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CoinJar vs Digital Surge

CoinJar and Digital Surge compared on what decides the bill for an Australian: the real cost of an AUD buy, whether there is an AUD book to trade against, and who you are contracting with.

Trade on CoinJarcoinjar.com Trade on Digital Surgedigitalsurge.com.au Both links are affiliate links. They never change the ranking, the scores or the data on this page.
CoinJar Melbourne · est 2013 · AUD order book
AUSTRAC RegisteredUK FCA RegisteredBook + Instant Buy
Coindaily Score 74/100
coinjar.com CoinJar homepage as served to Australian visitors
VS
Digital Surge Brisbane · est 2017 · Brokerage
AUSTRAC RegisteredPast Administration (2022)AU Brokerage
Coindaily Score 72/100
digitalsurge.com.au Digital Surge homepage as served to Australian visitors
77
Costwhy
76
CoinJar · 77
  • Effective cost of the default route is about 0.40% (order book: taker plus spread)
  • 57% of the cost facts on our coinjar review read as favourable
Digital Surge · 76
  • Effective cost of the default route is about 0.50% (brokerage: the spread is the cost)
  • 58% of the cost facts on our digital-surge review read as favourable
55
Liquiditywhy
21
CoinJar · 55
  • Crossing its AUD book costs a measured 0.081% on a A$10,000 order
  • A$154,101 of asks inside 1% of mid, top order 30% of that
  • Global liquidity standing 45/100 from the Coindaily exchanges table
Digital Surge · 21
  • No public order book to measure: this is a brokerage that quotes you a price
  • There is no depth behind a quote, only the platform's willingness to fill it
  • Global liquidity standing 38/100 from the Coindaily exchanges table
98
AUD accesswhy
60
CoinJar · 98
  • Its AUD book is real and measurable: BTC/AUD at a 0.162% touch spread
  • 3 documented AUD deposit rails: PayID, Card, Bank
  • 80% of its money-in-and-out facts read as favourable
Digital Surge · 60
  • No AUD order book, so every AUD trade routes through a conversion or a quote
  • 2 documented AUD deposit rails: PayID, OSKO
  • 71% of its money-in-and-out facts read as favourable
66
Trust & regulationwhy
45
CoinJar · 66
  • AUSTRAC-registered, and holds no AFSL
  • 72% of its custody and regulation facts read as favourable
  • Operating since 2013
Digital Surge · 45
  • AUSTRAC-registered, and holds no AFSL
  • 42% of its custody and regulation facts read as favourable
  • Operating since 2017
66
Asset rangewhy
82
CoinJar · 66
  • 60 assets listed
  • 59% of its what-you-can-trade facts read as favourable
  • Not every listed asset is reachable in AUD
Digital Surge · 82
  • 400 assets listed
  • 62% of its what-you-can-trade facts read as favourable
  • Not every listed asset is reachable in AUD
87
Features & supportwhy
87
CoinJar · 87
  • 82% of its trading, support and tax facts read as favourable
  • Drawn from 24 sourced facts across three sections
  • Scored on what is documented, not on marketing claims
Digital Surge · 87
  • 82% of its trading, support and tax facts read as favourable
  • Drawn from 24 sourced facts across three sections
  • Scored on what is documented, not on marketing claims
CoinJar leads 4 of the 6 pillars. Scores are the desk's assessment of the evidence on this page, judged for an Australian buying in Australian dollars.
The Coindaily Score above ranks a venue globally: liquidity, cost and standing across every market it runs. The six pillars re-weight the same evidence for one specific job, an Australian funding an account in AUD. That is why a venue with a lower headline score can win pillars here. Full method on the exchanges table.

What a trade actually costs

Cost calculator

Three costs kept apart, because they are not the same thing: the published trading fee, the AUD conversion a venue with no AUD book forces on you, and the measured cost of crossing its order book. Click any route for the detail.

Scenario
RouteTrading feeAUD conversionCrossing the bookAll inOn A$1,000

Execution. Crosses its own AUD book, measured below.

Taker rate plus the measured cost of crossing the book.

Execution. Posting rather than taking avoids the crossing cost entirely.

You pay the maker rate and no spread, at the price of an uncertain fill.

Execution. Priced by quote, not a book. The margin is inside the rate you are shown.

A brokerage prices the spread into the quote, so the spread is the cost.

Execution. This platform publishes no route below its quoted price.

Where a platform runs a cheaper order book, it appears here. This one does not.

On A$1,000 bought and held, the lowest all in cost is CoinJar · PayID, then post a limit order at A$1.00, of which 0% is crossing the book, not fee. That is A$4.00 below the dearest default route, about 5.0× cheaper.

The books behind those numbers

Both sides of both public books, walked 26 July 2026. Top order is the share of that side held by a single resting order: depth that is one order can leave. Anything above 25% of visible depth is marked too big rather than given a price it would not get.
VenueDepthTop orderA$1kA$5kA$10kA$25kA$50kA$100k
CoinJarbuying A$154k 30%0.081%0.081%0.081%0.081%too bigtoo big
CoinJarselling A$177k 21%0.081%0.081%0.081%0.081%too bigtoo big
Trading fees are the platforms' own published rates. Crossing costs are walked from the live order book. The AUD conversion is the one figure here we cannot verify from a public book, so it is modelled from the exchanges table and marked with a dotted underline; it is also the number that decides the Binance result, so treat it as an estimate rather than a quote. It applies only from an AUD start: if you already hold USDT, ignore that column and Binance's cheap route is 0.075%. Posting a limit order avoids the crossing cost at the price of an uncertain fill. Network fees are excluded, they depend on the chain rather than the venue.

Which one is for you

Choose
CoinJar
  • Oldest local operator with a clean record
  • Dual AUSTRAC + FCA registration
  • Order book available at 0.1% - cheap for a local venue
  • Crypto Mastercard is genuinely useful
But go in knowing
  • ~60 assets - mid-sized menu
  • Exchange liquidity is modest; large orders need care
  • Brand quieter than the marketing-heavy locals
Choose
Digital Surge
  • Chose repayment over liquidation after FTX - rare follow-through
  • Simple, clean AU brokerage with good rails
  • Wide asset range for a small venue
But go in knowing
  • 2022 administration is a permanent counterparty-risk lesson
  • Brokerage spreads around 0.5% each way
  • Smallest scale of the platforms listed here
The call

For an AUD buy, CoinJar. Past that it depends on what you are doing.

These two are scored here for one job: an Australian funding an account in Australian dollars. The pillars above re-weight the same evidence for that reader, which is why they can disagree with the global Coindaily Score.

Buying with Australian dollars
CoinJar
Its default route lands at about 0.1% all in, against 0.5% on Digital Surge.
You want to trade against AUD directly
CoinJar
We could walk its live AUD book. Digital Surge has none, so AUD converts first.
You want the stronger regulatory standing
CoinJar
Scores 66 against 45 on licensing, custody and enforcement history.
You want the widest asset menu
Digital Surge
Scores 82 against 66 on how much is listed and reachable.
Tooling, tax reporting and support
CoinJar
Scores 87 against 87 across trading features, support and tax.
What would change it

Order book depth is the least stable figure on this page and the easiest to re-check: the measurements here are a single snapshot. Fees and licence conditions change too, so click through to a source on any row that matters to your decision.

Common questions

Is CoinJar or Digital Surge cheaper in Australia?

On the default route each one puts in front of you, CoinJar. It lands at about 0.1% all in against 0.5%. Those figures are the published fee plus, where the platform has no AUD order book, the cost of converting Australian dollars first. Where we could walk a live book, the measured cost of crossing it is included too.

Which has better execution, CoinJar or Digital Surge?

CoinJar is the only one of the two with a public AUD order book we could measure. It shows a 0.162% touch spread with A$154,101 of asks inside 1% of mid. Digital Surge gives an Australian no AUD book to execute against, so the price you get is a quote or the result of a conversion.

Which is more regulated, CoinJar or Digital Surge?

Both are on the AUSTRAC register. On our trust pillar, which weighs licensing, custody, audits and enforcement history from the sourced facts on each review, CoinJar scores 66 and Digital Surge scores 45. AUSTRAC registration is anti-money-laundering registration, not a financial services licence, and it says nothing about whether your balance is protected.

Which lists more assets, CoinJar or Digital Surge?

CoinJar scores 66 and Digital Surge scores 82 on asset range, which counts what is listed and weighs how much of it is actually reachable in Australian dollars. A large catalogue priced only against USDT is worth less to an Australian buyer than a smaller one priced in AUD.

Can I use both CoinJar and Digital Surge?

Yes, and plenty of Australians do: one platform as the AUD door, the other as the trading venue. Moving crypto between them costs a network fee, so it is only worth the extra step if the fee gap covers it. Both report to AUSTRAC and the ATO's data matching program either way.

Every fact we hold, side by side

All 159 researched facts from the CoinJar and Digital Surge reviews, grouped by the ten sections both pages share. Rows are shown as each platform documents them rather than forced into shared labels, so nothing is re-interpreted on the way here. Every row keeps its own source.

Section
CoinJar
Digital Surge
What it costsTrading fees, subscriptions, deposits and withdrawals 8 vs 8 facts
App instant buy and sellThe simple flow in the CoinJar app and web app. Applies to fiat to crypto, crypto to fiat and crypto to crypto.
1%Flat, no volume tiers
Instant buy by card or walletBuying with Visa, Mastercard, Apple Pay or Google Pay costs double the bank-funded rate.
2%Visa, Mastercard, Apple Pay, Google Pay
Recurring buySetting the same card purchase on a schedule halves the instant-buy card fee.
1%Card-funded recurring buys
CoinJar Exchange - AUD pairsThe order-book venue. Fees fall with 30-day volume across AUD, USD and GBP pairs.
0.10% / 0.10%Maker / taker under $100k, down to 0.02% / 0.06% above $10m
CoinJar Exchange - crypto to cryptoCrypto-to-crypto and crypto-to-stablecoin pairs sit at a flat rate with no maker fee at any volume.
0.00% / 0.06%Maker / taker, all volume tiers
CoinJar Exchange - stablecoin pairsStablecoin-to-fiat and stablecoin-to-stablecoin are the cheapest book on the venue.
0.00% / 0.001%Maker / taker, all volume tiers
AUD deposits and withdrawalsPayID, Osko, NPP and standard bank transfers carry no CoinJar charge in either direction.
FreeBoth ways
Account and subscription feesNo sign-up charge, no monthly platform fee and no charge to open an entity account.
NoneNo setup or monthly charges
Standard trading feeThe rate you pay before any volume discount kicks in. It applies to buys, sells and swaps.
0.5%Digital Surge describes 0.5% as the standard rate for users who have not reached a higher volume tier
Best advertised trading feeThe floor of the volume-based schedule, reached only by high volume traders.
0.1%The headline "fees from 0.1%" on the fees page is the bottom tier, not the rate a new account pays
How the discount worksFees step down automatically based on your trading volume, with nothing to opt into.
Rolling 30-day volumeAutomated volume-based fees were introduced in January 2026 and apply to buys, sells, swaps, trigger orders and recurring buys
Crypto to crypto swapsWhether swapping one coin for another costs you two trades or one.
Single trading feeDigital Surge charges one fee on a swap rather than a sell plus a buy
AUD deposit feeWhat it costs to move Australian dollars onto the platform.
$0Free for both PayID and standard bank transfer
AUD withdrawal feeWhat it costs to move Australian dollars back to your bank.
$0Digital Surge states there are no fees on AUD withdrawals
Crypto withdrawal feesA flat per-asset fee charged when you send coins off the platform.
0.00003 BTC, 0.00013 ETH, 1 USDT, 0.01 SOL, 0.2 XRPPublished on a live fee table that Digital Surge notes is subject to change
Card depositsWhether you can fund with a debit or credit card, which usually carries a surcharge.
Not offeredFunding is bank transfer, PayID or crypto only, so there is no card surcharge to worry about
Limits and the costs that hideSpreads, deposit caps and charges that do not appear on a fee page 8 vs 8 facts
Spread on top of the 1%CoinJar applies a dynamic spread by trade size as well as the headline fee. Larger orders see a wider gap between buy and sell prices.
Dynamic, not publishedWidens with order size
PayPal depositPayPal funding is charged where PayID and bank transfer are not. PayPal withdrawals are free.
0.5%Deposit only
Chargeback or bank investigationDisputing a transaction or asking your bank to investigate triggers a flat charge plus any conversion costs.
$38.50Plus fiat to crypto conversion fees
Card foreign transaction feeSpending overseas or in a foreign currency on the CoinJar Card carries a currency conversion loading.
2.99%+CoinJar Card
Card ATM withdrawalPulling cash out through the CoinJar Card costs a percentage of the withdrawal.
1%Plus any ATM operator fee
Card transaction disputeSeparate to the bank dispute fee, raising a dispute on a CoinJar Card transaction is charged.
$27.50Per dispute
Crypto withdrawal network feeDynamic fees recalculated every 15 minutes, based on the asset and network congestion. CoinJar states it does not mark these up.
Network cost, variableRecalculated every 15 minutes
Card not available on entity accountsIf you trade through a company, trust or SMSF you lose access to the CoinJar Card and its rewards.
Individual accounts onlyCompany, trust and SMSF excluded
Fee tier tableThe volume thresholds that decide which fee you actually pay.
Not published publiclyThe help centre explains the mechanism but directs you to your own profile to see your current tier, so you cannot compare tiers before signing up
SpreadThe gap between the price you get and the market mid price. This is where brokerage-style platforms make quiet money.
Not quantifiedDigital Surge markets "tight spreads" and criticises rivals for hiding costs in spreads, but publishes no spread figure of its own
Crypto withdrawal fee is inclusiveHow the network fee is taken out of a send.
Deducted from the amount you enterEnter 0.05 BTC with a 0.00003 BTC fee and the destination receives 0.04997 BTC
Network fee mark-upWhether the withdrawal fee is the true chain cost or includes a margin.
Not disclosedDigital Surge shows the exact fee before you confirm but does not say whether it passes the network cost through at cost
Maximum single orderThe cap on one instant buy or sell.
Up to $100,000 AUD per transactionVaries by asset, and you can place as many instant orders as you like
Daily AUD limit, personal accountsHow much cash can move in or out of a personal account in a day.
$20,000 per dayApplies to both deposits and withdrawals
Daily AUD limit, corporate accountsThe higher cap for SMSF, business and trust accounts.
$50,000 per dayCovers SMSF, business and trust structures
Limit increase requestsThe rule that governs how often you can ask for more headroom.
One request per 30 daysYou can request either a limit increase or the enabling of crypto sends in a 30-day window, not both
What you can tradeAssets, Australian dollar pairs, staking and derivatives 8 vs 7 facts
Assets listedCoinJar advertises more than 60 leading cryptocurrencies across its app and exchange.
60+Retail app and exchange
400 plusDigital Surge advertises over 400 cryptocurrencies across its site and help centre
Australian dollar pricingEvery listed asset is quoted and traded in AUD on the Australian site, so there is no forced USD or USDT leg for the app flow.
All listed assets in AUDInstant buy flow
Exchange order-book pairsThe professional venue runs more than two hundred trading pairs, quoted as 380+ across AUD, USD, GBP and BTC bases.
200+ pairs380+ AUD, USD, GBP and BTC pairs
BundlesThemed baskets covering areas such as Bitcoin and Ethereum, DeFi and low-carbon assets, with proportional or cap-weighted allocation and one-click rebalancing.
YesRebalancing and Empty Bundle exit
Staking or earnCoinJar's current Australian product line-up covers instant buy, recurring buy, Bundles, Card, Rewards and Exchange. No native staking or interest product is listed.
Not listedRewards points are not a yield product
Derivatives and marginCoinJar Exchange is a spot venue. No futures, perpetuals, options or margin trading are advertised.
Spot onlyNo leverage products
CoinJar RewardsPoints earned on referrals, AUD buys and sells, Card spending and the CoinJar Store, redeemable against transaction fees or store items.
Points programmeAustralia only
OTC deskA concierge trading desk for large orders with guaranteed pricing and Australian-based account managers. Minimum ticket size is not published.
YesMinimum not published
Australian dollar pairsWhether you trade directly against AUD or have to route through a stablecoin.
Direct AUD buy and sell on listed assetsBuying converts AUD to crypto and selling converts crypto back to AUD without an intermediate leg
Crypto to crypto swapsDirect coin-for-coin trades without cashing out to AUD.
SupportedCharged as one trade rather than two
Asset categoriesHow the listings are grouped for browsing.
AI, DeFi, gaming, Layer 1, meme, metaverse, NFT, RWACategory browsing is built into the platform
Staking and earnWhether you can earn yield on holdings inside the platform.
Not part of the current feature setDigital Surge previously ran an Earn product, but staking does not appear among its listed trading features today. Confirm with support before relying on it
Derivatives, margin and leverageWhether you can trade with borrowed money or take short positions.
Not offeredThe platform offers instant orders, trigger orders and recurring buys only
Fiat currencies acceptedWhich national currencies you can fund with.
Australian dollars onlyFunding is AUD via PayID or bank transfer, or a crypto transfer in
How your assets are heldCustody, reserves, insurance and self-custody 8 vs 8 facts
Proof of ReservesThe reserve claim is a statement on CoinJar's own security page. There is no published third-party attestation, merkle tree or customer-verifiable snapshot.
No published attestationClaim only, not independently verifiable
None publishedNo proof of reserves report or third party attestation appears on the security page or elsewhere on the site
InsuranceUp to US$250 million cover is cited on the institutional custody page. The page does not state whether ordinary retail balances are covered, and the insurer is not named.
Up to US$250m citedInstitutional custody context
No insuranceDigital Surge tells users their digital assets are not insured and suggests they consider obtaining their own cover
Custody partnersCustomer crypto is held with BitGo and Fireblocks rather than in wallets CoinJar builds itself.
BitGo and FireblocksThird-party institutional custodians
Cold storage shareCoinJar states more than 90% of assets sit in cold storage, multi-signature or MPC wallets.
90%+Cold, multi-sig or MPC
Reserve backingCoinJar claims full currency reserves at all times, with assets covering more than 100% of customer balances.
Claims 100%+Self-declared
Corporate insuranceCoinJar states its business is covered by Professional Indemnity and Directors and Officers insurance. This protects the company, not your coin balance.
PI and D&ONot a customer asset guarantee
Moving to self-custodyCrypto deposits are free and external withdrawals only cost the network fee, so there is no CoinJar penalty for taking coins off the platform.
Network fee onlyDeposits free
Bug bountyCoinJar runs a public vulnerability disclosure programme with security researchers via HackerOne.
YesHackerOne
Who owns the coinsThe single most important line in the terms. It decides where you stand if the business fails.
Digital Surge holds legal titleThe terms state Digital Surge holds legal title to all fiat and digital assets it holds to your account
Segregation of client assetsWhether your holdings sit in an account identified as yours.
Not segregated per accountDigital Surge states account balances are not segregated on a per-account basis
Custodian statusWhether the platform holds itself out as a custodian or trustee for you.
Expressly not a custodianThe risk disclosure says Digital Surge does not provide custodial or fiduciary services and does not hold your digital assets for you or on your behalf
Assurance FundAn internal pool intended to help cover a counterparty failure.
Exists, but is not insuranceHeld in Australian dollars, sized at Digital Surge's discretion from time to time, with no guarantee it will mitigate a loss
Storage modelHow the keys are actually managed day to day.
Majority cold storage, Fireblocks MPCA dual hot and cold wallet strategy with multi-party computation key management and annual external penetration testing
Self-custody withdrawalsWhether you can move coins to your own wallet.
Supported, fee per assetCrypto sends may need to be enabled on your account first, and that request counts against the one-per-30-days rule
Who can open an accountEntity types onboarded in Australia 8 vs 8 facts
IndividualStandard personal account. CoinJar's terms require members to be at least eighteen years of age.
Yes, 18+ID verification required
YesThe default account type
TrustTrusts are supported. A certified copy or extract of the trust deed is required, including schedules, parties and execution pages.
YesCertified trust deed
YesSupports both individual and corporate trustees
SMSFSMSF is a selectable account type at sign-up, with registered trust details required. CoinJar markets a dedicated SMSF product.
YesSMSF trust deed required
YesA dedicated SMSF account type with its own onboarding path
Joint accountsCoinJar's entity onboarding guide lists company, trust and SMSF only. Joint accounts are not offered as an account type.
Not offeredIndividual or entity only
Not listedDigital Surge's account types article names personal, SMSF, trust and business only
CompanyCompany accounts are onboarded with a dedicated entity email address and separately verified accounts for each director.
YesDirector verification required
MinorsThe terms of service require every member to warrant they are at least eighteen. There is no custodial or under-18 account.
No18+ only
Entity verification timeEntity applications are manually reviewed by CoinJar's compliance team rather than approved instantly.
About 5 business daysManual compliance review
Personal account prerequisiteEvery director, trustee or SMSF member needs their own verified personal CoinJar account under a separate email before the entity account can proceed.
RequiredOne per director or trustee
Company or businessRegistered companies and organisations trading as a corporate entity.
YesRequires an ASIC company extract as part of verification
Minors and under 18sAccounts held for or by children.
Not listedNo minor or custodial account type appears in the supported list
SMSF paperworkWhat you need to hand over to get a fund account open.
Full trust deed, ABN, trustee proofDigital Surge states SMSF approvals are usually completed within 24 hours
Funding source ruleWhose bank account the money is allowed to come from.
Own name onlyThird party deposits are rejected and returned
Trading featuresOrder types, recurring buys, tooling and access 8 vs 8 facts
Recurring buys and DCAWeekly, fortnightly or monthly automated purchases of single assets or Bundles, funded by Visa or Mastercard, pausable at any time.
YesWeekly, fortnightly, monthly
Yes, daily, weekly or monthlyCharged at the same volume-based trading fee as any other order
API accessDocumented REST trading and market data APIs plus a market data WebSocket. Public market data is open, trading needs an advanced API key.
REST and WebSocketFree and documented
Read-only API keysDocumented for connecting tax and portfolio tools rather than for algorithmic trading
Order typesCoinJar Exchange offers limit orders, stops and time-enforced order types through a customisable professional interface.
Limit, stop, time-in-forceCoinJar Exchange
Two platforms, one accountThe same login gives you the simple 1% instant-buy app and the low-fee order book, so beginners can graduate without moving exchanges.
App plus ExchangeShared account
Bundle rebalancingBundles can be re-weighted in one click and wound down with the Empty Bundle function, which sells or transfers the underlying assets.
One-clickProportional or cap-allocated
Matching engineCoinJar runs a proprietary low-latency matching engine and claims no downtime since launching in 2013.
ProprietaryNo downtime claimed since 2013
CoinJar CardA prepaid Mastercard issued by EML Payment Solutions, available as digital and physical, working with Apple Pay and Google Pay. Free to issue.
Active1% spend returned as Rewards points
Status pageA public real-time status page shows wallet and service health, current incidents and scheduled maintenance.
Publicstatus.coinjar.com
Instant ordersBuy or sell straight away at the best available price.
YesRouted through Digital Surge's smart routing rather than a public order book
Trigger ordersSet a price and let the platform execute when it is hit. Used for take profit and stop loss.
YesFunds are not locked while the trigger waits, and fees apply only to trades that actually fill
Limit orders on an order bookResting orders that add liquidity and usually earn a maker discount.
NoOnly instant orders, trigger orders and recurring buys exist, so there is no maker and taker distinction
Price alertsNotifications when an asset reaches a level you care about.
YesSet per asset and delivered automatically
ChartingThe quality of the price charts you get inside the app.
TradingView powered chartsListed as a feature of the mobile app
Demo or paper tradingA practice mode to learn on before risking real money.
Not offeredNo demo account appears in Digital Surge's trading features or education material
Money in and outMinimums, methods and settlement speed 8 vs 8 facts
Minimum depositThere is no minimum for bank transfer deposits. Maximums depend on your verified account limits and your own bank's caps.
NoneBank transfer
$20 AUDApplies to fiat deposits
Crypto depositsReceiving crypto is free whether it comes from an external wallet or another CoinJar member. Internal transfers between members are also free.
FreeExternal and internal
SupportedTiming depends on the blockchain network, and an AUD deposit is still needed to link your bank account
PayID and OskoNear-instant AUD funding from a PayID-enabled Australian bank account. First-time deposits can take up to 24 hours.
Free, minutesFirst deposit up to 24 hours
Bank transferStandard BSB and account number transfers. Instant where your bank supports Osko, otherwise one to three business days.
FreeInstant with Osko, else 1-3 business days
Card and mobile walletVisa, Mastercard, Apple Pay and Google Pay buy crypto instantly, but at double the app's bank-funded rate.
2%Instant settlement
PayPalPayPal is accepted for AUD funding at a charge, and PayPal withdrawals are free.
0.5% in, free outAUD
AUD withdrawalWithdrawing Australian dollars to your bank account costs nothing on CoinJar's side.
FreeBank transfer
Crypto withdrawalsCharged at a dynamic network fee that varies by asset and congestion, recalculated every 15 minutes with no stated CoinJar markup.
Network feeRecalculated every 15 minutes
PayID and Osko depositsThe fast rail for getting cash in.
Usually under 60 secondsSome banks may hold a first PayID deposit for up to 24 hours
Standard bank transferThe fallback if your bank does not do PayID.
1 to 2 business daysNear instant if your bank supports Osko or the New Payments Platform
Minimum AUD withdrawalThe smallest amount you can take out.
$20 AUDYour bank account links automatically after your first AUD deposit
AUD withdrawal speedHow long the cash takes to land back in your bank.
Instant on Osko and NPP banksUp to 24 hours where the bank does not support fast payments
First withdrawal delayA security hold applied the first time you cash out.
24 hour delayApplies to your first AUD withdrawal only
Cancelling a withdrawalWhether you can pull back a request after you send it.
Not possibleDigital Surge states withdrawals cannot be cancelled once submitted
Tax and reportingWhat you get at tax time, and what you do not 8 vs 8 facts
Transaction history exportTrading and transaction history can be downloaded as CSV from both the app and CoinJar Exchange for tax purposes.
CSV exportApp and Exchange
CSV, date range selectableAvailable alongside a downloadable account statement
Native tax reportCoinJar does not generate a finished capital gains or ATO-ready tax report. You export data and take it elsewhere.
Not providedExport and use third-party software
KoinlyKoinly connects to CoinJar by API or CSV upload and produces an ATO myTax-ready report.
API and CSVmyTax report
CoinTrackerCoinTracker imports CoinJar trades, purchases, sales and rewards and generates ATO-compliant reports for myTax or your accountant.
SupportedATO-compliant output
CoinLedgerCoinLedger lists a dedicated CoinJar integration for calculating gains and generating tax reports.
SupportedThird-party
ATO data sharingAs an AUSTRAC-registered exchange CoinJar is inside the ATO's crypto data-matching net, so assume your activity is visible to the ATO.
Assume reportedAUSTRAC-registered DCE
API for tax toolingThe documented Exchange REST API lets tax software and accountants pull trade history programmatically rather than by manual export.
AvailableAdvanced API key
Institutional reportingBusiness, trust and SMSF clients get audit-ready reporting and real-time transaction tracking through the institutional custody offering.
Audit-ready reportsEntity and institutional accounts
Capital gains reportWhether the platform itself works out what you owe.
Not produced in-platformDigital Surge relies on third party tax providers, and their full capital gains and income reports sit behind paid plans
Tax software integrationsWhich crypto tax tools you can connect to.
Koinly, Syla, Summ, CoinLedger, CoinTrackingConnect by read-only API key or CSV export. Summ was formerly Crypto Tax Calculator
EOFY prices statementA 30 June valuation of your holdings, useful for fund and company reporting.
Available to downloadDocumented as a standard end of financial year download
BGL data sharingDirect feed into the SMSF administration software most Australian funds use.
SupportedA meaningful advantage for SMSF trustees over exchanges that require manual imports
Accountant accessLetting your adviser see the account without handing over your login.
Built-in data sharingCovers accountants and SMSF providers
Portfolio return trackingWhether the app shows realised as well as unrealised gains.
Both, and you choose the methodYou can set a preferred wallet return calculation
Australian tax guidancePlain English help on how the ATO treats crypto.
In-house guideCovers capital gains and treatment of staking rewards as income
Platform and supportApps, account security and how you reach a human 8 vs 8 facts
Two-factor authentication2FA is available by SMS or an authenticator app. Hardware key support is not advertised.
SMS or authenticator appNo hardware key documented
Compulsory for all usersA second verification step is also required on withdrawals
Mobile appsNative iOS and Android apps carry the full instant buy, Bundles, Card and recurring buy experience.
iOS and AndroidPlus web app and Exchange
iOS and AndroidThe iOS app is published by Digital Surge Pty Ltd and rated 4.1 from 423 ratings on the Australian store
Support hoursCoinJar's support page lists Monday to Friday, 9am to 3am Australian Eastern Time.
Mon-Fri, 9am-3am AETPer the support page
Weekend supportThe SMSF page advertises seven-day cover at 9am to 2am weekdays and 9am to 5.30pm weekends, which conflicts with the support page's weekday-only hours.
Listed on SMSF page9am-5.30pm Sat-Sun AEST
Australian teamCoinJar states support is handled by a local in-house team rather than an offshore outsourcer.
In-house, localAustralia-based
Contact channelsSupport runs through a ticket portal and email. A separate complaints address is published in the legal terms. No published phone line for retail.
Ticket and emailsupport@ and complaints@coinjar.com
Fraud monitoringMachine learning systems flag suspicious logins, account takeovers and financial fraud, backed by multi-level encryption and isolated internal networks.
AutomatedPlus staff background checks
Security research programmeAn active bug bounty and vulnerability disclosure policy runs through HackerOne, alongside ongoing security audits.
Public bountyHackerOne
Android appThe Google Play listing.
AvailablePublished under the package au.com.digitalsurge
Live chatThe fastest way to get a person.
365 days a yearAustralian-based team, with response times typically within a few minutes
Tickets and emailThe slower channel for anything that needs a paper trail.
24/7 ticket submissionAnswered by the same Australian support team
Phone and account managersWhether you can actually speak to someone.
Specialist appointments availableYou book a time with an account manager rather than calling a general hotline. The app listing also lists phone support
Withdrawal address controlsProtection against an attacker sending your coins somewhere new.
New addresses need email confirmation and 2FAYou can also restrict external transfers entirely, and accounts can be locked instantly if unauthorised access is detected
EducationLearning material for people new to crypto.
In-house guides hubBeginner guides on blockchain, research, strategy and portfolio diversification
Trust and regulationThe entity you are actually contracting with 8 vs 8 facts
AUSTRAC registrationRegistered as a digital currency exchange provider under the AML/CTF Act 2006.
DCE100749118-001Registered DCE and VASP
Registered, number 100576214Stated in Digital Surge's own terms and conditions
Australian legal entityYour contract is with CoinJar Australia Pty Ltd, registered at 805/220 Collins Street, Melbourne.
CoinJar Australia Pty LtdACN 648 570 807
AFSLCoinJar does not hold its own Australian Financial Services Licence. It acts as an authorised representative of EML Payment Solutions for the CoinJar Card only, and crypto trading itself sits outside that authorisation.
No own AFSLAR 1290193 under EML AFSL 404131
Card issuerThe CoinJar Card is a prepaid Mastercard issued by EML Payment Solutions Limited, ABN 30 131 436 532, with its own PDS, FSG and target market determination.
EML Payment SolutionsAFSL 404131
UK entity and FCACoinJar UK Limited is registered with the Financial Conduct Authority as a Cryptoasset Exchange Provider and Custodian Wallet Provider under the 2017 Money Laundering Regulations.
FCA FRN 928767Company number 8905988
Track recordFounded in Melbourne in 2013 by Asher Tan and Ryan Zhou, making it one of Australia's oldest continuously operating exchanges, now serving 800,000+ customers.
Since 2013800,000+ customers
Security incident historyNo customer-fund breach has been publicly reported across CoinJar's operating history, and CoinJar claims no downtime since 2013. Absence of reports is not the same as an audited record.
None reportedNo published breach
Terms currencyThe Australian terms of service were last updated with effect from 28 May 2026, and separate terms apply for UK and Irish customers.
Effective 28 May 2026Separate UK and IE terms
Legal entityThe company name on your customer agreement.
Digital Surge Pty Ltd, ACN 620 473 109ABN 89 620 473 109, an active Australian private company registered in Queensland since July 2017
Australian Financial Services LicenceWhether the platform is licensed by ASIC to deal in financial products.
No AFSLThe terms state Digital Surge does not hold or operate under an AFSL and does not offer financial advice. AUSTRAC registration is an anti money laundering measure, not consumer protection
Voluntary administration, December 2022The event that matters most in this platform's history.
Administrators appointed 8 December 2022Digital Surge froze customer accounts from 16 November 2022 with roughly A$33m of customer-related assets trapped in the FTX collapse. About 22,000 to 22,500 customers were affected. KordaMentha was appointed administrator
Deed of company arrangementThe rescue deal creditors voted for instead of liquidation.
Approved January 2023, signed 15 February 2023Creditors voted it up with about 90% support, backed by a A$1.25m loan from related business Digico. The exchange resumed trading rather than being wound up
What customers actually got backThe recovery rate, which is the number that matters. Customers were not made whole.
Estimated 55% of claim value, plus the rest over five yearsATO class ruling CR 2024/50 records that the DOCA provided customers and unsecured trade creditors an estimated 55% of the AUD value of their claim as at 8 December 2022. Balances under A$250 were repaid in full. The remainder was to be paid from company profits over five years
Where the DOCA stands nowWhether the company is still under external administration.
DOCA terminated, claims moved to a Creditors' TrustOn termination Digital Surge was released from participating creditors' claims and each creditor became a beneficiary of a Creditors' Trust instead. The trading company is no longer in external administration
Ownership todayWho controls the business now.
Privately held, Australian owned and operatedBrisbane based and still run by its founders. It was not acquired or absorbed by a larger group after the administration
Checked on 26 July 2026. 15 facts happened to line up by name and are shown as single rows; the rest sit in each platform's own column. Hover a row: src opens the primary document, flags that platform's value as wrong.
VisitCoinJarcoinjar.com VisitDigital Surgedigitalsurge.com.au
Registrations, licences, fees and product availability change. Check the current AUSTRAC Virtual Asset Service Provider Register and each platform's own disclosures before depositing. This page is general information only, not financial advice, and contains modelled figures where a platform does not publish a rate. Coindaily may earn a commission from links marked as such - it never changes the ranking or the data.

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