‘Stash’: a quick & easy way to save money.

No strings. Just Stash.

A Savings Account linked to your Bank Account.

Please note, due to overwhelming demand, Xinja is not opening any new Stash accounts at the moment. We  are hoping to offer new Stash accounts in a couple of months. For our blog on why we’ve paused please click here.  



Juicy deets

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

Please note, the amount on which you can earn interest in a Stash account has been capped at $50,000 from November 23 2020.

How to get stashing

Please note, Xinja is not opening any new Stash accounts at the moment.

  • You need a Xinja bank account to open a Stash account.
  • If you haven’t already, open one in minutes on your mobile 😊  (see app download buttons below)
  • Once your account is set up, it’ll take seconds to open your Stash.

Even juicier deets

  • Stash accounts have their own BSB and account number so you can easily transfer from your Xinja bank account or from any other bank account to your Stash
  • Have your salary deposited directly into your Stash to make it go further
  • Interest will be calculated daily and paid monthly
  • Deposits up to $250,000 are guaranteed by the Australian government (under the Financial Claims Scheme)

Terms & conditions

For the nitty-gritty, read these in full here – these are combined with our bank account terms and conditions.

Want more info?

Some frequently asked questions on this are:

  1. Why can’t I open a Stash account? 
  2. What is stash?
  3. Can I have more than one Stash?
  4. Stash payments
  5. I’m a tax resident of Australia. Do I need to provide my Tax File Number (TFN)?
  6. Do you pay interest on Stash?
  7. When do I get my statements?
  8. What is a ‘Tax Resident’?
  9. All Stash Account FAQs 


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