- Insights into your spending
- Security and support
- Low fees
Not suited for
- Customers who like to visit a bank branch
- Customers looking for a linked bank account and savings account
Use the Xinja app to track your spending and gain better insights into your spending patterns with spending categories. You can also link your account to Apple Pay and Google Pay instantly – you don't even need to wait for your plastic debit card to arrive.
|Product Name||Xinja bank account|
|Payment Options||Apple Pay|
|Domestic ATM Fee||$0|
|International ATM Fee||$0|
|Licensing||Full Authorised Deposit-Taking Institution Licence|
There are no set-up fees and no monthly account-keeping fees. The Xinja app is free to download, and the sign-up process takes just minutes.
You'll get a free debit Mastercard linked to your Xinja bank account, which you can use in stores, online and at ATMs all over the world. The debit card comes with PayPass, so you can tap and pay without having to use your PIN for purchases under $100.
The Xinja bank account doesn't charge ATM fees in Australia or overseas. However, when using an ATM overseas the ATM operator may charge its own fee (this will always be displayed on the screen). There are also no currency-conversion fees when you use your debit card in another country.
There are no monthly deposit conditions to meet, and there's no requirement to make a certain number of purchases each month.
Instantly add a Xinja Stash account to your bank account in the Xinja app and start earning 2.25% p.a.on your Stash balance. There are no deposit conditions to meet to earn the 2.25% p.a. interest rate, and you can transfer money between your Xinja accounts whenever you need.
You can link your debit card to Apple Pay or Google Pay to make secure, contactless payments with your phone or device. You can enable these instantly after opening the account, even before you receive your plastic debit card in the mail.
Xinja is a digital bank that is completely built for mobile. The Xinja mobile phone app allows you to track your spending and to view your transactions in different spending categories. For example, if you went to the movies with friends, the transaction may be allocated to "entertainment".
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.
Australians over the age of 14 are welcome to sign up for the Xinja bank account. Follow these steps to get yourself a Xinja bank account:
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