Australia vs UK Fintechs - which bank?

Hi all! I’m relocating with work and making the move down-under in the New Year (If the place hasn’t burnt to the ground by then :neutral_face: )… Let’s hope the Aussies get some respite.

Does anyone have any experience with the latest banks in Australia? Looking online it looks like the best two might be Xinja or Up? Monzo is now my main bank in the UK so I was wondering if either does well in comparison as some of the features will be sorely missed if I have to go back to legacy banking.

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