CoinJar
CoinJar prepaid Mastercard — Australia
PDS describes selling the selected crypto from Spendable Balance into AUD at transaction time. Card is not separately directly funded and has no overdraft; current quote/spread not captured.
Last updated: 2026-10-19 · Within the 14-day review window · For education and research. Not investment, legal, or tax advice.
Program lifecycle: ACTIVE · New applications: OPEN
- The captured official application/programme documents describe a current application route; no application was attempted.
- OPEN describes a documented programme application route, not a guarantee that a person will be accepted.
Field review queue (14-day captured-evidence window)
- availability: 2026-10-19 · CURRENT · coinjar-au-order
- residence: 2026-10-19 · CURRENT · coinjar-au-card-pds
- costRules: 2026-10-19 · CURRENT · coinjar-au-card-fees, coinjar-au-card-pds
- fees.monthly: 2026-10-19 · CURRENT · coinjar-au-card-fees
- fees.issuance: 2026-10-19 · CURRENT · coinjar-au-card-fees
- fees.funding: Unknown · UNKNOWN ·
- fees.conversion: Unknown · UNKNOWN ·
- fees.spread: Unknown · UNKNOWN ·
- fees.fx: 2026-10-19 · CURRENT · coinjar-au-card-fees
- fees.atm: 2026-10-19 · CURRENT · coinjar-au-card-fees
- fees.withdrawal: Unknown · UNKNOWN ·
- rewards: Unknown · UNKNOWN ·
Check captured residence conditions
This checks supplied residence facts only. Nationality, tax residence, issuance, shipping, account checks and individual acceptance are separate. Inputs stay in this page.
Calculate documented program fees
V2 teaching scenario. Enter converted card-currency principals before fees; no live FX or authorization. Missing event facts stay unknown. Inputs remain on this page.
Legacy aggregate limitations
These conservative v1 omissions remain for old callers. The explicit v2 scenario below can evaluate represented conditions; unknown prices and restrictions remain separate.
- Known unsuccessful-dispute and per-transaction/daily limit conditions are outside monthly scenario inputs · Sources: coinjar-au-card-fees, coinjar-au-card-pds
- Known extra FX 2.99% uses network-converted AUD base; this subtotal excludes it and current network quote · Sources: coinjar-au-card-fees
- Current crypto sale quote/spread is unknown · Sources: coinjar-au-card-pds
- ATM operator fee is unknown · Sources: coinjar-au-card-fees
Captured terms, claims and unresolved facts
Source text is retained in its recorded language. Official documents are not a direct product test. Conditional charges below are not automatically recurring monthly charges.
Documented term · monthly-card-fee
CoinJar Card has no monthly maintenance fee.
CoinJar Card fees and limits: maintenance rows (monthly/annual fees) · Terms checked: 2026-10-19
- Zero refers to the card maintenance fee only; purchase, foreign-exchange, ATM and event charges are separate.
Sources: CoinJar Card fees and limits (coinjar-au-card-fees)
Documented term · issuer-type-and-rights
EML Payment Solutions Limited issues the prepaid Mastercard; CoinJar Australia distributes as authorized representative; no Australian Financial Claims Scheme guarantee.
PDS sections 6–7 and 11; current terms section 8 · Terms checked: 2026-10-19
- Marketing debit label and selecting Credit on an ATM do not reclassify the legal card.
Sources: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds) Terms of Service (coinjar-au-current-terms)
Documented term · eligibility-and-formats
Australian resident age 18+ and verified CoinJar account; current App ordering supports digital/physical; physical delivery requires a valid Australian physical address.
PDS section 8 PDF page 6; current ordering/activation steps · Terms checked: 2026-10-19
- Residence comes from PDS, not inferred from shipping.
- Individual acceptance and delivery were not tested.
Sources: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds) Ordering and activating your CoinJar Card (coinjar-au-order)
Documented term · funding-path
Spendable Balance sells chosen supported crypto to AUD at transaction time; no direct separate card deposit or overdraft.
PDS sections 2 and 15.5–15.6 · Terms checked: 2026-10-19
- Current conversion quote/spread is unknown.
Sources: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
Documented term · known-programme-fees
Digital/physical issuance and replacement 0; monthly/annual maintenance and inactivity 0; purchases 1%; physical ATM 1% plus operators; additional FX 2.99%.
Issuance, maintenance, purchase, FX and physical ATM rows · Terms checked: 2026-10-19
- Known percentages are separate components, not an all-in quote.
Sources: CoinJar Card fees and limits (coinjar-au-card-fees)
Provider claim · points-not-cash
Programme describes CoinJar points, including one point per AUD 1 spent and fee-related points; no guaranteed fiat cashback value or realized redemption verified.
Points/rewards description · Terms checked: 2026-10-19
- rewards remains null; it does not assert that no points exist.
Sources: CoinJar Card fees and limits (coinjar-au-card-fees) Best Bitcoin & Crypto Debit Card in Australia (coinjar-au-program)
Documented term · additional-fx
Additional foreign-currency percentage on converted AUD base: {"percent": 2.99, "exampleConvertedAud": 218, "exampleFxAud": 6.52, "examplePurchaseAud": 2.18}
Foreign AUD 218 example: extra 2.99% plus 1% purchase · Terms checked: 2026-10-19
- Scalar fees.fx retains percentage, but productCost does not consume it or supply the network conversion base.
- Additional fee is separate from the network-converted amount; do not double-count conversion.
Sources: CoinJar Card fees and limits (coinjar-au-card-fees)
Documented term · dispute-fee
Unsuccessful dispute fee: {"amount": 27.5}
Fee table dispute AUD 27.50; PDS unsuccessful-dispute qualification · Terms checked: 2026-10-19
- Scenario has no dispute event/outcome.
- Unsuccessful dispute, not automatically every complaint.
Sources: CoinJar Card fees and limits (coinjar-au-card-fees) COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
Documented term · transaction-limits
Purchase/ATM amount limits: {"maximumPos": 5000, "dailyCombined": 5000, "atmDaily": 1000, "atmMinimum": 20}
PDS section 15.8 · Terms checked: 2026-10-19
- Legacy v1 aggregate limitation: Monthly aggregate inputs do not enforce per-transaction/daily ceilings or ATM minimum.
- Physical-card ATM and total daily activity.
Sources: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
Documented term · availability-provenance
Current captured programme/application documents support the stated service/application state; individual approval and live application operation were not tested.
App Explore → Card; digital/physical ordering and Australian physical address · Terms checked: 2026-10-19
- ACTIVE is programme status, OPEN is a documented route, neither is a guaranteed personal approval.
Sources: Ordering and activating your CoinJar Card (coinjar-au-order)
Unresolved fact · unknown-pricing-and-rewards
Current executable crypto quote/spread, individual rewards/points realization, staking/lockup applicability and complete account cost remain unverified.
Limits of captured programme documents · Terms checked: 2026-10-19
- Null is unknown or not represented in this model, not a documented zero.
Sources: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
Product structure
- Provider
- CoinJar
- Issuer
- EML Payment Solutions Limited
- Program manager
- Not verified
- Card type / network
- PREPAID / MASTERCARD
- Virtual / physical
- Yes / Yes
- Funding assets
- AUD
- Funding methods
- CoinJar Everyday Account Spendable Balance; selected supported crypto sold to AUD and loaded at transaction time
- Custody model
- CUSTODIAL
- KYC requirement
- REQUIRED
- Conversion mechanism
- PDS describes selling the selected crypto from Spendable Balance into AUD at transaction time. Card is not separately directly funded and has no overdraft; current quote/spread not captured.
- Withdrawal conditions
- Physical-card ATM fee 1% plus operator fees; no monthly free allowance captured. Daily ATM maximum AUD 1,000, minimum AUD 20; daily combined transaction ceiling AUD 5,000.
- Staking requirements
- Not verified
- Lock-up requirements
- Not verified
Eligibility
AU
A documented residence-rule match is not individual account/card approval; identity verification and the current application process remain separate. · Nationality and tax-residency requirements are not inferred from shipping, language or network acceptance. · PDS requires Australian resident age 18+ and verified CoinJar account; physical card needs valid Australian physical address. App ordering process exists, but no application was attempted.
Eligibility checked: 2026-10-19
Fees and conditions
- monthly: 0 AUD · 2026-10-19 · CoinJar Support AU
- issuance: 0 AUD · 2026-10-19 · CoinJar Support AU
- funding: Not verified
- conversion: Not verified
- spread: Not verified
- fx: 2.99% · 2026-10-19 · CoinJar Support AU
- atm: 1% · 2026-10-19 · CoinJar Support AU
- withdrawal: Not verified
Rewards and conditions
Not verified
Risk disclosure
- Official-document verification only; no account, transaction, ATM withdrawal, conversion, reward or complaint tested.
- Crypto sale quotes/spreads and individual onboarding outcomes remain unknown; no personal tax or legal conclusion is made.
- PDS section 11 states no Australian Financial Claims Scheme protection; no bank-deposit insurance or independent recovery conclusion is made.
- PDS requires Australian resident age 18+ and verified CoinJar account; physical card needs valid Australian physical address. App ordering process exists, but no application was attempted.
- Official marketing uses debit terminology; legal card classification follows the PDS prepaid structure. EML is issuer; CoinJar Australia is distributor/authorized representative, not inferred programme manager.
- Purchase fee 1%; additional foreign currency fee 2.99% on the Mastercard-converted AUD amount; do not charge the same network conversion twice.
- CoinJar points are not assured fiat cashback. One point per AUD 1 and fee-related points claims do not support a cash 1% savings assumption.
- Captured unsuccessful-dispute fee AUD 27.50; limits and dispute event conditions are not fully enforced by monthly cost calculation.