CoinJar Card

The CoinJar Card is a prepaid cryptocurrency Mastercard linked to a CoinJar account. It lets eligible users nominate a crypto account as their Spend account and use that balance for purchases wherever Mastercard is accepted.

When you pay, CoinJar automatically converts enough of the selected cryptocurrency into Australian dollars to fund the card transaction. You do not need to manually preload a separate card balance before every purchase.

CoinJar offers both a digital and physical card. The digital card works online and with Apple Pay and Google Pay, while the physical card also supports chip, contactless payments and ATM withdrawals. The current Australian card programme is issued by EML Payment Solutions Limited.

The CoinJar Card is a reloadable prepaid Mastercard. It is not a credit card, so it does not provide a revolving credit line or let you borrow money for purchases.

It also differs from a normal bank debit card because the card is funded from a nominated CoinJar crypto account rather than a conventional current account. When you make a purchase, CoinJar redeems enough of the selected digital asset into Australian dollars and provides that value to the card issuer for settlement.

Your spending is therefore limited by the available value in the nominated Spend account and by CoinJar Card transaction limits. There is no interest-bearing card debt to repay.

You choose a cryptocurrency account inside CoinJar as the card's Spend account. When you make a purchase, CoinJar automatically converts enough of that crypto into Australian dollars to cover the transaction and any applicable fees.

The merchant receives an ordinary Mastercard payment, so it does not need to accept cryptocurrency. You can change the nominated Spend account from the CoinJar app if you want future purchases to use a different supported asset.

This automatic conversion is convenient, but it also means spending BTC, ETH or another crypto is effectively a disposal of that asset. Depending on your tax jurisdiction, that can create a taxable gain or loss.

No. CoinJar Card spends assets held inside your CoinJar account, so the card is connected to a custodial crypto service rather than a wallet where you control the private keys yourself.

CoinJar holds and manages the account infrastructure, and the selected crypto is converted when the card transaction is authorised. This makes the spending experience simple, but it is structurally different from a self-custodial crypto card that lets you keep assets under your own private-key control until payment.

If self-custody is important to you, keep that distinction in mind when comparing CoinJar with cards connected directly to non-custodial wallets.

In Australia, CoinJar Card is issued by EML Payment Solutions Limited under licence from Mastercard. CoinJar Australia Pty Ltd acts as an authorised representative of EML for the card programme.

CoinJar provides the crypto account, app and automatic asset-conversion experience, while EML provides the regulated prepaid-card infrastructure.

This separation matters because the company whose brand appears on the card is not the same as the legal card issuer. Cardholder rights, stored-value rules and certain dispute procedures are governed by the EML Product Disclosure Statement and card terms, while crypto trading and custody are governed by CoinJar's separate account terms.

CoinJar currently charges no fee to issue the digital or physical card, no monthly or annual account-management fee and no inactivity fee.

Ordinary in-store and online purchases carry a 1% CoinJar Card fee. CoinJar returns an equivalent value in CoinJar Rewards points, so the fee is economically offset if you use the points. Foreign-currency transactions also incur a 2.99% FX fee on top of the Mastercard exchange rate, and physical-card ATM withdrawals cost 1% of the amount withdrawn.

A transaction dispute currently costs A$27.50. These card fees are separate from fees for buying, selling or converting crypto within CoinJar.

CoinJar Card earns one CoinJar Rewards point for each Australian dollar spent on an eligible card transaction. The card also charges a 1% purchase fee, and CoinJar returns the equivalent value of that fee in Rewards points.

Rewards points can be used to cover eligible CoinJar transaction fees or redeemed through the CoinJar Rewards Store. They are loyalty points rather than cash deposited back into the card balance.

This is different from a conventional crypto cashback programme that pays a fixed percentage directly in BTC or another token. When comparing the value of CoinJar Card rewards, consider whether you are likely to use the points for trading fees or store redemptions.

The current Australian CoinJar Card has a maximum daily spend of A$5,000 and allows up to 25 card transactions per day.

ATM withdrawals are limited to A$1,000 per day, with a maximum of five ATM withdrawals and a minimum cash withdrawal of A$20. The A$5,000 daily spend ceiling includes ATM withdrawals, so cash withdrawals reduce the amount available for other card spending that day.

These are card-specific limits and are separate from CoinJar account limits for bank transfers, crypto transfers and card-funded crypto purchases. Check the live limits before a particularly large purchase because programme rules can change.

Yes. The physical CoinJar Card can be used at ATMs that accept Mastercard. The current CoinJar fee is 1% of the amount withdrawn, and the ATM operator can add its own separate surcharge.

The Australian card currently allows up to A$1,000 in ATM withdrawals per day, across a maximum of five withdrawals, with a minimum withdrawal of A$20.

If you are using crypto as the Spend account, CoinJar converts enough of that asset into Australian dollars for the withdrawal. That conversion can have tax consequences just like spending crypto at a merchant. The digital card alone is not designed for normal chip-and-PIN ATM withdrawals.

Yes. CoinJar Card supports both Apple Pay and Google Pay. You can add the digital card to a compatible phone or smartwatch and begin making contactless payments without waiting for the physical card.

Mobile-wallet payments use the same nominated CoinJar Spend account, limits, purchase fee and rewards rules as ordinary card transactions. Apple Pay or Google Pay simply provides another way to present the Mastercard credential at checkout.

This is particularly useful for users who do not need ATM access, because the digital card can be activated quickly in the CoinJar app. Device and regional mobile-wallet eligibility still apply.

CoinJar lets you nominate an eligible cryptocurrency account as the card's Spend account. CoinJar supports a broad range of assets, including BTC, ETH, XRP, SOL, DOGE, ADA, USDC and many other tokens.

The exact list available for card spending should be checked in the app because not every asset supported somewhere in the wider CoinJar ecosystem is necessarily available for every feature.

Once an eligible asset is selected, CoinJar automatically converts the amount needed for each purchase. You can change the nominated Spend account later if you want future transactions to use a different cryptocurrency.

The current CoinJar Card programme covered by CoinJar's Australian card documentation is available to eligible Australian residents with a verified individual CoinJar account. CoinJar's Australian support material describes the card as exclusive to Australian residents.

CoinJar itself also supports verified customers in the UK, Ireland and selected US states, but general CoinJar account availability should not be confused with access to this Australian Mastercard programme.

Applicants must be at least 18 and complete identity verification. CoinJar entity accounts, including company, trust and SMSF accounts, do not currently have access to CoinJar Card.

Yes. CoinJar Card can be used overseas wherever prepaid Mastercard is accepted, subject to Mastercard, merchant and CoinJar restrictions.

The main cost to watch is foreign exchange. Transactions made in a currency other than Australian dollars use the Mastercard exchange rate and currently incur an additional 2.99% CoinJar foreign-transaction fee, plus the ordinary 1% card purchase fee.

That makes the card convenient for occasional travel but relatively expensive compared with crypto cards that charge no FX markup. CoinJar also restricts access to its services while users are located in certain prohibited jurisdictions, so check the current country list before travelling.

Open a personal CoinJar account, complete identity verification and then open the Card tab in the CoinJar mobile app. Eligible users can activate the digital card and start using it quickly for online purchases or through Apple Pay and Google Pay.

CoinJar also offers a free physical card. Order it through the app if you want chip-and-PIN payments, traditional contactless use or ATM access.

Before choosing a crypto Spend account, make sure you understand the 1% purchase fee, 2.99% foreign-transaction fee and possible tax impact of selling crypto for everyday purchases.

For card, account or transaction questions, use CoinJar's official Support Centre at https://support.coinjar.com. CoinJar also provides a request form through the Help Centre and publishes support@coinjar.com for account assistance.

If your card is lost or you suspect fraud, use the card controls in the CoinJar app to secure it and contact support promptly. For a disputed payment, keep the merchant name, amount, date and transaction details available.

Never share your CoinJar password, authentication codes or other security credentials with someone who contacts you unexpectedly. Use only support links reached through CoinJar's official website or app.