Frequently Asked Questions

Whiz is Indonesia’s first All-In-One App built for Gen Z, With Whiz, Gen Z can stash, transact and manage their money effortlessly.

Gen Zers. The app has been built with Gen Z in mind, though we have note that sometimes parents have come onto the app to provide additional support to their children.

Fret not! Everyone of all ages can use Whiz.
To enjoy additional benefits like -
– Increased wallet balance to 20 Million IDR
– Balance protection against fraud,
simply invite your parents to create and link account. Refer to 'How to link to a Parent or a Child?'

In short, yes, Whiz is powered by an electronic money license from Bank of Indonesia.

We are different than other e-wallets in that -
1. We are Indonesia’s first All-In-One App built for Gen Z. With Whiz's features, Gen Z can stash, transact and manage their money effortlessly.
2. No monthly fees at all
3. Even without KTP, one can enjoy additional benefits like -
– FREE transfers
– Increased wallet balance to 20 Million IDR
– Balance protection against fraud,
by simply inviting your parents to create and link account.

Yes, Whiz is safe & secured given:

• For Wallet Balance feature, it has e-Money license by Bank Indonesia (BI)
• All users money will be put in approved banks
• Bank-grade encryption and authentication system
• Balance protection on fraudulent activities*

*Applies to verified users (KYC) where fraudulent activity against Whiz accounts occurs outside of the user's control.

As a Payment Service Provider/ Penyelenggara Jasa Pembayaran (PJP), Whiz is under the supervision of Bank Indonesia.

Whiz (on behalf of PT MidazPay Digital Indonesia) has a license from Bank Indonesia as a Payment Service Provider/ Penyelenggara Jasa Pembayaran (PJP) with license number 23/734/DKSP/Srt/B. The scope of activities for Whiz is: Electronic Money Issuance, Fund Transfers, and QRIS Payments.

No. OJK's supervision is for financial institutions, including: banks, financing institutions, capital markets, and insurance. Supervision for Payment Service Providers falls under the authority of Bank Indonesia.

As a Payment Service Provider/Penyelenggara Jasa Pembayaran (PJP), Whiz is under the supervision of Bank Indonesia.

1. Download app on Play Store or App Store
2. Register with your phone number
3. Verify phone number and create PIN
4. Input personal information
5. Verify email address

If you haven’t received your OTP (One-Time Password) code via SMS, try doing the following:

• Make sure you have entered the right phone number that is registered in your Whiz app *Please note that your OTP will be sent to that number
• Ensure that you have a good signal to receive an SMS (depends on the policies of each provider)
• Ensure you have sufficient phone credit/pulsa to receive SMS Wait for at least 30 seconds for the OTP to be sent.
• After that, you can request a new OTP by clicking the ‘Resend OTP code’ button.

If it still doesn't work:

• Try updating the Whiz app to the latest version
• Try again in a few moments later, there might be an error occurred with your provider
• Verify that you didn’t previously ask your service provider to block any incoming SMS. If you’re not sure, please contact your service provider to check
• Clear your cache by using the following steps:

Android –

1. Go to your phone setting
2. Choose Application Settings
3. Choose Whiz application
4. Choose Storage
5. Click Clear Cache

iOS-

1. Go to your phone setting
2. Choose General
3. Choose iPhone Storage
4. Choose Whiz Application
5. Choose Offload App
6. Click Reinstall App

If you have forgotten your PIN and can not sign in to Whiz App, follow these steps:

If you have previously verified your email,
1. Open your Whiz App
2. Enter your PIN screen will appear, click “Forgot PIN Code”
3. Select the email to be used to reset PIN (parent's or youth's email)
4. Input the 6 digits verification code to reset PIN that have been sent to your email
5. Click 'Confirm'
6. Post that, you will be prompted to reset your PIN

If you have not previously verified your email,
1. Open your Whiz App
2. Enter your PIN screen will appear, click “Forgot PIN Code”
3. You will be directed to email [email protected]
4. Write the subject “Forgot PIN Code” and tell us your problem in the body of the email
5. Customer Service will help you reset your PIN, after verifying account ownership.

You will not. Your balance is safely stored on our Electronic Money servers, as long as no one else knows your PIN and abuses your account.

Users can reactivate an Inactive Account, by conducting 1 (one) monetary transactions (e.g. top-up, send/receive money, payments, Tranfers) no later than 1 (one) month from the date the Account is declared Inactive.

For any complaints related to the Whiz App and/or your account, or questions regarding the Terms and Conditions, you can contact us via -

• Email to [email protected]
• Instagram @Whiz.idn

At Whiz, you can invite your friends and family to amplify the fun!

Inviting your parents to link and verify within the app, you will be able to enjoy Whiz's full features, such as increased wallet limit to 20 Million IDR, free bank transfers and balance protection.

Inviting your friends onto the app means you can now stay updated on your friends' activities and start managing pooled money to do more fun stuff together!

You can only invite one parent to link account as a Parent. And a Parent account can manage up to 5 children. However, there are no limit to the number of friends you can add.

1. Click the 'Profile' icon
2. Click the gear icon on the top right
3. Select 'Upgrade Account'
4. Follow the instruction on page by uploading the documentation required

If you are above 17 years old, upload your ID (KTP) and selfie of yourself holding onto ID.
If you are aged 17 and below, upload your family card (KK) or your child ID (KIA) should your account already been linked to a Parent. Else, get your parent to upload their ID (KTP), their selfie holding onto their ID, your family card (KK) or your child ID (KIA).

All upgrade request will be reviewed by Whiz team within 1x24 hours. You would receive a notification within app on the outcome of the upgrade request.

If your Whiz can upgrades to Whiz Verified was rejected, you will get a push notification and message inbox in the Whiz app explaining why can upgrades to Whiz Verified your upgrade to Whiz Verified was rejected. These are some of the reasons why can upgrades to Whiz Verified your account upgrade to Whiz Verified could be rejected,

1. The document you uploaded was considered damaged (font, signature, and photo were not readable and verifiable)
2. Your selfie with ID is blurred (not focused and readable)
3. Selfie and ID Photos aren’t fully visible (photos covered with flash, photos are dark, selfie photos is blocked by ID)
4. Your uploaded photos/documents are not in accordance with our terms
5. E-KTP data used to upgrade Whiz Verified is not registered/matched with the Dukcapil data (Directorate General of Population and Civil Registration).

Active students and students who have a student card or email with a school domain, such as ".ac.id" or ".sch.id".

Student verification is required to ensure your eligibility for student-only benefits. Many companies and organizations offer special discounts, promotions or benefits for students.

By verifying your student status, these companies can ensure that only those who meet the requirements can take advantage of this offer. This will help prevent abuse or fraud by people who are not students.

There are two ways to verify student:

Via school email –
1. Click 'Profile' and click the settings icon
2. On the Account menu, click 'Student Status'. Then click 'Student Verification'
3. Select verification using school email
4. Enter an email that ends with the school domain, such as “”.ac.id” or “”.sch.id””
5. We will send a verification code email to that email address
6. Input the verification code that has been sent
7. Student verification process is complete, student status is validated

Through student card photos
1. Click 'Profile' and click the settings icon
2. On the Account menu, click 'Student Status'. Then click 'Student Verification'
3. Select verification using a student card photo
4. Upload student photos clearly and well visible
5. Fill in the verification form with the requested information
6. Click 'Confirm Data'
7. Our team will check verification within 1×24 hours

If you enter incorrect information during the student verification process, it is highly likely that your verification request will be rejected. Student verification involves double-checking the information you provide against the data on the student card.

If your verification request is rejected due to incorrect information, it is recommended to double-check the details you provided and compare them with your student card.

If your student's email does not use a valid school domain, then student verification cannot be done through this method. You can try another verification method by using a student card photo.

The Whiz team will process the verification within 1×24 working hours. You will receive a notification regarding updating your account status after the process is complete

From your bank's ATM, Internet-/Mobile- banking or branch with a bank transfer instruction, or the nearest Alfamart/Alfamidi outlet.

1. Click 'Top-up' icon on homepage
2. Select the desired top-up channel
3. Input top-up amount, click 'Continue Topup' button
4. There will be a detail instructions page alongside a time limit
5. Complete the top-up instructions before the time limit is up
6. When done, your wallet balance will be automatically reflected.

Please note:
1. A top-up request via bank is only valid for 60 minutes, while a top-up request via Alfamart/Alfamidi is valid for 24 hours. Post that, please input another top-up request within the Whiz app before making transfer
2. Please ensure that the transferred amount is according to the amount inputted on Whiz app
3. If Whizmates selects a new bank, enters a new nominal, and creates a new top-up request, the old top-up request will be automatically cancelled.

The payment will fail. In the case that the transfer request does go through, you will need to contact CS to confirm transfer nominal/time/date.

Yes, you can do so by selecting Transfer to Other Banks feature from your bank's internet-/mobile-banking or ATM. Though, some banks may choose to charge a transfer fee.

Rp50.000 for minimum transfer, while the maximum transfer amount is all based on account type (Unverified Rp2.000.000, Verified Rp20.000.000).Unverified Rp2.000.000, Verified Rp20.000.000).

Do note that the maximum cumulative limit for Whiz balance from all transactions (top-up, transfer, etc.) is Rp40.000.000/month for the account verified and IDR 20,000,000/month for accounts unverified.

The limit will be reset automatically every 1st of each month. You will not be able to receive your Whiz balance top-up or request (including cashback) if the nominal of top-up or balance received causes your Whiz balance to exceed the specified limit

The maximum balance that the user can hold at any given point in time is Rp2.000.000 for unverified account and Rp20.000.000 for verified account. As such, we prevent any top-up request that will take users above this maximum balance limit.

We’re truly sorry for the inconvenience if you haven’t received your top up. Don't worry, all of your transactions are recorded in our system and we’re always here to help if you experience this issue.When this happens, you can do these things first:

1. Check your transfer receipt and make sure the destination phone number you've input is registered in Whiz
2. The destination phone number is still in use and active
3. Top-up has been successful, but is not recorded in the "History" page
4. Check whether the top up transaction causes the account balance to exceed the specified limit so that the top up transaction was not received.

If you have done the steps above and the balance in your bank or other top up methods that you are using has been deducted but the wallet balance remains the same, please be willing to wait for 2x24 hours* on business days (except Saturday, Sunday and public holidays) since the transaction date.

If, after 1x24 hours, the balance is still not received, please report it to us via [email protected]. We'll help you right away.

When experiencing problems such as unable to top up Whiz, there are several possible that might have caused that issue, such as:

• Top-up amount exceeds the wallet's monthly transaction limit
• The phone number entered is not registered with Whiz
• Internet network is not stable

1. Click 'Request' icon on homepage
2. Input handphone number you would like to request balance from, amount requested, purpose of request and message (if any)
3. Click 'Confirm'
4. Your request has been submitted. The requested balance will be reflected on wallet balance after it is approved by the requested account.

1. There will be notification on the 'Request' icon on the homepage
2. Select 'Request' and it would show the 'Incoming' request information.
3. Click 'Approve Request' or 'Reject Request' accordingly
4. If 'Approve Request' was selected, there will be a transaction confirmation page detailing recipient's handphone number, amount transferred and source of fund. Click 'Confirm' should you wish to proceed and transfer fund.
5. Insert your Rocket Pocket PIN and transfer will be successfully made to child's/friend's wallet.

Note: Balance that has been transferred can't be refunded, so always make sure you have entered the right contact and transfer amount. Also, make sure the receiver's balance doesn’t exceed the total account limit.

1. There will be notification on the 'Request' icon on the homepage
2. Select 'Request' and it would show the 'Incoming' request information.
3. Click on the desired request to get more details, such as requestor name, handphone number, date, time and amount requested. Click 'Fulfill Request' or 'Reject Request' accordingly.
4. If 'Fulfill Request' was selected, there will be a transaction confirmation page detailing recipient's handphone number, amount transferred and source of fund. Click 'Confirm' should you wish to proceed and transfer fund
5. Insert your Whiz PIN and transfer will be successfully made to recipient's wallet.
Note: Balance that has been transferred can't be refunded, so always make sure you have entered the right contact and transfer amount. Also, make sure the receiver's balance doesn’t exceed the total account limit.

Add Funds feature allows users to topup a Whiz user's balance from anywhere for free, without needing to have a Whiz account.

The sender can also add a personalized note alongside the top-up, making it a perfect way to share important moments and give thanks! :)

Whiz accepts payments via QRIS, and VA Transfer (BRI, Mandiri, BNI, Permata, BSI, CIMB, Danamon).

The balance will be received immediately after payment is completed.

Once the payment to add funds is completed, you will receive a successful transaction receipt, and the recipient has received the balance.

No admin fee is charged from Whiz.

If you have transferred your Whiz balance from your account to a recipient's account, but he/she has not received it, please do these steps below:

– Check the "History" page whether or not the transfer has been successful
– Check your wallet balance again whether it has decreased or not, because if it fails, your wallet balance will be refunded immediately
– Make sure the transfer destination number entered is correct
– If after making sure of things above it is proven that the transfer was successful, please tell the recipient to check the history of the balance that listed on the "History" page.

However, if the Whiz balance has not been received by the recipient, please report this matter to us via [email protected]

Yes, simply by using the phone number that have been registered for a Whiz account.

Note that this is only applicable to verified user. Refer to "How to upgrade my account?"

1. Click 'Transfer' icon on homepage
2. Input transfer destination, amount and category, click 'Confirm' button
3. Authorize transaction with your PIN and receive transfer receipt

Rp10.000 for minimum transfer, while the maximum transfer amount is all based on account type (Unverified Rp2.000.000, Verified Rp20.000.000).

There is no fee for transfers to fellow Whiz users.

Fo transfer to a Bank or Virtual Account (VA), each user is entitled to one free transfer monthly before a transfer fee of Rp2,500 will be imposed on each subsequent transaction. The free transfer quota will be reset every month.

Make sure you’ve upgraded your Whiz account to Whiz Verified, because balance transfers can only be done by customers who have already upgraded their accounts.

1. Click the 'Transfer' icon on the homepage
2. Click 'Transfer to Bank/Virtual Account'
3. Input the destination bank, bank account number, bank account holder name and nominal, click 'Confirm'
4. Input your Whiz PIN. If successful, you would see a successful transaction receipt.

Note: Bank transfer feature can only be used by Whiz users. Please upgrade your account first.

1. Ensure the destination bank and nominal inputted during the withdrawal request are correct.
2. Check the recipient bank's account mutation for whether there is an incoming balance for the requested amount from "ATM Bersama Midazpay."

If within 1×24 hours the balance is still not received, you can report it to us via [email protected]. We will help you right away.

QRIS transaction is limited to a maximum of Rp. 10,000,000.00 (Ten Million Rupiah) per transaction. However, Whiz may set a daily and/or monthly cumulative transactions limit for QRIS Transactions that can be carried out by each QRIS user, which is determined based on Whiz risk management, as long as it does not conflict with Bank Indonesia's regulations.

Whiz can be used to make payments at your favorite online merchants by using the “Payment” or “transfer” feature

1. Before payment, make order on your online merchants' sites/apps
2. When selecting a payment method, select “Bank Transfer”. Select a bank account that Whiz can currently process, as shown below –
E-wallet:
– OVO: Nobu VA, BNI VA
– Gopay: CIMB VA
– LinkAja: LinkAja/TCASH VA
– DANA: BRI VA, BNI VA, Mandiri VA, CIMB VA, Permata VA, BTPN VA
– ShopeePay: Mandiri VA
E-commerce:
– Tokopedia: Mandiri VA, BRI VA, Danamon VA, CIMB VA
-Shopee: BNI VA
– Bukalapak: Danamon VA, Permata VA, BRI VA

Then, click confirm and create order

3. Post which, you will get a Virtual Account payment details. Jot those numbers.
4. Open the Whiz app
5. Select “Payment” and “Bank Account/Virtual Account”, then select the destination bank that has been previously selected on the merchant's online site/application
6. Input virtual account number in the account details and the amount to be transferred. Ensure that amount is according to the purchase receipt. Click "Continue"
7. Ensure amount, recipint name and destination is per purchase receipt. Click "Confirm" and input PIN. Payment is completed.

Before transferring your Whiz to a bank account, always make sure that the destination bank account number is correct.After transferring your Whiz you can -
(1) Check the destination bank account to see whether your Whiz has been received or not, OR
(2) Refresh your online merchant's payment page to see whether payment status has been updated for the payment

If you transfer your Whiz balance to the wrong bank account number and the transaction status is “Failed”, don’t worry, it means that your Whiz balance is not deducted.

However, if the transaction status is “Successful”, we’re sorry, according to the applicable Whiz terms and conditions, if there is a mistake when entering the nominal amount or destination bank account number, it is fully the responsibility of customers and the successful transaction cannot be canceled.

Here are some possible causes:

1. You haven’t verified your Whiz account to Whiz Verified. Upgrade your Whiz account first by following the steps above. Bank transfer feature can only be used by Whiz Verified users.
2. Your internet connection is unstable or there is a server error at Whiz app/bank destination. Please try again in a moment.
3. The beneficiary bank account is invalid. Please recheck the destination account number and make sure that the account is still active.
4. The beneficiary's bank account is blocked so that transfers cannot be made.
5. Virtual Account (VA) has not been registered with Whiz.
If you send your Whiz balance to a valid VA number but the transfer transaction fails, this may be because the VA number you are aiming for has not been registered with Whiz.

Here are the online stores (e-commerce) that Whiz can currently process:

Tokopedia: Mandiri VA, BRI VA, Danamon VA, CIMB VA
Shopee: BNI VA
Bukalapak: Danamon VA, Permata VA, BRI VA
*) Information on VA numbers can be found on the platform of each Business Partner.

If you can't make transactions at merchant using, please ensure the following:

• Your wallet balance is sufficient
• You have a stable internet connection
• You are using the latest version of the Whiz app
• Make sure you have input the Whiz PIN correctly
• Scanning the QR code in appropriate position
• The payment amount using QR code scan does not exceed Rp10.000.000/ transaction

If you have confirmed the things above but you still cannot make a payment, please report it to us via [email protected]

If you experience problems regarding your wallet balance being deducted in a failed transaction at online store/e-commerce, please contact the online store/e-commerce first.

Please note that if the transaction status was failed, the wallet balance will be refunded automatically within a maximum of 3x24 hours.

If after the mentioned time, your wallet balance has not been refunded, please report it to us via [email protected] We will gladly help you.

If you experience a transaction failure at an offline store using Whiz, usually the wallet balance that has been deducted will be immediately returned.

However, if your wallet balance has not been returned after a failed transaction at an offline store and the offline store is not able to make a refund by cash, you can report it to us via [email protected] within a maximum of 3x24 hours after the transaction is made. We will gladly help you.

Split Bill is a feature to divide the total payment you have made with friends and request them to pay you their share.

You can use the Split Bill in three ways -
1. Through a successful transaction receipt, click 'Split Bill of This Transaction'
2. Through 'Split Bill Request' icon on homepage
3. Through the Request feature, click 'Request', then click 'Submit Request with Split Bill.' Fill in the nominal amount you want to split.

After that, you can follow the next step -
1. Add friends for the Split Bill
2. The results of the Split Bill will appear; click 'Confirm Split Bill'
3. Split Bill request sent

Note: At the moment, you can only add friends who are already on Whiz to Split Bill.

When you make a Split Bill from the transaction receipt, the amount is locked.
To Split Bill a different amount, you can do so through the 'Split Bill Request' icon on the homepage or via 'Request' page and enter a custom amount.

Right now the Split Bill feature is only for Whiz users. Please make sure the other person have already signed up for a Whiz account.

Yes, you can choose how you wish to split the bill: splitting the total cost evenly for everyone or splitting a different amount for each person. If you choose to split differently, enter the amount to pay for each person.

When someone’s nominal is changed, then everyone else’s unchanged nominal will be split equally accordingly.

No, but you can distribute the total cost to friends such that the nominal you have to pay becomes zero.

You can find the history of outgoing requests through the 'Requests' feature.
1. Click the 'Request' icon
2. Select the 'Outgoing' tab
3. Select and press the request you want to delete
4. Click 'Delete'

You will receive a notification upon receiving a Split Bill request, click the notification or follow the steps below.
1. Click the 'Request' icon on the homepage menu
2. Select the 'Incoming' tab
3. Select the request you want to pay for
4. Click 'Fulfill Request.'
5. Check the details on the Transfer page, click 'Confirm' and authorize your transaction
6. Once completed, you should see a successful transfer receipt

Note: Make sure you’ve upgraded your Whiz account to Whiz Verified, because balance transfers can only be done by customers who have already upgraded their accounts.

Payment may have been done using the Transfer feature. Click the 'History' icon on the homepage to manually check for the transfer sender and amount.

If Split Bill request is indeed complete, you may choose to cancel the previous Split Bill Request by referring to "How do I cancel a Split Bill request?".

1. Click 'Top-up Pulsa & Game' icon on homepage
2. Click 'Pulsa' icon
3. Input the desired phone number or select from your address book
4. Select the desired amount/ package
5. Click "Purchase Confirmation"
6. Input your Whiz PIN. If successful, you would see a successful transaction receipt.

If the pulsa & data purchase fails, the balance will be returned to the user’s wallet balance. Please ensure that you have input the right phone number and try again.

When making a telco credit/ data package purchase:
1. Make sure the number and nominal are correct
2. Check periodically and wait up to 1x24 hours for credit/package to be received.

If the credit/package is still yet to be received, please report it to us via [email protected]. We will help you right away.

Unfortunately not. If the purchase of credit/package has been successful, you cannot cancel and we cannot refund. The refund process is only given if the purchase of pulsa / data packages fails.

No. There is no fees for purchase of credit/data packages on Whiz.

1. Click 'Top-up Pulsa & Game' icon on homepage
2. Click 'Game Top-up & Voucher'
3. Select the Games and Game Items that you want to buy
4. Click 'Continue Purchase'
5. Fill in the Top-up Games Purchase Form and click 'Confirm Purchase'. Please ensure that the data has been inputted correctly. Whiz is not liable for any incorrect data input
6. Input your Whiz PIN. If successful, you would see a successful transaction receipt.

To redeem a voucher, open the purchase receipt/transaction receipt for the game voucher that you have. There will be a voucher code in the transaction receipt. Copy the voucher code you received and enter the voucher code in the game you purchased.

To see past voucher purchases, open the purchase receipt/transaction receipt for the game voucher that you have. There will be a voucher code in the transaction receipt.

Your vouchers/game items/streaming will be sent within 2x24 hours on working days.
If you have yet to receive the voucher/game item/streaming more than that time, please contact [email protected]. We will help you right away.

Please ensure that -
1. You enter the same voucher code you had received
2. There are no spaces at the beginning or at the end of the code
3. Re-login and try to redeem again

If you have done the 3 steps above but still unable to redeem the voucher code, kindly contact [email protected] by sending proof of the transaction and a screenshot of the error message received.

If the top-up or game voucher purchase fails, the balance will be returned to the user’s wallet balance. If within 2x24 hours on working days, the balance is not received, contact [email protected], we will help you.

Please email us [email protected] and our team will continuously work to make it happen for you.

To view your expenses,
1. Click "See Details" of 'Expenditure Information' section
2. Select the month/period that you wish to see

You would be able to see the summary and details of all purchases and transfer out/withdrawals that you have done over the month/period, in descending order.

For parents, you would be able to see your child's expenses using the 'Monitoring' feature.

Task feature is a to-do list - fully customizing, and better, may provide rewards upon completion.

Parent who have already linked account to a Youth's.

Using a Parent account on Whiz app,
1. Click 'Task' icon
2. Click 'Create Task' button
3. Fill in the details of the task, rewarding (if any), validity period and tick the name of linked Youth to which this task would be applicable to
4. Click 'Create Task' button

1. Click 'Task' icon
2. On the 'Active Task List', find card that contains the completed task, click 'Task Completed' button
3. The card status will change to pending approval. And when approved by Parents, rewarding will be automatically transferred/recorded

1. Click 'Task' icon
2. In widget 'Awaiting Approval', will see all completed tasks
3. Acknowledge by clicking 'Approve Task' or if task is not completed, 'Reject Task'

Scenario 1 –
4. If 'Approve Task' is selected and task had entailed rewarding a monetary, you will be routed to the 'Transfer' page
5. Click 'Confirm' & authorize transaction with your PIN to transfer reward to Youth

Scenario 2 –
4. If 'Approve Task' is selected and task had entailed rewarding (non-monetary), rewarding will be automatically registered

Scenario 3 –
4. If 'Reject Task' is selected, the particular task will be back on the list of task on both Parent's and Youth's app

1. Click 'Task' icon
2. You would see all outstanding task on 'Active Task List'

1. Click 'Task' icon
2. Click 'Check All Task Details' button

Parent.

1. Click 'Task' icon
2. Click 'Check All Task Details' button
3. Select the particular ]task you want to edit and click on the 'pencil' icon or 'trashcan' icon for task to be deleted

Pocket feature allow users to save for different items/targets using different pockets.

'Customized Target' Pocket is a feature aimed at helping users to save up and earn bonus balance to achieve their targets/goals.

A user can have a maximum of 3 individual pockets with Whiz. Limit includes all types of pockets.

There are no additional fees. You only need to save to reach the desired target.

We give complete flexibility to users to decide how frequent they want to fill up the Pocket.

1. Click the Pocket icon
2. Select - 'Selected Product' or 'Customized Target'
3. Fill in the pocket details
4. Click 'Create Pocket'

To edit all other information, here's how -
1. Click 'Pocket' icon
2. In the 'Pocket List', find the Pocket you want to change
3. click the three dots on the top right
4. Click the 'Edit Pocket' button
5. Change the details of the Pocket such as name, image, description
6. Click 'Change confirmation'

1. Click 'Pocket' icon
2. Under 'Pocket List', find the particular Pocket you want to add money into and click 'Top-up Pocket' button
3. Input nominal top-up and click 'Confirm'

To move money out of Pocket, you would have to delete Pocket for now.
1. Click 'Pocket' icon
2. Click on the desired Pocket you want move money out of
3. Click 'Delete Pocket' button and confirm action. The pocket's balance will automatically be moved into main wallet balance

Pocket Balance cannot be used. If you want to use it, please transfer the balance to the main wallet. See the method in the question "How to move money out of pocket".

1. Click the 'Pocket' icon on the homepage
2. Under 'Pocket List', find the particular Pocket you want to edit and click the right arrow
3. Click on 'Delete Pocket'
4. Should the pocket no longer have any balance, a confirmation page will show and click on 'Delete Pocket' button. The pocket balance will be automatically transferred to the main wallet balance.

Yes, you can if you have linked your account to your Youth's!

When linked, click on 'Monitoring' icon to see your Youth's pocket progress and details

To create a Group pocket, follow these steps -
1. Click the 'Pocket' icon on the homepage
2. Select the Group Pocket tab and click 'Create Group Pocket.'
3. Complete the Group Pocket by filling in the name and uploading a photo and description of the Pocket. Click 'Continue'
4. Add Pocket Members, and click 'Continue.'
5. Double check the pocket details, and click 'Create Pocket'.

You can create a maximum of 3 Group Pockets.

There is no maximum number of members that can be invited to one Group Pocket.

For now, the Group Pocket can only be accessed by Child accounts. Therefore, you cannot add parent accounts to the Group Pocket.

As a member you can leave the Group Pocket by following these steps -
1. Click the 'Pocket' icon on the homepage, select 'Group Pocket'.
2. Click the 'Group Pocket' of your choice
3. Click the three dots icon in the upper right corner
4. Select 'Leave Group Pocket'
5. Click 'Leave Pocket'

Add members to the Group Pocket by following these steps -
1. Click the 'Pocket' icon on the homepage, and select 'Group Pocket'.
2. Click the 'Group Pocket' of your choice
3. Click 'Add Pocket Member'
4. Input phone numbers or select from phone's address book.
5. Click on the contact details that are to be added into the Group Pocket
6. Click on 'Add x Members'. Ensure that the members' details are correct

Depending on the Group Pocket's setting, only the owner or both owner and members can add additional members to the Group Pocket.

Only Group Pocket's owner can remove members from the Group Pocket.

If you are a Group Pocket owner, remove members from the Group Pocket by following these steps -
1. Click the 'Pocket' icon on the homepage, and select 'Group Pocket'.
2. Click the 'Group Pocket' of your choice
3. Click 'Remove Member'
4. Select the member you want to delete by clicking the 'trash' icon
5. Click 'Next'
6. Member has been removed from Group Pocket

Owner and members of the Group Pocket can monitor pocket's activities by following these steps -
1. Click the 'Pocket' icon on the homepage, and select 'Group Pocket'.
2. Click on the 'Group pocket' of your choice
3. Group Pocket details will appear
4. Scroll down to see Group Pockets activity

Both owner and member of Group Pocket can add balance to the Group Pocket by following these steps -
1. Click the 'Pocket' icon on the homepage, and select 'Group Pocket'.
2. Click on the 'Masukkan Saldo' of the Group Pocket you wish to add funds into
3. Input top-up nominal and click 'Isi Kantong'
4. Enter your PIN. Balance will be transferred from your wallet balance to the Group Pocket

Note: Please ensure the authenticity of Group Pocket owner. Whiz is not responsible for any misuse of Group Pocket.

Only Group Pocket's owner can withdraw balance from the Group Pocket.
If you are a Group Pocket owner, withdraw balance from the Group Pocket by following these steps -
1. Click the 'Pocket' icon on the homepage, and select 'Group Pocket.'
2. Click the 'Group Pocket' of your choice
3. Pocket details will appear
4. Click 'Withdraw Balance'
5. Enter the withdrawal nominal
6. Click 'Withdraw Balance' and enter your PIN

Note: Make sure to withdraw the balance based on mutual agreement. Whiz is not responsible for any misuse of Group Pocket.

It could be that the maximum wallet balance of Group Pocket's owner has been hit. Please reach out to the owner.

No, the balance that were previously topped up to the Group Pocket will not be automatically returned. Please reach out to the Group Pocket owner to initiate refund/settlement.

Only Group Pocket's owner can delete the Group Pocket.

If you are a Group Pocket owner, delete the Group Pocket by following these steps -
1. Click the 'Pocket' icon on the homepage, and select 'Group Pocket.'
2. Click the 'Group Pocket' of your choice
3. Pocket details will appear, click on the 3 dots on the upper right hand side.
4. Click 'Edit Pocket'
5. Click 'Delete Pocket'.

Should the Group Pocket still contain any balance, you will be prompted to withdraw balance. Refer to "How to withdraw balance from the Group Pocket?" on how. Should the pocket no longer have any balance, a confirmation page will show and click on 'Delete Pocket' button

Note: Make sure to delete the balance based on mutual agreement. Whiz is not responsible for any misuse of Group Pocket.

Smart Saver is a long-term savings (deposit) product from Whiz in partnership with Bank Perekonomian Rakyat (BPR) and offers a high interest rate guaranteed by LPS. You can save your money within a certain period of time ranging from 1 month, 3 months, to 12 months with an automatic renewal option.

Bank Perkreditan Rakyat (BPR) is a financial institution that offers banking services such as savings, deposits, and loans. Compared to commercial banks, BPRs have the advantage of offering higher deposit rates and more personalized services.

In addition, BPRs focus on community economic empowerment, especially through loans to micro, small, and medium enterprises (MSMEs) in the surrounding areas.

Despite the smaller number of branches, all BPRs are licensed by Bank Indonesia (BI) and the Financial Services Authority (OJK). So, you can rest assured that your deposits are safe and guaranteed by the Indonesia Deposit Insurance Corporation up to Rp2 billion.

Yes, Smart Saver is very safe because deposits are placed in BPRs that work with Whiz.

Whiz ensures that every BPR available is licensed by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant of the Indonesia Deposit Insurance Corporation (IDIC) - so your deposits are guaranteed (up to Rp2 billion).

LPS guarantees deposits in Indonesian banks up to Rp2,000,000,000 per depositor per bank (in the event of a bank failure). This guarantee covers the amount of deposits and interest, provided that the interest offered is within the LPS guaranteed interest rate.

All Whiz partner banks/BPRs are Deposit Insurance Corporation (LPS) participants. Therefore, your deposits are guaranteed by LPS.

It is noted that bank liquidation in Indonesia is something that is very rare.

If any Whiz partner bank/BPR defaults or is in the process of liquidation, our Customer Service team will work with you to assist with the claim process to LPS to ensure that your deposits will be repaid.

Here's how to create a Smart Saver:
1. Click on 'Pcoket' icon on the Whiz homepage.
2. Select 'Smart Saver'
3. Determine the amount to be saved and choose the placement's desired duration.
4. Click 'Confirm Deposit.'
5. Verify your email and Whiz account (if you haven't done so previously).
6. Fill out and complete the Savings Form.
7. Provide an active email; Whiz will send the form via email for signature.
8. Follow the instructions and sign the document via TekenAja.
9. Upon receiving a notification of successful account opening, select funding method.
10. Complete transfer for the Smart Saver.
11. Your Smart Saver is then created and you can start earning interest!

After you've completed all the requirements, it will take a processing time of up to 1x24 hours (applies to business days) to verify the application.

If your deposit opening application is rejected by BPR, you will receive a rejection notification.

This is usually due to incomplete or incorrect data. You can reapply or contact our Customer Service team for further guidance.

Benefits:
1. Higher interest rates compared to most conventional banks.
2. Secured. All partner BPRs are supervised by the Financial Services Authority (OJK) and are participants of Indonesia Deposit Insurance Corporation (LPS).
3. A user-friendly platform that simplifies the savings process.

Automatic Roll Over (ARO) is Whiz's deposit renewal system. You can automatically renew your deposit based on the chosen period during the initial deposit. Enjoy additional funds from accrued interest (compound interest).

If you never deactivate ARO on your deposit, it will automatically renew continuously until you deactivate ARO for that deposit

When the deposit matures, the principal value of your money and the deposit interest will be redeemed into your main Whiz wallet or your designated bank account.

When the deposit matures, the principal value of your money and the deposit interest will automatically extend according to the previously chosen period.

Yes, you can make changes to ARO option on the Smart Saver Details page, up to a maximum of 7 days before maturity.

Here's how to change the ARO status:
1. Click on 'Pcoket' icon on the Whiz homepage.
2. Select the Smart Saver you want to modify.
3. On the Smart Saver details, click the Auto Rollover option.
4. Choose 'Non-Active' status to stop the rollover or select 'Principal + Interest' to extend the Smart Saver.

Yes, if you meet the criteria for early redemption. Please contact [email protected] to see if you meet the criteria.

If approved, then you will not get the interest for the current month. However, you will get the entire principal and accumulated interest from the previous months.

The interest on your deposit will accumulate and will be paid in full along with your principal at maturity.

Yes, user with deposits with total amount starting from Rp7,500,000 will incur a 20% interest tax.

Smart Saver's balance will be transferred to your main Whiz wallet or your designated bank account on predetermined maturity date set at the time of opening the deposit.

Should redemption fails due to issues with designated Whiz wallet or bank account, you can manually initiate the withdrawal. See the question 'What if my withdrawal fails?

The balance will be received on the afternoon of the due date.

Notes:
1) If the maturity date falls on Saturday, Sunday, or Monday, the withdrawal will be processed on Monday.
2) If the maturity date falls on a national holiday, the withdrawal will be processed the next business day.

If you receive a notification of a failed withdrawal, follow these steps:
1. Click on 'Pocket' icon on Whiz homepage
2. Select the Smart Saver for withdrawal.
3. Click 'Withdraw Balance' in the Smart Saver details
4. Update the withdrawal destination. If another bank account is used, ensure that account holder's name matches the ID verified by Whiz.
5. Click 'Confirm Withdrawal.'
6. Your withdrawal is being processed. It may take up to 2 business days. You will receive a notification when funds have been successfully transferred.

Redemption might fail due to these reasons:
1. Balance or cumulative top-up balance of Whiz wallet.
2. Incorrect/inactive/undetectable bank account information provided.

Yes, BPR will process the bilyet issuance within 5 working days. If the bilyet has been issued, you can view the bilyet information in the Whiz App.

Automated Transfer is a feature that allows users to set up and automate regular transfers to friends accounts and Whiz Pockets directly from their main wallet.

1. Click on the 'Automated Transfer' icon.
2. Select 'Transfer to Whizmates'.
3. Choose the Account.
4. Enter the Message and Transfer Amount.
5. Set the transfer schedule and time, then click 'Continue'.
6. Review the Transfer details and click 'Create Transfer'.
7. Enter PIN

Note: You can only send money to other Whiz users if your account is upgraded.

Yes, you can set the frequency and customize the interval for transfers when scheduling them.

1. Click on the 'Automated Transfer' icon.
2. In the Automatic Transfer Schedule, select the 'Outgoing' page.
3. Choose the automatic transfer Account you want to edit.
4. Click on 'Edit Settings'.

1. Click on the 'Automated Transfer' icon.
2. In the Automatic Transfer Schedule, select the 'Outgoing' page.
3. Choose the automatic transfer Account you want to delete.
4. Click 'Delete'
5. Click 'Yes, Stop Transfer'.

No, currently the automatic transfer feature can only be used to send money to other Whiz accounts and to Whiz Pockets.

Note: You can only send money to other Whiz users if your account is upgraded.

There is no limit on the number of transfers. You can make transfers as long as your account balance and limits are sufficient.

Yes, you can set different transfer amounts to different accounts.

There is no limit to the number of accounts you can set up for automated transfers. You can set up automated transfers to as many Whiz accounts as you want.

No, you can directly set up automatic transfers to your friends' accounts without their approval.

Note: Transfer will automatically happen on the scheduled date and time. Whiz is not liable for any erronous request initiated by the user. Please double-check Automated Transfer request before authorizing.

1. Click on the 'Automated Transfer' icon.
2. Select 'Transfer to Pockets'.
3. Choose the Pocket.
4. Select the Allocation Method and click 'Continue'.
5. Review the Transfer details and click 'Create Transfer'.
6. Input your PIN

Yes, you can set different allocation methods for each pocket.

The "fixed amount per period" method allows you to specify a fixed amount that will be transferred to the Whiz Pocket at regular intervals. You can set up the transfer schedule and repetition duration according to your preferences.

In the "percentage of incoming funds" method, you will set a specific percentage of the total funds incoming to your Whiz account to be automatically transferred to the Whiz Pocket.

For example, if you set a 10% percentage and you perform a top-up or there is an incoming transfer from friends/family amounting to Rp1.000.000, and Rp100.000 will be automatically transferred to the Whiz Pocket.

The "rounding transactions to the nearest amount" method allows each transaction you make to be rounded to the nearest amount, and the difference will be automatically transferred to the Whiz Pocket.

For example, if you make a transaction of Rp27.000 and set the rounding to the nearest amount of Rp5.000, and Rp3.000 will be transferred to the Whiz Pocket, the deducted amount from your Whiz wallet will be Rp30.000.

Yes, you will receive notifications for each automatic transfer.

1. Click on the 'Automated Transfer' icon.
2. In the Automatic Transfer Schedule, select the 'Outgoing' page.
3. Choose the automatic transfer pocket you want to modify.
4. Click on 'Edit Settings'.

1. Click on the 'Automated Transfer' icon.
2. In the Automatic Transfer Schedule, select the 'Outgoing' page.
3. Choose the automatic transfer pocket you want to delete.
4. Click 'Delete'
5. Click 'Yes, Stop Transfer'.

1. Click 'Allowance Info' icon on homepage
2. Click 'Create Allowance Schedule'
3. Input title, amount, allowance schedule, repeat period, and destination. Check the 'Transfer Allowance Automatically' box should you wish for the balance to be transferred out of your wallet balance to the recipient directly based on the schedule.
4. When done, click 'Set Allowance' button and click 'Confirm' for automated transfer.

Notes: Allowance feature has been changed to an automatic transfer. See the question “How do I activate the automatic transfer feature?”

No. You will still have to authorize the transfer instruction by -
1. Clicking on the allowance reminder notifications
2. Verify transfer destination, amount and category, click 'Confirm' button
3. Authorize transaction with your PIN and receive transfer receipt

No. However, you will still be able to view the allowances setup from the Allowance page.

Notes: Allowance feature has been changed to an automatic transfer.

No allowance will be sent to any of the children. The parent will have to manually transfer the allowance to all children for that period.

Notes: Allowance feature has been changed to an automatic transfer.

Using parent account,
1. Click on the 'Allowance' icon
2. Under 'Allowance Reminder' section, click on the 'Edit' button
3. Check the 'Transfer Allowance Automatically' box for automated transfer or uncheck the 'Transfer Allowance Automatically' box should you only wish to get a reminder and click 'Set Allowance' button

Notes: Allowance feature has been changed to an automatic transfer. See the question “How do I edit the automatic transfer settings?”

It is currently not possible to send varying allowance nominals in one 'Allowance Schedule'. Please create multiple 'Allowance Schedule'.

Notes: Allowance feature has been changed to an automatic transfer. See the question "Can I set different transfer amounts for each period with the auto transfer feature?"

1. Click 'Monitoring' icon on the bottom navigation bar
2. Select the child to set parental controls for
3. Click 'Parental Controls'

1. Click 'Monitoring' icon on the bottom navigation bar
2. Select the child to set parental controls for
3. Click 'Parental Controls'
4. Turning on and setting a limit for 'Lock expenditure after exceeding weekly limit'

All payments for goods and services, and any transfers out of the user's Whiz account to another Whiz user.

The limit will reset every Monday at 12:01 AM.

1. Click 'Monitoring' icon on the bottom navigation bar
2. Select the child to set parental controls for
3. Click 'Parental Controls'
4. Turn off the 'Lock expenditure after exceeding weekly limit'

1. Click 'Monitoring' icon on the bottom navigation bar
2. Select the child to set parental controls for
3. Click 'Parental Controls'
4. Turn on the 'Temporarily lock child's transactions'

All payments for goods and services, and any transfers out of the user's Whiz account to another Whiz user, are disabled.

The account can either be locked due to:

1. Child account having surpassed weekly spending limit
2. Parent manually locking the child's account.

Only a parent account can unlock the child's account following the steps below -

If child's account is blocked because he/she has surpassed weekly spending limit,
1. Click 'Monitoring' icon on the bottom navigation bar
2. Select the child to set parental controls for
3. Click 'Parental Controls'
4. Set a higher limit for 'Lock expenditure after exceeding weekly limit'

If child's account is blocked because it was previously initiaited by the parent,
1. Click 'Monitoring' icon on the bottom navigation bar
2. Select the child to set parental controls for
3. Click 'Parental Controls'
4. Turning off 'Temporarily lock child's transactions'

1. Click 'Monitoring' icon on the bottom navigation bar
2. Select the child to set parental controls for
3. Click 'Parental Controls'
4. Turning on and setting a limit in 'Send a notification for every transaction'

You may have to enable notifications for Whiz on smartphone Instructions by device can be found below.

Android: https://support.google.com/android/answer/9079661?hl=en#zippy=%2Cturn-notifications-on-or-off-for-certain-apps

iOS: https://support.apple.com/guide/iphone/change-notification-settings-iph7c3d96bab/ios

You can use biometrics authentication - either Fingerprint authentication or Face ID

1. Click 'Profile' on Whiz homepage
2. Click the gear icon on the top right
3. Under 'Security' section, there is 'Use Biometrics'
4. Activate biometrics logon by tapping the slide button and then go on to scan your fingerprint or authenticate your Face ID
Biometrics logon is now active, you can use your fingerprint or Face ID instead of your PIN to log onto app or authorize transactions

This feature is only available if your device supports Face ID/Fingerprint.

You can set this feature, such as to disable or enable it again via the 'Profile' page in the app. If you are unable to use fingerprint/Face ID when making a transaction, you only need to enter a PIN to complete the transaction.

Please contact Customer Support Whiz by sending an email to [email protected]. We will help you blocked/unblock your Whiz account.

If the transaction has been successfully carried out, it will be recorded and accessible via the “Expenditure Information” page.

If you feel someone is using your Whiz account without your knowledge, such as:

• You received a notification saying that someone has changed your profile such as your name, phone number, or email address in the Whiz app. You can check the 'Profile' page to see if the changes have occurred or not. If your profile doesn't change, it means your Whiz account is secure. However, please always be vigilant and do not give permission to others to access your account.
• There’s someone asking for your Whiz account OTP code for various reasons or pretending that they are from Whiz. Whiz has never asked for an OTP code for any reason.

Please report it to us via [email protected]

If you experienced a scam for cases like:

• Someone claiming to be a Whiz employee and is telling you that you won a contest and got a voucher, cashback, special promo, or cash as the prizes
• Someone claiming to be a Whiz employee asking you to transfer certain amount of money or wallet balance
• Someone claiming to be a Whiz employee asking you to purchase goods, services, or top up to someone's bank/account
• Someone claiming to be a Whiz employee asking you for your PIN or OTP.

In short, always be wary of those who claim to be Whiz through social media or email. Our official accounts are -

Instagram: @Whiz.idn

Email: [email protected]

If you get messages from accounts other than those mentioned above, don't respond! Especially if they ask for your personal data, immediately report it via [email protected].

If you feel that your wallet balance does not show the correct amount when you do not make any transactions, report it to via [email protected]