Updated September 28, 2026 · DebitCue Editorial Team
CoinJar vs Kontist by Shine
CoinJar
Kontist by Shine
Higher score in this comparison
Where CoinJar and Kontist by Shine differ
| Compare | CoinJarReviewVisitVisit | Kontist by ShineReviewVisitVisit |
|---|---|---|
| Monthly fee | A$0 | €0 |
| Currency conversion fee | 2.99% | 2%Lower |
| Card type | Prepaid | Debit |
| Card network | Mastercard | Visa |
| Free ATM withdrawals | Not confirmed | €0 |
| Top-up fee | 0% (no pre-loading; card spends directly from CoinJar account balance) | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Custody | Custodial | Not confirmed |
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Key differences
- Kontist by Shine scores higher overall: 9.1 vs 8.8.
- CoinJar is licensed in 2 more countries.
- CoinJar is available in 4 more countries.
- Currency conversion fee is lower at Kontist by Shine: 2% vs 2.99%.
- Support channels: only Kontist by Shine offers Chat, Phone.
- Features: only CoinJar offers Crypto, Custodial.
- Features: only Kontist by Shine offers Virtual card, Travel.
Our verdict on each
CoinJar
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.
Kontist by Shine
Kontist by Shine is a business account with fees of €0 a month and no annual fee, and it suits freelancers and small teams who want tax tools and receipts in the app. Currency conversion at 2% is the catch for anyone spending abroad.
Score breakdown
| Area | CoinJar | Kontist by Shine |
|---|---|---|
| Cost | 8.8A AUD 0 monthly fee and no top-up charge, weighed against 2.99% charged on every currency conversion. | 8.9HigherMonthly fee €0 and annual fee €0 are both free, with currency conversion at 2%. |
| Offer | 8.8 | 9.3Higher |
| Trust | 8.8 | Not confirmed |
Licences and countries
| Country | CoinJar | Kontist by Shine |
|---|---|---|
| Australia | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 98450066Q3A1G1A4T786 | Not confirmed |
| United Kingdom | Not confirmed |
Available in 1 country for both. Additional countries for CoinJar: 4.
A third option
eToro has currency conversion fee at 0%, against 2.99% for CoinJar and 2% for Kontist by Shine.
eToro reviewSources 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
Kontist by Shine
- kontist.com: 10 facts, checked September 26, 2026
How they place
| Ranking | CoinJar | Kontist by Shine |
|---|---|---|
| Business debit cards | 11 of 201 | 6 of 201 |
Every fact side by side
| Fact | CoinJar | Kontist by Shine |
|---|---|---|
| Features | Crypto, Custodial | Virtual card, Travel |
| Audience | Business | Business |
| Legal entity | CoinJar Europe Limited | Shine Germany GmbH |
| Headquarters | Ireland | Germany |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Credit cards
| Fact | CoinJar | Kontist by Shine |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Rewards type | Not confirmed | None |
| Pricing model | Not confirmed | No annual fee |
| Perks | Not confirmed | Automatic real time tax estimation, Receipt management and invoicing tool, Subaccounts on paid plans, Apple Pay and Google Pay, Deposit protection up to EUR 100,000, Free physical Visa business debit card, Mobile and browser app, Partnership discount offers |
Where each stands against the rest
| Fact | CoinJar | Kontist by Shine | Median |
|---|---|---|---|
| Currency conversion fee | 2.99%highest quarter | 2%above the median | 1% |
| Free ATM withdrawals | Not confirmed | €0below the median | €4 |
| Cashback rate | 1%below the median | Not confirmed | 2% |
Median across 387 listed cards.
Pros and cons
CoinJar
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
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
Kontist by Shine
Pros
- Monthly fee €0 and annual fee €0, matching the site median of €0
- Automatic real-time tax estimation, plus a receipt management and invoicing tool
- A free physical Visa business debit card, wallet payments and deposit protection Automatic real time tax estimation, Receipt management and invoicing tool and Subaccounts on paid plans
Cons
- Currency conversion costs 2% against a site median of 1%
- Free ATM withdrawals are €0
- Subaccounts need a paid plan
Who each suits
CoinJar
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
Kontist by Shine
Who it suits
- Freelancers and sole traders who want tax estimates calculated as they spend
- Small teams that need a shared receipt and invoicing tool
- Businesses that want a physical Visa business debit card with no annual fee
Who should look elsewhere
- Travellers who move money often, since conversion costs 2% and ranks 160
- Anyone who needs a free ATM allowance, because free ATM withdrawals are €0
- Reward seekers, as rewards type is none
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
Kontist by Shine
Current offer
Discount code
sevdesk: 60% off your accounting software: 60% discount
Exclusive for Kontist customers, via partner offer page
Source, checked September 26, 2026
Discount code
beglaubigt.de: save 50 EUR on digital company formation or business address: 50 EUR
Exclusive for Kontist customers
Source, checked September 26, 2026
Discount code
designenlassen: 20 EUR off with code kontist20: 20 EUR with code kontist20
Partner offer for Kontist customers
Source, checked September 26, 2026
Discount code
exali: 10% off with code Kontist10: 10% with code Kontist10
Partner offer for Kontist customers
Source, checked September 26, 2026
Discount code
Recht 24-7: 5% off services with code KONTIST-5: 5% with code KONTIST-5
Partner offer for Kontist customers
Source, checked September 26, 2026
Country by country
| Country | CoinJar | Kontist by Shine |
|---|---|---|
| Australia | Yes | No |
| Ireland | Yes | No |
| United Kingdom | Yes | No |
| United States | Yes | No |
| Germany | Yes | Yes |
Questions about each
CoinJar
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.
Kontist by Shine
What does Kontist by Shine cost to run?+
The monthly fee is €0 and the annual fee is €0, so the account itself costs nothing. Currency conversion is the charge to plan for, and subaccounts are reserved for paid plans rather than the free tier.
How much does it cost to spend in another currency?+
Currency conversion runs at 2%, which sits above the site median of 1% and ranks 160 of 259 brands. Owners who bill in euros and spend in other currencies should expect to pay it on foreign purchases.