Updated September 28, 2026 · HodlCue Editorial Team
CoinJar vs Wirex
CoinJar
Wirex
Higher score in this comparison
CoinJar vs Wirex: the differences
| Compare | CoinJarReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | A$0 | $0 |
| Currency conversion fee | 2.99% | 0%Lower |
| Card type | Prepaid | Debit |
| Cashback rate | 1% | 8%Higher |
| Card network | Mastercard | Visa |
| Free ATM withdrawals | Not confirmed | $400 |
| Top-up fee | 0% (no pre-loading; card spends directly from CoinJar account balance) | Not confirmed |
| Currencies | Not confirmed | 150 |
Same on both: Custody (Custodial).
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
- Wirex scores higher overall: 9.2 vs 8.8.
- Founded is lower at CoinJar: 2013 vs 2014.
- CoinJar is licensed in 2 more countries.
- CoinJar is available in 4 more countries.
- Currency conversion fee is lower at Wirex: 0% vs 2.99%.
- Cashback rate is higher at Wirex: 8% vs 1%.
- Support channels: only CoinJar offers Email.
- Support channels: only Wirex offers Chat.
- Features: only Wirex offers Multi currency, Travel, 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.
Wirex
Wirex suits people who want one balance for crypto and everyday spending, with a monthly fee of $0, a conversion fee of 0% and an FCA licence in the UK. Budget for trading fees of 1.5% to 2.5%, and know your holdings sit with Wirex rather than in your own wallet.
Score breakdown
| Area | CoinJar | Wirex |
|---|---|---|
| Cost | 8.8Conversion is the weak point: 2.99% on card spend against a site median of 1%, while trading costs 0.1%. | 9.4HigherMonthly fee of $0 and a conversion fee of 0% keep everyday card running costs low, though trading fees run 1.5% to 2.5%. |
| Offer | 8.8 | 9.6HigherCard covers 35 coins and 150 currencies, with a cashback rate of 8% and virtual cards in the feature set. |
| Trust | 8.7 | 8.7 |
Availability and regulation
| Country | CoinJar | Wirex |
|---|---|---|
| United Kingdom | FCA 902025 | |
| Australia | Not confirmed | |
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 98450066Q3A1G1A4T786 | Not confirmed |
Available in 1 country for both. Additional countries for CoinJar: 4.
Where they rank in our lists
| Ranking | CoinJar | Wirex |
|---|---|---|
| Crypto exchanges | 23 of 297 | 15 of 297 |
| Where to buy crypto | 15 of 177 | 10 of 177 |
| Crypto wallets | 13 of 156 | 9 of 156 |
| Crypto debit cards | 21 of 145 | 12 of 145 |
Where these facts come from
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
Wirex
- currencyexpert.com: 5 facts, checked September 26, 2026
- coincodecap.com: 4 facts, checked September 26, 2026
- budgetfitter.uk: 3 facts, checked September 26, 2026
- news.bitcoin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | CoinJar | Wirex |
|---|---|---|
| Features | Crypto, Custodial | Crypto, Custodial, Multi currency, Travel, Virtual cardCovers more |
| Audience | Business | Not confirmed |
| Legal entity | CoinJar Europe Limited | Wirex Limited |
| Headquarters | Ireland | United Kingdom |
| Founded | 2013Lower | 2014 |
| Support channels | Email, Help centre | Chat, Help centre |
Crypto exchanges
| Fact | CoinJar | Wirex |
|---|---|---|
| Taker fee | 0.1%Lower | 1.5% to 2.5% |
| Coins listed | 45Higher | 35 |
| Regulators | Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI) | FCA |
| Fiat deposit methods | Card, Bank, SEPA, Apple payCovers more | Card, 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 | Only gas fees |
| Exchange type | Cex | Cex |
Crypto wallets
| Fact | CoinJar | Wirex |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | €0 | Not confirmed |
| Coins supported | 45 | Not confirmed |
Where each stands against the rest
| Fact | CoinJar | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 2.99%highest quarter | 0%below the median | 0.25% |
| Free ATM withdrawals | Not confirmed | $400highest quarter | $0 |
| Cashback rate | 1%lowest quarter | 8%highest quarter | 2% |
| Currencies | Not confirmed | 150above 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
Wirex
Pros
- No monthly fee, with the card ranking top of the field on that measure in 379 brands
- Currency conversion at 0%, first for that measure across 237 brands
- Covered by an FCA licence, reference 902025
Cons
- Trading fees of 1.5% to 2.5% sit well above the site median of 0.2%
- Coins covered, 35, trail the site median of 62
- Support runs on chat and help centre only, with no phone line
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
Wirex
Who it suits
- People who want crypto spending and card payments from one balance
- Travellers who convert and withdraw often, given the conversion fee of 0% and free ATM withdrawals of $400
- UK residents who want a regulated crypto debit card under an FCA licence
Who should look elsewhere
- Frequent traders, since fees of 1.5% to 2.5% sit far above the site median of 0.2%; Monzo Flex and Wise charge nothing monthly but carry no trading fees
- Coin collectors, as 35 covers fewer coins than the site median of 62
- Anyone wanting to hold keys themselves, since custody is custodial; Bitpanda also holds assets, so a self-custody wallet suits better
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
Wirex
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
Country by country
| Country | CoinJar | Wirex |
|---|---|---|
| Australia | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| United States | Yes | No |
| United Kingdom | Yes | Yes |
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.
Wirex
What does it cost to hold a Wirex card?+
The monthly fee is $0, so the card costs nothing to keep. Wirex places first of 379 brands on that measure. Converting currency is charged at 0%, and the real cost for traders is the trading fee of 1.5% to 2.5%.
What are Wirex trading fees?+
Trading fees run 1.5% to 2.5% on the exchange side of Wirex. That sits well above the site median of 0.2% and above the upper end of 0.8%. Buying and selling often will cost more here than on lower-fee venues.