I have been with xinja just few months very good app and products I don’t know about customer service but good luck for future to everyone enjoy xinja ninja thank you ❤️

awesome bank I mainly bank with comm bank but when I made the switch oh so so much better for comparison if my balance fall below $3 with commbank I will be charged a fee but a xinja nothing 0 I love it cant give higher praise I'm over being ripped of by the so called big banks.

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...

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.

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

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!

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.

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.