Updated September 28, 2026 · HodlCue Editorial Team
COCA Card vs CoinJar
COCA Card
Higher score in this comparison
CoinJar
COCA Card vs CoinJar: the differences
| Compare | COCA CardReviewVisitVisit | CoinJarReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | A$0 |
| Currency conversion fee | 0%Lower | 2.99% |
| Card type | Debit | Prepaid |
| Cashback rate | 8%Higher | 1% |
| Card network | Visa | Mastercard |
| Custody | Self custody | Custodial |
| Free ATM withdrawals | $250 | Not confirmed |
| Top-up fee | Not confirmed | 0% (no pre-loading; card spends directly from CoinJar account balance) |
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Key differences
- COCA Card scores higher overall: 9.4 vs 8.8.
- COCA Card is available in 47 more countries.
- Currency conversion fee is lower at COCA Card: 0% vs 2.99%.
- Cashback rate is higher at COCA Card: 8% vs 1%.
- Support channels: only COCA Card offers Community.
- Support channels: only CoinJar offers Email.
- Features: only COCA Card offers Virtual card, Self custody, Travel.
- Features: only CoinJar offers Custodial.
Our verdict on each
COCA Card
COCA Card suits crypto holders who want their balance to earn while they spend, rather than traders chasing exchange rebates. The monthly fee of €0, a currency conversion fee of 0% and cashback of 8% make everyday use cheap, though help centre and community is thin for anyone who wants to call.
CoinJar
CoinJar is a custodial crypto exchange with a prepaid card, so it suits people who spend crypto as they go rather than trade heavily or hold their own keys. The card costs AUD 0 a month, trading costs 0.1% a trade and 45 coins are listed.
Score breakdown
| Area | COCA Card | CoinJar |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and currency conversion fee of 0%, plus $250 in free ATM withdrawals. | 8.8Conversion is the weak point: 2.99% on card spend against a site median of 1%, while trading costs 0.1%. |
| Offer | 9.5HigherCashback of 8% and a balance yield of 5% across Bitcoin, Ethereum and Solana, plus a recovery-service backup option. | 8.8 |
| Trust | Not confirmed | 8.7 |
Where each is licensed and available
| Country | COCA Card | CoinJar |
|---|---|---|
| Australia | Not confirmed | |
| Ireland | Not confirmed | Central Bank of Ireland (CBI) MiCA CASP 98450066Q3A1G1A4T786 |
| United Kingdom | Not confirmed |
Available in 4 countries for both. Additional countries for COCA Card: 48. Additional countries for CoinJar: 1.
How they place
| Ranking | COCA Card | CoinJar |
|---|---|---|
| Crypto wallets | 1 of 156 | 13 of 156 |
| Crypto debit cards | 1 of 145 | 21 of 145 |
Every fact side by side
| Fact | COCA Card | CoinJar |
|---|---|---|
| Features | Crypto, Virtual card, Self custody, Travel | Crypto, Custodial |
| Audience | Not confirmed | Business |
| Legal entity | CCA Labs - FZCO | CoinJar Europe Limited |
| Headquarters | United Arab Emirates | Ireland |
| Founded | Not confirmed | 2013 |
| Support channels | Help centre, Community | Email, Help centre |
Crypto wallets
| Fact | COCA Card | CoinJar |
|---|---|---|
| Wallet type | Mobile | Mobile |
| Price | $0 to $5 | €0 |
| Coins supported | Not confirmed | 45 |
| Backup options | Recovery service | Not confirmed |
Crypto earn
| Fact | COCA Card | CoinJar |
|---|---|---|
| Yield | 5% | Not confirmed |
| Supported assets | Bitcoin, Ethereum, Solana | Not confirmed |
| Lock-up terms | No lockups | Not confirmed |
| Regulators | Not confirmed | Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI) |
| Proof of reserves | Not confirmed | Yes |
Crypto exchanges
| Fact | COCA Card | CoinJar |
|---|---|---|
| Taker fee | Not confirmed | 0.1% |
| Coins listed | Not confirmed | 45 |
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, Apple pay |
| Maker fee | Not confirmed | 0.1% |
| Withdrawal fee | Not confirmed | Dynamic fee for crypto withdrawals to external addresses; no fee for AUD bank transfer or PayPal withdrawals |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | COCA Card | CoinJar | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 2.99%highest quarter | 0.25% |
| Free ATM withdrawals | $250highest quarter | Not confirmed | $0 |
| Cashback rate | 8%highest quarter | 1%lowest quarter | 2% |
Median across 58 listed providers.
Pros and cons
COCA Card
Pros
- A monthly fee of €0 and a currency conversion fee of 0% make the card cheap to hold and to spend abroad.
- Cashback of 8% pays on card spend, and a balance yield of 5% pays on top of it.
- Custody is self custody, so keys stay with the account holder rather than a third party.
Cons
- Support runs on help centre and community only, so there is no direct line for account problems.
- Coverage is limited to Bitcoin, Ethereum and Solana, a small list next to rivals.
- Free ATM withdrawals of $250 sit below the median of €0 across the brands listed here.
CoinJar
Pros
- Cashback of 1% on every card purchase
- Trading costs 0.1% a trade, under the site median of 0.2%
- Top-ups are free and card spend draws on the CoinJar balance
Cons
- Conversion on card spend is 2.99%, above the site median of 1%
- Only 45 coins are listed, against a site median of 62
- Support runs on email and help centre only
Who each suits
COCA Card
Who it suits
- Crypto holders who already keep funds in self-custody and want a card attached to that balance
- Anyone who spends in several currencies and wants a currency conversion fee of 0%
- Savers who want a yield of 5% on a balance they can still spend
Who should look elsewhere
- Travelers who need a large free ATM allowance, where Wise is a better fit
- People who want to reach a person quickly, since Wise offers more support channels
- Buyers who need a long list of assets, where this card covers Bitcoin, Ethereum and Solana only
CoinJar
Who it suits
- People who want a crypto card with no monthly charge and cashback on spend
- Businesses paying suppliers from a crypto balance, the audience CoinJar targets
- Custodial beginners who would rather not hold their own keys
Who should look elsewhere
- Wise, when a low conversion charge matters more than spending crypto
- Bitpanda, for a euro-based crypto card at a monthly fee of €0
- Monzo Flex, for everyday banking at a monthly fee of £0
Current offers
COCA Card
CoinJar
Current offer
Bonus
Free physical CoinJar Card: $0 card issuance (digital and physical)
Card issuance fee is $0 for digital and physical CoinJar Card; a 1% purchase fee applies and is returned as CoinJar Rewards points; card available in Australia only
Source, checked September 26, 2026
Country by country
| Country | COCA Card | CoinJar |
|---|---|---|
| Andorra | Yes | No |
| Argentina | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Chile | Yes | No |
| Colombia | Yes | No |
8 of 53 countries where either is available.
Questions about each
COCA Card
Is there a monthly fee for the COCA Card?+
No. The banking account behind the card carries a monthly fee of €0, so holding it costs nothing each month. Currency conversion is charged at 0%, and card spend earns cashback of 8%. The account is a mobile wallet, so there is no separate software to buy or download.
What is the cashback rate and what does it pay on?+
Card spend earns cashback of 8%. That sits on top of a balance yield of 5%, so the money can earn while it is held and still be spent through the card. Lock-up terms are No lockups, so the balance can be moved or withdrawn without waiting out a term.
CoinJar
How much does the CoinJar card cost to hold and to use?+
The card has a monthly fee of AUD 0, so keeping it open costs nothing. Currency conversion on card spend is 2.99%, and card spend earns cashback of 1%. Top-ups are free, and spend comes straight from your CoinJar balance.
What do trades cost on CoinJar?+
Taker fees are 0.1% and maker fees are 0.1%, so the gap between the two sides is small. The site median taker fee is 0.2%, which places CoinJar below the middle of the exchanges compared here.
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