Xinja Debit Card

Xinja is one of Australia’s leading neobanks, offering an entirely app-based banking solution which is both fee-free and convenient. Xinja is a digital bank with a physical debit card designed to help you organise your money and simplify your banking life.

Signing up for a Xinja account takes minutes and thanks to Apple and Google Pay, you can start using your account right away. Xinja users enjoy 0% foreign currency conversion fees and $0 fees for ATM withdrawals both in Australia and overseas.


    1.80% P.A. (up to $245,000)




    0% International transaction fees


    0$ fee for both local and international ATMs

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So what’s a Neobank?

Neobanks are simply banks which are completely digital. Although the word bank is generally associated with long queues, poor customer service and countless fees, neobanks promise to be different. They don’t even have physical branches!

What they do provide is all the banking services you need from the convenience of a smartphone app. They vow to deliver app-based banking that is easy to use and beautifully designed, with the ability to quickly track your spending while also delivering an excellent customer experience.

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Is Xinja Safe?

At first, you may be apprehensive about the idea of a fully digital bank. Although, it is important to note that neobanks are regulated by the same authorities as traditional banks – the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investment Commission (ASIC). Plus, just like traditional banks, deposits of up to $250,000 per person are protected by the Financial Claims Scheme (FCS).

Xinja Account Features

The Xinja bank account and debit card comes with all the features you would expect from a traditional bank plus more!

decor Xinja Account Features

No Fees

All the basics of a debit card with zero card, account or ATM fees (ATM providers may charge a fee – watch out for that!)

Detailed Transaction History

Tells you who you paid, when you paid down to the minute and the suburb where the transaction was made

Account Funding

Top up your Xinja account straight from the app using an Australian debit card. Alternatively, you can use your Xinja BSB and Account Number

Configure Card

Instantly lock and unlock your card whenever you need

Contactless Payments

Apple Pay and Google Pay

Round-up to Stash

When enabled each transaction is automatically rounded to the nearest dollar, with the amount rounded put in your savings account

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Xinja Is Great For Travel

While traditional banks will charge in excess of 3%, Xinja has zero currency conversion fees and zero international ATM withdrawal fees (although the ATM provider may charge a fee). To work out the currency conversion rate, Xinja uses Mastercard’s daily standard FX rate, without applying any markup.

1.80% p.a Interest Rate

Xinja boasts one of the best savings account (or “Stash” in Xinja terms) interest rates out there, currently 1.80% p.a. Customers can earn interest on balances up to $245K, with interest calculated daily and paid on the first day of the following month.

Previously, Xinja’s interest rate was excellent at 2.25%, although Xinja decided to reduce this due to the Coronavirus crisis. Unfortunately, Xinja also announced that they are currently not allowing new Stash accounts for the same reason.

Eligibility Criteria

To be eligible for the Xinja bank account and debit card, you will need to meet the following requirements:

Account type

Individual accounts only


Tax residents of Australia with an Australian residential address

Personal details

Must have an email address and an Australian mobile

Minimum Age


Is Xinja right for you?

Xinja is setting a new benchmark for what a banking app should be, and truly showing just how far behind the big four are. With detailed transaction insights, easy account finding, and a savings interest rate that ranks among the best in Australia there’s a lot to like about Xinja. Not to mention it is fee-free and easy to join!