https://www.apra.gov.au/register-of-authorised-deposit-takin...

https://www.apra.gov.au/sites/default/files/xinja_bank_adi_a...

https://help.xinja.com.au/hc/en-us/categories/360000115672-B...

https://xinja.com.au/bankaccount-terms-and-conditions/

Their app: iOS, Android.

2.25% up to $245 000. No conditions other than a transaction every 12 months.

Their FAQ mentions tiered interest, but there's nothing suggesting Stash has tiered interest.

No NPP, no BPay.

Apple and Google Pay supported. No mention of others.

Cash and cheques not supported (and probably never will).

They don't seem to have an internet banking portal, you can only manage via their mobile app.

$245 000 is the maximum balance across both accounts. Their Ts&Cs say "If a payment (such as the deposit of your salary) would push the total combined balance across your Xinja Accounts over $245,000, we will contact so that you can tell us where to transfer the excess balance."

They will close your account if there have been no transactions for 12 months. Closing the transaction account will also close the Stash savings account. See 2nd sub heading under "9. Closing your account" in Ts&Cs.

You can transfer money IN directly, but funds have to go out via their bundled transaction account.

Could be a reasonable alternative to people parking money in BoQ Fast Track accounts (their 5 transaction condition starts from the 1st of February). Otherwise, it is pretty bare bones for everyday use and only viable for people with a high tolerance to "early access syndrome". Under 25s also have Greater Bank's 2.35%.

They also have a public Trello board. Referral rewards are listed for Q1 2020 (if you care about that sort of thing), NPP and BPay for Q2.