2 photos


3.7 from 18 reviews · View Statistics


  • Transparency
    2.5 (2)
  • Customer Service
    1.7 (3)

CorpWatchDogSydney, NSW

  • 2 reviews
  • 1 like

What a joke!

Customer Service
See all answers
Similar opinion? Write a review on ProductReview.com.au!
Holly Vo

Holly VoQueensland

Difficult to sign up due to id verification


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.

Customer Service
See all answers
Similar opinion? Write a review on ProductReview.com.au!

PooliesRichmond-Tweed, NSW

Not great


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
Incentivised ReviewNo
TopicNew Account
Similar opinion? Write a review on ProductReview.com.au!

Find out how Xinja compares to other Banks

Know better, choose better.

Compare all
See all Xinja reviews

Questions & Answers



How much in customers savings now? $200 million ? , reason I ask is the government FCS only covers a max of $20 billion per ADI ? And it needs to be activated by the govt , which it is currently inactive! I know this as I contacted APHRA ! Also I heard xinja maybe in finnical difficulty as with no loan products there is very little income stream. Also which banks does xinja deposit our savings money with ? ANZ cba Westpac ? If so They are above $20 billion limit per ADI (CBA has 660 billion) so money at risk if they default

No answers
Ivor W

Ivor Wasked

Can you transfer funds from Xinja savings account to another bank

1 answer

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.

See all Xinja questions

Get an answer from our members


Discontinuation dateDec 2020

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.