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Fire in the Building

Who would have thought that I  experienced fire in the building.  This is my first time living in an appartement. Of course I never chose appartement when living in Indonesia because it’s a real high risk when the earthquake happen. But here we are placed in an appartement. What got me relieved the first time that we are in the lowest floor so if something happen we will be quickly evacuated.  That’s what I thought.  Until it really happened.  We slept around midnight and abruptly woken up by the noise outside. I thought it was the drunk people just got back from night club or the restaurant next door was doing some deep cleaning. So loud that I had to wake up. My husband peeked outside and immediately said “fire brigade outside, you wait here!” I was just “am I dreaming or what?” I put on clothes, checked outside and saw a few of fire trucks. I checked the other side of the appartement and saw a few of police cars and ambulances.  “Oh no, something serious...

Pakai Debit Jenius di Luar Negeri

Amsterdam Central Station 

Ini pertama kalinya pakai debit Jenius di luar negeri. Pemakaian ini menggunakan sumber dana EUR yang ada di aplikasi. Jadi uang yang keluar adalah uang EUR, bukan IDR. 

Untuk buka rekening valas di Jenius, tinggal ditambahkan saja bagian buka akun valas lalu pilih kurs yang diinginkan. Di kasus ini gw punya rekening EUR di Jenius yang ditujukan untuk transaksi di Eropa. 

Karena kemarin lagi di Belanda, akhirnya pengen coba pakai debit card Jenius karena EDC di Belanda belum tentu bisa untuk kartu kredit saja. Sebelum digunakan tentunya jangan lupa untuk menyambungkan kartu debit ke rekening mata uang asingnya biar sumber pengeluaran juga langsung dari tabungan valas itu. Tinggal klik klik aja kok.

Tibalah saatnya menggunakan mata uang EUR yang sudah kubeli dari Jenius. Waktu itu gw pakainya di Schipol, di dua toko berbeda, dan keduanya nggak bisa tap langsung. Jadi harus insert kartu, tentu bukan masalah. 

Karena terbiasa dengan transaksi pakai IDR meskipun di luar negeri, di toko pertama secara refleks gw pencet IDR di mesin EDC. Pilihan kurs akan muncul sebelum memasukkan PIN, biasanya dalam bentuk IDR (mata uang asli kartu tersebut) dan kurs di negara asing tersebut. Saat itu transaksi sekitar EUR 21.90 tapi karena pilih IDR maka dia menunjukkan jumlah dalam IDR. Setelah transaksi ada notifikasi langsung masuk ke app dengan jumlah total EUR 23,76. 

Mikir dong, "Lho kok beda? Prasaan tadi cuma nggak sampai 23 deh?"

Berlalulah pikiran itu, dan belanjalah gw ke tempat lain. Kali ini gw pakai EUR aja lah karena harusnya ya yang keluar bisa EUR karena gw udah punya EUR. Jumlah yang ketarik dari kartu cuma sebesar yang ditagihkan, yaitu EUR 14,10. 

Notifikasinya terlihat beda kan?

Karena penasaran, gw cek detail transaksinya. Oh ternyata, untuk toko yang pertama ketika menggunakan IDR (yang ditarik dari rekening EUR) jumlah uang yang keluar adalah sejumlah kurs valas per hari itu. Ibarat kata kita udah punya EUR via aplikasi, lalu dikonvert ke IDR karena pencet kurs IDR di EDC, lalu jumlahnya dikonvert lagi ke EUR dengan rate hari itu. Agak tricky dan ngeselin juga. But now I know. 

Apakah worth it menggunakan Jenius debit card untuk transaksi di luar negeri? Bagi gw iya, karena di Belanda harga sen pun bisa pakai debit card. 

Jadi gimana, apa kalian pernah juga pakai kartu debit Jenius di luar negeri?

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Fire in the Building

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