The Rock Cointree regulatory record
| Date | Authority | Record | Amount | Status | Primary source |
|---|---|---|---|---|---|
| AUSTRACAustralia's financial intelligence agency; Australia | Financial penalty | AUD 75,120 | Resolved | "Crypto exchange $75k out of pocket for missing reporting deadlines"AUSTRAC, fetched 22 October 2026 |
Published terms for Cointree
Product covered Cointree buy, sell and trade.
Fee tier Standard tier, before 90-day volume or referral tiers.
What we checked on Cointree
- Spot fee schedule: Cointree buy, sell and trade, Standard tier, before 90-day volume or referral tiers, checked 22 October 2026. Provider fee page
- Contracting entity: Cointree Pty. Ltd., from Cointree fees, fetched 22 October 2026. Source
- Register lookup: AUSTRAC Virtual Asset Service Provider Register, 22 October 2026: listed, current. Entity: Cointree Pty Ltd, ABN 36167203303. Register
- Register lookup: ASIC Australian Financial Services Licensee and Representative Registers (ASIC datasets on data.gov.au), 22 October 2026: not found. Entity: Cointree Pty Ltd. 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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Cointree pros and cons
Pros
- Listed on AUSTRAC's Virtual Asset Service Provider Register with no conditions shown (searched 22 October 2026)
- PayID and online bank transfer deposits and AUD withdrawals carry no fee on the published fees
- One trading fee per order, with the tier set by 90-day trade volume or referrals (Standard 0.75%, Pro 0.6%, Elite 0.5%)
- Cash deposits accepted at retail locations, 1,500+ according to Cointree's fees page, with no fee stated
- Cointree says 98% of funds are stored offline and requires two-step verification for crypto withdrawals (company statements)
Cons
- The 0.5% rate on Cointree's homepage is the Elite tier; the Standard tier of 0.75% applies until a Pro or Elite threshold is met
- AUSTRAC issued Cointree Pty Ltd infringement notices totalling A$75,120 in May 2025 for alleged late suspicious matter reports, which Cointree paid
- Custodial: clause 3.3 of the terms allows coins to be held on third-party exchanges, and the terms give no warranty that those exchanges are solvent or safe from hacking
- No AFS licence or authorised representative appointment on ASIC's datasets for the operator (downloaded 22 October 2026)
- No audit or proof-of-reserves report found on the pages we checked (22 October 2026)
Who runs Cointree and what it offers
Cointree is operated by Cointree Pty Ltd, ABN 36 167 203 303, and its terms of service require an individual to be over the age of 18. ABN Lookup shows the ABN active since 12 December 2013 with a main business location in Victoria and no street address. AUSTRAC's Virtual Asset Service Provider Register shows an address in Hawthorn, Victoria. Cointree's about page says it was founded in 2013 and built in Melbourne, and that it offers 200+ coins and portfolios, and lists a referral programme. The site also lists buying, selling and trading, gold trading and an OTC desk. The terms define two-step authentication as an optional feature using an eligible mobile phone number.
Cointree Pty Ltd is listed on AUSTRAC's Virtual Asset Service Provider Register with no conditions shown, which we checked on 22 October 2026. AUSTRAC's media release of 16 May 2025 records infringement notices totalling A$75,120 for alleged late suspicious matter reports, paid in full, which AUSTRAC says concludes the matter. ASIC's AFS licensee and representative datasets hold no row for Cointree Pty Ltd, so no AFS licence or representative appointment is on record for the operator.
The Standard trading fee is 0.75%. Our arithmetic below puts the trading fees on two separate orders, buying A$1,000 of Bitcoin and later selling A$1,000 of Bitcoin, at A$15.00.
Cointree is a custodial exchange. Its security page says 98% of funds are stored offline. We found no audit or proof-of-reserves report on the pages we checked on 22 October 2026. Clause 3.3 of the terms says coins may be held in Cointree's wallets or on third party exchanges, and the terms give no warranty that those exchanges are solvent or safe from hacking.
How popular is Cointree in Australia?
Search interest shows how often Australians search for each brand. It measures attention, not quality.
- 1,000
- Brand searches, September 2026
- 0.0%
- vs August 2026
- 320
- Login searches
- 0.2%
- Share of all searches
Source: Google search volume, Australia, September 2026. How we measure it
Cointree worked example on buying and selling A$1,000 of Bitcoin
Inputs come from the Cointree fees page and terms, checked 22 October 2026. No account was opened and no order was placed.
Inputs
- Deposit A$1,000 by PayID or online bank transfer (free)
- Buy A$1,000 of Bitcoin at the Standard tier
- Later sell A$1,000 of Bitcoin at the Standard tier
- Withdraw the AUD to an Australian bank account (free)
Fees on each step
| Step | Route | Published fee | Fee on this step |
|---|---|---|---|
| Deposit | PayID or online bank transfer | Free | A$0.00 |
| Buy | Standard tier | 0.75% | A$7.50 |
| Buy if the Pro tier applied instead (alternative to the Standard buy) | A$30000 of 90-day volume or 3 referrals | 0.6% | A$6.00 |
| Buy if the Elite tier applied instead (alternative to the Standard buy) | A$100000 of 90-day volume or 9 referrals | 0.5% | A$5.00 |
| Sell | Standard tier | 0.75% | A$7.50 |
| Withdrawal | AUD to an Australian bank account | Free | A$0.00 |
Totals
| Tier (PayID in and bank out) | Fees on both orders |
|---|---|
| Standard (0.75% on each order) | A$15.00 |
| Pro (0.6% on each order) | A$12.00 |
| Elite (0.5% on each order) | A$10.00 |
The arithmetic leaves out the difference between buy and sell prices, which Cointree's terms say is disclosed with any fees when an instruction is lodged. It also leaves out the network fee for sending Bitcoin to an external wallet, and any change in the Bitcoin price between the buy and the sell. The arithmetic uses the Standard tier of 0.75%; the Pro tier (0.6%) needs A$30,000 of trade volume or 3 referrals in 90 days.
Fee arithmetic sources checked 22 October 2026
- Trading fee tiers and AUD funding fees: Cointree fees page
- Price and fee disclosure when an instruction is lodged: Cointree terms of service, last updated 26 November 2025
Cointree spot trading fees by tier
Cointree charges one fee on each buy, sell or trade order, in three tiers. The Standard tier is 0.75%. The Pro tier is 0.6% and requires A$30,000 of trade volume or 3 referrals. The Elite tier is 0.5% and requires A$100,000 of trade volume or 9 referrals. Thresholds are measured over the past 90 days, account tiers are reviewed automatically every day, and the referral threshold counts new eligible referrals. We checked the fees page on 22 October 2026.
Cointree's about page says fees are "as low as 0.5% and lower for coin-to-coin trades" and its homepage says "low trading fees from 0.5%"; the 0.5% figure is the Elite rate. The terms say prices and fees are disclosed when an instruction is lodged. Crypto withdrawals carry a dynamic network fee set by the destination network and shown on the withdrawal page.
| Recorded fee | Rate per executed order |
|---|---|
| Trade fee | 0.75% |
Cointree buy, sell and trade orders at the Standard tier; the Pro (0.6%) and Elite (0.5%) tiers need 90-day trade volume or referrals. Excludes portfolios, gold, OTC and crypto withdrawal network fees.
Provider fee information · Schedule checked .
| Tier | How the tier is reached (past 90 days) | Fee on each order (22 October 2026) |
|---|---|---|
| Standard | Applies until a Pro or Elite threshold is met | 0.75% |
| Pro | A$30000 of trade volume or 3 referrals | 0.6% |
| Elite | A$100000 of trade volume or 9 referrals | 0.5% |
Cointree regulation and safety
Cointree is registered with AUSTRAC for anti-money laundering purposes, and ASIC's datasets hold no AFS licence for the operator. Cointree's terms say customers' coins are held in wallets it controls or on third-party exchanges. A registration is not a guarantee: AUSTRAC registration concerns anti-money laundering and counter-terrorism financing obligations, and AUSTRAC issued Cointree infringement notices in 2025 for alleged late reports.
AUSTRAC registration and the 2025 infringement notices
Cointree Pty Ltd appears on AUSTRAC's Virtual Asset Service Provider Register with legal name COINTREE PTY LTD, ABN 36167203303, an address in Hawthorn, Victoria, and no conditions shown, which we searched on 22 October 2026. AUSTRAC has regulated virtual asset service providers since 2018, and its article of 30 June 2026 says the public register lists all registered providers. AUSTRAC registration relates to anti-money laundering and counter-terrorism financing obligations.
AUSTRAC's media release of 16 May 2025 records infringement notices totalling A$75,120 to Cointree Pty Ltd for alleged late suspicious matter reports, paid in full, which AUSTRAC says concludes the matter. The notice is listed on AUSTRAC's enforcement actions page.
ASIC's AFS licensee and representative datasets, downloaded 22 October 2026, hold no row for Cointree Pty Ltd. We found no Cointree entry on AUSTRAC's virtual asset registration actions page on 22 October 2026; the infringement notices appear on the separate enforcement actions page.
Custody and the terms
Cointree's terms say the coins are held in wallets it controls, or on third-party exchanges. Clause 3.3 of the terms states: "The Supported Coins will be held by us on your behalf in a cold wallet or in a hot wallet controlled by Cointree, or on third party exchanges." The terms disclaim any warranty that the Selected Coin Exchanges Cointree uses will remain stable, reliable, secure, solvent or error-free, or that the platform, Cointree's systems or the Selected Coin Exchanges are safe from hacking.
Cointree's security page says 98% of funds are stored offline in a hot and cold wallet system and that two-step verification is required for digital currency withdrawals, while the terms describe two-step authentication as an optional account feature. We found no audit or proof-of-reserves report on the pages we checked on 22 October 2026.
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 36167203303, extracted 22 October 2026
- AUSTRAC lists checked for a Cointree entry: enforcement actions and virtual asset registration actions, 22 October 2026
- AUSTRAC media release: Crypto exchange $75k out of pocket for missing reporting deadlines, 16 May 2025
Cointree AUD deposits and withdrawals
| Method | Direction | Published fee (22 October 2026) |
|---|---|---|
| PayID | Deposit | Free |
| Online bank transfer | Deposit | Free |
| Cash at retail locations across Australia | Deposit | No fee stated |
| AUD to an Australian bank account | Withdrawal | Free |
| Crypto to an external wallet | Withdrawal | Dynamic network fee shown on the withdrawal page |
Is Cointree available in Australia?
Cointree FAQs
Is Cointree safe to use in Australia?
Cointree is listed on AUSTRAC's Virtual Asset Service Provider Register (checked 22 October 2026), has no AFS licence on ASIC's datasets, and paid A$75,120 in AUSTRAC infringement notices in May 2025. The notices were for alleged late suspicious matter reports, and AUSTRAC says payment in full concludes the matter. Cointree's security page says 98% of funds are stored offline and that two-step verification is required for digital currency withdrawals. Cointree's terms say coins may be held on third-party exchanges and disclaim any warranty that those exchanges remain solvent.
Who runs Cointree?
Cointree is run by Cointree Pty Ltd, ABN 36 167 203 303, an Australian private company. ABN Lookup shows the ABN active since 12 December 2013 with a main business location in Victoria. AUSTRAC's Virtual Asset Service Provider Register shows an address in Hawthorn, Victoria. Cointree's about page says it was founded in 2013, and separately that it was built in Melbourne.
What does Cointree charge?
Cointree's trading fee is 0.75% at the Standard tier, 0.6% at the Pro tier and 0.5% at the Elite tier, with tiers set by 90-day trade volume or referrals. PayID and bank transfer deposits are free. Cash deposits are accepted at 1,500+ locations with no fee stated. AUD withdrawals are free. Crypto withdrawals carry a network fee. On A$1,000 of Bitcoin the Standard fee is A$7.50, by our arithmetic, with fees checked 22 October 2026.
Has Cointree been fined by AUSTRAC?
AUSTRAC's media release of 16 May 2025 says it issued Cointree Pty Ltd infringement notices totalling A$75,120 for alleged late suspicious matter reports. Cointree paid the notices in full, which AUSTRAC says concludes the matter. The notice is listed on AUSTRAC's enforcement actions page. Cointree remains listed on the AUSTRAC Virtual Asset Service Provider Register with no conditions shown, which we checked on 22 October 2026.
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