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CoinJar

AUSTRAC RegisteredUK FCA RegisteredBook + Instant Buy

Trade on CoinJar ↗

Australia's oldest exchange, with a rare dual footprint: AUSTRAC-registered at home and FCA-registered in the UK, plus a Mastercard that spends crypto like cash.

Headquarters

Melbourne · UK arm in London

Founded

2013

AUSTRAC

Registered - CoinJar Australia Pty Ltd, ABN 75 648 570 807VASP register, checked 25 Jul 2026

AU Entity

CoinJar Australia Pty Ltd

AUD Deposits

PayID · Card · Bank

Model

Order book

Assets

60+

Coindaily Score

74 /100

Regulatory standing in Australia

Founded in Melbourne in 2013, CoinJar is the oldest continuously operating Australian exchange, AUSTRAC-registered locally with a UK arm registered with the Financial Conduct Authority as a cryptoasset business - a dual-jurisdiction footprint none of the other locals have.

It also owns a piece of Australian crypto tax history: in 2014 it relocated operations to the UK when GST was being applied twice to crypto purchases, and returned focus home after the double-taxation was fixed in 2017. The episode helped make the case that fixed Australian crypto GST treatment.

Its record since has been quiet and clean, with both an order-book exchange and an instant-buy product, so users can choose execution over convenience.

Costs in practice

Maker

0.10%

Taker

0.10%

Typical Spread

0.30%

Effective Cost

~0.40%

Order-book venue: effective cost ≈ taker fee + spread. Figures match the Coindaily exchanges table and are modelled; check the live schedule before trading.

coinjar.com

CoinJar homepage

Homepage as served to Australian visitors · captured Jun 2026

Local offerings & AUD rails

AUD rails: PayID, bank transfer and card purchases
Both a real order book (CoinJar Exchange) and Instant Buy - pick your cost model
CoinJar Card: a Mastercard that spends crypto balances anywhere
UK FCA-registered arm for users on both sides
Clean decade-plus operating record

Where it wins

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

Where it costs you

~60 assets - mid-sized menu
Exchange liquidity is modest; large orders need care
Brand quieter than the marketing-heavy locals

Trading fee from

0.00% maker on CoinJar Exchange, 1% in the app

https://www.coinjar.com/au/fees

AUD deposit

Free via PayID, Osko and bank transfer

https://www.coinjar.com/au/fees

SMSF accounts

Yes - SMSF, company and trust accounts supported

https://www.coinjar.com/au/smsf

What it costs

Trading fees, subscriptions, deposits and withdrawals

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

Limits and the costs that hide

Spreads, deposit caps and charges that do not appear on a fee page

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

What you can trade

Assets, Australian dollar pairs, staking and derivatives

Assets listedCoinJar advertises more than 60 leading cryptocurrencies across its app and exchange.

60+Retail app and exchange

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

How your assets are held

Custody, reserves, insurance and self-custody

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

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

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

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 can open an account

Entity types onboarded in Australia

IndividualStandard personal account. CoinJar's terms require members to be at least eighteen years of age.

Yes, 18+ID verification required

CompanyCompany accounts are onboarded with a dedicated entity email address and separately verified accounts for each director.

YesDirector verification required

TrustTrusts are supported. A certified copy or extract of the trust deed is required, including schedules, parties and execution pages.

YesCertified trust deed

SMSFSMSF is a selectable account type at sign-up, with registered trust details required. CoinJar markets a dedicated SMSF product.

YesSMSF trust deed required

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

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

Trading features

Order types, recurring buys, tooling and access

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

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

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

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

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

Money in and out

Minimums, methods and settlement speed

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

Minimum depositThere is no minimum for bank transfer deposits. Maximums depend on your verified account limits and your own bank's caps.

NoneBank transfer

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 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

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

Tax and reporting

What you get at tax time, and what you do not

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

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

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

Platform and support

Apps, account security and how you reach a human

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

Two-factor authentication2FA is available by SMS or an authenticator app. Hardware key support is not advertised.

SMS or authenticator appNo hardware key documented

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

Mobile appsNative iOS and Android apps carry the full instant buy, Bundles, Card and recurring buy experience.

iOS and AndroidPlus web app and Exchange

Security research programmeAn active bug bounty and vulnerability disclosure policy runs through HackerOne, alongside ongoing security audits.

Public bountyHackerOne

Trust and regulation

The entity you are actually contracting with

Australian legal entityYour contract is with CoinJar Australia Pty Ltd, registered at 805/220 Collins Street, Melbourne.

CoinJar Australia Pty LtdACN 648 570 807

AUSTRAC registrationRegistered as a digital currency exchange provider under the AML/CTF Act 2006.

DCE100749118-001Registered DCE and VASP

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

Figures are read from CoinJar's own published schedules and disclosures. Crypto platforms change pricing and product availability often - click source on any row to check it yourself, and dispute anything that looks wrong.

Frequently asked questions

How long has CoinJar been around?

Since 2013 - the oldest continuously operating Australian exchange, AUSTRAC-registered with a UK arm registered with the FCA.

What is the cheapest way to trade on CoinJar?

CoinJar Exchange, the order book, at 0.1% fees. Instant Buy is more convenient but carries a spread around 0.3% or more.

What does the CoinJar Card do?

It is a Mastercard that converts crypto balances at the point of sale, letting you spend holdings anywhere Mastercard is accepted, with ATO record-keeping implications for each disposal.

Registrations, licences and product availability change. Check the current AUSTRAC Virtual Asset Service Provider Register and the platform's own disclosures before depositing. This page is general information only, not financial advice, and may contain modelled figures.

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