How long will it take Xinja to return my funds? Updated December 15, 2020 20:39 Once you have transferred your funds via the app it can take up to 3 days to appear in your nominated external bank account. Related articles Is Xinja insolvent/unable to pay its debts? Why is Xinja returning my deposit? How do I close my account? How do I get my money back? What happens to money coming into or direct debits out of my account?