Xinja prepaid card and app review

Use Xinja’s prepaid Visa card at home or overseas, and easily track your spending with the app.

Quick verdict

Good for
  • Travelling
  • Insights into your spending
  • Security and support
  • Low fees
Not suited for
  • Use as a transaction account
  • Large ATM withdrawals
  • Holding large amounts on the card

What to know about Xinja’s prepaid Visa card

Launched in March 2018, the Xinja prepaid Visa card is an everyday spending card. You can load it up and use it to make purchases in Australia and anywhere in the world using your own money.

Unlike a debit card or a credit card, the balance on your Xinja prepaid card is not a bank deposit or a line of credit. Instead, the card will hold your pre-loaded funds so you can use it to make purchases. You will not earn interest on the balance stored on your card, and there is no overdraft or credit facility.

Product NameXinja Prepaid Card
Card TypeVisa
Supported CurrenciesAUD
Supported DevicesiPhone
Domestic ATM Fee$0
International ATM Fee$0
LicensingRestricted Authorised Deposit-Taking Institution Licence (bank licence)
Credit Licence
SupportLive chat

Features on offer from Xinja

User-friendly app

The Xinja mobile phone app allows you to track your spending on your prepaid card when you’re relaxing at home or on the go.

Spend categories

The Xinja app divides transactions into various spend categories, so you can get a better understanding of exactly where your money is going. For example if you went to the movies with friends the transaction may be allocated to “entertainment”. Being able to track your expenses can help you to identify where you need to tighten your belt.


You can use the prepaid card to make contactless tap-and-go payments for purchases under $100 without entering your PIN, just like a standard debit card.

Top up from an existing transaction account

You can top up your prepaid Xinja card via a direct transfer from an existing Australian bank account. The most you load onto the card at any time is $999. Note that it may take up to three days for funds to be available on your Xinja card after you carry out the transfer.

Auto top-up

You can also arrange to automatically top up your Xinja card from your bank account when the balance falls below a certain level. Nominate your trigger amount (or the amount you don’t want your balance to fall below) and your top-up amount, and have funds transferred via direct debit from your bank account automatically.

To set up the auto top-up feature, you’ll need to complete a Direct Debit Request form, which your bank should be able to provide you with, and to agree to the terms of your bank’s Direct Debit Service Agreement.

Free ATM withdrawals in Australia and overseas

Xinja charges no ATM fees in Australia or globally, so the card is also a convenient travel card to use while abroad. However, the local ATM operator may charge their own withdrawal fee.

Freeze your lost card instantly

Xinja allows you to instantly lock your card if you've misplaced it, to save it from being used by someone else. You can do this via the Xinja app, where you can also unlock it once you’ve found it again.

Fees and costs

  • Card replacement. There is a $10 fee if you lose your card and need a new one.
  • Disputed transaction fee. If you believe an incorrect transaction was made and you ask Xinja to dispute a transaction, and it turns out to be an authorised, valid transaction you may be asked to pay a $20 fee.
  • Currency conversion fee. There is a foreign currency conversion fee of 3.5% of the transaction value. This is applied when you make a transaction with your card in a currency other than Australian dollars. For example, if you use your card at a restaurant when travelling in Europe.


  • Maximum amount you can store on the card: $999
  • Minimum amount that can be loaded onto the card at any one time: $20
  • Maximum that can be withdrawn from an ATM per-day: $500
  • ATMs which accept Xinja: BankWest, Commonwealth Bank, St George and Westpac (for now)
  • You cannot have direct deposits, such as your salary, paid into your Xinja account.

How to get started with Xinja

You can download the Xinja app on Android or iOS and register to receive your card. You can also register on the Xinja website. Card delivery normally takes around five days, so make sure you leave plenty of time for it to be delivered if you plan on taking it overseas.

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4 Responses

  1. Default Gravatar
    GriffinMarch 28, 2019

    Hi Jhezelyn,
    Thank you for your reply.
    On there website it is seen to have a 3.5% refund feature for foreign currency conversions which might be a new feature but is seen under “travel” on their website if you could confirm this is correct. I was wondering if you knew of any fees associated with transactions overseas as well because I’m heavily looking at this hard for my coming trip.
    Any extra information you have on Xinja would be awesome!!

    On Xinja’s webiste it suggests a 3.5% refund feature for foreign currency exchanges. I don’t know if this was a new feature or not.
    I was wondering if you knew of any fees associated with transactions overseas as well?
    Seems like quite a good option for my travel overseas.
    Any added information would be awesome!


    • Avatarfinder Customer Care
      NikkiMarch 29, 2019Staff

      Hi Griffin,

      Thanks for getting in touch! The 3.5% refund is a standing feature of Xinja Prepaid Card where you are refunded 3.5% of the currency conversion fee when you use the card in a currency other than Australian dollars. The card provides Free ATM withdrawals at home & overseas but an ATM provider may charge a fee so make sure to be in the know of the fee you’re withdrawing money from.

      Hope this helps!


  2. Default Gravatar
    GriffinMarch 27, 2019

    Xinja has the 3.5% refund as a feature. Does this make it a valid option as a transaction account now?

    • Avatarfinder Customer Care
      JhezMarch 28, 2019Staff

      Hi Griffin,

      Thank you for your comment.

      Upon checking, Xinja Prepaid Card does not have a 3.5% refund as a feature, however, there is a foreign currency conversion fee of 3.5% of the transaction value which is applied when you make a transaction with your card in a currency other than Australian dollars.

      Also, Xinja Prepaid Card is not suited for a transaction account use.


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