Xinja products


Xinja bank account

The Xinja bank account is now available to everyone. 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?

Download the app in the App Store or Google Play Store to open your account – it only takes a couple of minutes.

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
  • $245K max balance per customer

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.

‘Stash’: a quick & easy way to save

Please note – due to unprecedented demand, we are not opening new Stash accounts at the moment. If you have or open a Xinja bank account, you will be given first priority on Stash when we offer new accounts again in a couple of months. Read our blog here on why we stopped opening them.

A high interest savings account linked to your Xinja bank account. Simple saving via the app. Open a Xinja bank account in seconds and get access to your Stash. Easy as.

  • Earn 1.5% interest on balances up to $50K with no strings 
  • No intro period
  • No min deposits / payments
  • Instant setup via Mobile App 
  • Quickly stash what you can spare from your daily spending

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 product roll out

We are planning to launch lending products (personal loans and home loans) later this year. We share our product roadmap with customers so take a look at what’s ahead and don’t forget to vote up features. Join the Xinja community forum for general chat & to drop feedback or ideas!

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