Xinja products


Xinja bank account

The beta version of the Xinja bank account and app is now launched and being rolled out to existing prepaid card customers and our waitlist. It’s early stage, and we are looking forward to working with customers to refine it & tell us what they want so we can make it bloody brilliant.

How do I open a Xinja bank account?

If you’re already a Xinja customer or on our waitlist, you’ll get an email invite soon to open an account. If you’re not yet signed up, click on the relevant link below to download the app and join the waitlist and we’ll let you know the moment you reach the top – it won’t be long!

What to expect

  • Open an account in seconds
  • All the basics of a bank account & debit card with zero card, account or ATM fees (although the ATM providers may charge a fee – watch out for that!)
  • Apple Pay & Google Pay
  • Instant Top Up via a debit card
  • Freeze and unfreeze your card
  • Plus we’ll be rolling out new features regularly like our savings account (stash) with a highly competitive rate, instant notifications, and lots more
  • Fast, friendly support via in app chat

Digital & instant

You can set up Apple Pay and Google Pay from within the app or via their wallets & use them right away – before you get your plastic card.

Great for travel

Like the Xinja prepaid card, there are zero currency conversion fees and zero international ATM withdrawal fees (although the ATM provider may charge a fee).  Plus you can instantly lock and unlock your card in the app and see the transaction amount in both currencies.

Rest assured

Like any other bank in Australia, Xinja Bank is covered by the FCS (Financial Claims Scheme) so your money is protected by the Government up to $250,000. Lock and unlock your card instantly in the app for added peace of mind.

Get involved

Give us feedback and tell us what you want as we go at  the Xinja community forum plus sign up for usability testing of forthcoming features. And check out the Xinja Bank Account trello board here and flag the features most important to you.


You can take a look at our Bank Account Terms & Conditions here.


Xinja app & prepaid card

Now that we’ve launched Xinja bank account, we’re no longer taking applications for the Xinja prepaid/travel card. However the new Xinja bank account and app will have all the benefits of the Xinja prepaid app and card AND A LOT MORE!!!!! And it will still be fabulous for travel :-). We’ll be discontinuing the Xinja prepaid card on 1st December 2019 but if you’ve got one, we’ll remind you in good time and give you the option of transferring to the Xinja bank account if you want to 🙂

Indue Limited (AFSL 320204) is the issuer of the Xinja Prepaid Card pursuant to a worldwide licence from Visa Worldwide Pte Limited. Xinja Pty Ltd is the distributor and promoter of the card and is an authorised representative of Indue. Any advice is general only and doesn’t take into account your objectives, financial situation or need. Please see the PDS .


Xinja home loans

We’ve already launched Xinja Home Loans to a limited number of friends and family and we’ll be rolling out to the public in 2020. We are developing home loan products that will not only be highly competitive, but simple and fast to apply for, and will include new features designed to make getting, paying off and managing your home loan much easier. If you’d like to be one of our early home loan customers – or have some specific ideas or requests for the kind of home loan you’d like! –  drop us a line at [email protected].


Xinja product roll out

The next planned product after bank accounts will be personal loans and home loans in the first half of 2020.  And as we develop and introduce more products, we’ll be adding more AI (artificial intelligence) – ie: getting smarter – as we go, making the service more tailored to you, and even easier to use – all via the app.

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