Updated October 17, 2026 · DebitCue Editorial Team
CoinJar vs Wirex Card
CoinJar
Wirex Card
Higher score in this comparison
What sets them apart
| Compare | CoinJarReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | A$0 | $0 |
| Currency conversion fee | 2.99% | 0%Lower |
| Card type | Prepaid | Debit |
| Cashback rate | 1% | 0.5% to 8%Higher |
| Card network | Mastercard | Visa |
| Custody | Custodial | Self custody |
| Free ATM withdrawals | Not confirmed | $0 |
| Top-up fee | 0% (no pre-loading; card spends directly from CoinJar account balance) | Not confirmed |
| Currencies | Not confirmed | from 150 |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Wirex Card scores higher overall: 9.1 vs 8.8.
- Founded is lower at CoinJar: 2013 vs 2014.
- Currency conversion fee is lower at Wirex Card: 0% vs 2.99%.
- Cashback rate is higher at Wirex Card: 0.5% to 8% vs 1%.
- Support channels: only Wirex Card offers Chat, Community.
- Features: only CoinJar offers Custodial.
- Features: only Wirex Card offers Multi currency, Virtual card, Self custody.
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.
Wirex Card
Wirex Card suits business users and frequent travellers abroad who want crypto spending on a multi-currency card, with a currency conversion fee of 0% and a monthly fee of $0. Self-custody, from 150 currencies and cashback of 0.5% to 8% add pull, though free ATM withdrawals are $0.
Score breakdown
| Area | CoinJar | Wirex Card |
|---|---|---|
| Cost | 8.8A AUD 0 monthly fee and no top-up charge, weighed against 2.99% charged on every currency conversion. | 9.4HigherHolds rank 1 on monthly fee and 1 on currency conversion, with fees of $0 a month and 0%. |
| Offer | 8.8 | 9.2Higher |
| Trust | 8.8Higher | 8.7 |
Availability and regulation
| Country | CoinJar | Wirex Card |
|---|---|---|
| United Kingdom | Financial Conduct Authority FRN 902025 | |
| Australia | Not confirmed | |
| El Salvador | Not confirmed | |
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 98450066Q3A1G1A4T786 | Not confirmed |
| Malta | Not confirmed |
Where they rank in our lists
| Ranking | CoinJar | Wirex Card |
|---|---|---|
| Business debit cards | 11 of 201 | 8 of 201 |
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 Card
- wirexapp.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | CoinJar | Wirex Card |
|---|---|---|
| Features | Crypto, Custodial | Multi currency, Crypto, Virtual card, Self custody, Travel |
| Audience | Business | Business |
| Legal entity | CoinJar Europe Limited | Wirex Limited |
| Headquarters | Ireland | United Kingdom |
| Founded | 2013Lower | 2014 |
| Support channels | Email, Help centre | Email, Chat, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | CoinJar | Wirex Card | Median |
|---|---|---|---|
| Currency conversion fee | 2.99%highest quarter | 0%below the median | 1% |
| Free ATM withdrawals | Not confirmed | $0at the median | $0 |
| Cashback rate | 1%below the median | 0.5% to 8%highest quarter | 2% |
| Currencies | Not confirmed | from 150highest quarter | 8 |
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
Wirex Card
Pros
- Currency conversion costs 0% on a debit card, so spending in another currency adds no extra cost.
- The monthly fee is $0 and the account supports from 150 currencies on the visa network.
- Self-custody and a virtual card are both listed features, alongside crypto spending and travel use.
Cons
- Free ATM withdrawals are $0, so cash machine visits cost extra; the card ranks 41 of 115 on that measure.
- Support runs on email, chat and help centre only, so there is no phone line for urgent problems.
- Cashback of 0.5% to 8% moves with the tier reached, so the headline rate is not guaranteed.
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
Wirex Card
Who it suits
- Businesses and freelancers paying in several currencies each month.
- Readers who want to spend crypto while keeping custody of their own funds.
- Travellers who want a virtual card for online bookings and a physical debit card for daily spending.
Who should look elsewhere
- Wise, whose monthly fee is £0, for anyone who wants a multi-currency account that keeps no crypto balance.
- Starling Personal Account Debit Card, with £0 a month, for straightforward current account banking rather than crypto spending.
- Bitpanda, whose monthly fee is €0, for readers who want a crypto card and not the business focus listed for Wirex.
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 Card
Current offer
Discount code
50% subscription rebates on Wirex One card: 50% back in USD on eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, Financial Times)
Pay for eligible subscriptions using the Wirex One card; rebate capped at the standard plan price for each service; tiers unlock more subscriptions
Source, checked September 26, 2026
Bonus
Up to 8% cashback on every purchase: 0.5% to 8% back in USD depending on membership tier
Every eligible purchase earns between 0.5% and 8% back in USD depending on tier; credited to Rewards Balance on transaction clearance
Source, checked September 26, 2026
Bonus
Wirex Exclusive Rewards Portal: Up to 16% cashback shopping online with 100+ partner retailers
Via the cashback portal at cashback.wirexapp.com
Source, checked September 26, 2026
Country by country
| Country | CoinJar | Wirex Card |
|---|---|---|
| Australia | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| United Kingdom | Yes | No |
| United States | Yes | No |
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.
Wirex Card
What does it cost to hold a Wirex Card?+
The monthly fee is $0 and the currency conversion fee is 0%, so holding the card and converting money both cost nothing. Cash machine withdrawals are the exception and are billed separately, so allow for a charge each time if you rely on cash in hand.
Will I pay a foreign transaction fee abroad?+
The currency conversion fee is 0%, so there is no charge for converting on the card. The account supports from 150 currencies, which lets you hold and spend in the currency of the place you are in instead of paying a conversion cost on every purchase.