Xinja vs Up
We compare the two neobanks side by side to see which one comes out on top.
We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.
We compare the main features of both banks below to help you decide which might be the better option for you.
Xinja vs Up
- Best for spending analysis and insights: Up
- Best for payment options: Up
- Best for travel: Xinja
- Best for saving: Up
- Best for bill splitting: Xinja
- Best for security and support: Xinja and Up
|Account type||Prepaid card and app||Transaction account and savings account|
|Spending analysis and insights||Xinja will categorise your spending automatically as well as give you a daily spend figure.|
Up categorises your transactions and can predict your upcoming bills and expenses to help you budget better. You can also see the history of your spend with your billers. You'll also receive real-time reports into your spending and detailed information about your transactions, including time of day and location.
|Payment options||Currently offers contactless payments but no digital wallet capabilities.|
Up is available on Apple Pay, Google Pay, Garmin Pay and Fitbit Pay.
You can split payments and bills between friends as well as request money from them.
|Bill splitting is not currently available.|
|Savings account||No savings option currently available.|
Up's linked savings option offers round-ups, multiple savings accounts tied to your goals and a bonus interest rate of 1.5%.
You won't be charged for international ATM withdrawals and you will be refunded the foreign currency conversion fee.
|You won't be charged international fees on transactions online or in-store and you will be shown how much you are spending in the local currency as well as in AUD. However, a $0 international ATM fee applies.|
|Security and support|
Lock and block your card at any time and get 24/7 support in the app.
You can lock and block your card within the app at any time and get support 24/7 in the app.
|Fees and limits to consider|
|More||Full Xinja review||Full Up review|
Both Xinja and Up offer a number of innovative features in their accounts with minimal fees. As outlined in the table above, Up's spending analysis features are slightly more advanced at the moment. Your transactions are not only categorised but your bills are automatically recognised and you can get useful information for your transactions, including when you spend overseas. Also, if you're looking to set up a linked savings account and earn interest, then Up is the better option.
However, if you want an account to travel, Xinja will charge you no fees for international ATM withdrawals (which Up does). Xinja also offers a useful payment-splitting feature that would come in handy not only when travelling but also for everyday purchases between friends. Up does not offer this feature. So, if you want an account to travel with, Xinja may be a better option.
Keep in mind that Xinja's product is a prepaid card, not a transaction account. Up's product is a transaction account and you can use it to receive your salary into.
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