Xinja

I hope they add many more features over time, but for now, everything seems to work quite well. I do have one issue though, using the instant top up from another debit card, you need to top up at least $20, I think this could be lowered a little more. Other than that, I can't wait to see how they progress

I was hesitant about joining a bank that didn't have much publicity, but I did some research into how the bank came about and the CEO of the company and that gained my trust to start up an account. They have a great mobile app that was easy for me to start up and an awesome welcome package that came into the mail after I signed up. I hope their interest rates for their savings accounts - "Stash" accounts stay as competitive as they are now.

Don't be fooled by a name like Xinja, people seem to think it's Chinese, but it's 100% Australian owned and I assume the name Xinja, comes from their idea of a ninja mascot for the company, which is Japanese.

Easy to use and a lot of tools to save money. I would recommend this to anyone looking to move savings accounts. Due to the current economic downturn at the moment, they have suspended accepting new customers at the moment from what I understand in order to keep the interest rates for current customers

I got this card on the website https://www.xinja.com.au
It’s very good I received card on Monday this week and new banking features coming soon to Xinja so I have to wait and there’s no fees including No atm fees there’s a website.

Well, it’s been weeks now and I’m still waiting for them to “fix an issue” with their signup process.
I didn’t appreciate their condescending attitude after I contacted them when I couldn’t register and got the “Unable to verify” message. In answer to their stupid questions they asked; Yes, I have entered my name and dob correctly, they have been the same since birth and yes, my address is correct as it has been for over 5 years.
I suspect they are probably onboarding in batches and restricting new customers, which is fine, but why not be upfront and let people know what is happening? They talk about the big 4 not being transparent, well it seems they have already caught up to the big 4 in that regard. I can’t recall ever receiving that kind of “couldn’t give a rats” attitude from any established bank let alone any other reputable business.
If they are in fact still trying to fix a simple IT issue after all this time, then that in itself is a cause for concern and a good reason to stay away from these amateurs.
I realise they are targeting a specific demographic but if they want to be taken seriously then stop the immature approach and treat their current and potential customers with a bit of respect as eventually, they will need more than just a few Gen Z’s to succeed. When it comes to having somebody looking after your money, you want to know you’re dealing with a professional organisation with professional staff.
They may consider themselves a startup, but the way they carry on I think the proper term to use would be upstarts.

Massive rate cut to savings account reduced from 2.25% down to a crazy 1.8%. In one go!! You lost me.

BOQ is 2% on going and Macquarie is 2.65 for 4 months. AMP is 2.26 and RABO is 2.25 just to name a few.

Clearly ninja doesn’t want any customers anymore if they have a huge reduced rate with practically no notice. Well me and my family members will be closing ALL our account

It’s extremely frustrating that you go to all the trouble of opening a new bank account with the promise of a reliable rate only to have it slashed not long after being opened & promised the rates will stay firm via multiple emails. Pretty terrible to treat customers like that.

Bye bye

Tried to sign up for 3 weeks ago and the customer support couldnt do anything with the error. The app can't verify my id information either with license or passport. after I raise the issue with phone support, they can verify me with passport info but the system still does not update it. They refer it to IT department and still not hear anything so far.
Open easily with my partner info.

My wife and I used Xinja during extensive travels across Europe this year. We did travel in 14 countries and we found that the use of Xinja cards was easy, secure and reliable. Using our app we could instantly find out how much we were charged in A$ and we could see our balance. We had all our transaction fees reimbursed, which saved us heaps of money during our long holiday. We were able to use Xinja in all ATM overseas. We were able to use the card in all local currencies across Europe and Asia. Topping up was easy and we had the card linked with another debit card. Before travel, we had a good look at all the travel money options and we found that ING and Xinja providing the best and most affordable options for us.

We browsed the web and found that this business has an active Facebook page. We have discovered that this business has SSL (secure sockets layer), which means that this business handles your data, such as personal information or credit card details, with secure connection. We discovered that the domain for this business is relitevely new, which means that it could be a start-up business that does not yet have a huge amount of customers.