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CoinJar is one of the longest-running cryptocurrency exchanges in the world, operating continuously since 2013. Founded in Melbourne, Australia by Asher Tan and Ryan Zhou, the platform has expanded to the United Kingdom, Ireland, the European Union, and the United States. This CoinJar review for 2026 covers every detail you need -- fees, supported coins, the CoinJar Card, CoinJar Exchange, security, regulation, and how it compares to leading alternatives -- so you can decide whether CoinJar is the right exchange for your needs.
CoinJar at a Glance
CoinJar is a regulated cryptocurrency exchange that lets users buy, sell, and store more than 60 digital assets. It is registered with AUSTRAC in Australia, authorised by the Financial Conduct Authority (FCA) in the UK for anti-money laundering purposes, and holds a MiCA licence from the Central Bank of Ireland for EU-wide operations as of December 2025. The platform serves beginners through its mobile app and web interface, while CoinJar Exchange caters to professional and institutional traders with an advanced order-book system.
| Feature | Details |
|---|---|
| Founded | 2013 (Melbourne, Australia) |
| Founders | Asher Tan and Ryan Zhou |
| Headquarters | Melbourne, Australia and London, UK |
| Supported Countries | Australia, United Kingdom, Ireland, European Union, United States (20 states) |
| Supported Cryptocurrencies | 60+ (BTC, ETH, SOL, XRP, ADA, DOGE, and more) |
| Fiat Currencies | AUD, GBP, USD, EUR |
| Trading Fee (App) | 1% conversion fee |
| Trading Fee (Exchange) | 0% to 0.10% maker/taker |
| Minimum Purchase | $10 |
| CoinJar Card | Free Mastercard with Apple Pay and Google Pay support |
| Regulation | AUSTRAC (Australia), FCA (UK), Central Bank of Ireland / MiCA (EU), FinCEN MSB (US) |
| Mobile Apps | iOS and Android |
| Customer Support | 7 days a week, knowledge base, email support |
How CoinJar Works
CoinJar operates two distinct trading environments designed for different user profiles. The standard CoinJar app and website function as a brokerage where users buy and sell crypto at quoted prices with a flat 1% fee. This model removes the complexity of order books and price charts, making it ideal for newcomers who want to purchase Bitcoin or Ethereum quickly and without confusion.
CoinJar Exchange is a separate, full-featured order-book platform designed for active and professional traders. It offers limit orders, stop orders, time-enforced orders, and fees as low as 0% for maker trades. The Exchange features one of the fastest matching engines in the world, supports over 380 trading pairs, and provides a highly customisable interface where users can add, resize, and rearrange modules to suit their workflow. CoinJar Exchange also includes real-time API access (REST and WebSocket) so traders can build automated strategies or integrate the Exchange into their own platforms.
New users can sign up in minutes by downloading the CoinJar app on iOS or Android or visiting the website. After entering personal details and completing identity verification (KYC), users can deposit funds via bank transfer, PayID, Osko, or Faster Payments depending on their region. Instant card purchases are also available using Visa or Mastercard, as well as Apple Pay and Google Pay. The minimum purchase amount is just $10, making CoinJar accessible even for users who want to start with a small investment.
Both the app and Exchange share the same CoinJar account and wallet infrastructure. Users can move funds between the two environments seamlessly, allowing beginners to graduate to Exchange trading as their skills develop without needing to create a new account or transfer funds between platforms.
CoinJar Fees Explained
CoinJar uses a straightforward fee structure. The standard app charges a flat 1% fee on all crypto-to-fiat, fiat-to-crypto, and crypto-to-crypto conversions. Card and mobile wallet purchases carry a 2% fee. CoinJar Exchange uses a tiered maker/taker model based on 30-day trading volume, with fees starting at 0.10% and dropping to as low as 0.02% for makers at the highest tier.
| Transaction Type | Fee |
|---|---|
| Fiat to cryptocurrency conversion | 1% |
| Cryptocurrency to fiat conversion | 1% |
| Cryptocurrency to cryptocurrency conversion | 1% |
| Visa / Mastercard purchase | 2% |
| Apple Pay / Google Pay purchase | 2% |
| Recurring Buy (DCA) with debit/credit card | 1% |
| Recurring Buy (DCA) with Apple Pay / Google Pay | 1% |
| Purchasing or selling Bundles with cash account | 1% |
| Rebalancing Bundles | 1% |
| Unbundling existing Bundles | 0% |
| 30-Day Volume (AUD/USD/GBP pairs) | Taker Fee | Maker Fee |
|---|---|---|
| $0 - $60,000 | 0.10% | 0.10% |
| $60,000 - $600,000 | 0.10% | 0.08% |
| $600,000 - $6,000,000 | 0.08% | 0.04% |
| $6,000,000+ | 0.06% | 0.02% |
| Pair Type | Taker Fee | Maker Fee |
|---|---|---|
| Crypto-to-Crypto and Crypto-to-Stablecoin | 0.06% | 0.00% |
| Stablecoin-to-Fiat and Stablecoin-to-Stablecoin | 0.001% | 0.00% |
Deposit and Withdrawal Fees
CoinJar does not charge fees for AUD deposits or withdrawals via PayID, Osko, NPP, or standard bank transfer. GBP deposits and withdrawals through Faster Payments are also free. Sending cryptocurrency to other CoinJar members costs nothing, while external wallet transfers incur a dynamic network fee that adjusts every 15 minutes based on blockchain congestion. There are no fees for receiving cryptocurrency.
Supported Cryptocurrencies
CoinJar supports more than 60 cryptocurrencies for trading, sending, receiving, and storing. While this is a smaller selection than what you will find on major global exchanges like Binance or KuCoin, CoinJar covers all the most popular and widely traded assets. The platform focuses on quality over quantity, listing established projects with strong liquidity rather than hundreds of speculative micro-cap tokens. CoinJar Exchange offers over 380 trading pairs across USD, GBP, AUD, and BTC denominations, giving active traders substantial flexibility in how they pair and trade assets.
Key supported assets include Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP (XRP), Cardano (ADA), Dogecoin (DOGE), Tron (TRX), Avalanche (AVAX), Polkadot (DOT), Chainlink (LINK), Litecoin (LTC), Shiba Inu (SHIB), Uniswap (UNI), Polygon (POL), Sui (SUI), Stellar (XLM), Aave (AAVE), Immutable X (IMX), Arbitrum (ARB), Optimism (OP), Render (RENDER), Injective (INJ), Pepe (PEPE), Bonk (BONK), PAX Gold (PAXG), Tether (USDT), USD Coin (USDC), Dai (DAI), and many more.
Notable absences include BNB, Toncoin (TON), Hyperliquid (HYPE), and some smaller-cap tokens available on larger global exchanges like Binance or KuCoin.
CoinJar App vs CoinJar Exchange
CoinJar offers two distinct trading experiences. The CoinJar app is designed for simplicity -- users buy and sell at quoted prices with a single tap. CoinJar Exchange is a full-featured trading platform with an open order book, advanced charting, multiple order types, and significantly lower fees. Both share the same account, so users can switch between them freely.
| Feature | CoinJar App | CoinJar Exchange |
|---|---|---|
| Target User | Beginners, casual investors | Active traders, institutions |
| Trading Fee | 1% flat | 0% to 0.10% |
| Order Types | Market (instant buy/sell) | Market, limit, stop, time-enforced |
| Order Book | No (brokerage model) | Yes (open order book) |
| Charting | Basic price charts | Advanced TradingView-style charts |
| API Access | No | Yes (REST and WebSocket) |
| Trading Pairs | 60+ assets against fiat | 380+ pairs (USD, GBP, AUD, BTC) |
| CoinJar Bundles | Yes | No |
| CoinJar Card | Yes | No (use via app) |
| Customisable Interface | No | Yes (resizable modules, layout options) |
CoinJar Card
The CoinJar Card is a prepaid Mastercard that lets users spend their cryptocurrency like cash at any merchant that accepts Mastercard, both online and in-store. It is issued by EML Payment Solutions Limited and is available to verified users in Australia and the UK. The card supports Apple Pay and Google Pay for contactless payments. A free physical card is also available for tap, insert, and swipe transactions, plus ATM cash withdrawals.
Users choose a "Spend" cryptocurrency account in the app, and the CoinJar Card automatically converts crypto to local currency at the point of sale using CoinJar's exchange rate. Every dollar spent earns 1 CoinJar Rewards point, which can be redeemed for future trades or items in the CoinJar Rewards Store.
| Transaction Type | Fee |
|---|---|
| Card issuance (digital and physical) | Free |
| Monthly fee | Free |
| In-store and online purchases | 1% (returned as Rewards points) |
| Foreign transactions | 2.99%+ |
| ATM withdrawal (physical card) | 1% |
| Transaction dispute | $27.50 per transaction |
CoinJar Bundles
CoinJar Bundles are themed baskets of cryptocurrencies that allow users to invest in multiple assets with a single purchase. This feature is unique among exchanges in Australia and the UK -- while some platforms offer index-tracking products, CoinJar's in-app Bundle system provides instant portfolio diversification without requiring users to research and buy each coin individually. Users can buy, sell, rebalance, and unbundle their holdings directly within the CoinJar app.
Bundles come in two allocation types. Proportional Bundles distribute your investment equally across all included assets. Cap-allocated Bundles weight each asset by market capitalisation with a 25% cap per asset to maintain diversification and prevent any single large-cap coin from dominating the bundle.
Available Bundles include thematic options such as the Popular Trio (BTC, ETH, XRP), the Stable Bundle (PAX, DAI, USDC, USDT), the Memecoin Bundle (DOGE, SHIB, PEPE, TRUMP, BONK, WIF), DeFi-focused bundles for users interested in decentralised finance protocols, and low-carbon coin bundles for environmentally-conscious investors. CoinJar regularly reviews and updates Bundle compositions to reflect market developments.
The rebalancing feature is particularly useful for maintaining target allocations. Over time, as different assets in a Bundle appreciate or depreciate at different rates, the original allocation drifts. With a single tap, users can rebalance to restore the original weighting at a 1% fee. Users who want to exit a Bundle can use the "Empty Bundle" option to sell the entire basket back to fiat, or "Unbundle" to move individual coins into their CoinJar wallets at no cost.
Users can also combine Bundles with the Recurring Buy feature for automated dollar-cost averaging on a weekly, fortnightly, or monthly schedule, effectively creating a hands-off crypto index investing strategy.
Recurring Buy and Dollar-Cost Averaging
CoinJar's Recurring Buy feature lets users automate purchases of individual cryptocurrencies or Bundles on a set schedule. Users select their asset, choose an amount, and pick a frequency -- weekly, fortnightly, or monthly. Payments can be made using a linked Visa or Mastercard debit or credit card at a 1% fee, making it straightforward to implement a dollar-cost averaging (DCA) strategy.
DCA spreads investment over time, reducing the impact of short-term price volatility. This feature is particularly useful for beginners who want to build a position gradually without timing the market.
Security and Asset Protection
Security is one of CoinJar's strongest differentiators. The platform is one of the few major cryptocurrency exchanges with no reported hacks, security breaches, or lawsuits since its founding in 2013 -- a clean track record spanning more than 12 years. In an industry where exchange hacks and collapses have cost users billions of dollars (the Mt. Gox hack in 2014, the FTX collapse in 2022, and numerous smaller breaches), CoinJar's unblemished security history is noteworthy. The platform employs multiple layers of security to protect user accounts and assets.
Custody and Cold Storage
CoinJar partners with BitGo and Fireblocks, two institutional-grade custody providers, to secure customer assets. More than 90% of all assets are stored offline in cold storage or in private multi-signature (multi-sig) and multi-party computation (MPC) wallets at all times. CoinJar maintains full currency reserves, holding sufficient assets to cover more than 100% of customer balances.
Infrastructure Security
CoinJar's digital infrastructure is hosted on Amazon Web Services (AWS), with fully encrypted internal networks that are firewall-protected and isolated from the internet. Application and database servers run inside private networks with separate staging and production environments. Public-facing services are handled by dedicated load balancers that only process HTTP requests.
Account Security
Users can enable two-factor authentication (2FA) using an authenticator app. CoinJar also employs advanced machine learning to detect suspicious logins, account takeovers, and financial fraud. All internal services and databases are protected by cryptographically-secure multi-factor authentication, and engineers do not have direct access to application credentials or production servers.
Lock Account Feature
If a user suspects their account has been compromised, CoinJar provides an instant account lock feature accessible through the Help and Support section of the app or website. Users can freeze their account immediately by answering security questions and confirming the lock.
Bug Bounty Programme
CoinJar runs a bug bounty programme that works with an active community of security researchers to identify and address potential vulnerabilities.
Regulation and Compliance
CoinJar operates under multiple regulatory frameworks across its markets, making it one of the most broadly regulated cryptocurrency exchanges available to retail users in 2026.
Australia (AUSTRAC)
CoinJar Australia Pty Ltd (ACN 648 570 807) is a registered digital currency exchange provider with the Australian Transaction Reports and Analysis Centre (AUSTRAC). This registration requires CoinJar to comply with Australian anti-money laundering and counter-terrorism financing (AML/CTF) laws, including customer identity verification and transaction monitoring.
United Kingdom (FCA)
CoinJar is registered with the UK Financial Conduct Authority (FCA) for anti-money laundering purposes. This allows CoinJar to legally offer cryptocurrency exchange services to UK residents while adhering to British AML requirements.
European Union (MiCA)
As of 9 December 2025, CoinJar Europe Limited (registration number C496731) was authorised by the Central Bank of Ireland as a Crypto-Asset Service Provider (CASP) under the Markets in Crypto-Assets Regulation (MiCAR). This licence allows CoinJar to provide custody, exchange, and transfer services for crypto-assets across the entire European Economic Area. CoinJar was among the first exchanges to secure MiCA authorisation, reflecting its commitment to regulatory compliance.
United States (FinCEN)
CoinJar is registered as a Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN). The US launch occurred in July 2025, with services currently available in 20 states including California, Illinois, New Jersey, Virginia, and Wyoming. CoinJar has stated it plans to expand to additional states over time.
CoinJar for Institutions
CoinJar provides institutional-grade services through three distinct products designed for businesses, market makers, and finance professionals.
CoinJar Exchange offers professional traders access to over 380 trading pairs with fees as low as 0% for makers and 0.06% for takers on crypto-to-crypto pairs. The platform includes fully documented REST and WebSocket APIs for building automated trading strategies, plus one of the fastest matching engines in the cryptocurrency industry.
CoinJar Clear is a white-label integration solution that lets businesses embed fast, secure crypto market access directly into their own user interface. This is designed for fintech companies, neobanks, and other businesses that want to offer cryptocurrency services to their customers without building exchange infrastructure from scratch.
CoinJar OTC provides a dedicated over-the-counter trading desk for large-volume transactions. The OTC desk offers concierge service, competitive pricing, and rapid-response execution for trades that would otherwise cause significant market impact if placed on the open order book. This service is tailored for hedge funds, family offices, and corporate treasury operations.
CoinJar AI
At the end of 2025, CoinJar introduced CoinJar AI in the United States and Australia, marking its entry into AI-powered trading assistance. CoinJar AI is an in-app feature that connects directly to real-time market data, aggregated news summaries, and the user's own portfolio balance. It also references CoinJar's support documentation and an internal library of cryptocurrency concepts.
This means users can ask CoinJar AI questions like "How is my portfolio performing this week?" or "What is happening with Ethereum?" and receive contextual, data-driven responses without leaving the app. For beginners, this can serve as an educational tool that explains crypto concepts in plain language. For more experienced users, it provides quick access to market summaries and portfolio analytics. CoinJar has indicated plans to expand AI capabilities further throughout 2026.
Pros and Cons of CoinJar
Pros
- One of the longest-running exchanges with zero reported hacks or breaches since 2013
- Regulated in Australia (AUSTRAC), UK (FCA), EU (MiCA), and US (FinCEN)
- Beginner-friendly app with 1% flat trading fee
- CoinJar Exchange offers professional-grade trading at 0% to 0.10% fees
- Free CoinJar Card (Mastercard) with Apple Pay, Google Pay, and rewards points
- CoinJar Bundles for instant portfolio diversification
- Recurring Buy for automated dollar-cost averaging
- No deposit or withdrawal fees for bank transfers (AUD, GBP)
- Institutional services including OTC desk and API access
- CoinJar AI for real-time market insights
Cons
- 60+ coins is fewer than large global exchanges (Binance offers 350+, KuCoin offers 900+)
- 1% app fee is higher than some competitors for basic trades
- No derivatives trading, margin trading, or leverage
- No copy trading or bot integration
- US availability limited to 20 states as of early 2026
- CoinJar Card only available in Australia and the UK
- No staking rewards feature
- Mixed mobile app reviews (3.5/5 on Android, 4.0/5 on iOS)
CoinJar Alternatives Comparison
CoinJar competes well on security and ease of use, but larger exchanges offer broader asset selection and lower fees. Here is how CoinJar compares to popular alternatives in 2026.
| Feature | CoinJar | Coinbase | Kraken | Crypto.com |
|---|---|---|---|---|
| Founded | 2013 | 2012 | 2011 | 2016 |
| Supported Coins | 60+ | 250+ | 300+ | 350+ |
| Basic Trading Fee | 1% | Up to 1.49% | 0.40% taker | 0.075% taker |
| Advanced Trading Fee | 0% - 0.10% | 0% - 0.60% | 0% - 0.40% | 0% - 0.075% |
| Crypto Debit Card | Yes (Mastercard) | Yes (Visa) | No | Yes (Visa) |
| Staking | No | Yes | Yes | Yes |
| Derivatives | No | Yes | Yes | Yes |
| DCA / Recurring Buy | Yes | Yes | No (manual) | Yes |
| Regulation | AUSTRAC, FCA, MiCA, FinCEN | Multiple US state licenses, FCA | Multiple US state licenses, FCA | Multiple global licenses |
| Security Record | No breaches | No major breaches | No major breaches | Minor breach 2022 |
| Best For | AU/UK beginners, security-focused users | US beginners, broad selection | Intermediate traders, staking | High-volume traders, card rewards |
For a detailed breakdown of fees across exchanges, visit our crypto exchange fee comparison page.
Who Should Use CoinJar?
CoinJar is best suited for the following types of users:
- Australian and UK crypto beginners who want a simple, regulated platform with a flat 1% fee and an easy-to-use app
- Security-conscious investors who value a 12+ year track record with no breaches or hacks
- Passive investors who want to use Bundles and Recurring Buy for automated diversification and dollar-cost averaging
- Crypto spenders who want a free Mastercard to spend crypto at millions of merchants worldwide
- Professional traders in Australia or the UK who need low-fee order-book trading via CoinJar Exchange
CoinJar is less suitable for users who need derivatives trading, margin trading, staking rewards, a very large coin selection, or full US nationwide access.
How to Get Started with CoinJar
- Download the app -- Get CoinJar on iOS or Android, or visit the website.
- Create an account -- Enter your name, email, and location. Choose a username and password.
- Verify your identity -- Complete the KYC process by uploading government-issued ID. Verification typically takes a few minutes but may take up to a few days.
- Deposit funds -- Add money via bank transfer (PayID, Osko, Faster Payments) for free, or use a debit/credit card for instant purchases at 2%.
- Buy cryptocurrency -- Use Instant Buy for individual coins, set up Recurring Buy for DCA, or explore Bundles for diversification.
- Optional: Activate CoinJar Card -- Open the Card section in the app to activate your free digital Mastercard. Order a physical card if needed.
- Optional: Use CoinJar Exchange -- Access exchange.coinjar.com for advanced order types and lower fees.
Frequently Asked Questions
Is CoinJar safe to use in 2026?
CoinJar is one of the safest cryptocurrency exchanges available. It has operated since 2013 with no reported hacks or security breaches. Assets are secured by BitGo and Fireblocks with more than 90% held in cold storage. The platform is regulated by AUSTRAC in Australia, the FCA in the UK, and holds a MiCA licence in the EU. CoinJar also maintains full currency reserves covering more than 100% of customer balances.
What are CoinJar's trading fees?
CoinJar charges a 1% flat fee on all conversions through its standard app. Card purchases cost 2%. On CoinJar Exchange, fees range from 0% to 0.10% depending on your 30-day trading volume. Crypto-to-crypto maker trades on the Exchange are completely free. Bank deposits and withdrawals in AUD and GBP are also free.
Does CoinJar offer staking?
No, CoinJar does not currently offer cryptocurrency staking rewards. Users looking for staking should consider alternatives such as Kraken, Coinbase, or Crypto.com, all of which offer staking on selected assets.
How many cryptocurrencies does CoinJar support?
CoinJar supports more than 60 cryptocurrencies including Bitcoin, Ethereum, Solana, XRP, Cardano, Dogecoin, and major stablecoins like USDT, USDC, and DAI. CoinJar Exchange offers over 380 trading pairs. The selection is smaller than exchanges like Binance (350+) or KuCoin (900+) but covers most mainstream assets.
What is the CoinJar Card and how does it work?
The CoinJar Card is a free prepaid Mastercard that allows users to spend cryptocurrency at any merchant that accepts Mastercard. Users select a cryptocurrency as their "Spend" account, and the card automatically converts it to local currency at the point of sale. The card works with Apple Pay and Google Pay. A physical card is also available for tap-and-go and ATM withdrawals. Users earn 1 Rewards point per dollar spent.
Is CoinJar available in the United States?
Yes, CoinJar launched in the United States in July 2025. As of early 2026, it is available in 20 states including California, Illinois, New Jersey, Virginia, and Wyoming. CoinJar is registered as a Money Services Business with FinCEN. The company plans to expand to additional states over time. The CoinJar Card is not yet available to US users.
What are CoinJar Bundles?
CoinJar Bundles are pre-built baskets of cryptocurrencies that let users invest in multiple assets with a single purchase. Available Bundles include thematic groupings like the Popular Trio (BTC, ETH, XRP), Memecoin Bundle (DOGE, SHIB, PEPE, TRUMP, BONK, WIF), and DeFi bundles. Bundles use cap-adjusted allocation to maintain diversification and can be combined with Recurring Buy for automated DCA.
How does CoinJar Exchange differ from the CoinJar app?
The CoinJar app is a beginner-friendly brokerage with instant buy/sell at a 1% fee. CoinJar Exchange is a professional order-book trading platform with limit orders, stop orders, advanced charting, API access, over 380 trading pairs, and fees as low as 0% for makers. Both use the same CoinJar account, so users can switch between them freely.
What regulatory licences does CoinJar hold?
CoinJar holds four key regulatory registrations: AUSTRAC registration in Australia, FCA registration in the UK for AML purposes, MiCA authorisation from the Central Bank of Ireland (effective December 2025) for EU-wide crypto-asset services, and FinCEN MSB registration in the United States. This makes CoinJar one of the most broadly regulated exchanges serving retail users.
Recent Developments and 2025-2026 Timeline
CoinJar has been expanding aggressively through 2025 and into 2026. Here is a summary of key developments:
- July 2025: CoinJar launched in the United States, initially available in 20 states with FinCEN MSB registration.
- December 2025: CoinJar Europe Limited secured MiCA authorisation from the Central Bank of Ireland, enabling crypto-asset services across the entire European Economic Area.
- Late 2025: CoinJar AI was introduced in the US and Australia, providing in-app AI-powered market insights and portfolio analytics.
- Ongoing: CoinJar continues to expand US state availability, add new cryptocurrency listings, and enhance its Bundle offerings.
These expansions position CoinJar as a genuinely global exchange for the first time in its history, moving beyond its Australian and UK roots to serve users across four continents.
Final Verdict
CoinJar is a reliable, security-focused cryptocurrency exchange that excels at serving beginners in Australia and the United Kingdom. Its 12+ year track record with zero breaches, multi-regulator compliance, free Mastercard debit card, and innovative Bundles feature set it apart from many competitors. The CoinJar Exchange platform provides genuinely competitive fees for active traders, with maker fees as low as 0%.
The main limitations are a relatively small coin selection (60+ versus 300+ on larger exchanges), no staking or derivatives trading, and limited US availability. If you are an Australian or UK-based user looking for a safe, simple way to buy, sell, and spend crypto -- or a professional trader who wants low-cost order-book trading -- CoinJar is well worth considering.
For users who need a wider range of assets, staking, or derivatives, consider Kraken, Coinbase, or Crypto.com as alternatives. You can compare all of these exchanges side by side on our crypto comparison platform.
