Updated October 17, 2026 · HodlCue Editorial Team
CoinJar vs Nebeus
CoinJar
Nebeus
Higher score in this comparison
Where CoinJar and Nebeus differ
| Compare | CoinJarReviewVisitVisit | NebeusReviewVisitVisit |
|---|---|---|
| Monthly fee | A$0 | €0 |
| Currency conversion fee | 2.99% | 0%Lower |
| Card type | Prepaid | Debit |
| Cashback rate | 1%Higher | 0% |
| Free ATM withdrawals | Not confirmed | €2,000 |
| Top-up fee | 0% (no pre-loading; card spends directly from CoinJar account balance) | Not confirmed |
| Card network | Mastercard | Not confirmed |
Same on both: Custody (Custodial).
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Key differences
- Nebeus scores higher overall: 9.2 vs 8.8.
- Founded is lower at CoinJar: 2013 vs 2014.
- Currency conversion fee is lower at Nebeus: 0% vs 2.99%.
- Cashback rate is higher at CoinJar: 1% vs 0%.
- Support channels: only CoinJar offers Email.
- Features: only Nebeus offers Multi currency, Virtual card.
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.
Nebeus
Nebeus is a Spanish exchange that pays 15% on staked balances, with terms that allow instant unstake, so the money stays moveable while it works. It suits readers in Spain who want one regulated place for trading, staking and a card with a €0 monthly charge.
Score breakdown
| Area | CoinJar | Nebeus |
|---|---|---|
| Cost | 8.8Conversion is the weak point: 2.99% on card spend against a site median of 1%, while trading costs 0.1%. | Not confirmed |
| Offer | 8.8 | 9.3HigherStaking pays 15% on USDC, AVAX and AAVE. Lock-up terms are No lock-up, instant unstake. The card adds a €0 fee. |
| Trust | 8.7 | 9.1Higher |
Which one suits you
Pick CoinJar if cashback rate matter most.
Pick Nebeus if offer, trust, and currency conversion fee matter most.
Availability and regulation
| Country | CoinJar | Nebeus |
|---|---|---|
| Australia | Not confirmed | |
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 98450066Q3A1G1A4T786 | Not confirmed |
| United Kingdom | Not confirmed |
Positions in our rankings
| Ranking | CoinJar | Nebeus |
|---|---|---|
| Where to buy crypto | 15 of 177 | 9 of 177 |
| Crypto wallets | 13 of 156 | 8 of 156 |
| Crypto debit cards | 21 of 145 | 11 of 145 |
Sources behind this comparison
CoinJar
- coinjar.com: 6 facts, checked September 26, 2026
- support.coinjar.com: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- coingecko.com: 1 fact, checked September 26, 2026
Nebeus
- nebeus.com: 5 facts, checked September 26, 2026
- opencryptocards.com: 5 facts, checked September 26, 2026
- cryptonoshi.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | CoinJar | Nebeus |
|---|---|---|
| Features | Crypto, Custodial | Multi currency, Crypto, Virtual card, CustodialCovers more |
| Audience | Business | Not confirmed |
| Legal entity | CoinJar Europe Limited | Rintral Trading SLU |
| Headquarters | Ireland | Spain |
| Founded | 2013Lower | 2014 |
| Support channels | Email, Help centreCovers more | Help centre |
Crypto exchanges
| Fact | CoinJar | Nebeus |
|---|---|---|
| Taker fee | 0.1% | Not confirmed |
| Coins listed | 45Higher | 30 |
| Regulators | Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI) | Bank of Spain (CNMV) |
| Fiat deposit methods | Card, Bank, SEPA, Apple payCovers more | Bank |
| Maker fee | 0.1% | Not confirmed |
| 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 | Not confirmed |
| Exchange type | Cex | Cex |
Crypto wallets
| Fact | CoinJar | Nebeus |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | €0 | Not confirmed |
| Coins supported | 45 | Not confirmed |
Where each stands against the rest
| Fact | CoinJar | Nebeus | Median |
|---|---|---|---|
| Currency conversion fee | 2.99%highest quarter | 0%below the median | 0.25% |
| Free ATM withdrawals | Not confirmed | €2,000above the median | €200 |
| Cashback rate | 1%lowest quarter | 0%lowest quarter | 2% |
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
Nebeus
Pros
- Staking pays 15%, above the 7% typical of the earn group and well above bunq Crypto Spain at 8.25%
- No lock-up, instant unstake applies, so staked coins can be unstaked straight away, unlike products that tie the balance for a set period
- The card carries a €0 charge and a 0% currency conversion fee, and a €2,000 free ATM withdrawal allowance
Cons
- 30 listed coins sits well under the 137.5 for the earn group, so the trading list is thin
- custodial is the model, so the platform holds the keys and readers who want a wallet of their own may prefer a self-custody setup
- Support runs on help centre only, with no live chat or phone line 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
Nebeus
Who it suits
- Readers in Spain who want a regulated exchange and card in one account
- Stakers who want a 15% return and need to move funds without a fixed term
- People who want to hold 30 and use a debit card for everyday spending
Who should look elsewhere
- Coin maximalists, who should pick a platform with a much longer asset list than 30
- Anyone who wants to hold their own keys, since Nebeus runs custodial
- Readers who want chat or phone support, since Nebeus lists help centre only
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 | Nebeus |
|---|---|---|
| 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.
Nebeus
What yield does Nebeus pay on staking?+
Nebeus states a 15% return on staked balances. That sits above the 7% across the earn group, though the page figure is a headline rate rather than a locked-in annual return. Read it alongside the assets you intend to stake.
Can I unstake straight away?+
Yes. No lock-up, instant unstake applies, so positions are not tied up for a fixed period. That flexibility is worth more to some readers than a slightly higher rate on a product that locks a balance for a set term.