Limited functions so far
I realise it is new., but in reality the card account is almost useless to me.
Without Bpay i cannot pay any bills.
So Xinja team, time to move forward get some Bpay happening.
I did have a problem with instant top up function, which was not Xinja fault.
I tried to top up from Comm bank while using 4g internet.
No way would it go.
Seems comm bank do like like people using 4g to top up another bank.
It will only work using wifi, as i found out in the netbank app help section after a lot of digging.
A bit crazy on comm banks side, if i was somewhere and no wifi i would not be able instant top on 4g. Which I think is the whole idea of mobile banking.
Another dinosaur bank idea....
Competitive Savings Rate
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.
- Verified customer
Fast and simple set up
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!
Not too bad at all
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 $20, I think this could be lowered a little more. Other than that, I can't wait to see how they progress
- Verified customer
Just Okay For Now
Extremely frustrating communication tactics when in need of Account Information, they claim to communicate any issues via chat, so you type away your issues and questions, however they only respond with Give Us Call... which is really impossible at times.
definitely need to tone down the super duper over top insincere way they speak too. other then that, The Pink card is a nice colour and the app runs smoothly.
Perfect for overseas travel.
My wife and I used Xinja during extensive travels across Europe this year. We did travel in 14 countries and we found that the use of Xinja cards was easy, secure and reliable. Using our app we could instantly find out how much we were charged in A$ 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.
Questions & Answers
Can you transfer funds from Xinja savings account to another bank
Is your bank gov backed? If you fold do i lose my money
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