Xinja vs ING

Find out which account offers the features you need.


Fact checked

Banks are increasingly offering innovative features with their accounts and apps. These include spending analyses and insights, bill splitting, travel benefits and payment options. There are a number of new banks, such as Xinja, entering the market with whole new products for you to consider, as well as banks, such as ING, that have been redesigning the concept of banking for a number of years.

To help you find the right bank account for you, we've done a side-by-side comparison of two innovative accounts from Xinja and ING so that you can see which might work better for you.

Xinja vs ING

When compared side by side, here is how the two accounts fared:

  • Best for use as a transaction account: ING
  • Best for understanding your spending: Xinja
  • Best for payment options: Tie
  • Best for bill splitting: Xinja
  • Best for use as a joint account: ING
  • Best for saving: ING
  • Best for travel: Xinja
  • Best for security and support: Tie
Data indicated here is updated regularly
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee
ING Orange Everyday Account
No fees for any ATM in Australia or overseas.
$0 monthly account fees.
Enjoy $0 ATM withdrawal fees when you deposit $1000 and make 5+ card purchases per month. Get a competitive ongoing variable rate when linked with the ING Savings Maximiser.
Xinja bank account
100% app-based everyday bank account.
$0 monthly account fee.
A digital bank account with no ATM fees in Australia or overseas, plus no currency conversion fees. Xinja app offers spending categorisation features.

Compare up to 4 providers

Account typeTransaction account (there's also a savings account, but it's currently closed to new customers)Transaction account and optional linked savings account
Spending analysis and insights
  • Winner

Your transactions will be automatically categorised, you'll receive insights into your spending and you'll get a daily spend figure to keep your budget on track.

Search your transactions from the last three years by keyword and customise the account balances you see in your app.
Payment options
  • Winner

You can use Apple Pay, Google Pay and Samsung Pay.

You can use Apple Pay and Google Pay with ING. It doesn't support Samsung Pay, but Samsung users can use Google Pay.
Bill splitting
  • Winner

Xinja lets you split payments and request funds.

You're able to make payments using the app and send an SMS or email to the recipient once you've paid.
Joint accountYou cannot use Xinja as a joint account.
  • Winner

ING's Orange Everyday account can be used as a joint account.

Savings accountXinja does offer a savings account (Xinja Stash), but it's not available to new customers.
  • Winner

You can link the ING Savings Maximiser to your ING Orange Everday to earn 1.8% interest on your savings. You just need to deposit $1,000 each month and make at least 5 settled purchases on your card each month. ING also lets you set up regular round-ups from your transaction account into your savings account.

Travel benefits
  • Winner

There are no international ATM fees and you will be refunded the foreign currency conversion fee with no conditions to meet.

An international transaction fee of $2.50 and an international ATM fee of $2.50 apply. However, these can be avoided if you deposit $1,000 each month and make at least 5 settled card purchases each month.
Security and support
  • Tie

You can lock and unlock your card instantly and access a 24/7 live chat in the Xinja app.

  • Tie

ING lets you lock and unlock your card instantly using the app. You can also use the app to contact ING at any time.

Fees and rates to consider
  • $0 monthly fee.
  • $0 international and domestic ATM withdrawal fees.
  • Foreign currency conversion fee is refunded.
  • $0 account keeping fee.
  • $2.50 overseas ATM fee. This is refunded if you deposit $1,000 each month and make at least 5 settled card purchases each month.
  • Any ATM operator fees will be refunded if you deposit $1,000 each month and make at least 5 settled card purchases each month.
  • $2.50 foreign currency conversion fee. This is refunded if you deposit $1,000 each month and make at least 5 settled card purchases each month.
  • 0.1% base variable interest rate for the ING Savings Maximiser account.
  • 1.8% bonus interest rate if you deposit $1,000 per month and make at least 5 settled card purchases per month.
MoreXinja full reviewING full review

The verdict

Both Xinja and ING offer accounts that are worth considering, but each account offers distinctive features that may better suit you depending on how you like to manage your money. Xinja comes out on top for giving you insights into your spending, with automatic spend categorisation and a daily spend figure to assist with your budgeting. It also offers an innovative payment splitting feature to help you easily pay friends.

If you're planning on using the card for travel, Xinja also comes out on top. You won't be charged any international transaction fees and any foreign currency conversion fees you are charged will be completely refunded. ING has foreign currency conversion fees and international ATM fees but these are waived if you make regular card purchases and deposit sufficient funds into your account.

ING's account can be used as a joint account, making it better for people who are looking for this feature. ING also offers better ways to help you save, with the option to link a savings account and earn bonus interest (Xinja's savings account isn't available to customers at the moment).

Both ING and Xinja let you lock and block your card via their respective apps and you can contact the banks at any time.

Before you sign up for any new bank account, make sure you compare other banks including digital banks to find the right service for you.

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