CoinJar fees – what you really pay when trading crypto

When working with CoinJar fees, the cost structure applied by the Australian crypto platform CoinJar for buying, selling, depositing and withdrawing digital assets. Also known as CoinJar charge schedule, it determines how much of your money disappears as a service fee.

Cryptocurrency exchange fees, the various percentages and flat rates that platforms charge for each trade, withdrawal or conversion vary widely, and CoinJar’s model sits somewhere between the high‑frequency exchanges and the flat‑rate brokers. CoinJar fees encompass a tiered percentage that drops as your monthly trading volume rises, a classic example of how exchange fees adapt to user activity.

In the Australian crypto market, regulators expect transparent pricing, so CoinJar publishes a schedule that changes with your monthly volume. This market‑driven requirement influences how the platform structures its maker/taker split, ensuring compliance while staying competitive.

Key components of CoinJar’s fee structure

The platform uses a maker/taker fee model, where makers add liquidity and often pay less than takers who remove it. Makers typically enjoy fees as low as 0.10%, while takers may see rates around 0.25% at entry‑level volumes. This model influences user trading costs directly – the more liquidity you provide, the less you pay.

All fees are calculated on the CoinJar wallet, the integrated digital wallet that holds your crypto assets within the app. Whether you deposit AUD, convert it to Bitcoin, or withdraw Ether, the wallet acts as the fee‑bearing layer. Deposit fees are usually flat (e.g., $0 for AUD top‑ups) but can include small network charges for crypto arrivals.

Withdrawal fees follow a hybrid approach: a base flat fee plus a network fee that mirrors the blockchain’s current congestion. For example, moving Bitcoin out of CoinJar might cost a $1 flat fee plus the Bitcoin network’s miner fee. This dual structure reflects the broader trend in cryptocurrency exchange fees that blend platform revenue needs with real‑world transaction costs.

Volume‑based discounts are another pillar. If you trade more than AUD 10,000 in a month, your maker fee can drop to 0.07% and taker fee to 0.20%. Hitting higher thresholds (AUD 50,000 or AUD 100,000) pushes rates even lower. This tiered system shows how Australian crypto market participants are rewarded for activity, encouraging larger traders to stay within the ecosystem.

Beyond pure percentages, CoinJar adds a small spread on each conversion – typically 0.5% on top of the market price. This spread is built into the quoted price you see, so it’s not a hidden charge but a standard part of the cost equation. Understanding this spread helps you compare CoinJar to other platforms that may advertise “zero fees” but hide larger spreads.

In practice, the total cost of a trade equals the sum of the maker/taker fee, the spread, and any applicable network fee. For a 0.25% taker trade of AUD 5,000 into Ethereum, you’d pay about AUD 12.50 in taker fees, plus a 0.5% spread (≈ AUD 25), and a modest network fee of a few dollars. Knowing each piece lets you plan your strategy and avoid surprise expenses.

Finally, tax considerations intersect with fees. In Australia, every fee you pay reduces your cost basis, impacting capital gains calculations. While this guide focuses on the fee mechanics, you’ll also find articles in the collection below that break down the tax side of using CoinJar.

Now that you’ve got a clear picture of how CoinJar builds its fee schedule, you can move on to the detailed articles that dive deeper into specific fee scenarios, comparison charts, and practical tips for minimizing costs while trading on the platform.