CoinJar review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CoinJar suits anyone who already holds digital assets and wants to spend them through a Mastercard without paying a monthly charge. The monthly fee is AUD 0, but a currency conversion fee of 2.99% puts it well down our ranking on that measure.
Key facts
- Best for
- Spending digital assets on a Mastercard with no monthly fee and no top-up charge
- Monthly fee
- A$0 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.99% (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Top-up fee
- 0% (no pre-loading; card spends directly from CoinJar account balance) (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Custody
- Custodial (Source, checked September 26, 2026)
- Legal entity
- CoinJar Europe Limited (Source, checked September 26, 2026)
- Headquarters
- Ireland (Source, checked September 26, 2026)
- Founded
- 2013 (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Features
- Crypto, Custodial
- Audience
- Business
- Official website
- coinjar.com
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- The monthly fee is AUD 0, and the top-up fee does not apply because nothing is pre-loaded
- Card spending earns cashback of 1%
- It runs on mastercard, so it takes payment in the places that network does
- Business users are the stated audience, with business named on the platform
Cons
- Currency conversion is the weak point at 2.99%, which lands on every spend in another currency
- Support runs on email and help centre only, with no phone line listed
- The setup is custodial, so CoinJar holds the assets rather than you holding them yourself
Who it suits
- Anyone holding digital assets on CoinJar who wants to spend that balance straight from a card
- Business users, since CoinJar lists business as its audience
- People who want a prepaid card and are comfortable with a provider holding the assets
Who should look elsewhere
- Skrill, whose monthly fee of €5 is charged in euros rather than Australian dollars, if you want an account kept there
- JMMB Moneyline and JMMB Money Transfer prepaid card, whose monthly fee of JMD 0 suits buyers paying in Jamaican dollars
- CrediMax Cardy EX prepaid Visa, whose monthly fee of BHD 0 suits accounts kept in Bahraini dinars
How it compares on our data
On monthly fee, CoinJar sits at position 1 of 419, so the card is as cheap as the table gets on this measure. On currency conversion, it ranks 214 of 259, which pulls the other way for anyone paying in another currency.
How CoinJar compares
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8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.0
8.8 vs 8.0
Where CoinJar is available
- Available
- Australia, Germany, Ireland, United Kingdom, United States
- Licence in Australia
- AUSTRAC (Australian Transaction Reports and Analysis Centre), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority (UK), for AML purposes, checked September 26, 2026
- Licence in Ireland
- Central Bank of Ireland (CBI) (MiCA CASP 98450066Q3A1G1A4T786), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the CoinJar Card?+
There is no monthly charge, as the monthly fee is AUD 0. The card is prepaid, so there is no credit line and no interest to pay, and no top-up fee either since the card spends straight from your CoinJar balance. Spending earns cashback of 1%.
How much does it cost to spend in another currency?+
Each conversion is charged 2.99%. If you pay in a currency other than the one your balance is held in, that cost lands on every transaction, so the card makes most sense for spending where your account already holds the money you need.
Do I need to load the card before I can spend?+
No pre-loading is needed. As a prepaid card, CoinJar draws the amount from your account balance at the point of sale and the top-up fee does not apply, so nothing needs loading in advance. The monthly fee is AUD 0 as well.
Who regulates CoinJar and what does that mean for the account?+
CoinJar Europe Limited is registered with the Central Bank of Ireland under licence MiCA CASP 98450066Q3A1G1A4T786, and the listed regulators also include AUSTRAC in Australia and the Financial Conduct Authority in the UK for anti-money laundering purposes.
Who is the CoinJar Card aimed at?+
CoinJar lists business as its audience, so the card is built with business spending in mind rather than everyday banking. It suits you if your money already sits in digital assets on CoinJar, and suits you less if you want a card for ordinary salary spending.
Who do I contact if a payment goes wrong?+
Support runs on email and help centre, so email and the help centre are the routes. There is no phone line listed, which matters if you need help while a payment is in flight or you are disputing a conversion charge of 2.99%.
Where are the assets behind the card held?+
The arrangement is custodial, so CoinJar holds the assets and the card itself is prepaid. That pairs easy spending with a provider in the middle, and the legal entity behind it is CoinJar Europe Limited in Ireland.
Will the card work abroad?+
It runs on mastercard, so acceptance follows that network rather than a closed loop, which makes it usable abroad. The catch is that 2.99% applies whenever the purchase currency differs from the currency of your balance, and that cost repeats on every trip.
Sources
- coingecko.com/en/exchanges/coinjar checked September 26, 2026
Backs: Founded
“year_established=2013”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=IE”
- support.coinjar.com/hc/en-au/articles/4403702613529-CoinJ... checked September 26, 2026
Backs: Currency conversion fee, Monthly fee
“Foreign transaction +2.99% - Transactions made in a currency other than Australian dollars will be subject to the current Mastercard exchange rate plus a 2.99% foreign exchange fee.”
- support.coinjar.com/hc/en-au/articles/4404139564697-Intro... checked September 26, 2026
Backs: Card type, Top-up fee
“CoinJar Card is a prepaid cryptocurrency Mastercard, powered by CoinJar.”
- coinjar.com checked September 26, 2026
Backs: Audience, Custody
“Institutional-grade crypto solutions - Powerful products and services designed for institutions, market makers and finance professionals from Australia's longest-running cryptocurrency exchange.”
- coinjar.com/au/card checked September 26, 2026
Backs: Cashback rate, Features, Card network
“In-store and online purchase 1% (returned in Rewards points) ... For each $1 you spend you'll earn 1 CoinJar Rewards point.”
- coinjar.com/au/enquiries checked September 26, 2026
Backs: Support channels
“General and support enquiries support@coinjar.com”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.