Xinja prepaid card – App review

1 min read

The Xinja prepaid card is Xinja’s first banking product. Their main selling point is that they don’t charge overseas ATM fees and refund the foreign exchange fees. For the sake of context: None of the other neobanks do either. While I waited for their card to arrive, I had a play with their Android app.

Xinja prepaid card app – First impression

It’s cute. It’s got a little emoji ninja in a pink background that welcomes you “how money should be.” The welcome screens are clean, clutter-free and the copy is to the point. The features screen is more of what we already know about the Xinja prepaid card.

Xinja prepaid card - Login screen

I quite liked the sign-in process for two reasons – One that it doesn’t need a password and two, that it uses email and not SMS to authenticate the sign-in. This is a fantastic feature because the Xinja prepaid card is an international travel card. And if you’re travelling and swap out your home sim, you won’t get the SMS needed to login – a problem that none of the other cards have solved, making this a small but very important feature.

Xinja prepaid card app – Features

Currently, the Xinja app allows you to:

  • Top up your prepaid card
  • Track spending under different categories
  • Lock/unlock the card
  • Split payments – Request payment shares from others
  • Access customer support using in-app chat
Xinja prepaid card - Lock card feature

The lock/unlock card works as expected – You hold the button down to lock the card and hold it down again to unlock it. To be perfectly honest, I didn’t actually try using the card once it was locked.

Over the next couple of posts, the plan would be to try out the “Request payment” feature and the spend tracker feature.

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