What we love
- Pay any BPAY bill in Australia using crypto
- Operating since 2013 — long Aussie track record
- AUSTRAC-registered, mandatory 2FA, cold storage
- 280+ supported cryptocurrencies
- Recurring buys and a portfolio rebalancing tool
- Carbon-offset feature for environmentally minded users
Where it falls short
- Trading fee of 0.9% is higher than most major rivals
- Does not hold ISO 27001 certification
- Mobile app feels less polished than Swyftx or CoinSpot
- Limited advanced trading features
Who Cointree is best for
Cointree is the most genuinely ‘use crypto in everyday Australian life’ exchange. The standout feature — paying any BPAY biller in Australia directly from your crypto balance — is a real differentiator. Pay your electricity bill in Bitcoin, your phone bill in Ethereum, your rates in Solana.
It's best suited to crypto users who want utility, not just investment, environmentally conscious investors (the carbon-offset feature is well thought through), and long-time Aussie holders who appreciate the decade-long track record. Active traders chasing the lowest fees will be better served elsewhere.
Cointree fees: the full breakdown
Cointree charges a 0.9% fee on most trades (inclusive of spread) — higher than CoinSpot's market fee (0.1%), CoinJar's Exchange tier (0.1%), or Digital Surge's flat 0.5%. The premium goes towards the unique BPAY and bill-payment functionality and the long-standing AUD on/off ramp infrastructure.
| Fee Type | Cost | Notes |
|---|---|---|
| Trading fee | 0.9% | Includes spread, applies to most pairs |
| AUD deposit (PayID / OSKO) | Free | Instant or near-instant |
| AUD deposit (bank transfer) | Free | 1 business day |
| AUD deposit (card) | 1.95% | Visa/Mastercard |
| BPAY bill payment | 1% | Pay any Australian BPAY biller from crypto |
| AUD withdrawal | Free | EFT to Australian bank |
| Crypto withdrawal | Network fee | Pass-through |
Cointree's BPAY integration is unique in the Aussie market. Any biller in Australia who accepts BPAY can be paid directly from your crypto balance — Cointree converts the crypto to AUD at trade and routes the BPAY payment. It's the closest thing to actually using crypto for everyday Australian life.
Security & AUSTRAC compliance
Cointree is AUSTRAC-registered, has operated since 2013 without a major customer-funds security incident, and stores the majority of customer assets in cold storage. It does not hold ISO 27001 certification, which separates it from CoinSpot, Independent Reserve, and Swyftx.
Account-level security includes mandatory 2FA and withdrawal whitelisting. The decade-long operational record adds to the trust profile, even without the formal ISO credential.
Supported cryptocurrencies
Cointree supports around 280 cryptocurrencies, which puts it in the middle of the Australian pack — broader than Independent Reserve or CoinJar, narrower than CoinSpot, Swyftx, or Digital Surge. Coverage includes all the majors, the meaningful Layer 1s and Layer 2s, and most of the established altcoins.
Staking is available on a selection of proof-of-stake assets, and the platform also offers a portfolio rebalancing tool — set target percentages for each holding and Cointree will execute trades to bring you back to target.
Deposits & withdrawals
AUD funding via PayID, OSKO, and bank transfer is free. Card deposits incur a 1.95% fee. AUD withdrawals back to Australian bank accounts are free. The standout funding feature, however, is BPAY bill payment — you can pay any Australian biller directly from your crypto balance for a 1% fee.
This works for utility bills, council rates, phone bills, tax payments, and any other BPAY-enabled biller. The 1% BPAY fee is on top of the conversion from crypto to AUD.
User experience
The Cointree web platform is clean, functional, and dates back over a decade — it shows in places. The mobile app is capable but less polished than Swyftx or CoinSpot. For the BPAY and bill-payment workflow specifically, the experience is excellent and meaningfully differentiated from any other Australian exchange.
Advanced trading features (order books, depth charts, complex order types) are limited — Cointree is built for buy/sell/spend, not for active trading.
Verdict
The bottom line
Cointree is the Australian crypto exchange most focused on actually using crypto for everyday financial life. The BPAY bill payment integration is unique in the local market, the decade-long track record adds trust, and the carbon-offset feature is a thoughtful touch. The 0.9% trading fee and absence of ISO 27001 certification are real trade-offs — but for the right user, the utility makes it worth it.
Best for: Users who want to spend crypto on bills, environmentally minded investors, long-term Aussie holders.
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