We are an independent, 100% digital neobank for Australians. Designed for mobile – made for people. We believe it’s time Australians had access to a banking experience built around their needs and in their interests. Incredibly quick and easy to use, Xinja will be intuitive, smart, personalised and automates the little things. This means you can spend less time thinking about money, save faster, spend safely and make money decisions with less worry. We want to make it possible to start using a new account in seconds, get instant balance updates on payments, deposits and spending, see instantly how you are tracking against financial goals, and to follow where your money is going and easily make changes to get where you want to. It’s alright if you haven’t had a chance to think ahead: Xinja will prompt you with options to improve your finances, which you can action with a single swipe, and we do the rest. Without the costs of retail branches or legacy systems, Xinja will offer highly competitive rates and low or no fees.