CoinJar Card

CoinJar · Mastercard · prepaid · Custodial

1 countryVerified 5 Sep 2026

CoinJar Card does not publish its cashback terms; net value is computed on fees only, so at $1,000/month spend the card costs $120 a year. According to Cardefi data, 6 of 8 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at CoinJardirect — pays us nothing

Cashback at your stake: not disclosed
Min. stake for rewards: —
Annual fee: $0
FX fee: 3.0%
Net value / yr: −$120
Break-even: —

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Standard	Standard	not disclosed	−$120

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	not disclosed	—
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	3.0% + 1.0% × $3,000	−$120
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		−$120

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.

Annual fee	A$0 / year 1 source “It’s free to set up, has no monthly fees”[1] · fees_page · captured 5 Sep 2026
Monthly fee	A$0 / month 1 source “It’s free to set up, has no monthly fees”[1] · fees_page · captured 5 Sep 2026
Card issuance	A$0 1 source “Card issuance (digital and physical card) \| No fee”[2] · landing · captured 5 Sep 2026
Foreign transaction (FX)	3.0%«2.99%+» 1 source “Foreign transaction \| 2.99%+”[2] · landing · captured 5 Sep 2026
Crypto conversion / spread	1.0%1% on every purchase, returned as CoinJar Rewards points; plus crypto conversion at CoinJar's "best rates" 1 source “In-store and online purchase \| 1% (returned in Rewards points)”[2] · landing · captured 5 Sep 2026
ATM withdrawal	1.0% 1 source “ATM withdrawal (physical card only) \| 1%”[2] · landing · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Standard	not disclosed · None · Cap: not disclosed · Paid in CoinJar Rewards points 1 source “For each $1 you spend you’ll earn 1 CoinJar Rewards point.”[2] · landing · captured 5 Sep 2026

Limits

Spend per month	— not disclosedLimits are in section 15.8 of the PDS, not extracted
Dispute fee	A$27.50 / tx 1 source “Transaction dispute \| $27.50 per transaction”[2] · landing · captured 5 Sep 2026

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

rate. 1 CoinJar Rewards point per $1 spent; points cover trading fees or are redeemed in the rewards store; no cash equivalent stated
Spend per month. Limits are in section 15.8 of the PDS, not extracted

Sources

3 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

www.coinjar.com/au/fees · fees_page · 6 Sep 2026
www.coinjar.com/au/card · landing · 5 Sep 2026
public-files.coinjar.com/card/coinjar-card-au-pds-2021.pdf · legal · 5 Sep 2026

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Access & funding

Regions: 1 country
KYC: full
Top-up: CoinJar balance
Fiat: AUD
Assets: 60+ crypto assets on CoinJar, AUD
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Custodial. The issuer holds your funds; check its licence below.
Cashback terms not published. The issuer does not state a rate on its public pages, so the score counts fees only; the real net value may differ.

Who is behind the card

Brand / programme: CoinJar Australia Pty Ltd
Infrastructure: — not disclosed
Issuer of record: EML Payment Solutions Limited (AU)
Licence: ASIC · AFSL 404131
Network: Mastercard
Custody: Custodial · emi safeguarding

2 sources

“CoinJar Card is a prepaid Mastercard issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 pursuant to license by Mastercard.”[2] · landing · captured 5 Sep 2026

“The Issuer of the Card is EML and if you acquire the Card, you will have a contract with EML.”[3] · legal · captured 5 Sep 2026

Status

Now: Live

“Want the real thing? Order a free physical Card to tap, insert and swipe your crypto everywhere that Mastercard is accepted.”coinjar.com · captured 5 Sep 2026

Where you can get it

Australia: 1 country: AU

1 source

“CoinJar Australia Pty Ltd is an authorised representative of EML Payment Solutions Limited”coinjar.com · landing · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 6 of 8 key figures verified, 2 not disclosed
Confidence: B official sources only
Disclosure: public page
Source: coinjar.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 1 countries are listed as available in total.

Country	Status	Issuer / licence
Australia	Availablechecked 5 Sep 2026	EML Payment Solutions Limited

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does CoinJar Card charge on foreign currency?: CoinJar Card adds 3.0% on transactions in a currency other than the account currency.
Does CoinJar Card charge an annual fee?: The annual fee for CoinJar Card is $0.
Does CoinJar Card work with Apple Pay or Google Pay?: CoinJar Card works with Apple Pay and Google Pay.
What does CoinJar Card charge at an ATM?: CoinJar Card charges 1.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind CoinJar Card?: The issuer does. Spending on CoinJar Card draws on a balance held by the provider, not in a wallet you control.
Does CoinJar Card require identity verification?: Yes. CoinJar Card requires full identity verification before the card can be used.