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.
最近更新: 2026-10-19 · 在 14 天复核周期内 · 仅供教育与研究，不构成投资、法律或税务建议。
项目生命周期: ACTIVE · 新申请状态: 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.
字段复核队列（证据核对周期 14 天）
- 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: 未知 · UNKNOWN ·
- fees.conversion: 未知 · UNKNOWN ·
- fees.spread: 未知 · UNKNOWN ·
- fees.fx: 2026-10-19 · CURRENT · coinjar-au-card-fees
- fees.atm: 2026-10-19 · CURRENT · coinjar-au-card-fees
- fees.withdrawal: 未知 · UNKNOWN ·
- rewards: 未知 · UNKNOWN ·
核对已记录的居住条件
仅核对填写的居住事实。国籍、税务居民、发行、配送、账户核验及个人审批分别判断。输入仅保留在本页。
计算已记录的项目费用
v2 教学场景。请填写费用扣取前、以卡币种计价的本金；不获取实时汇率，也不授权交易。未填事件事实保持未知。输入仅保留在本页。
旧版汇总模型限制
这些保守的 v1 缺项为旧调用保留。下方 v2 场景可判定已表示的条件；未知价格和交易限制仍单独列明。
- Known unsuccessful-dispute and per-transaction/daily limit conditions are outside monthly scenario inputs · 来源: 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 · 来源: coinjar-au-card-fees
- Current crypto sale quote/spread is unknown · 来源: coinjar-au-card-pds
- ATM operator fee is unknown · 来源: coinjar-au-card-fees
已记录条款、平台声明与未决事实
来源文字保留记录时的语言。官方文件核验不等于直接实测产品。以下条件费用不自动视为每月固定收费。
文件记载条款 · monthly-card-fee
CoinJar Card has no monthly maintenance fee.
CoinJar Card fees and limits: maintenance rows (monthly/annual fees) · 条款核对日期: 2026-10-19
- Zero refers to the card maintenance fee only; purchase, foreign-exchange, ATM and event charges are separate.
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- Marketing debit label and selecting Credit on an ATM do not reclassify the legal card.
来源: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds) Terms of Service (coinjar-au-current-terms)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- Residence comes from PDS, not inferred from shipping.
- Individual acceptance and delivery were not tested.
来源: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds) Ordering and activating your CoinJar Card (coinjar-au-order)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- Current conversion quote/spread is unknown.
来源: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- Known percentages are separate components, not an all-in quote.
平台声明 · 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 · 条款核对日期: 2026-10-19
- rewards remains null; it does not assert that no points exist.
来源: CoinJar Card fees and limits (coinjar-au-card-fees) Best Bitcoin & Crypto Debit Card in Australia (coinjar-au-program)
文件记载条款 · 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 · 条款核对日期: 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.
文件记载条款 · dispute-fee
Unsuccessful dispute fee: {"amount": 27.5}
Fee table dispute AUD 27.50; PDS unsuccessful-dispute qualification · 条款核对日期: 2026-10-19
- Scenario has no dispute event/outcome.
- Unsuccessful dispute, not automatically every complaint.
来源: CoinJar Card fees and limits (coinjar-au-card-fees) COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
文件记载条款 · transaction-limits
Purchase/ATM amount limits: {"maximumPos": 5000, "dailyCombined": 5000, "atmDaily": 1000, "atmMinimum": 20}
PDS section 15.8 · 条款核对日期: 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.
来源: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- ACTIVE is programme status, OPEN is a documented route, neither is a guaranteed personal approval.
来源: Ordering and activating your CoinJar Card (coinjar-au-order)
未决事实 · 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 · 条款核对日期: 2026-10-19
- Null is unknown or not represented in this model, not a documented zero.
来源: COINJAR MASTERCARD PRODUCT DISCLOSURE STATEMENT (coinjar-au-card-pds)
产品结构
- 提供商
- CoinJar
- 发行方
- EML Payment Solutions Limited
- 项目管理方
- 未核验
- 卡类型与卡组织
- PREPAID / MASTERCARD
- 虚拟卡与实体卡
- 是 / 是
- 充值资产
- AUD
- 充值方式
- CoinJar Everyday Account Spendable Balance; selected supported crypto sold to AUD and loaded at transaction time
- 托管模式
- CUSTODIAL
- KYC 要求
- REQUIRED
- 兑换机制
- 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.
- 提现条件
- 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.
- 质押要求
- 未核验
- 锁定要求
- 未核验
适用条件
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.
资格核验日期: 2026-10-19
费用与条件
- monthly: 0 AUD · 2026-10-19 · CoinJar Support AU
- issuance: 0 AUD · 2026-10-19 · CoinJar Support AU
- funding: 未核验
- conversion: 未核验
- spread: 未核验
- fx: 2.99% · 2026-10-19 · CoinJar Support AU
- atm: 1% · 2026-10-19 · CoinJar Support AU
- withdrawal: 未核验
奖励与条件
未核验
风险披露
- 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.