CoinJar review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CoinJar suits people who want a crypto exchange and a prepaid spending card in one place, and the card itself costs nothing to hold at AUD 0. Spending abroad is the weak spot, because conversion runs at 2.99% against a site median of 1%.
Key facts
- Best for
- Spending crypto in everyday shops through one custodial exchange account.
- Monthly fee
- A$0↗
- Currency conversion fee
- 2.99%↗
- Card type
- Prepaid↗
- Top-up fee
- 0% (no pre-loading; card spends directly from CoinJar account balance)↗
- Cashback rate
- 1%↗
- Card network
- Mastercard↗
- Custody
- Custodial↗
- Legal entity
- CoinJar Europe Limited↗
- Headquarters
- Ireland↗
- Founded
- 2013↗
- Support channels
- Email, Help-centre↗
- Features
- Crypto, Custodial
- Audience
- Business
- Official website
- coinjar.com
Crypto exchanges
- Taker fee
- 0.1%↗
- Coins listed
- 45↗
- Regulators
- Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI)↗
- Fiat deposit methods
- Card, Bank, SEPA, Apple-pay↗
- Maker fee
- 0.1%↗
- Proof of reserves
- Yes↗
- Withdrawal fee
- Dynamic fee for crypto withdrawals to external addresses; no fee for AUD bank transfer or PayPal withdrawals↗
- Exchange type
- Cex↗
Crypto wallets
Facts checked September 26, 2026, 12 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Card fees of AUD 0 keep holding the card free, and the top-up fee is charged at nothing because there is no pre-loading, the card spends straight from the CoinJar account balance
- Crypto rewards pay 1% cashback on card spend
- Fiat money arrives by card, bank and sepa
- The exchange runs maker and taker fees of 0.1% and covers 45
Cons
- Conversion costs 2.99% on the card, above the site median of 1%
- Crypto moves to external addresses carry a dynamic fee, while AUD bank transfer and PayPal withdrawals cost nothing
- Support runs on email and help centre only
Who it suits
- People already holding crypto who want a prepaid Mastercard for shop spending
- Business users, as CoinJar lists business as its audience
- Anyone who wants a custodial setup with proof of reserves
Who should look elsewhere
- Wise or bunq, if low conversion fees on everyday spending matter more than crypto rewards
- Self-custody users, because CoinJar holds coins for you under custodial
- Varo Believe Secured Credit Card, which is a credit card rather than a prepaid card
Safety of your money
CoinJar is custodial: it holds the coins, so custody runs through the company rather than a wallet of your own. The European entity is registered with the Central Bank of Ireland under licence MiCA CASP 98450066Q3A1G1A4T786, alongside AUSTRAC in Australia and the Financial Conduct Authority for AML purposes in the UK. Proof of reserves is published, which lets you check that assets back customer balances.
Fees and currency costs
The card carries a monthly fee of AUD 0. There is no pre-loading step, so the top-up fee is charged at nothing and card spending draws straight on your CoinJar account balance. Trading costs 0.1% to take an order off the order book and 0.1% to add one. The one real cost is currency conversion on the card at 2.99%, against a site median of 1%.
How CoinJar compares
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8.7 vs 9.4
8.7 vs 8.7
8.7 vs 9.3
8.7 vs 8.9
8.7 vs 8.6
8.7 vs 9.2
8.7 vs 8.4
8.7 vs 8.5
8.7 vs 8.8
8.7 vs 9.0
8.7 vs 8.6
8.7 vs 8.3
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
CoinJar vs Coinbase Card8.7 vs 9.0
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.9
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8.7 vs 8.4
8.7 vs 8.0- 8.7 vs 8.0
Where CoinJar is available
- Available
- Australia, Germany, Ireland, United Kingdom, United States
- Licence in Australia
- AUSTRAC (Australian Transaction Reports and Analysis Centre), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (UK), for AML purposes, checked September 26, 2026
- Licence in Ireland
- Central Bank of Ireland (CBI) (MiCA CASP 98450066Q3A1G1A4T786), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the CoinJar Card cost to hold?+
The monthly fee is AUD 0. There is no pre-loading, so the top-up fee is charged at nothing and the card spends directly from your CoinJar account balance. The card runs on the mastercard network, so it is prepaid rather than a credit card.
How much does it cost to convert currency on the card?+
Conversion costs 2.99%. That sits above the site median of 1%, and CoinJar ranks 218 of 258 brands on this measure. Readers who convert often should weigh that gap against the 1% cashback on card spend.
What are the trading fees on the exchange?+
Taker fees are 0.1% and maker fees are 0.1%. The site median taker fee is 0.25%, with a spread from 0.1% to 0.6% across the brands listed.
How do I get money into CoinJar?+
Fiat deposits run through card, bank and sepa. Bank transfer is the common route, and the mobile app also handles the top-up without a separate pre-loading step, so no top-up fee applies.
Who holds my crypto?+
CoinJar is custodial, meaning the company holds the coins on your behalf rather than you holding the keys yourself. Proof of reserves is published, and the European entity sits under licence MiCA CASP 98450066Q3A1G1A4T786 with the Central Bank of Ireland.
Which regulators supervise CoinJar?+
The listed regulators are Central Bank of Ireland, Financial Conduct Authority (UK) and FinCEN (US), covering Australia, the UK and Ireland. In Ireland the entity operates under licence MiCA CASP 98450066Q3A1G1A4T786, and the UK registration is stated as being for AML purposes.
Which coins can I trade?+
The exchange lists 45, and the wallet supports 45. The site median for coins listed is 71.5, so coverage sits below the middle of the market.
What support can I get?+
Support runs on email and help centre, so help is by email or through the help centre. There is no phone or live chat line listed, which matters if a card payment is stuck at a till.
Sources
- coingecko.com/en/exchanges/coinjar checked September 26, 2026
Backs: Coins listed, Founded, Coins supported
“id=coinjar; coins=45; pairs=138”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=IE”
- support.coinjar.com/hc/en-au/articles/4403702613529-CoinJ... checked September 26, 2026
Backs: Currency conversion fee, Monthly fee
“Foreign transaction +2.99% - Transactions made in a currency other than Australian dollars will be subject to the current Mastercard exchange rate plus a 2.99% foreign exchange fee.”
- support.coinjar.com/hc/en-au/articles/4404139564697-Intro... checked September 26, 2026
Backs: Card type, Top-up fee
“CoinJar Card is a prepaid cryptocurrency Mastercard, powered by CoinJar.”
- coinjar.com checked September 26, 2026
Backs: Audience, Custody
“Institutional-grade crypto solutions - Powerful products and services designed for institutions, market makers and finance professionals from Australia's longest-running cryptocurrency exchange.”
- coinjar.com/au/card checked September 26, 2026
Backs: Cashback rate, Features, Card network
“In-store and online purchase 1% (returned in Rewards points) ... For each $1 you spend you'll earn 1 CoinJar Rewards point.”
- coinjar.com/au/enquiries checked September 26, 2026
Backs: Support channels
“General and support enquiries support@coinjar.com”
- coinjar.com/au/exchange checked September 26, 2026
Backs: Maker fee, Proof of reserves, Taker fee
“CoinJar Exchange: Crypto / AUD, USD, GBP Trading Pairs (30-Day Trading Volume) Maker Fee $0 - $100,000 0.10%”
- coinjar.com/au/fees checked September 26, 2026
Backs: Wallet type, Withdrawal fee
“Get the CoinJar app on iOS or Android.”
- coinjar.com/au/legal checked September 26, 2026
Backs: Exchange type
“CoinJar acts as principal at all times. Despite the use of the terms "order book" and "exchange" in these terms and on the Website, CoinJar is the counterparty to all trades that you enter into on...”
- coinjar.com/ie checked September 26, 2026
Backs: Fiat deposit methods, Regulators
“Buy cryptocurrency using Visa or Mastercard, Apple Pay or Google Pay, or deposit Euro by bank transfer using SEPA.”
- coinjar.com/ie/legal checked September 26, 2026
Backs: Price
“This service is provided at no additional charge”
Compiled from 12 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.