slowly and step by step until complete

How to create a FINETIKS VIP Save PIN

To create a FINETIKS VIP Save account PIN, follow these steps:

Complete the entire VIP Save account opening process
Once the process is complete, you will be asked to create a PIN
Enter your 6-digit PIN
Confirm your 6-digit PIN
Your PIN has been successfully created and is ready to use

Make sure your PIN is easy for you to remember, but secure and not easily guessed.

How to reset your FINETIKS VIP Save PIN

If you want to change your VIP Save PIN, follow these steps directly from the FINETIKS app:

Go to Home, then select the Savings menu
On the VIP Save main page, click Details under account information
Select the "Reset VIP Save PIN" menu
Enter a new 6-digit PIN
Confirm your 6-digit PIN
Enter your date of birth according to your registered details
Continue with the OTP verification process
Enter the OTP code sent to your registered mobile number
Confirm your VIP Save PIN has been successfully reset

Make sure your new PIN is easy for you to remember, yet secure and not easily guessed.

How do I view balances across accounts?

Go to Home
Select Manage under Total Balance
Tap View All

Where is VIP Save money stored?

Funds are held at Bank Victoria, while FINETIKS provides the application and system.

Is VIP Save insured by Lembaga Penjamin Simpanan (LPS)?

Yes, FINETIKS VIP Save through Bank Victoria is a participant in the Lembaga Penjamin Simpanan (LPS) guarantee program.

The LPS guarantee program complies with applicable regulations, including:

Maximum guaranteed balance limit
Return rate requirements

Therefore, funds deposited in VIP Save are subject to regulatory guarantee mechanisms.

How to transfer money from FINETIKS VIP Save to a Bank Victoria account

To transfer from a FINETIKS VIP Save account to a Bank Victoria account, follow these steps:

Go to Home, then select the Savings menu
On the VIP Save main page, click the "Transfer" button
Select the transfer type to the same bank (Bank Victoria)
Enter the destination account number
Enter the amount you wish to transfer
Review and confirm the transfer details
Enter your VIP Save PIN
Transfer successful

Ensure the destination account details and amount are correct before confirming.

How to transfer money from FINETIKS VIP Save to other Bank account

To transfer from FINETIKS VIP Save to another bank account (other than Bank Victoria), follow these steps:

Go to Home, then select the Savings menu
On the VIP Save main page, click the "Transfer" button
Select the transfer type to another bank
Enter the destination bank account number
Enter the amount you wish to transfer
Select an available transfer method
Review and confirm the transfer details
Enter your VIP Save PIN
Transfer successful

Ensure the destination account information and transfer amount are correct before completing the transaction.

How many free transfer fees are available with FINETIKS VIP Save?

From your FINETIKS VIP Save account, you can enjoy:

Unlimited free transfers to other Bank Victoria accounts
10 free transfers per month to other banks (except Bank Victoria)

How does the 5.25% p.a. interest work?

What is the minimum balance?

The minimum balance is IDR 50,000, applicable to FINETIKS VIP Save and Pocket accounts registered after 15 December 2025.

Why is there a minimum balance?

The account remains active.
The account can be used for transactions, such as outgoing transfers and e-wallet top-ups.

Can the minimum balance be used for transactions?

No. The minimum balance cannot be used for transactions.

However, the minimum balance can be withdrawn upon account closure.

Does a minimum balance count towards returns?

Yes. The minimum balance is still factored into FINETIKS returns.

What is the available balance?

Available balance is the maximum amount of funds that can be used for transactions.

Why does the message "insufficient balance" appear?

Because the transaction amount exceeds the available balance.

How to create a new Victoria Mobile account

To use Victoria Mobile services, follow these steps:

Download the Victoria Mobile app from the Play Store or App Store.
Open the app, then select "Registration"
Read the Terms and Conditions thoroughly, then check the box to agree
Fill in your personal information according to the information registered in the FINETIKS app. In the Account Number field, enter your FINETIKS VIP Save account number
Enter the OTP code sent to your registered mobile number (the same one used in FINETIKS)
Create a User ID and password for Victoria Mobile
Create a 6-digit PIN for transaction security
Done, your Victoria Mobile account has been successfully created

Ensure the information you enter is correct to ensure a smooth registration process.

How do I close a FINETIKS VIP Save account?

Currently, FINETIKS VIP Save account closures can only be done offline for identity verification purposes. You must visit the Bank Victoria Main Branch Office at Graha BIP, South Jakarta, with your original e-KTP.

Main Branch Office Address: Graha BIP, Jl. Gatot Subroto No. 23, RT. 2/RW. 2, Karet Semanggi, Setiabudi District, South Jakarta City, DKI Jakarta, 12930.

FINETIKS Pocket

What is the Pocket feature in FINETIKS?

Pocket is a feature that functions as digital pockets for separating funds based on specific goals. For example, an emergency fund, a vacation, or other short-term goals, so you can manage your finances more focused.

How many Pockets can I create?

Currently, FINETIKS limits the number of Pockets to a maximum of 5 per user.

Why does FINETIKS limit Pockets to 5?

FINETIKS limits Pockets based on the principles of behavioral economics and sound financial management:

Too many pockets can distract you from your financial focus
Too many pockets can make your budget allocation strategy ineffective
Sometimes the budget size for multiple pockets becomes too small, leaving some pockets empty
Having 5 Pockets helps you stay focused on your most important financial goals

Is Pocket just a place to store money?

No. This feature is a financial management system that helps you set and achieve more realistic and targeted financial goals.

How can Pocket help me achieve my financial goals?

With the right structure and fewer options, you can:

Focus on key goals like emergency funds, vacations, or long-term investments
Compare progress across goals more easily
Be more consistent in financial planning and evaluation

What is the minimum Pocket balance?

Each Pocket you create must have a minimum balance of IDR 50,000.

Why is there a minimum balance in Pocket?

The minimum balance is set so that:

Every Pocket you create is truly used for a clear financial goal
Your money allocation remains structured and effective
You don't create empty Pockets, which can confuse your financial flow

The minimum balance helps you focus on realistic and worthwhile savings goals.

Can the minimum Pocket balance be used for transactions?

The minimum balance cannot be used immediately for transactions. This minimum balance is only used to keep Pocket active.

If you want to use the funds, the remaining balance after the minimum balance is reached can be used as needed.

Does the minimum Pocket balance still count towards your returns?

Yes. The minimum balance still counts towards your returns, so you'll still receive the profit-sharing benefits as stipulated, even if it's the minimum balance.

What if there's no activity on Pocket even though there's a minimum balance?

Pocket is considered inactive if there's no activity for 12 months. If you'd like to reactivate Pocket, please contact FINETIKS Customer Service at +62 811-9938-82, so our team can help you check and guide you through the process.

How much interest do you earn on each Pocket?

The interest earned depends on the balance in your Pocket. It ranges from 3% to 5.25% p.a. A complete chart can be found here.

Profile Management

How do I change my PIN?

If you want to change my PIN, follow these steps:

Open your Profile in the app
Select the Account Settings menu
Select Change PIN
Enter your current PIN
Enter your new PIN
Click Confirm

Your PIN has been successfully changed and is ready to use again.

How do I change my phone number in FINETIKS?

You can change my phone number directly through the app by following these steps:

Go to Home, then click your avatar at the top of the page
Select the Profile Info menu
Edit the phone number you want to update
The system will request an OTP verification for validation
Once verification is complete, your phone number will be successfully updated

Make sure the new number you are using is active and can receive OTPs

How do I change my email address in FINETIKS?

You can update your email address directly through the app by following these steps:

Go to Home, then click your avatar at the top of the page
Select the Profile Info menu
Edit the email address you want to update
You will receive a verification email for validation
Once verification is complete, your account will be successfully updated

Make sure the email address you use is active and can receive verification emails.

How do I change my profile photo on FINETIKS?

You can change my profile photo directly through the app by following these steps:

Go to Home, then click my avatar at the top of the page
Select the Profile Info menu
Click your profile photo
Select or take a new photo
Save your changes

Your profile photo will be updated immediately.

How many FINETIKS accounts can I have?

Each user can only have one FINETIKS account registered with one phone number and one email address.

How do I close my FINETIKS account?

We're very sorry to hear this. If you want to close your FINETIKS account, you can do so directly through the app by following these steps:

Go to Profile or Settings in the app
Select the Account Settings menu
Click Delete Account
Answer several questions regarding the reason for closing your account
Enter the requested verification code
Once the process is complete, your FINETIKS account will be successfully closed

Ensure you complete the entire process to ensure successful account closure.

Will uninstalling the FINETIKS app delete your account and transaction history?

No. Uninstalling the FINETIKS app will not delete your account or transaction history. To delete your account and all associated data, you need to delete your account directly through the app by following the procedure provided in the settings menu.

What are the consequences of deleting your FINETIKS account?

If your FINETIKS account is deleted, you will no longer be able to log in and use the FINETIKS app.

Referral Program

What is the FINETIKS Referral Program?

The FINETIKS Referral Program gives you a bonus every time you invite a friend to open a VIP Save account using your referral code.

How much bonus do you get?

Friend deposits a minimum of Rp1,000,000 → total bonus of Rp50,000
Friend deposits a minimum of Rp10,000,000 → total bonus of Rp100,000

The bonus is awarded to you and your invited friend after the terms and conditions are met.

How do I join the FINETIKS Referral Program?

Log in to the FINETIKS app
Go to the Referral menu to view your referral code or link
Share the code or link with your friends
Make sure your invited friends use the code when registering for VIP Save
Invite them to save at least the required amount
Once all requirements are met, you and your friend will receive an immediate bonus

What are the terms and conditions of the FINETIKS Referral Program?

To receive the referral bonus, please note the following conditions:

The friend you invite must open a VIP Save account and make a deposit within 14 days of opening the account
Bonus scheme:
1. Minimum deposit of IDR 1,000,000 → IDR 50,000 bonus
2. Minimum deposit of IDR 10,000,000 → IDR 100,000 bonus
The minimum balance of IDR 1,000,000 must be maintained for 30 days
If the balance decreases before 30 days, the bonus will automatically be forfeited
The bonus will be awarded after the 30-day period has been completed
Bonus disbursements are made every 15th of the following month
All referral claims will be reviewed and verified by the FINETIKS finance team

Ensure all requirements are met so your referral bonus can be processed smoothly

What is the minimum deposit required for a successful referral?

For your referral bonus to be valid, your invited friend must:

Open a VIP Save account
Make their first deposit of at least IDR 1,000,000 within 14 days of opening the account

When will the referral bonus be received?

The bonus will be disbursed automatically on the 15th of the following month after the requirements are met and the bonus is declared valid.

What if the balance decreases and you withdraw funds before 30 days?

The referral bonus will automatically be forfeited. The code owner and the referral code user will not receive the bonus.

Can I refer to more than one person?

YES! You can invite as many people as you like. There is no maximum bonus limit as long as the requirements are met.

Do your invited friends also receive a bonus?

Absolutely! In addition to you, friends who use your referral code are also eligible to receive a bonus after fulfilling the program requirements.

Is there a maximum bonus limit?

NO! You are currently free to invite as many friends as you like to open a FINETIKS VIP Save account using your referral code. Make sure to save according to the terms and conditions, then claim your bonus.

How do I check my referral status?

In the FINETIKS app:

Open the Referral menu
Check the "Awaiting Deposit" tab for those who haven't made the minimum deposit
Check the "Eligible Bonus" tab for those who have made a deposit and are waiting for the bonus

What does "Pending" status mean?

Your referral code has been used by a friend.
But the friend hasn't made the minimum deposit of IDR 1,000,000.

This status indicates that the referral has been registered but hasn't yet met the bonus requirements.

What if I forget to use my referral code?

Too bad! The referral code can only be used when registering for a FINETIKS VIP Save account.

Can I withdraw the referral bonus at any time?

NO. The bonus will be automatically transferred to your account on the 15th of the following month
The FINETIKS team will verify and validate all incoming transactions using the referral code

Is there a fee to join the referral program?

No. The FINETIKS referral program is 100% free for all active FINETIKS VIP Save account holders.

Bill Payment

What is the Bills & Top-up feature?

A feature that allows you to pay monthly bills and purchase prepaid products like mobile credit, data, PLN tokens, and eWallet top-ups using your FINETIKS balance.

What categories are supported?

Prepaid: Mobile credit, Data, PLN Token, eWallet Top-up, other PPOB products
Postpaid: PLN Postpaid, PLN Non Electricity Bills, and Mobile Postpaid

Do I need FINETIKS balance to pay?

Yes. All payments are deducted from your FINETIKS balance.

Why is there an admin fee?

The fee comes from the service provider and is shown before you pay.

What does Pending mean?

The provider is still processing your request. Final result (Success or Failed) appears within D+1.

If it fails, do I get my money back?

Yes. Your balance is fully refunded.

Why can’t my bill or product be found?

Most likely due to:

Wrong customer number
Already paid
Provider downtime
The provider’s operating hours are closed