Xinja's Transfer Process
Xinja currently relies on the 'Direct Entry' transfer processes that all banks utilise.
This means that transfers will take 1 to 3 business days, although most times they go in overnight!
Now for a little more info on how this process works!
We send and receive deposit instructions 5 times per day on business days.
These payments are sent in 'Batches' along with all of the other payments the bank is sending or receiving at that time of day.
What Times Are Payments Made And Received?
In-bound and out-bound payments are processed 5 times each day
Outbound times are between:
9.00am to 7:30pm
In-Bound times are between:
11:00am to 10:00pm
When Will I See My Payment In The App?
Depending on the time of day that a payment is made, your funds may not be processed until the next business day. Xinja processes the last inbound direct entry file at 22:00 each night and will make your funds available as soon as it's received.
If you haven't seen your funds by this time, it means the sending bank didn't include your payment in their last outbound batch and it will get processed on the next business day. Our first inbound file is processed at 10:50 each business day.
Important Note: While payments typically happen overnight on business days, it can take 1-3 business days due to a variety of factors - if you are concerned about the amount of time a transfer is taking, please get in touch via in-app chat or with the contact us details below.