Andrew Munro is the cryptocurrency editor at Finder. He was initially writing about insurance, when he accidentally fell in love with digital currency and distributed ledger technology (aka “the blockchain”). Andrew has a Bachelor of Arts from the University of New South Wales, and has written guides about everything from industrial pigments to cosmetic surgery.
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific
provider, service or offering. It is not a recommendation to trade.
Different fees apply to different CoinJar services, with all fee amounts in AUD. The main services include CoinJar buy/sell (broker), CoinJar Exchange (the trading platform) and CoinJar Swipe (the crypto debit card).
The fees below are accurate as of 31 December 2019.
CoinJar buy and sell
The buy and sell prices are determined by the current prices on the CoinJar exchange. You will use the standing buy prices when buying crypto, and sell prices when selling.
You will be given a reference price as an indication, but your actual price may vary slightly. Whether buying or selling, the fees depend on the payment method.
Coinjar cash account
These are the fees for trading on CoinJar Exchange, rather than simply buying and selling. CoinJar Exchange has a tiered fee structure for AUD to crypto trades, and a set fee regardless of volume for crypto to crypto trades.
Any crypto to crypto trade
AUD to crypto trade tiers (AUD trade volume per 30 days)
$0 to $10,000
$10,000 to $100,000
$100,000 to $1 million
$1 million to $10 million
These are the fees that apply for specific actions related to the CoinJar swipe crypto debit card.
Initial card purchase or replacement
Loading with fiat
Loading with crypto
EFTPOS purchase or withdrawal
Varies depending on the ATM
Maximum daily top-up
Maximum daily spend
Maximum transactions per day
25 total, 10 ATM withdrawals
None (BPAY transfers from credit accounts may incur fees though)
CoinJar bundles make it easier to diversify and manage crypto holdings by directly purchasing cryptocurrency baskets, whose contents can be allocated proportional to amount spent or weighted by market cap. Available bundles are the Popular Duo (50/50 BTC and ETH), CoinJar Universe (market cap weighted basket of all cryptocurrencies available on CoinJar), the DeFi Bundle (market cap weighted COMP, LINK and MKR basket) and more.
Purchasing a bundle
How fast will my funds be available?
Up to 1 hour-2 days
Most bank transfers can complete within an hour, but it may take longer where transfers are made late in the day or if it’s your first transfer.
Most withdrawals will complete the next business day, but it may take longer on the bank’s end.
Is CoinJar safe to use?
Regulation. CoinJar is registered as a cryptocurrency exchange with AUSTRAC, and is a registered business in the UK.
Verification process. CoinJar verifies users in line with its anti-money laundering obligations.
Security features. CoinJar offers two factor authentication, uses a machine learning system to monitor for suspicious transactions and keeps at least 90% of customer funds in geographically diverse cold storage at any given time.
How do I create an account at CoinJar?
Go to the sign up section to create an account. You will need to enter your name and email, and choose a password. Once you sign up you will need to confirm your email.
Once you’re signed up, you will need to verify your identity by uploading some identification documents to CoinJar and providing some information about yourself. Verification is only needed for exchanging fiat currency.
You can deposit either cryptocurrency or Australian dollars to your CoinJar account.
You can use the deposited funds on the full range of CoinJar services. You can now take advantage of quick buys and sells, the exchange or order a CoinJar Swipe card.
CoinJar was founded in 2013, and backed by venture capital funds. It moved its office location to the UK in 2014 but continues serving Australian customers, and is registered as a cryptocurrency service in Australia.
In a nutshell
Multi-feature. Between the wallet, exchange and Swipe, CoinJar lets you do much more with your crypto than a normal exchange.
Simple start for beginners. Crypto newcomers can get started easily.
Competitive exchange fees. CoinJar Exchange has highly competitive fees compared to most other exchanges.
Limited selection. A limited range of coins is available.
Fees apply. You need to be aware of the fees for different products.
Spreads. CoinJar pricing is based on the current spreads on its exchange, and may vary.
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Frequently asked questions
The base CoinJar cryptocurrency wallet is available all over the world. The different additional features which are available may vary depending on your location and whether you’ve verified your account.
Yes, you can download the CoinJar app for Android or iPhone.
The verification process for CoinJar involves uploading documentation to the exchange. It will then verify the authenticity of those documents next to other information and the details you have provided.
CoinJar has a support section where you can browse through the FAQs, or submit a ticket for assistance from the CoinJar customer service team.
Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly
volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of
future performance. Consider your own circumstances, and obtain your own advice, before relying on this information.
You should also verify the nature of any product or service (including its legal status and relevant regulatory
requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may
have holdings in the cryptocurrencies discussed.
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