Feedback on Beta Xinja Bank Account Roadmap

:rocket:Hi Xinjas - our beta bank accounts roadmap🛣️is here - on Trello!

As we’re in beta, it’s live so we’re going to be continually update it. :paintbrush:

Let us know what you think in comments or on the forum :speech_balloon:

What’s missing? What would you like to see in future releases? :crystal_ball:

nb: this roadmap is subject to receiving our full banking licence (ADI) :bank:


Hey @T_Armer,
Nice to hear from you. Taking those in turn :roller_coaster:

Releases will be a matter of weeks. :biking_man::biking_woman:

No we haven’t launched bank accounts yet. We have to have our full banking license (ADI) to launch them. Yes we are releasing to lucky employees first for testing first.

Stashes :honey_pot: will be a key feature although there are many features we’re excited to show you

Any other questions, let us know.

Thanks for your continued support - we’re glad you’re on board the Xinja train with us. :bullettrain_side:


Can I just say this is both a) super exciting and b) super awesomely transparent.

It’s what I hoped Xinja would be.

Unafraid of competitors, open with it’s investors and customers, and hard charging.

Hats off team. :heart_eyes:


Thanks for the kind words & encouragement @weeksy_j :raised_hands:

1 Like

Looking forward to ditching Big 4!

Just wondering if API access for apps like Pocketbook or Mint has been considered on the roadmap?


Awesome work guys!
Will certainly be emailing soon to sign up for an account!


Hey @lylegowers,
:+1:Welcome to the forum - with a great question ! :face_with_monocle:

Once we open our APIs, these integrations will become possible. We haven’t put this on the roadmap :railway_track: yet as we’re not sure when, but it will be added. We haven’t decided on specific integrations as yet but we’ll add those to the roadmap too as we do.

Any other questions, let us know :speech_balloon:


1 Like

Love the transparency.

To be honest, it is a little difficult to visualise what this all means.

Feels like most of this is BAU type stuff that all the Big 4 currently offer.

I’m most interested in the tools that will help people manage their money better and potentially be a reason for people to switch to Xinja as their primary bank.


As someone who has worked in this industry previously, I understand why you would classify this as beta. However, given you’re providing this update to investors and current users, it’s very confusing to classify a non-public release as beta. Any chance you guys can classify this as alpha or something else for clarity?

1 Like

Hey @lilmeh
:+1:Nice to hear from you & thanks for your views on beta vs alpha! A big bang :boom:release of everything all at once carries an amount of technology and implementation risk. So we made the call to go conservative, start off small and start to iterate and develop rapidly from there.

It’s worth noting the very successful Monzo over in the UK stayed in beta for a long time, whilst they brought a number features on. It’s also common practice for tech/software companies to always be in beta. At Xinja, we’re not finished, and will always be iterating, adding new features as we go. We have made the decision to get a bank account release in-market quickly, garner feedback & continually improve our product with our customers & build on it as we go. Therefore the bank account is in beta & will be in beta for a while. For these reasons, we will not be classifying the bank account as alpha.

Let us know if you have any other feedback or questions,

Hey @Azzy

I’m Otara the new content and community manager :slight_smile: Nice to meet you.

A big bang release of everything all at once carries an amount of technology and implementation risk. So we made the call to go conservative, start off small and start to iterate and develop rapidly from there.

This roadmap is over a fairly short time frame and releases will be a matter of weeks. We will be building in some cool features that nudge you toward better financial decisions. We haven’t put these on the roadmap yet as we’re still working through what these are. Do keep an eye on the roadmap as it’s a live roadmap & we will be adding features as we go.

In the meantime, if you have any specific ideas on what would help you make more out of your money, we’d love to hear them.


1 Like

Hi guys, like I said previously, I understand how you guys classified it and the reasons behind it.
However, from a customer’s point of view, it’s not a public beta release until it’s actually released to a subset of the public/your customers (where from a customer’s point of view, your internal employees are not). Hope this makes a bit more sense.

I think all neo banks are on board with the idea of notifications for purchases with a running tally, or update, of your account balance.

What I’m interested in is a notification that not only tells you your balance, it helps you move money around. The biggest slowdown I’ve noticed with online banking is people stuck in queues saying ‘Ah, sorry, I need to shift some money across’ and everybody in the queue waits while they open their app and begging selecting account and amounts etc.

So what if you get a notification that triggers at a preset amount, determined by you, and says ‘Your spending account has moved below $35. Would you like to shift some money across from your savings?’ The account it would shift money from and the amount would also be preset by you, maybe in settings maybe in the savings account screen itself.

The point is all about speed and efficiency. When your in the queue, you don’t want to be doing a deep dive into the app. A notification that is all setup, one tap and it moves $20 from savings to spending. I’m all for people being more into their spending and studying their habits but there is a time and a place.

When your at the shops, you want to be able to do what you need to do quickly and banking straight from the notification shade would improve speed and efficiency for everyone, the shopkeeper, the shopper and the people in the queue.


Hey @David_Langham - and welcome! Bingo. We have been looking at this specifically. Notifications will be simple to begin with but what we want to get to is different settings for customers on this quickly so you can say ‘tell me when I spend over a certain amount’ or ‘tell me when I get credited’ or ‘tell me when I get credited over a certain amount’ etc. And one of these is ‘tell me when my account falls below a certain amount’ & that’s the point where a prompt like this comes in and as you say - should be a swipe to action instantly. Brett King talks about being prompted automaticallly when you walk into the supermarket and there’s not enough in your account to cover what you normally spend at the supermarket…that’s getting a bit creepy for some, but the point is we’ve all had that ‘card declined please wait for me’ experience and it sucks!


I probably would find the supermarket one a little bit too much but I love that you’re on the same page with notifications.

As much as I love the idea of a banking platform that can be tweaked to suit anyone’s individual needs, what has really sold me on Xinja is your level of engagement. It’s crazy to me, I’ve spoken more with the staff at this bank that I have at any other bank, and I’m not even a member yet.

As soon as you have a bank account, I’ll definitely jump on board and you should know it’s mainly because of how responsive you’ve all been.


Just had a look at the features for release 2.
They all seem pretty independent from each other. Why not do lots of smaller releases? Thus you give value to the customer earlier and you get feedback faster?
Love the transparency by the way!

1 Like

Hey Darren - and welcome!

So this this roadmap is over a fairly short time frame and releases will be a matter of weeks, so customers shouldn’t have to wait too long regardless!

Good point. There’s actually a lot of microfeatures not listed (sort of subsets or others and improvements on existing) and generally we’ll be releasing every 2 weeks at a minimum - plan to get into this kind of flow and typically iterate/extend features release by release where relevant. When we’ve done the first couple of releases we’ll be in a position to update the roadmap, so we’ll keep this dynamic and get more micro as we go so people can see the pipeline evolve and in more detail. :grin:

Is the roadmap Trello board being kept up-to-date by any chance?

Mostly just hoping that BPAY isn’t as far off as it would seem by looking at it :laughing:


Hi @propoke24 - BPAY is in the third wave but hard to say exactly which release it’ll be in - we’re releasing every 2 weeks at least for the forseeable futures - some features have their own release so it’s more like weekly. We’re still updating roadmap so will post again when done. Thanks!


Just having a re-read through this thread. The commitment was clearly only weeks between releases. We are now well into December so it’s been months since the full licence.

It seems like now would be a really good time to update the roadmap and level with customers and shareholders on progress. What has been the roadblocks and learnings, why are things taking so much longer than planned.

Also a realistic timeframes on homeloans, personal lending and some actual differentiated features all that have been promised. I think people will be understanding if you are honest.

1 Like