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.

Quick verdict

Good for
  • Travelling
  • 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

What to know about the Xinja bank account

Product NameXinja bank account
Card TypeMastercard
Supported CurrenciesAUD
Supported DevicesiPhone
Payment OptionsApple Pay
Google Pay
Domestic ATM Fee$0
International ATM Fee$0
LicensingFull Authorised Deposit-Taking Institution Licence
Credit Licence
SupportLive chat

Features of the Xinja bank account

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.

No Xinja ATM fees worldwide and no currency-conversion fees

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.

No ongoing deposit conditions to meet

There are no monthly deposit conditions to meet, and there's no requirement to make a certain number of purchases each month.

Link to a Xinja Stash account and earn 2.25% p.a. on your savings

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.

Instant access to Apple Pay and Google Pay

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.

User-friendly app

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".

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.

How to open a Xinja bank account

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:

  1. Download the app. Download the app for free from the App Store or Google Play.
  2. Get verified. Once you've downloaded the app, you can enter your details so Xinja can verify your identity. This process is done completely via the app and requires no paperwork.
  3. Account open! When you're verified (this should only take a few minutes), your new account will be opened and you're now able to deposit money and link a Xinja Stash savings account.

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