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Frequently Asked Questions (FAQ)

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Expense Insight & Budgeting

FINETIKS VIP Save

Profile Management

Popular FAQ

What is Finetiks?

FINETIKS is an AI-driven digital wealth management app that offers high-yield digital savings. Our mission is to empower Indonesians to focus on saving and enhancing their financial literacy.

Co-founded by Daniel Mananta, we are committed to guiding users toward better financial management.
FINETIKS is registered and supervised by the Financial Services Authority (OJK), KOMDIGI, and is a proud member of AFTECH. We are also ISO27001 certified, ensuring the highest standards of information security.
Our partnership with PT Bank Victoria International Tbk. is registered and approved by Bank Indonesia, ensuring that your investments are safe and secure. Approval Letter No.27/18/DKSP/Srt/B.

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How to Get Started

To begin the registration process, open the FINETIKS app that you have downloaded and follow these steps:

Download the FINETIKS app from the Play Store/App Store.
Click the “Register” button to start the registration process.
Choose VIP Save to Start Saving, or
Choose Money Management to Manage Your Finances.
Continue the registration process by following the instructed steps.

Is FINETIKS Secure?

FINETIKS ensures the security and privacy of all user data by utilizing the "AES-256" encryption method, equivalent to that used by national and international banks and financial applications. FINETIKS is also supervised by the Financial Services Authority (OJK) and Komdigi and is under the auspices of the Indonesian Fintech Association.

How does a 6% p.a. interest rate work?

FINETIKS VIP Save provides a yield of up to 6% per annum calculated daily based on the total balance and will be disbursed at the end of the month.

What are the benefits of using FINETIKS?

FINETIKS helps you manage your finances with VIP SAVE, offering returns of up to 6% per annum. Enjoy services with no hidden fees—no monthly fees, no transfer fees. Get up to 20 free transfers every month and free personal accident insurance up to 5 billion IDR, covering up to five times the previous month’s average daily balance. Managing your finances becomes easier with our advanced AI features: auto-categorization, image-to-transaction conversion, OCR, and voice recording. Gain clear insights to keep your finances organized.

About FINETIKS

What is Finetiks?

FINETIKS is an AI-driven digital wealth management app that offers high-yield digital savings. Our mission is to empower Indonesians to focus on saving and enhancing their financial literacy.

Co-founded by Daniel Mananta, we are committed to guiding users toward better financial management.
FINETIKS is registered and supervised by the Financial Services Authority (OJK), KOMDIGI, and is a proud member of AFTECH. We are also ISO27001 certified, ensuring the highest standards of information security.
Our partnership with PT Bank Victoria International Tbk. is registered and approved by Bank Indonesia, ensuring that your investments are safe and secure. Approval Letter No.27/18/DKSP/Srt/B.

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What are the requirements that must be completed to create a FINETIKS account?

You are an Indonesian citizen who holds e-KTP and a smartphone user, and also has savings & other financial goals. Users who do not yet have e-KTP are under parental supervision.

Is FINETIKS Secure?

What are the benefits of using FINETIKS?

Can I make payments via FINETIKS?

At this moment, FINETIKS only supports your record and manages your financial needs.

User Registration

How to Register in FINETIKS?

To register, follow the process by opening the downloaded FINETIKS app and follow these steps:

Download the FINETIKS app on the play store/app store.
Click the "Register" button to start the registration process.
Fill in your active phone number and email for verification.
Enter the verification code received on the registered number (OTP).
Continue the registration process by following the instructions.

How long is the account registration process?

The registration process takes less than 5 minutes. However, you still need to complete the onboarding process by connecting your financial account to the FINETIKS app before the system can manage transactions automatically and provide the best experience.

How to Get Started

To begin the registration process, open the FINETIKS app that you have downloaded and follow these steps:

Download the FINETIKS app from the Play Store/App Store.
Click the “Register” button to start the registration process.
Choose VIP Save to Start Saving, or
Choose Money Management to Manage Your Finances.
Continue the registration process by following the instructed steps.

What to do if account creation fails?

a. Registration stopped in the middle of the process

You can continue the registration process that stopped in the middle of the process, as long as it's within 24 hours and from the same device. You need to repeat the registration process if you reinstall the app or continue registration on another device.

b. Registration always fails

Sorry for the difficulties you are facing. You can inquire about this by contacting our customer service at +62811993882. We will be happy to assist with your registration process.

c. Tips for successful registration

Here are some things to consider when registering for a FINETIKS account:

Write the email in all lowercase (maximum 35 characters).
Manually type the phone number (do not copy-paste from the contact list on your smartphone) and avoid spaces.
If the OTP or verification code is not sent, make sure the date/time settings on your smartphone are set to auto-sync.
Write the name in all capital letters.
Enter the PIN correctly.
Do not repeatedly press buttons in the app. Press the button once and wait for the app to work; do not repeat it several times as it may cause the FINETIKS app to error.
If you fail to enter the PIN 3 times, wait for 5 minutes before trying again.

What to do if you don't receive OTP?

You can send a new verification code by pressing the "Resend" button. If you have requested a new code 3 times in a row, please wait for 5 minutes before continuing or contact our customer service at +62811993882 for assistance.

What if I forget the PIN?

If you forget the PIN, follow the steps below:

Click "Forgot PIN" below the Login section.
Login with your phone number.
Enter the OTP code sent to your number.
Enter the new PIN and confirm your new PIN.
Your account can now be used with the new PIN.

Transaction Data

How to view the balance in each selected financial account?

Click the homepage, then click "See All" in the financial account section on the homepage, and you can see the balance from each of your financial accounts that are connected to the FINETIKS app.

How many transactions can be viewed?

You can view transactions for the last 6 months from each of your financial accounts. You can also filter based on the date you want to view and search for transaction names.

Can you add transaction notes manually?

Certainly, open the homepage, then click "see all," then choose "add transaction." Fill in all the required forms. To save it, click the "Save" button.

Expense Insight & Budgeting

What is Monthly Budget?

Budget is determined based on your monthly income, allowing you to track your spending. This helps in recording whether you exceed the monthly budget or still have it under control.

What is Needs?

Needs are all expenditures intended to fulfill daily user needs.

What is Wants?

Wants are all expenditures intended to fulfill user desires (not needs).

How to set a budget for each category?

You can access the expense menu, then choose a category by pressing needs or wants, then select "spending categories," click the "set budget" button, and finally, you can set the amount and budget period.

What is the purpose of "Toggle My Budget" in spending categories?

The toggle is a useful filter to display categories that users have budgeted for.

Can the spending performance report be downloaded

Certainly, you can go to the expense menu, then in the top right corner, there will be a "three-dot icon" button that you can click, then press "download as PDF." The file will be automatically downloaded to your device.

FINETIKS VIP Save

How to create FINETIKS VIP Save account by Bank Victoria

Go to the Save menu.
Click the "Start Account Opening" button. If prompted to enter a code, input the VIP Save referral code (if any). This feature is limited, so without a VIP Save referral code, you won’t be able to open a VIP Save account
Read and agree to all "User Agreements."
Take a photo of your ID card (KTP).
Review the ID card information. If any fields are blank, fill in the missing information according to the data on your ID card
Perform the Liveness Test by following the instructions in the app
Fill in your employment information
Provide your financial information
Verify your identity by entering your mother's name
Create a PIN for your VIP Save account
Successfully create your account.

How to successfully scan KTP during FINETIKS VIP Save onboarding

Make sure you use your original ID card (KTP).
Do not use any other type of identification card besides the KTP.
Ensure your KTP is in good condition.
Use good lighting when taking the photo.
Do not use a photocopied KTP.
Avoid taking a blurry picture.
Do not crop or edit your image.

How to successfully perform a selfie during FINETIKS VIP Save onboarding

Authenticity verification is required for security and authentication in the account opening process.
Ensure you have a stable internet connection.
Remove any facial accessories, such as glasses, masks, and others.
Ensure proper lighting and position your phone's front camera directly in front of your face.
Make sure your face is within the camera frame. Follow each subsequent step carefully.

How to create FINETIKS VIP Save PIN

Complete all the required processes for opening a VIP Save account.
After completing the process, you will be prompted to create a PIN.
Create a 6-digit PIN.
Confirm the 6-digit PIN.
Save it.

How does a 6% p.a. interest rate work?

FINETIKS VIP Save provides a yield of up to 6% per annum calculated daily based on the total balance and will be disbursed at the end of the month.

How to reset FINETIKS VIP Save PIN

Go to the Save menu.
On the main Save page, click "Details" for the VIP Save account information.
Select the "Reset VIP Save PIN" menu.
Enter a new 6-digit PIN.
Confirm the 6-digit PIN.
Enter your date of birth.
Proceed to the OTP verification process.
Input the OTP code sent to your registered phone number in FINETIKS.
Confirm. The VIP Save PIN has been successfully reset.

How to view my FINETIKS VIP Save balance

Go to the Save menu.
On the main Save page, click the "eye" icon.
The balance amount will be displayed.

How to view my FINETIKS VIP Save transaction history

Go to the Save menu.
On the main Save page, scroll down to the "Recent Transactions" section.
To view all VIP Save transactions, click "See All Transactions."

How to transfer fund from my FINETIKS VIP Save account to a Bank Victoria account

Go to the Save menu.
On the main Save page, click the "Transfer" button.
Select the transfer type: to the same bank (Bank Victoria).
Enter the destination bank account number.
On the Transfer page, input the amount of money to be transferred.
Confirm the transfer details.
Proceed with the transfer.
Enter your VIP Save PIN.
The transfer was successful.

How to transfer fund from my FINETIKS VIP Save account to another bank account

Go to the Save menu.
On the main Save page, click the "Transfer" button.
Select the transfer type: to a Other Bank (not Bank Victoria).
Enter the destination bank account number.
On the Transfer page, input the amount of money to be transferred.
Select the transfer method.
Confirm the transfer details.
Proceed with the transfer.
Enter your VIP Save PIN.
The transfer was successful.

How many free transfers can I do from my FINETIKS VIP Save account

Unlimited free transfer to Bank Victoria
20 free transfers per month to other banks (non-Bank Victoria).

How to set up a new Victoria Mobile Account

Download the Victoria Mobile app from the Play Store/App Store.
Open the Victoria Mobile app and tap "Register (Registrasi)."
Read the attached Terms and Conditions (Syarat dan ketentuan) thoroughly, then check the agreement box.
Fill in your personal information as listed in the FINETIKS app. Enter the "Account Number (Nomor Rekening)" corresponding to the VIP Save account on FINETIKS.
Enter the OTP code sent to the phone number you registered on both the Victoria Mobile and FINETIKS apps.
Create a User ID and a new password for the Victoria Mobile app.
Set up a 6-digit PIN on the Victoria Mobile app.
Done.

Profile Management

How to change the PIN?

If you want to change your PIN, follow the steps below:

Click your Profile in the app.
Select Account Setting.
Then select Change PIN.
Enter your current PIN.
Next, enter your new PIN.
Click Confirm.
Your PIN has been successfully reset.

How to close a FINETIKS account?

We are very sorry to hear that. To close your FINETIKS account, you can go to the settings and profile page. Then select account settings and choose delete account. You will be asked to answer some questions about why you are closing your FINETIKS account. Then, you will be prompted to enter a verification code to close your account. If successful, your FINETIKS account will be deleted.

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

No, you must delete the account properly within the app to remove the account and erase your transaction history.

What is the impact if the account has been deleted?

Then, you can no longer log in and use the FINETIKS app.

How to restore a closed account?

A deleted FINETIKS account cannot be restored. If you want to use the FINETIKS app again, you must register a new account.

How many account FINETIKS can be owned?

You can only have one FINETIKS account per phone number and email.

How to change the phone number in FINETIKS?

You can change it by visiting the homepage, then click the avatar at the top of the homepage, then click "profile info," edit the phone number, and the system will automatically request verification again for OTP validation. If successful, the account has been updated.

How to change the email address in FINETIKS?

You can change it by visiting the homepage, then click the avatar at the top of the homepage, then click "profile info," and edit the email address. Next, you will receive a verification email for the validation process. If done, the account has been successfully updated.

How to change the profile picture?

You can change it by visiting the homepage, then click the avatar at the top of the homepage, then click "profile info," click "edit profile," click the camera icon, and finally, choose the photo you want from your gallery.