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Xinja

Xinja

3.4 from 16 reviews

Reviews

3.4

16 reviews
5
(6)
4
(4)
3
(1)
2
(1)
1
(4)
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Debbie

DebbieGreater Melbourne (Inner), VIC

  • 17 reviews

Much the same

published

Opened an account last year due to their better interest rate on deposits, as that’s what they promoted as setting them apart from the other banks, being totally online. Last week they heavily reduced their rates on the deposit account, so I moved back to my old account as interest rates similar. Nothing special about them, rates like many others.

Transparency
Customer Service
TopicGeneral Transactions
CorpWatchDog

CorpWatchDogSydney, NSW

  • 2 reviews

What a joke!

published
Transparency
Customer Service
TopicNew Account
Callum K.

Callum K.Greater Melbourne (Metropolitan), VIC

  • 2 reviews

Great app, easy to start up an account and great customer service

published
Transparency
Customer Service
TopicGeneral Transactions and New Account
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Amber

AmberGreater Melbourne (Inner), VIC

  • 5 reviews

Had issues immediately so cancelled the account

published

I joined for the interest rates. however when attempting to use their "instant top up" the funds weren't credited to my account. instead they were in limbo for a few days before being refunded to my original account. totally unacceptable. I will say though they have great customer service

Transparency
Customer Service
TopicGeneral Transactions
Ian L.

Ian L.Sydney Surrounds, NSW

Great bank, great app, great team.

published

Joined early on and had no issues at all.
Very easy to open an account and highest savings rate in market!
Also not crap like the rest of the banks.

Very quick response times as well.

And its Australian, even though they sound Chinese.

Transparency
Customer Service
TopicATM Experience, General Transactions and New Account
Holly Vo

Holly VoQueensland

Difficult to sign up due to id verification

published

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.

Transparency
Customer Service
TopicNew Account
Kristof A.

Kristof A.Greater Melbourne (Inner), VIC

Interest rate not as advertised.

published

The only reason I switched to this bank was their "2.25%" fixed interest rate stash account.

If it sounds too good to be true, it is. They don't pay 2.25%. they paid me 1.3%, and when questioned I got some Nonsense in return about interest on money deposited prior in the month etc. Whereas they clearly state interest is calculated daily at 12am.

1.3 isn't that bad. But you won't get 2.25.

Attached you can clearly see I was paid $8 interest on a balance of 7500, where it should've been $14.

Edit: since this review however, the next months interest rate was exactly 2.25% despite what's going on currently. Changed from 3 to 5 for now

Transparency
Customer Service
TopicNew Account
Poolies

PooliesRichmond-Tweed, NSW

Not great

published

I opened an account with a view to putting a reasonable amount of money in. Then found that my wife and I couldn't get joint access, as Xinja doesn't provide more than one card, or do joint accounts. No solution offered, just a suggestion that we could find another bank that does! So that's what we have to do. Not great

Customer Service
TopicNew Account
Spoma

SpomaPerth, WA

Log In without email verification

published

I have enabled fingerprint log in but still ask for email verification. this is bit annoying.
Is there a way to log in with fingerprint or pin.

Otherwise it all looks good.

Transparency
Customer Service
TopicNew Account
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Raymond

RaymondSouth East Queensland, QLD

  • 31 reviews

Limited functions so far

published
Transparency
Customer Service
ABC67

ABC67Perth, WA

  • 19 reviews

Competitive Savings Rate

published

Only set up my account a few weeks ago and overall find them to be quite easy to deal with and easy to transact. Xinja seems quite transparent and so far no nasty surprises. Time will tell if this is a good option, so far so good. I will say they are easier to deal with than some other Neo bank competitors.

Transparency
Customer Service
TopicGeneral Transactions and New Account
lebron720

lebron720Sydney Surrounds, NSW

  • 60 reviews
  • Verified customer

Fast and simple set up

published

I signed up to Xinja using the app. It was so simple and easy. So much easier than opening online bank accounts. Transferring money into your Xinja bank account is instant when using your debit card. I have not tried using bpay or had to contact customer service as yet. The interest rate is better than the big banks and there are no fees. My xinja debit card came in cute and clever packaging. And it's pink!

Paul.

Paul.Darling Downs, QLD

  • 4 reviews

Not too bad at all

published

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

Transparency
Customer Service
TopicGeneral Transactions and New Account
J R.

J R.Metropolitan Adelaide, SA

  • 3 reviews
  • Verified customer

Just Okay For Now

published

Extremely frustrating communication tactics when in need of Account Information, they claim to communicate any issues via chat, so you type away your issues and questions, however they only respond with Give Us Call... which is really impossible at times.
definitely need to tone down the super duper over top insincere way they speak too. other then that, The Pink card is a nice colour and the app runs smoothly.

duststorm

duststormMetropolitan Adelaide, SA

  • 9 reviews

Perfect for overseas travel.

published

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.

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Mark M.

Mark M.AU

  • 69 reviews
  • 1 like

Review of Xinja banking app iOS and android

published

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.

2 comments
Mark M.
Mark M.

This is a prepaid card as deposits will take ages to come though as there’s a rival to Xinja it’s called UP it’s a debit master card and I have no funds at moment

Mark M.
Mark M.

I can deposit money from eft va Tabcorp and oz lottery’s app on iOS on Up it’s a digital bank on a app on iOS and android it’s great

Questions & Answers

Ivor W

Ivor Wasked

Can you transfer funds from Xinja savings account to another bank

1 answer
lebron720
lebron720

You can transfer to another account with a BSB. No BPay from what I see at the moment

Pat K.

Pat K.asked

Is your bank gov backed? If you fold do i lose my money

1 answer
Jillie G.
Jillie G.

From https://xinja.com.au/products/
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.

Macca 944

Macca 944asked

Where is Xinja based?

1 answer
Frank V.
Frank V.

Sydney based. Be careful their leadership have previously been involved in major problems at MLC. Read somewhere that they were in charge of the advisers taking fees and not doing anything in return.

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