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Xinja bank account review

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An everyday transaction account with zero ATM fees and no currency-conversion fees.

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.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Product NameXinja bank account
Monthly account fee$0
Card accessMastercard
ATM Withdrawal Fee$0
International transaction fee0%
Monthly deposit required to waive account feeN/A
Contactless paymentsGoogle Pay, Apple Pay, Samsung Pay

Key features

No account-keeping fees

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.

Free debit Mastercard

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.

How to apply

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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