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Xinja is an independent, Australian 100% digital bank designed for mobile, made for people.

Easy as...and fun
Set up your accounts in seconds, in the app, with zero paperwork. Friendly fast support with in-app chat.

Rest assured
State of the art security, built in from day 1, plus like any other bank in Australia, we’re covered by the FCS (Financial Claims Scheme) so the money in your bank account is protected up to $250,000 by the Government.

100% digital with the latest technology means low costs for us low or no fees & competitive rates for you.

Bank account – open an account in a couple of minutes
Fund it & use instantly with Apple Pay or Google Pay. Xinja charges no card, account or ATM fees. Lock & unlock your card in the app for added security.

What’s next
We're shortly launching "Dabble", our US Share trading platform plus we're planning to launch Personal Loans in a few months and after that to relaunch 'Stash' - our v popular savings account with a highly competitive rate & no strings (no intro period, minimum deposits or payments).

What’s New

Version 20.11.1

We’ve upgraded security (can’t say any more....) plus we’ve also made some tweaks to the user interface.

Ratings and Reviews

3.8 out of 5
162 Ratings

162 Ratings

Perth WA ,

Transferring money and UI

Love the app and the customer service, but Pay ID/ Osko would be amazing! I know this is planned later on, but this feature couldn’t come any sooner. I would likely use the app far more than I do now. There doesn’t seem to be regular updates pushed out, but I can only imagine there is a lot going on behind the scenes.

I also think the UI needs a bit of a sleeker refresh. Would be great to visually reflect what you have in a savings account - something fun

Developer Response ,

Hi there - thanks for the review & feedback! We understand PayID/Osko is a hotly requested key feature, and we look forward to having this available for you in future.

Max's Davies ,

Personal experience

I love this bank application because it is very secure but the fact Xinja cannot do instant payment transfer after a 24 hour first payment is completed like other banks is the biggest downside of the application. Xinja second biggest problem is the connectivity with the servers, the server shuts off and doesn’t allow you to reconnect until a few hours later which is a big problem when you want to access your money. Overall it’s a moderate application but it needs a few tweak.

Developer Response ,

Hi Max! Thanks for the review, the good news is that we're aiming to release NPP/PayID later in the year which will make bank transfers instant. We're not aware of any server connectivity errors - this message can typically occur when an old or expired sign in link is selected. If this happens again please don't hesitate to get in touch with our support team via in-app chat or over the phone and we can assist further from there.

Starman Bolan ,

Transfer money into xinja

A bit of a hassle to transfer money into the account. I have to pull out my physical card of my main bank and Go through the whole process 3 digit number etc. in order to transfer I like the whole concept but I’ll wait until Osko is a feature before i start using it regularly.

Developer Response ,

Hi there! Thank you for the review, the good news is that we're aiming to release NPP/PayID later in the year which will make bank transfers instant. If you'd like, you can keep an eye on the features and account options we're working on by taking a look at our roadmap here: https://trello.com/b/DvScpL4o/xinja-roadmap


Xinja IP Holdings Pty Ltd
148.2 MB

Requires iOS 12.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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