The Rock Published terms for CoinJar
Product covered CoinJar Exchange AUD, USD and GBP pairs.
Fee tier 30-day trading volume up to $100,000, fees including GST.
What we checked on CoinJar
- Spot fee schedule: CoinJar Exchange AUD, USD and GBP pairs, 30-day trading volume up to $100,000, fees including GST, checked 22 October 2026. Provider fee page
- Contracting entity: CoinJar Australia Pty Ltd, from CoinJar fees and spread, fetched 22 October 2026. Source
- Register lookup: AUSTRAC Virtual Asset Service Provider Register, 22 October 2026: listed, current. Entity: CoinJar Australia Pty Ltd (trading name CoinJar), ABN 75648570807. Register
- Register lookup: ASIC Australian Financial Services Representative Register (ASIC dataset on data.gov.au), 22 October 2026: listed, current. Entity: CoinJar Australia Pty Ltd, AR 1290193 of AFSL 404131. Register
- Regulatory and reputation screen: 22 October 2026. Methodology
Not checked: opening an account, deposits, withdrawals, live orders and customer support.
Who checked this page: our research process, in which an AI language model works from the sources listed and automated checks compare figures with those sources. No named person has reviewed this page.
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CoinJar pros and cons
Pros
- CoinJar Australia Pty Ltd is listed on AUSTRAC's Virtual Asset Service Provider Register with no conditions shown (searched 22 October 2026)
- CoinJar Exchange charges 0.10% taker and maker on AUD pairs in the lowest 30-day volume band, including GST
- PayID, Osko, NPP and bank transfer deposits and bank withdrawals carry no fee on the published fees
- The terms say at least 90% of cryptoassets are kept in cold storage, multi-sig or MPC wallets, with BitGo and Fireblocks technology
- Trading in Australia since 2013, according to CoinJar (company statement)
Cons
- The CoinJar app charges 1% to buy, sell or convert, ten times the CoinJar Exchange rate on AUD pairs in the lowest volume band
- Card, Apple Pay and Google Pay purchases cost 2%, and PayPal deposits cost 0.5% and can only be used to buy crypto
- Custodial: the terms say part of the balances sit with BitGo Trust Company in the United States, whose insurance does not cover all balances or account takeovers
- The authorised representative appointment (1290193) covers the CoinJar Card under EML Payment Solutions Limited's AFS licence, not crypto trading
- No audit of reserves or proof-of-reserves report found on the pages we checked (22 October 2026)
Who runs CoinJar and what it offers
CoinJar's Australian service is run by CoinJar Australia Pty Ltd, which its terms of service name as the customer's sole counterparty, with ACN 648 570 807 and a registered office at 117/530 Little Collins Street, Melbourne, Victoria 3000. The ABN Lookup record lists ABN 75 648 570 807 as active from 10 March 2021, with the business name CoinJar registered to it. CoinJar's about page says the business has served customers since 2013 and has helped more than 800,000 people worldwide (company figures), and names co-founders Asher Tan and Ryan Zhou. Its Australian site lists buying, selling and converting in the app, CoinJar Exchange with market, limit and stop-limit orders, recurring buys, bundles, PayPal deposits and the CoinJar Card issued by EML Payment Solutions Limited, plus more than 60 cryptocurrencies. The terms require customers to be at least 18.
CoinJar's Australian entity, CoinJar Australia Pty Ltd, appears on the AUSTRAC Virtual Asset Service Provider Register with no conditions shown (we searched the register on 22 October 2026). ASIC's representative dataset lists CoinJar Australia Pty Ltd as authorised representative 1290193 of EML Payment Solutions Limited (AFSL 404131) from 12 July 2021, an appointment CoinJar's own disclosures tie to the CoinJar Card, which is issued by EML Payment Solutions Limited under that licence; the appointment is not a licence for crypto trading. No AFS licence of its own is listed for CoinJar Australia Pty Ltd in ASIC's licensee dataset.
On cost, the route drives the published fees: 1% in the CoinJar app against 0.10% on CoinJar Exchange on AUD pairs in the lowest band. Our arithmetic below shows A$10.00 against A$1.00 on A$1,000 of Bitcoin bought through each route.
On safety, CoinJar says it stores at least 90% of cryptoassets, including customer assets, in cold storage, multi-sig or MPC wallets, and its homepage says it maintains full reserves covering more than 100% of customer balances (company statements). We found no audit of reserves or proof-of-reserves report on the pages we checked on 22 October 2026. The terms say part of the balances sit with BitGo Trust Company in the United States, whose insurance does not cover all balances, does not cover loss from unauthorised access to a customer's account, and does not cover transfers the customer authorised, and that the risk of an account being compromised cannot be eliminated.
How popular is CoinJar in Australia?
Search interest shows how often Australians search for each brand. It measures attention, not quality.
- 5,800
- Brand searches, September 2026
- +83.5%
- vs August 2026
- 930
- Login searches
- 1.4%
- Share of all searches
Source: Google search volume, Australia, September 2026. How we measure it
CoinJar worked example on buying and selling A$1,000 of Bitcoin
Inputs come from the CoinJar fees page, checked 22 October 2026. No account was opened and no order was placed.
Inputs
- Deposit A$1,000 by PayID or bank transfer (free)
- Buy A$1,000 of Bitcoin, on CoinJar Exchange (AUD pair, taker 0.10%) or in the CoinJar app (1%)
- Later sell A$1,000 of Bitcoin by the same route
- Withdraw the AUD to an Australian bank account (free)
Fees on each step
| Step | Route | Published fee | Fee on this step |
|---|---|---|---|
| Deposit | PayID or bank transfer | Free | A$0.00 |
| Deposit (alternative) | PayPal (crypto purchases only) | 0.5% | A$5.00 |
| Buy | CoinJar Exchange taker order (lowest volume band) | 0.10% | A$1.00 |
| Buy (alternative) | CoinJar app | 1% | A$10.00 |
| Buy (alternative) | Visa or Mastercard or Apple Pay or Google Pay purchase | 2% | A$20.00 |
| Sell | CoinJar Exchange taker order | 0.10% | A$1.00 |
| Sell (alternative) | CoinJar app | 1% | A$10.00 |
| Withdrawal | Bank transfer | Free | A$0.00 |
Totals
| Route (PayID in and bank out) | Fees on both orders |
|---|---|
| CoinJar Exchange buy and sell | A$2.00 |
| CoinJar app buy and sell | A$20.00 |
The arithmetic excludes the difference between buy and sell prices, the spread in the CoinJar app or the order book spread on CoinJar Exchange, the dynamic network fee for sending Bitcoin to an external wallet, which CoinJar says is recalculated every 15 minutes, and any Bitcoin price change between buy and sell. The Exchange figures use the lowest 30-day volume band, under A$100,000, at the taker rate; the maker rate there is also 0.10%.
Fee arithmetic sources checked 22 October 2026
- App, Exchange, card and PayPal fees: CoinJar fees page
- Custody and account terms: CoinJar legal page, terms effective 10 September 2026
CoinJar spot trading fees in the app and on CoinJar Exchange
CoinJar's fees differ by route. In the CoinJar app, the fee is 1% to convert fiat to crypto, crypto to fiat and crypto to crypto, 2% on Visa, Mastercard, Apple Pay and Google Pay purchases, and 1% on recurring buys made with cards. On CoinJar Exchange, AUD, USD and GBP pairs are charged by 30-day volume, with taker and maker fees of 0.10% up to A$100,000, taker 0.10% and maker 0.08% to A$1 million, taker 0.08% and maker 0.04% to A$10 million, and taker 0.06% and maker 0.02% at A$10 million and above. Crypto-to-crypto pairs carry taker 0.06% and maker 0.00%, and stablecoin-to-fiat and stablecoin-to-stablecoin pairs carry taker 0.001% and maker 0.00%. These Exchange fees include GST. CoinJar Card purchases carry a 1% fee, which CoinJar says is returned as rewards points. We checked the fees page on 22 October 2026.
| Recorded fee | Rate per executed order |
|---|---|
| Maker | 0.1% |
| Taker | 0.1% |
CoinJar Exchange order book for AUD, USD and GBP trading pairs only. Excludes the CoinJar app's 1% buy, sell and convert fee, 2% card purchases, bundles, crypto-to-crypto and stablecoin pairs, PayPal deposits and network withdrawal fees.
Provider fee information · Schedule checked .
| Route | What it covers | Published fee on 22 October 2026 (Exchange rates include GST) |
|---|---|---|
| CoinJar app | Buy or sell or convert | 1% |
| CoinJar app | Visa or Mastercard or Apple Pay or Google Pay purchase | 2% |
| CoinJar app | Recurring buy with a card | 1% |
| CoinJar Exchange (AUD and USD and GBP pairs) | Taker and maker in the lowest 30-day volume band | 0.10% and 0.10% |
| CoinJar Exchange (AUD and USD and GBP pairs) | Taker and maker in the top volume band | 0.06% and 0.02% |
| CoinJar Exchange (crypto-to-crypto pairs) | Taker and maker | 0.06% and 0.00% |
CoinJar regulation and safety
CoinJar Australia Pty Ltd is registered with AUSTRAC for anti-money laundering purposes, is an authorised representative of a licensee for its prepaid card only, and holds customers' coins in wallets it and its custody providers manage. A registration is not a guarantee: AUSTRAC registration concerns anti-money laundering and counter-terrorism financing obligations. The custodian's insurance that CoinJar's terms describe does not cover all balances.
AUSTRAC registration and the ASIC record
CoinJar's AUSTRAC Virtual Asset Service Provider register entry shows legal name COINJAR AUSTRALIA PTY LTD, trading name COINJAR, ABN 75648570807, an address in Melbourne and no conditions shown (AUSTRAC register, searched 22 October 2026). AUSTRAC has regulated virtual asset service providers since 2018, and it says the public register lists all registered providers (AUSTRAC article, dated 30 June 2026).
ASIC's AFS representative dataset (downloaded 22 October 2026) lists CoinJar Australia Pty Ltd as authorised representative 1290193 of AFS licence 404131, held by EML Payment Solutions Limited, from 12 July 2021, with status current. CoinJar's own disclosures, on its fees page and card pages, record that this appointment relates to the CoinJar Card, a prepaid Mastercard issued by EML. No AFS licence is listed for CoinJar Australia Pty Ltd itself. CoinJar's security page says it is also registered with the UK Financial Conduct Authority for anti-money laundering purposes, which we did not check. We found no CoinJar entry on AUSTRAC's enforcement actions page or its virtual asset registration actions page on 22 October 2026.
Custody and the terms
CoinJar holds the coins in wallets it manages with its custody providers. Its terms say "we store at least 90% of all cryptoassets, including customer assets, in cold storage wallets, multi-signature (multi-sig) wallets, or multi-party computation (MPC) wallets", with multi-sig and MPC features supported by technology providers BitGo, Inc. and Fireblocks Ltd. The terms say a portion of cryptoasset balances are held in custody by BitGo Trust Company, Inc., a South Dakota chartered trust company, which holds limited insurance policies for the cryptocurrencies in its custody. The terms state that the insurance does not apply to the entirety of balances and does not cover loss caused by unauthorised access to a customer's CoinJar account or by transfers the customer authorised. The terms also say the risk of an account being compromised, with loss of some or all of the customer's digital currency, cannot be eliminated by CoinJar.
Register sources checked 22 October 2026
- AUSTRAC register entry: Virtual Asset Service Provider Register, searched 22 October 2026
- ASIC datasets: AFS licensee and representative datasets on data.gov.au, downloaded 22 October 2026
- Company record: ABN Lookup, ABN 75648570807, extracted 22 October 2026
- AUSTRAC lists checked for a CoinJar entry: enforcement actions and virtual asset registration actions, 22 October 2026
CoinJar AUD deposits and withdrawals
| Method | Direction | Published fee (22 October 2026) |
|---|---|---|
| PayID or Osko or NPP | Deposit | Free |
| Bank transfer | Deposit | Free |
| PayPal (crypto purchases only) | Deposit | 0.5% |
| Bank transfer | Withdrawal | Free |
| PayPal (from crypto sales) | Withdrawal | Free |
| Crypto to an external wallet | Withdrawal | Dynamic network fee recalculated every 15 minutes |
Is CoinJar available in Australia?
CoinJar FAQs
Is CoinJar safe to use in Australia?
CoinJar Australia Pty Ltd is listed on AUSTRAC's Virtual Asset Service Provider Register as at 22 October 2026 and holds no AFS licence of its own in ASIC's licensee dataset. CoinJar says at least 90% of cryptoassets are in cold storage, multi-sig or MPC wallets, and that it holds full reserves. The terms say part of the balances sit with BitGo Trust Company in the United States, whose insurance does not cover all balances or account takeovers, and that account compromise risk cannot be eliminated.
Who runs CoinJar?
The Australian service is run by CoinJar Australia Pty Ltd (ABN 75 648 570 807), an Australian private company with its registered office in Melbourne. ABN Lookup shows the ABN active since 10 March 2021. CoinJar says it was founded in 2013 and names Asher Tan (CEO) and Ryan Zhou as co-founders. AUSTRAC's register shows an address in Melbourne.
What does CoinJar charge?
CoinJar charges 1% to buy, sell or convert in the CoinJar app, and 2% on purchases by card, Apple Pay or Google Pay. On CoinJar Exchange, the fee is 0.10% taker and maker on AUD pairs up to A$100,000 of 30-day volume; in the A$100,000 to A$1 million band the taker rate stays at 0.10% while the maker rate falls to 0.08%, and both fall further in the bands above. PayID, Osko and bank transfer deposits and bank withdrawals are free. PayPal deposits cost 0.5%. Sending crypto to an external wallet address carries a dynamic network fee that varies by cryptocurrency and network congestion, while transfers to CoinJar members are free. On A$1,000 of Bitcoin, the fee is A$1.00 on CoinJar Exchange and A$10.00 in the app (our arithmetic, fees checked 22 October 2026).
How many cryptocurrencies can I trade on CoinJar?
CoinJar's Australian site lists 60+ cryptocurrencies, and we checked that list on 22 October 2026. Crypto-to-crypto conversions in the app cost 1%. Crypto-to-crypto pairs on CoinJar Exchange cost 0.06% taker and 0.00% maker.
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