working for you
Always know where you are with your money, track your spend, stash for specific things, pay less interest or earn more, never miss a bill. All on your phone.
easy as… and fun
Set up your account in seconds with zero paperwork. Friendly fast support 24/7 with in-app chat. Better, faster money decisions without the angst.
a win - win
100% digital + latest technology = low costs for us & competitive rates & low or no fees for you. Plus we design our products to help you get ahead – if you do well, so do we.
so build your own bank
Join the Founding Xinja community, get access to the early cards & app, test it and feedback. We are building a bank together, so it will be what you want.
Banks focus on maths, not behaviour, while most of money is behaviour, not maths.
- Andrew -
I don’t want to stress about money more than 5 minutes a day.
- Leisa -
Everything we do as millennials is different to our parents, but banking is the same.
- Arthur -
[It] hit me in the last 5 years … I only have a finite number of years...
- Sophie -
It's all kind of sort of a big flurry of transactions going out then and you don't really know how much you spend.
- Chris -
I should be able to do it [all] on my phone.
- Josh -
I don’t think that banking needs to be painful but it often ends up being quite painful.
- Dylan -
Sometimes I feel like I’m talking to the wall because she doesn’t understand it; I’m always the bad guy, the money guy.