What we love
- CoinJar Card — spend crypto anywhere Mastercard is accepted
- Two interfaces: simple Buy/Sell or CoinJar Exchange
- 0.1% maker/taker on CoinJar Exchange (very competitive)
- Operating since 2013 — long Australian track record
- AUSTRAC-registered and UK FCA registered
- Solid mobile app for casual users
Where it falls short
- Default Buy/Sell fee of 1% is high
- Only around 50 supported cryptocurrencies
- No staking
- The two-interface model can confuse new users
Who CoinJar is best for
CoinJar is the Aussie exchange that most blurs the line between crypto investing and everyday spending. The CoinJar Card — a prepaid Mastercard funded from your crypto balance — is the headline feature, and the one that pulls in users who actually want to use crypto, not just hold it.
It's best suited to crypto users who want to spend, long-time Aussie holders who like the established brand, and active traders who use the CoinJar Exchange tier for 0.1% fees. The casual Buy/Sell interface at 1% is convenient but pricey for anything beyond an occasional purchase.
CoinJar fees: the full breakdown
CoinJar runs a two-tier fee model. The default Buy/Sell interface charges 1% per transaction — convenient but expensive for active users. The CoinJar Exchange tier, with order books and limit orders, drops to 0.1% maker/taker — among the lowest in Australia for users who learn the trading interface.
| Fee Type | Cost | Notes |
|---|---|---|
| Buy/Sell (instant) | 1.0% | Default casual buying experience |
| CoinJar Exchange (maker) | 0.1% | Limit orders on the order book |
| CoinJar Exchange (taker) | 0.1% | Market orders |
| AUD deposit (PayID / OSKO) | Free | Instant or near-instant |
| AUD deposit (card) | 2% | Visa/Mastercard |
| AUD withdrawal | Free | EFT to Australian bank |
| CoinJar Card transactions | Free | Standard Mastercard FX rules apply abroad |
If you only use the default Buy/Sell page, you'll be paying 10× what CoinJar Exchange charges. Switch to the Exchange interface for active or larger trades — it uses order books and limits, but pays back the learning curve quickly.
Security & AUSTRAC compliance
CoinJar is AUSTRAC-registered in Australia and FCA-registered in the United Kingdom — one of very few Australian crypto exchanges with active regulatory standing in two major jurisdictions. The platform has operated since 2013 without a major customer-funds security incident.
The majority of customer assets are held in cold storage, with mandatory 2FA, withdrawal whitelisting, and biometric login on mobile. CoinJar publishes transparency disclosures and works with major audit firms.
Supported cryptocurrencies
CoinJar supports around 50 cryptocurrencies — a tighter, more curated list than the 300+ available on CoinSpot or Swyftx. The list includes all the majors (Bitcoin, Ethereum, Solana, XRP, Cardano), top stablecoins, and a selection of established altcoins.
There is no staking on CoinJar at present. The platform's focus is on cleanly executing buy, sell, hold, and spend workflows rather than chasing every new asset listing.
Deposits & withdrawals
AUD funding via PayID, OSKO, and bank transfer is free. Card deposits incur a 2% fee. AUD withdrawals back to Australian bank accounts are free. The standout funding option, however, is the CoinJar Card — a prepaid Mastercard linked to your crypto balance, accepted at any retailer that takes Mastercard.
When you spend with the card, the linked crypto is sold at market rates and the merchant is paid in AUD — meaning you can effectively use your crypto for everyday purchases without manual conversion.
User experience
The CoinJar Buy/Sell app is one of the cleanest and most consumer-friendly in the Aussie market — a few taps to buy, a few taps to sell, with the card balance visible up front. The Exchange interface is a step up in complexity, with order books, depth charts, and limit orders, but remains accessible.
The dual-interface model is CoinJar's biggest UX trade-off: casual users may never discover that they're paying 10× the necessary fee by sticking with Buy/Sell.
Verdict
The bottom line
CoinJar is the Australian crypto exchange most focused on actually using crypto, rather than just trading it. The CoinJar Card, dual-jurisdiction regulatory standing (Australia + UK), 0.1% fees on the Exchange interface, and decade-long track record make it a strong pick for users who want to spend crypto in everyday life. The default 1% Buy/Sell fee is high, and the coin list is narrow — but for the right user, CoinJar is hard to replace.
Best for: Crypto spenders, long-time Aussie holders, users who travel between Australia and the UK.
Open a CoinJar account →CoinJar alternatives
Compare CoinJar against other AUSTRAC-registered Australian exchanges.