Xinja was established to do what’s right for customers - part of this involves ethical investing. Xinja is not a bank yet and as such we are not doing any direct investing. However, when we do become a bank (subject to our receiving a licence :-)) we will certainly follow a policy of only directly investing in sustainable and socially responsible companies - for example we will not directly invest in either fossil fuels, or the tobacco industry. However, mostly any funds we do have will be used to lend to our customers as home loans. At the moment, our partner Indue Ltd (who is an Authorised Deposit-taking Institution) holds the funds on the Xinja prepaid card. As such, we do not control how Indue invests those funds. It gets trickier when we start to discuss indirect investment. Even as a bank we couldn't guarantee that all indirect investments follow our own ethical investing policy, i.e what a bank we put money with invests in, or in turn what that investment invests in. What we can say however is that we will never knowingly invest in companies that are not socially responsible.