Updated September 29, 2026 · HodlCue Editorial Team
CoinJar vs eToro
CoinJar
eToro
Higher score in this comparison
What sets them apart
| Compare | CoinJarReviewVisitVisit | eToroReviewVisitVisit |
|---|---|---|
| Monthly fee | A$0 | €0 |
| Currency conversion fee | 2.99% | 0%Lower |
| Card type | Prepaid | Debit |
| Cashback rate | 1% | 4%Higher |
| Card network | Mastercard | Visa |
| Free ATM withdrawals | Not confirmed | €2,500 to €12,000 |
| Top-up fee | 0% (no pre-loading; card spends directly from CoinJar account balance) | Not confirmed |
| Currencies | Not confirmed | 4 |
| Custody | Custodial | Not confirmed |
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Key differences
- eToro scores higher overall: 9.6 vs 8.8.
- CoinJar is licensed in 1 more country.
- Currency conversion fee is lower at eToro: 0% vs 2.99%.
- Cashback rate is higher at eToro: 4% vs 1%.
- Features: only CoinJar offers Custodial.
- Features: only eToro offers Multi currency, Travel.
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 travellers and crypto spenders who want a Visa debit card for everyday spending alongside investing. Monthly fee is €0 with currency conversion at 0% and ATM allowance of €2,500 to €12,000 plus cashback at 4% and support through help centre, chat and phone.
Score breakdown
| Area | CoinJar | eToro |
|---|---|---|
| Cost | 8.8Conversion is the weak point: 2.99% on card spend against a site median of 1%, while trading costs 0.1%. | 9.3HigherWithdrawal fee is $5 alongside card spending costs. |
| Offer | 8.8 | 9.5HigherAccess to 150 crypto assets for trading and card funding. |
| Trust | 8.7 | 9.9HigherOversight from Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA) and Australian Securities and Investments Commission (ASIC) across regions. |
Where each is licensed and available
| 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 |
How they place
| Ranking | CoinJar | eToro |
|---|---|---|
| Crypto exchanges | 23 of 297 | 1 of 297 |
| Where to buy crypto | 15 of 177 | 1 of 177 |
Every fact side by side
| Fact | CoinJar | eToro |
|---|---|---|
| Features | Crypto, Custodial | Multi currency, Crypto, Travel |
| Audience | Business | Not confirmed |
| Legal entity | CoinJar Europe Limited | Not confirmed |
| Headquarters | Ireland | Not confirmed |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Help centre | Not confirmed |
Crypto exchanges
| Fact | CoinJar | eToro |
|---|---|---|
| Taker fee | 0.1%Lower | 1% |
| Coins listed | 45 | 150Higher |
| Regulators | Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI) | Cyprus Securities and Exchange Commission (CySEC), Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC) |
| Fiat deposit methods | Card, Bank, SEPA, Apple payCovers more | Card, Bank |
| Maker fee | 0.1%Lower | 1% |
| Proof of reserves | Yes | Not confirmed |
| Withdrawal fee | Dynamic fee for crypto withdrawals to external addresses; no fee for AUD bank transfer or PayPal withdrawals | $5 |
| Derivatives | Not confirmed | Yes |
| Exchange type | Cex | Cex |
Crypto wallets
| Fact | CoinJar | eToro |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | €0 | Not confirmed |
| Coins supported | 45 | Not confirmed |
Where each stands against the rest
| Fact | CoinJar | eToro | Median |
|---|---|---|---|
| Currency conversion fee | 2.99%highest quarter | 0%below the median | 0.25% |
| Free ATM withdrawals | Not confirmed | €2,500 to €12,000highest quarter | €200 |
| Cashback rate | 1%lowest quarter | 4%above the median | 2% |
| Currencies | Not confirmed | 4below the median | 30 |
Median across 58 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
- Card upkeep with monthly fee at €0 and Visa acceptance for everyday spending.
- Currency conversion at 0% with balances across 4 for travel use.
- Cashback at 4% on debit spending with functions covering multi currency, crypto and travel.
Cons
- Trading taker fee is 1%, above the site median of 0.25% for frequent traders.
- Broker withdrawals carry a charge of $5, which adds cost for moving funds off the platform.
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
- Travellers choosing eToro over bunq for conversion at 0% rather than 0.5% to 3%.
- Cash users choosing eToro over Kraken for ATM allowance of €2,500 to €12,000 rather than €0.
Who should look elsewhere
- Traders focused on low dealing costs rather than card perks, who may prefer Kraken given eToro taker fee of 1%.
- Euro spenders wanting a different card fee mix, who may prefer Bit2Me given its conversion at 0.95%.
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
Does the eToro card charge a monthly fee?+
The card account lists a monthly fee of €0, so there is no fixed upkeep for holding the card. Day to day spending, travel use and multi currency balances sit under that structure, while brokerage trading and withdrawals follow separate charges.
What is the currency conversion fee for card use?+
Card currency conversion is listed at 0%, which keeps cross border purchases and travel spending clear of added conversion charges. Balances across 4 help manage spending abroad, while brokerage activity remains subject to its own trading terms.