CoinJar review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Spending crypto day to day on a card with no monthly charge.
- 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
- 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
- The card runs on the mastercard network
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 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
How your money is protected
CoinJar holds customer balances in custodial custody, so the keys sit with the platform rather than with you and the balance depends on the provider staying in business. The Irish operation is registered with the Central Bank of Ireland as a crypto asset service provider, licence MiCA CASP 98450066Q3A1G1A4T786, which sets the rules for how that entity must handle client assets.
The company behind it
CoinJar Europe Limited is the operating entity, based in Ireland, and the group was founded in 2013. It is registered with the Central Bank of Ireland as a crypto asset service provider, licence MiCA CASP 98450066Q3A1G1A4T786. Support runs on email and help centre, so questions are handled by email or through the help centre.
How CoinJar compares
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CoinJar vs eToro8.8 vs 9.6
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8.8 vs 9.1A crypto card with a monthly fee of €0, the closer comparison on crypto card costs.
8.8 vs 8.9
8.8 vs 8.1
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CoinJar vs Kraken8.8 vs 9.4
CoinJar vs Wirex8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
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
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.
How many coins can I buy on CoinJar?+
CoinJar lists 45 coins, a shorter list than most, since the site median is 62. Trading runs on a centralised exchange, cex, and the wallet is a mobile app in custodial custody, so CoinJar holds the keys.
How is my money protected?+
Balances sit with CoinJar in custodial custody rather than in a wallet you control. The Irish entity is registered with the Central Bank of Ireland as a crypto asset service provider, licence MiCA CASP 98450066Q3A1G1A4T786, and the exchange also publishes proof of reserves.
How do I add money to my CoinJar account?+
Funding runs through card, bank and sepa, which lists the accepted routes for adding money to the account. Deposits land in the same balance used for trading and card spend, because the card draws on the CoinJar account rather than a pre-loaded card balance.
What does it cost to take money out?+
Crypto withdrawals to external addresses carry a dynamic fee that changes with the coin and the network. By contrast, AUD bank transfer and PayPal withdrawals are free, so taking fiat out of the account adds nothing to the cost.
What support is there if something goes wrong?+
Support runs on email and help centre, so questions are handled by email or through the help centre. There is no phone line in that list, which means urgent account issues have to be dealt with through written channels.
Who runs CoinJar and who is the card built for?+
The operating entity is CoinJar Europe Limited, based in Ireland, and the group was founded in 2013. CoinJar targets business customers too, so the card suits companies paying suppliers from a crypto balance as well as individual spenders.
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.