How money should be

We are building Australia's first 100% digital bank. We are not a bank yet but we want to be & we want you to be a part of it. We’re partnering with Equitise to offer equity crowdfunding - your chance to own a piece of Xinja.

We are building Australia's first 100% digital bank. We are not a bank yet but we want to be & we want you to be a part of it. We’re partnering with Equitise to offer equity crowdfunding - your chance to own a piece of Xinja.

Like any investment, Crowd-Sourced Funding (CSF) is risky. Investors may lose their money and the business may not achieve its objectives. You should consider the CSF offer document and the general CSF risk warning contained in the offer document in deciding whether to apply under the offer. Click here for more information.

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working for you

Even when you’re asleep. Never miss a regular bill. Move money instantly to earn more interest or pay less. Always know where you are with your money, see how much you can afford & where your money is going. Stash money for specific things. All this (and more) on your phone.

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easy as...and fun

Turn a dull task into a rewarding game. Save with a single swipe, tap to pay a bill, set up your account in seconds with zero paperwork. Friendly fast support 24/7 with in-app chat. Better, faster money decisions without the angst.

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a win-win

Being 100% digital & having the latest technology means low costs for us & competitive rates & low or no fees for you. Plus we design our products to help you get ahead - if you do well, so do we. Xinja is being designed in your interests & these are ours too.

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So build your own bank!

Join the Founding Xinja community, get access to the early cards & app, test it
and feedback. We listen to what you want so we can deliver what you need.

We are building a bank together, so it will be the bees knees.

Money thoughts

"Banks focus on maths, not behaviour, while most of money is behaviour, not maths." 

- Andrew

"I don’t want to stress about money more than 5 minutes a day." 

- Leisa

"Everything we do as millennials is different to our parents, but banking is the same."  

- Arthur

"[It] hit me in the last 5 years … I only have a finite number of years..."

- Sophie

"It's all kind of sort of a big flurry of transactions going out then and you don't really know how much you spend."

- Chris

"Why can’t my bank app show me my future position, keep track of my spend?"

- Carol

"I should be able to do it [all] on my phone."

- Josh

"Bring us interesting and new ways to do things to grow money faster."

- Hasaan

"I don’t think that banking needs to be painful but it often ends up being quite painful."

- Dylan

"Sometimes I feel like I’m talking to the wall because she doesn’t understand it; I’m always the bad guy, the money guy."  

- A.