33 reviews
Content rating
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About this app

Binji the most complete personal finance solution and includes a proprietary digital display debit Mastercard that’s supported by app-based banking. Featuring the ability to sync and fund from up to 24 credit and debit cards, the Binji Card works in tandem with a companion app to essentially create an operating system for your money, providing everyone with more access and control in their financial lives.


All aspects of Binji are designed to streamline financial tasks and to be easy for everyone to use.

Binji Makes Life Easier with Cutting-Edge Technology. To thrive in today’s digital age, the Binji Digital Display Mastercard and App leverage advanced technology to free users from financial management limitations.

The duo’s top benefits include:

- Card Consolidation: The Binji Card can store up to 24 third-party debit or credit cards to be used as funding sources to your Binji Account so it can serve as the only physical card you need to have with you to shop in-store and online.

- Digital Display Screen: Binji Card’s digital display screen shows the current balance of your Binji Account, the last four digits of the selected funding source, and a four character “nickname” for fast identification.

- Easy To Use: Consumers select their funding source by using Binji’s two-button interface to scroll through synced accounts. Once selected, the user simply holds the down arrow button to initiate the transfer of funds from any synced debit or credit card to their Binji Account.

- Save Money: The Binji App is free to download. Eliminates monthly and overdraft fees. Binji Accounts are FDIC insured up to $250,000 and provide access to over 35,000 fee-free ATMs.

- Advanced Security: The Binji Card transmits information through its secure, cloud-based processing engine. Credit and debit card information is immediately encrypted in a secure token vault to protect user information. If lost or stolen, Binji Card transactions can be turned off immediately via the Binji App.

Binji Provides Access to Money in the Digital Age Where Others Don’t. Binji’s unique operating system for money offers users the most complete way to take control of their personal finances, when and where it's convenient for them.

The platforms key features include:

- Direct Deposit: Binji Spending Accounts are direct deposit-ready and each has a unique account and routing number.

- Early Access to Paychecks: Users who enroll in Binji direct deposit get access to their money up to two days earlier than what’s offered by traditional banks.

- Peer-To-Peer Payments: Instantly pay, receive and request money from friends with Binji’s P2P payments service. Unlike other services, you can use these funds immediately from your Binji Card without having to transfer to a third-party bank.

- Accepted Worldwide: Binji Card can be swiped or dipped into any point-of-sale machine that accepts debit Mastercard and can even be used internationally.

- Battery Life: On average, Binji Card’s battery lasts up to three years, which will typically cover the lifespan of the card from issue through the expiration date.

- Bluetooth Connectivity: The Binji Card and App communicate via smartphone Bluetooth connection so you can add and select funding sources on the go.
Updated on
Dec 29, 2019

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Ratings and reviews

32 reviews
A Google user
June 7, 2019
Initially I was stuck on the credit card consolidation idea, which Binji doesn't really do particularly well because of not having on the fly funding (the account must have a balance to cover the cost before swiping). But after some thought, this could be compared more to Plastiq with an account number and card. Had to edit my review after realizing the applications.
2 people found this review helpful
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A Google user
May 21, 2019
Binji is a great card and service. I've been super impressed & excited using this card and service. I don't think people realize that's is basically a whole online credit union/bank account. You have direct deposit access, which is rare in competitive service like Cash app. You have quick access direct deposit information in the app, easier than my bank account, which I can only find via having a check; you can do more secure and trust worthy P2P (peer-to-peer) transfers with usernames just like cash app; you can fund your card just like PayPal & the late Google Wallet card. Definitely an evolved Google Wallet. It's a one-stop shop card and app. Using the card you can check your Binji balance, as well as fund your Binji funding account with up to 24 debit and/or credit cards from your Binji card. No monthly fees, overdraft fees, & free ATM banking. Another great thing is purchases are specific, instead of codes and numbers for transaction and often codes and numbers that trail off to the abbreviated businesses name, Binji gives you the name of the business, so you can truly keep up with your purchase history, which I don't have the same liberty with my current credit union.
4 people found this review helpful
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A Google user
June 12, 2019
I never for any apps but I feel this one deserves my attention. First of allwhen you call customer service you get transferred to India. They do not have no access to the account at all and all they ever do is put a support. Support takes about 3 to 4 business days to get back to you. By that time you're already so with the BS that you're dealing with. First I had a problem syncing the card. The app is broken. Then after I finally sync the card I wasn't able to create an account. I had to use my iPhone to make the account. Finally after 2 and 1/2 of myself figuring out the card. It came time to add a card to my account. Put in all the information then I proceeded to make 2 microtransactions to the account I was trying to link. Two you say? I wish that was the case only one charge was made to account that I was trying to link. When attempting to link the card again I wasn't able to due to my account being blocked from linking a card for the next 24 hours. If this company a serious they got to get this together. I should have known when Ryan the CEO of a failed company plastic was behind. Buyer beware waste of money I wouldn't even bother funding. God forbid you have an issue with call center in India can't help you
7 people found this review helpful
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What's new

Bug fixes and performance improvements.