At a glance
- Buy or sell in the CoinJar app
- 1% fee
- CoinJar Exchange, AUD pairs, entry tier
- 0.10% maker / 0.10% taker
- Card, Apple Pay or Google Pay purchase
- 2% fee
- PayID deposit and withdrawal
- $0 CoinJar fee
CoinJar Exchange maker and taker fees start at 0.10% on AUD pairs and fall with 30-day volume. Card, Apple Pay and Google Pay purchases cost 2%.
What stands out
- A choice between a simple app and an order-book exchange whose entry fee is one of the lower published rates in Australia.
- Free PayID deposits and withdrawals, plus free bank-transfer deposits.
- Operating since 2013, with its AUSTRAC registration number published on its help centre.
- Accounts for companies, trusts and SMSFs.
What to weigh up
- The convenient app route costs ten times the CoinJar Exchange entry fee.
- Card, Apple Pay and Google Pay purchases cost 2%, and recurring buys with those methods cost 1%.
- A dispute fee of A$38.50 can apply to card disputes, according to its fee page.
Two ways to trade, two prices
In the CoinJar app, buying or selling crypto costs 1% of the transaction. CoinJar Exchange is a separate order book: on AUD pairs, its entry tier is 0.10% for both makers and takers, falling with 30-day volume. Crypto-to-crypto and stablecoin pairs have their own, lower rates. At a notional A$1,000 trade, that's A$10 in the app or A$1 on the exchange.
- The exchange takes a little more learning: you place orders against a live order book, and the spread and order depth affect your final price.
- If you're buying regularly, it's worth learning before you start.
Funding your account
PayID and bank-transfer deposits are free, and PayID and direct-entry withdrawals to your bank are free too. Buying with a debit or credit card, Apple Pay or Google Pay costs 2%, or 1% for recurring buys with those methods.
- If you plan to buy with a card for convenience, compare the 2% charge with simply depositing AUD by PayID first.
- Crypto withdrawals carry a network fee that depends on the asset and network.
Regulation, custody and the CoinJar Card
CoinJar says it has served Australians since 2013. Its help centre states that CoinJar Australia Pty Ltd is registered with AUSTRAC as a digital currency exchange provider (DCE100749118-001), and it says client assets are secured with the custody providers BitGo and Fireblocks.
- The CoinJar Card is a prepaid Mastercard issued by EML Payment Solutions Limited, with CoinJar acting as its authorised representative.
- Card protections therefore sit with the issuer's terms.
- As with any exchange, registration and custody partners reduce some risks but don't remove them.
Getting started and account types
Like every AUSTRAC-registered exchange, CoinJar has to verify your identity before you can trade, so have your ID ready. CoinJar also offers accounts for companies, trusts and SMSFs, with their own onboarding steps.
- Turn on two-factor authentication straight away.
- CoinJar supports SMS or app-based codes, and its app can use biometrics for logins and large sends.
Nodora’s take
CoinJar is worth a look if you want a beginner-friendly app now and a low-cost order book when you're ready. The 0.10% CoinJar Exchange entry fee is the main attraction; the 1% app fee is the price of convenience.
Before opening an account, decide which route you'll actually use and compare the final amount of crypto received. We have not opened or funded an account as part of this review, and Nodora has no referral relationship with CoinJar.
CoinJar questions, answered
What fees does CoinJar charge?
Buying or selling in the CoinJar app costs 1%. CoinJar Exchange charges 0.10% for makers and takers on AUD pairs at its entry tier, falling with volume. Card, Apple Pay and Google Pay purchases cost 2%.
Is CoinJar regulated in Australia?
CoinJar's help centre says CoinJar Australia Pty Ltd is registered with AUSTRAC as a digital currency exchange provider (DCE100749118-001). Registration relates to anti-money-laundering obligations and isn't a guarantee against loss.
Are CoinJar deposits and withdrawals free?
PayID and bank-transfer deposits are free, and PayID and direct-entry withdrawals to your bank are free. Crypto withdrawals have a network fee.
What is the difference between CoinJar and CoinJar Exchange?
The CoinJar app gives you a simple quoted buy or sell for a 1% fee. CoinJar Exchange is an order book where you place your own orders, with maker and taker fees starting at 0.10% on AUD pairs.
Does Nodora earn a commission from CoinJar?
No. Nodora has no referral relationship with CoinJar, and the link on this page goes to its official website.
More on CoinJar: fees explained · is it safe?
Sources & last check
Checked 26 October 2026. Provider material describes the provider’s own service; it is not independent verification of safety or performance.
- CoinJar Exchange fees
- CoinJar help: CoinJar’s fees
- CoinJar help: Deposit fees
- CoinJar help: Withdrawing funds to your bank account
- CoinJar help: CoinJar’s regulatory obligations
- CoinJar terms of service
- CoinJar business, trust and SMSF accounts
- CoinJar: Protecting your crypto
