CoinJar Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 2.99% on transactions in a currency other than AUD, over the Mastercard rate, plus the 1% fee charged on every purchase |
| ATM limit | Physical card only; 1% fee; $20 minimum, $1,000 and 5 withdrawals per day, counted inside the $5,000 daily spend limit |
| Spending limit | $5,000 per day and 25 transactions per day |
Fees change; the current ones are in CoinJar’s terms.
Features
- Cashback: 1 point per $1, offset by 1% fee
The fine print
- 1 CoinJar Rewards point per $1 spent, while every purchase carries a 1% fee
- In the Rewards Store 1,000 points buy $10 of BTC, ETH or a gift card, so the fee and the points cancel out
- Used to waive CoinJar trading or sending fees, points are worth 2 cents each (50 points per AUD of fee)
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: No top-up: the card spends from one nominated CoinJar crypto account (the 'Spend' account), chosen from the 60+ cryptocurrencies CoinJar lists
- Available countries: Australia
Who issues the CoinJar Card
The CoinJar Card is issued by EML Payment Solutions Limited, Australia (AFSL 404131, Mastercard principal member) (Australian financial services licence). The issuer is named in the source linked below. PDS cl. 6: "The Issuer of the Card is EML." CoinJar Australia Pty Ltd is EML’s authorised representative (no. 1290193), i.e. the programme side.
Primary source · All cards issued by EML Payment Solutions Limited · Why the issuer matters
Pros and cons
Pros
- Spends any of 60+ cryptocurrencies with no pre-loading
The fine print
- Free digital and physical card, no monthly, annual or inactivity fee
- Apple Pay and Google Pay
- Issuer disclosed (EML Payment Solutions)
- Earn 1% cashback on eligible purchases
- No card issuance fee
Cons
- Australia only (the UK card programme closed on 30 June 2024)
The fine print
- 1% fee on every purchase cancels the points
- 2.99% on non-AUD spending on top of that
- 1% fee on ATM withdrawals
- custodial
- $5,000 daily limit
- No IBAN or bank-account features
Regional availability
Available in Australia
Australia only. The UK card programme was discontinued on 30 June 2024; not available in the UK.
Banking and fiat rails
Card overview
The CoinJar Card is a prepaid Mastercard issued by EML Payment Solutions, live for new customers in Australia in 2026, with no discontinued or waitlist banner on the official page. It is an Australian card only: CoinJar discontinued its UK card programme on 30 June 2024. The card's 1% "cashback" comes as CoinJar Rewards points, not money: one point per dollar, and in the Rewards Store 1,000 points buy $10 of BTC, ETH or a gift card, or you can use them to waive CoinJar trading fees.
Those points arrive on the same purchases that carry a 1% fee, so at the store rate the fee and the points cancel out. Custody is CoinJar's, not yours. It holds the crypto and auto-converts your chosen Spend account to fiat at checkout, so the card moves fiat, not on-chain coins. You can fund it from 60+ cryptocurrencies.
Digital and physical cards both cost nothing to issue, and there is no monthly or annual fee. Apple Pay and Google Pay both work. Spending in a currency other than AUD costs 2.99% on top of the 1% fee, physical-card ATM withdrawals add 1%, and spending is capped at $5,000 a day.
- Best fit
- Australian CoinJar users who want to spend an existing custodial balance at home and value a regulated, long-running exchange
- Wrong card if
- you travel often or expect real cashback
Common questions about the CoinJar Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
