Updated September 29, 2026 · HodlCue Editorial Team
CoinJar vs eToro
CoinJar
eToro
Higher score in this comparison
What sets them apart
| Compare | CoinJarReviewVisitVisit | eToroReviewVisitVisit |
|---|---|---|
| Taker fee | 0.1%Lower | 1% |
| Coins listed | 45 | from 150 |
| Regulators | Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI) | Cyprus Securities and Exchange Commission (CySEC), SIPC |
| Fiat deposit methods | Card, Bank, SEPA, Apple payCovers more | Card, Bank |
| Withdrawal fee | Dynamic fee for crypto withdrawals to external addresses; no fee for AUD bank transfer or PayPal withdrawals | $5 flat fee |
| Maker fee | 0.1% | Not confirmed |
| Proof of reserves | Yes | Not confirmed |
| Derivatives | Not confirmed | Yes |
Same on both: Exchange type (Cex).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- eToro scores higher overall: 9.0 vs 8.8.
- Regulators: only CoinJar offers Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US).
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Founded is lower at eToro: 2007 vs 2013.
- CoinJar is licensed in 1 more country.
- Taker fee is lower at CoinJar: 0.1% vs 1%.
- Fiat deposit methods: only CoinJar offers SEPA, Apple pay.
- Support channels: only CoinJar offers Email.
- Features: only CoinJar offers Crypto.
- Features: only eToro offers Staking.
Our verdict on each
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.
eToro
eToro suits readers who want a long-established custodial exchange with a CySEC licence and a broad coin list. Trading costs tell the other story: a taker fee of 1% is well above the 0.2% site median, and withdrawals add $5 flat fee.
Score breakdown
| Area | CoinJar | eToro |
|---|---|---|
| Cost | 8.8HigherConversion is the weak point: 2.99% on card spend against a site median of 1%, while trading costs 0.1%. | 8.2Taker fees of 1% sit well above the 0.2% site median, and withdrawals cost $5 flat fee on top. |
| Offer | 8.8 | 9.0Higher |
| Trust | 8.7 | 9.6Higher |
What each covers
| Fiat deposit methods | CoinJar | eToro |
|---|---|---|
| Card | Yes | Yes |
| Bank | Yes | Yes |
| SEPA | Yes | No |
| Apple pay | Yes | No |
What it costs in practice
Buy 1,000 of crypto and sell it again
CoinJar
2
0.1% of 2,000
eToro
20
1% of 2,000
CoinJar comes out 18 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | CoinJar | eToro |
|---|---|---|
| Where to buy crypto | 15 of 177 | 2 of 177 |
Availability and regulation
| Country | CoinJar | eToro |
|---|---|---|
| Australia | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 |
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 98450066Q3A1G1A4T786 | Not confirmed |
| United Kingdom | Not confirmed | |
| United States | Not confirmed | SIPC SIPC member 70212 |
Every fact side by side
| Fact | CoinJar | eToro |
|---|---|---|
| Features | Crypto, Custodial | Custodial, Staking |
| Legal entity | CoinJar Europe Limited | eToro (Europe) Ltd |
| Headquarters | Ireland | Cyprus |
| Founded | 2013 | 2007Lower |
| Support channels | Email, Help centreCovers more | Help centre |
Crypto wallets
| Fact | CoinJar | eToro |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | €0 | Not confirmed |
| Custody | Custodial | Not confirmed |
| Coins supported | 45 | Not confirmed |
Where each stands against the rest
| Fact | CoinJar | eToro | Median |
|---|---|---|---|
| Taker fee | 0.1%below the median | 1%highest quarter | 0.15% |
| Coins listed | 45below the median | from 150above the median | 76 |
| Maker fee | 0.1%at the median | Not confirmed | 0.1% |
Median across 219 listed providers.
Pros and cons
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
eToro
Pros
- Regulated in Cyprus by the Cyprus Securities and Exchange Commission (CySEC) under MiCA CASP 213800GIFQMSV7HROS23 and a member of SIPC under SIPC member 70212
- A coin list of from 150 sits well above the 62 site median
- Fiat deposits run through card and bank, so funding works without a crypto transfer first
Cons
- A taker fee of 1% is far above the 0.2% site median and above 0% at ActivTrades
- Withdrawals cost $5 flat fee, which adds to every round trip
- Support runs on help centre only, with no live channel listed
Who each suits
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
eToro
Who it suits
- Readers who want a supervised custodian and a licence to point to
- Buyers who fund with a card or a bank transfer rather than a crypto transfer
- Long-term holders who want staking alongside a broad coin list
Who should look elsewhere
- Active traders, since 0% at ActivTrades costs nothing to take liquidity
- Readers hunting the lowest taker fee, where bunq charges fees of 0.25% to 1.99%
- Anyone holding coins themselves, because custody here is custodial per custodial and staking
Current offers
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 | CoinJar | eToro |
|---|---|---|
| Australia | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| United Kingdom | Yes | No |
| United States | Yes | No |
Questions about each
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.
eToro
What does eToro charge to trade?+
Trading fees are 1%, which is a full percentage on each trade. That reads high next to the 0.2% site median and next to bunq, which charges fees of 0.25% to 1.99%. Frequent traders pay that rate repeatedly, so it is the number to check first.
What does it cost to withdraw crypto?+
Withdrawals carry a fee of $5 flat fee. That sits on top of the 1% trading fee, so the full cost of a buy and a sell includes both. Anyone moving coins in and out regularly should add that withdrawal cost to the trading rate before choosing.