What is Ajak Teman ?
Invite a friend to register with Jago using your unique referral code, both you and your friend will be rewarded with Rp50,000 each!
You can enjoy the bonus benefit from inviting up to 10 friends each month!
What are the advantages of Jago ?
60 Pockets = 60 Accounts
Separate expenses and savings, create 60 accounts in 1 application, in accordance with DSN MUI fatwa and without monthly admin fees.
Separate expenses and savings, create 60 accounts in 1 application, in accordance with DSN MUI fatwa and without monthly admin fees.
Jago Visa Debit Card
Make a card from the app and sent to your door for you to do all your online and offline transactions, accepted anywhere in the world
Make a card from the app and sent to your door for you to do all your online and offline transactions, accepted anywhere in the world
Jago's digital ecosystem
Hassle free GoPay top ups, maintain your investment with autodebit to Bibit, and many other benefits of Jago's ecosystem
Hassle free GoPay top ups, maintain your investment with autodebit to Bibit, and many other benefits of Jago's ecosystem
State of the art security
Transact safely with Jago's security system, 2FA authentications, facial recognition, PIN / password for your transactions
Transact safely with Jago's security system, 2FA authentications, facial recognition, PIN / password for your transactions
How to join this promo
| Steps for the referrer |
Steps for the referee |
| Create a Jago account Download the Jago app and register Jago Syariah |
Create a Jago account Download the Jago app and register Jago Syariah |
| Go to Ajak Teman section Copy your unique referral code, and share them to your friends! You can enjoy the bonus up to Rp500.000 from referring up to 10 friends each month! |
Input referral code from your friend Copy your unique referral code when registering in Jago app |
| Top up balance After your friend activates their account, top up your Jago Syariah account with a minimum of Rp500.000 To claim the bonus, a Rp500.000 top-up must be completed in a single transaction; accumulation is not allowed. The top-up must be made within the same month you invite your friends, or it will be considered invalid. |
Top Up Balance & Do Transaction Top up your balance no later than 7 days after your account is activated and have a minimum balance of Rp500.000 by the end of the month |
| Get the bonus! You and your friend will each get a Rp50.000 bonus! |
Get the bonus! You and your friend will each get a Rp50.000 bonus! |
- Promo period: 1 July - 31 December 2026
- Refer your friends to join Jago Syariah
- You and your friend will each get a Rp50.000 bonus!
- Requirements:
- Open the Jago app and click the Ajak Teman section
- Sample message with your unique referral code will be generated (please refrain from changing your mobile number on the Jago App during the promo period as that will prevent accruing your referrals to your unique code and you)
- Copy and send your referral code to your friend
- Your friend (referee) will be directed to download the Jago app and register Jago Syariah using your referral code
- For both of you and your friend to be eligible for Rp50.000 bonus; you must top up a minimum of Rp500.000 in the same month you invite your friend. A Rp500.000 top-up must be completed in a single transaction; accumulation is not allowed. Furthermore, your friend (the referee) must complete their Jago account registration with your referral code, top up their balance within 7 days of activating their account, and have a minimum balance of Rp500.000 by the end of the month
- The funds used to top-up the balance must be funds from another bank (fresh funds)
- Promotion period: 1 July - 31 December 2026
- This promo is valid for up to 2,850 eligible users each month throughout the program period
- This promotion is valid for all Jago or Jago Syariah new users
- If you are a Jago user, you can invite both Jago and Jago Syariah users. If you are a Jago Syariah user, you can only invite Jago Syariah users
- Terms for the referrer:
- Ensure you have registered Jago Syariah
- Open the Jago app and click the Ajak Teman section
- Refrain from changing your mobile number on Jago Syariah account within the month of the promo as that will prevent accruing your referrals to your unique code
- Your friend needs to download the Jago app and register Jago Syariah and input your referral code on the registration process
- A referral is considered complete and eligible for the Rp50.000 bonus if you top-up a minimum Rp500.000 in the same month you invite your friend. Furthermore, your friend (the referee) must complete their Jago Syariah account registration with your referral code, top up a minimum Rp500.000 within 7 days of activating their account, and have a minimum Rp500.000 balance by the end of the month
- The funds used to top-up the balance must be funds from another bank (fresh funds)
- A Rp500.000 top-up must be completed in a single transaction; accumulation is not allowed
- The maximum bonuses that you can receive in 1 month is for 10 friends who had successfully registered to Jago
- Terms for the referee:
- Referee need to input the referral code on the registration process of Jago
- Referee grants Jago permission to show name submitted, as part of referral summary to referrers for tracking. Information will be masked
- Referee needs to install Jago app and complete the registration using your friend's referral code
- Referees will receive a bonus of Rp50.000 if they successfully complete the Jago Syariah account registration with their friend's referral code, top up their balance within 7 days of activating their account, and have a minimum balance of Rp500.000 by the end of the month. Additionally, the referrer must have previously topped up their account with a minimum of Rp500.000 in the same month you invite your friend
- The funds used to top-up the balance must be funds from another bank (fresh funds)
- A Rp500.000 top-up must be completed in a single transaction; accumulation is not allowed
- You will receive your bonus no later than 14 working days after meeting all the requirements stated
- You can track your referral status, registration and fulfillment of minimum balance criteria of referees on the Jago app
- The prize tax is borne by Jago
- This promotion is free of charge
- Jago has the right to change the Terms & Conditions of this program if deemed necessary by providing information through Jago's website, application and social media accounts
- Decisions, conditions, or changes to conditions made by Jago cannot be contested
- By participating in this promotion program, Jago users acknowledge, understand, and agree to all applicable terms and conditions.
- Jago has the right to cancel a promotional prize if there is any indication of fraud or violation of the terms and conditions of the promotion, and/or Terms and conditions Bank Service Point (8) Chapter XVII about CLOSING, BLOCKING, TEMPORARY SUSPENSION OF ACCOUNTS.
- Jago and the customer agree to mutually released and freed the other party from all claims, demands, losses, costs that may arise in connection with this program if occurs due to the negligence of each party
- These terms and conditions have been made following the provisions of the prevailing laws and regulations, including the regulations of the Financial Services Authority (OJK)
- Should you have any questions, please contact us via the official Jago Customer Care contact numbers at 1500746 or (021) 3000 0746, email us at [email protected], and also our social media channels (Instagram and Twitter) at @tanyajago
FAQ
Ajak Teman is a referral program to refer your friends or your family to create a new Jago Syariah account by using your unique referral code
The akad that is used in this promo is Ju’alah akad, in accordance with the Fatwa DSN MUI No. 62/DSN-MUI/XII/2007 dated 06 December 2007 about Ju’alah Akad. This akad promises (iltizam) bonuses (reward/’iwadh//ju’l) for those of you who meet the requirements
This promotion is valid for all Jago or Jago Syariah users
Jago Syariah user can only invite Jago Syariah users
The Ajak Teman promo will last from 1 July - 31 December 2026
This promo is valid for up to 2,850 eligible new users per month throughout the program period
- Ensure you have registered Jago Syariah
- Open the Jago app and click the Ajak Teman section
- Refrain from changing your mobile number on Jago Syariah account within the month of the promo as that will prevent accruing your referrals to your unique code
- Your friend needs to download the Jago app and register Jago Syariah and input your referral code on the registration process
- A referral is considered complete and eligible for the Rp50.000 bonus if you top-up a minimum Rp500.000 in the same month you invite your friend. Furthermore, your friend (the referee) must complete their Jago Syariah account registration with your referral code, top up a minimum Rp500.000 within 7 days of activating their account, and have a minimum Rp500.000 balance by the end of the month
- The funds used to top-up the balance must be funds from another bank (fresh funds)
- A Rp500.000 top-up must be completed in a single transaction; accumulation is not allowed
- Referee need to input the referral code on the registration process of Jago
- Referee grants Jago permission to show name submitted, as part of referral summary to referrers for tracking. Information will be masked
- Referee needs to install Jago app and complete the registration using your friend's referral code
- Referees will receive a bonus of Rp50.000 if they successfully complete the Jago Syariah account registration with their friend's referral code, top up their balance within 7 days of activating their account, and have a minimum balance of Rp500.000 by the end of the month. Additionally, the referrer must have previously topped up their account with a minimum of Rp500.000 in the same month you invite your friend
- The funds used to top-up the balance must be funds from another bank (fresh funds)
- A Rp500.000 top-up must be completed in a single transaction; accumulation is not allowed
The maximum bonus you can receive in 1 month is for 10 friends who successfully register for Jago Syariah in accordance with the applicable terms and conditions
You will receive the bonus no later than 14 working days after meeting all the requirements stated
The bonus will be topped up to your Jago Syariah Main Account
No. The bonus is only for referrers who refer friends (referee) to create new Jago Syariah accounts
Program Illustration
Time to Always Manage Your Money
According to Sharia
Create up to 60 Jago Syariah Pockets (bank accounts) with Wadiah and Mudharabah akad to start saving, transacting, and managing expenses.
Open a Sharia Deposit in minutes directly from the app and get competitive profit sharing. Withdraw your Deposit early (if needed) without penalties.
Download Jago :
Grab your smartphone, scan the QR code below to download and register Jago Syariah from anywhere and anytime.
