Bitvavo vs Coinjar: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Bitvavo and Coinjar This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 16, 2025

Bitvavo

Coinjar

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Available Countries

United States

Europe

Yes

Latin America

India

China

Canada

United Kingdom

Yes

United States

Yes

Europe

Latin America

India

China

Canada

Yes

United Kingdom

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Bitvavo is ideal if:

Europe-based beginners: Bitvavo’s clean design, intuitive mobile and web platform, and supportive onboarding make it a strong match if you're new to crypto in the EU.
Security-conscious traders: With regulated operations, cold-storage protection, multi-signature transfers, and a clear regulatory standing in Europe, it’s a solid pick for those prioritizing safety.
Passive holders: Features like built-in staking or “Earn” options give you a straightforward way to generate passive income from your crypto holdings (without complexity).

Coinjar is ideal if:

Best for beginners: Its intuitive interface and built-in wallet features make buying, holding, and sending crypto simple—even if you’re new to the space
Great mobile experience: The sleek iOS and Android apps let you manage crypto conveniently on the go, with dependable support and solid security
Option for power users: The CoinJar Exchange platform delivers advanced, customizable trading layouts and tools for those who need greater control

Bitvavo isn’t ideal if:

Outside EU? Bitvavo only serves SEPA-zone residents, so if you live outside Europe, you won’t be able to register or use the platform.
Advanced traders only? If you're into derivatives, margin, futures, or algorithmic (bot) trading, Bitvavo lacks those features.
Prefer full 24/7 support? Customer support isn't available round-the-clock, so off-hours support might be delayed.

Coinjar isn’t ideal if:

Not for advanced traders: It lacks sophisticated tools like margin trading, futures, lending, or staking that power users often look for.
Limited crypto variety & regions: Offers fewer coin options and full functionality only in Australia and the UK, so global reach is constrained.
Suitable only for simpler needs: No demo accounts, investment advice, or educational overlays—so beginners seeking guided learning might not find that support.

Fees & Total Costs

Spot Maker/Take

Maker/taker fees are tiered based on your 30-day trading volume across Euro markets, with rates decreasing as volume increases; makers pay less than takers, and trading pairs involving USDC generally offer slightly lower fees.

CoinJar Exchange charges tiered maker/taker fees for fiat-to-crypto pairs—starting around 0.10% for both and reaching as low as approximately 0.02% maker / 0.06% taker at high volume—with zero maker fees on crypto-to-crypto and very low taker fees; there is no native-token discount system.

Futures/Derivatives

Bitvavo does not support futures or derivatives trading in any form, so maker, taker, or funding fees for such instruments are not applicable.

CoinJar does not support futures or derivative trading, so there are no associated maker/taker or funding costs.

Average Spreads on Liquid Pairs

In instant (spot) trades, there is a modest spread for liquid pairs like BTC/EUR or ETH/EUR (around a small fraction of a percent), though this is eliminated when using advanced limit orders on their pro interface.

Spreads aren’t published explicitly, but CoinJar Exchange advertises razor-thin spreads on liquid pairs backed by deep liquidity, catering especially to institutional traders.

Fiat Deposits & Withdrawals

You can deposit and withdraw euros via SEPA and popular local methods—for example, iDEAL or Bancontact—with no charges and typical settlement in a few business days; card or PayPal options are faster but carry a small percentage-based cost.

Fiat deposits and withdrawals via common routes (such as Faster Payments, SEPA, PayID) are typically free and fairly fast (ranging from minutes to a few business days), though wire transfers (especially USD via Fedwire) may incur a fixed fee (e.g., around USD 10/20) with processing times of several business days.

On-chain Withdrawals

Crypto withdrawals carry a dynamic, network-based fee that aligns with blockchain conditions to ensure timely processing, and may include a markup compared to a private wallet to cover infrastructure and security.

External crypto withdrawals are charged a dynamic network fee, recalculated every ~15 minutes based on blockchain congestion and transaction size, differing per coin (e.g. BTC, ETH, TRX), rather than a flat fixed fee.

Hidden Costs

Bitvavo maintains transparent pricing with no inactivity fees, no hidden charges, and no premium for expedited KYC; indirect costs may stem from fiat conversion if your account currency differs or from wider spreads during volatility.

CoinJar applies straightforward conversion fees (e.g., converting between fiat and crypto typically carries a flat 1%), and while there are no inactivity or express KYC fees, dispute or investigation requests can incur extra charges; currency conversion rates may also implicitly impact cost.

Real-World Cost Example: “€500 BTC

For instance, a €500 purchase of BTC via market order would incur a small combined effect of a liquidity fee plus a minimal spread, and later withdrawing that BTC would require paying a network-based withdrawal fee—altogether still relatively modest compared to industry norms.

Suppose you use €500 to buy BTC

Crypto Offering & Trading Features

Number of Coins & Pairs

Bitvavo supports over 200 crypto assets in more than 400 trading pairs, with its top-20 by volume typically including high-liquidity EUR pairs such as BTC/EUR, ETH/EUR, XRP/EUR, SOL/EUR, ADA/EUR, and others.

CoinJar supports around 60 to 70 cryptocurrencies on the main platform, while the CoinJar Exchange offers roughly 380 to 390 trading pairs—many of which involve top-volume coins like BTC, ETH, ADA, DOT, LINK, SOL, and XRP depending on market dynamics.

Product Range

Bitvavo offers spot trading, recurring buys (automatic DCA), staking and lending (“Earn”), but it does not support margin, derivatives, options, crypto ETFs, copy trading, grid bots, or similar advanced instruments.

CoinJar provides spot trading, recurring buys (DCA), and thematic crypto bundles, plus a crypto-linked Mastercard; however, it does not support derivatives like margin, futures, options, ETFs, copy trading, grid bots, or lending—staking isn’t yet officially offered via the platform.

Liquidity

Bitvavo’s daily spot trading volume can reach into the high hundreds of millions to over a billion USD, with deep order book depth in BTC/EUR and ETH/EUR enabling tight spreads and smooth execution in large orders.

CoinJar Exchange handles moderate daily trading volume in the low-millions of USD, and touts “ultra-deep liquidity” and a low-latency matching engine for its top pairs, ensuring narrow spreads and reliable order execution.

Tools

You can use market, limit, stop-limit, and “price guarantee” orders, with advanced time-in-force options; the platform includes native TradingView charts, REST and WebSocket APIs for live data and trading, though no OCO or conditional chains.

The platform supports standard order types—limit, market, stop, and OCO-style (time-enforced)—alongside customizable dashboards with chart overlays; it also offers documented APIs and WebSocket feeds for integration, though there’s no built-in TradingView interface.

Geographic Restrictions by Product

Certain features—like lending (earn)—are restricted in select jurisdictions (for example, Germany), and advanced products like derivatives are globally unavailable, reflecting regional regulatory limits.

CoinJar’s advanced trading tools (like CoinJar Exchange) are fully available only in supported jurisdictions (e.g. Australia, UK, select European countries), while derivative products are not offered anywhere—restricting professionals to spot and bundle offerings.

Innovation

Bitvavo continually enhances its Earn program with both Flex (on-demand access) and Fixed (locked, higher-return) staking and lending structures, though it doesn’t currently offer launchpad or launchpool-style token events.

CoinJar continues innovating with features like auto-DCA via recurring buys and themed crypto bundles, but does not currently offer offerings such as launchpads, launchpools, or both flexible and locked earn programs.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Bitvavo is operated by Bitvavo B.V., founded in 2018 and headquartered in Amsterdam, Netherlands.

CoinJar was founded in 2013 in Melbourne, Australia, and operates under CoinJar Australia Pty Ltd; it also maintains a registered presence in the UK through its London-based subsidiary.

Licenses/Registration

Bitvavo holds a Markets in Crypto-Assets (MiCA) license granted by the Dutch Authority for the Financial Markets, allowing it to offer regulated crypto services across the European Economic Area.

CoinJar is officially registered with AUSTRAC in Australia and is also recognized by the UK’s Financial Conduct Authority as both a Cryptoasset Exchange Provider and Custodian Wallet Provider.

Custody

Assets are held with external, insured custody providers like Coinbase Custody and Copper; Bitvavo publishes quarterly independent Proof of Reserves attestations showing assets are fully backed, with a significant majority stored in cold, multi-signature custody.

Customer assets are held via trusted third-party custodians (BitGo and Fireblocks), with over 90% stored in cold, multi-sig or MPC wallets; CoinJar maintains full backing of customer balances and undergoes regular security audits.

Insurance & Protection Funds

User funds in custody are covered by a large insurance policy held by custodial partners, and Bitvavo offers an internal “Account Guarantee” that may reimburse eligible users up to €100,000 in cases of unauthorized access.

Institutional-level custody solutions include optional insurance coverage up to US $250 million for eligible clients; retail customer protection is built through secure infrastructure and audit readiness.

Incident History

Bitvavo has had no known hacks, but did experience technical outages and a brief data exposure incident, all resolved transparently, with no loss of assets or fines reported.

CoinJar has a strong safety track record with no known major hacks, system-wide suspensions, or regulatory fines, and has provided uninterrupted service since its founding.

Risk Controls

The platform supports strong security controls including mandatory 2FA, anti-phishing codes, API key restrictions with granular permissions, but does not offer sub-accounts or address whitelisting.

The platform enforces robust security measures—mandatory 2FA, machine-learning based fraud detection, whitelists for trusted devices, encrypted API access with granular permission settings, and anti-phishing safeguards.

Transparency

Bitvavo promotes transparency through quarterly Proof of Reserves attestations and clear regulatory disclosures—though it does not publish public wallet addresses, detailed monthly reports, or formal SLAs.

CoinJar offers real-time system status updates, maintains customer-friendly incident reporting, and operates with clear internal infrastructure processes—but does not publish public wallet addresses or monthly reserve reports.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

You can deposit euros via SEPA bank transfers, local options like iDEAL or Bancontact, as well as card payments and PayPal; SEPA and iDEAL support high maximums with no fees and settle in 1–2 business days, while PayPal and card top-ups are instant but carry percentage-based charges.

CoinJar accepts deposits via bank transfer (wire in the US, PayID, FPS, or SEPA in supported regions), credit/debit card in some countries, and e-wallets where enabled; minimums and maximums vary by region and identity-verified status, and processing times range from near-instant (e.g. PayID, Faster Payments) to a few business days for standard transfers.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Full identification is mandatory to use the platform—there is no basic or limited mode; until you complete KYC (uploading ID and a short selfie video), deposits, trades, and withdrawals are blocked, while enhanced limits and quicker large transfers may require further compliance documentation.

Accounts must complete identity verification to unlock any transaction limits; before verification, deposit, withdrawal, and trading capabilities are restricted to zero, while verified accounts gain rolling daily and monthly limits tailored to their region.

Withdrawals

Daily withdrawal capacity is capped (around €25,000 combined fiat and crypto) unless you provide source-of-funds documents; crypto withdrawals use only one approved network per asset—typically the native chain (e.g., ERC-20 for Ethereum)—and are processed as blockchain confirmations allow.

Crypto withdrawals are subject to dynamic network fees varying by blockchain; withdrawal limits and processing speeds align with verification status, and supported networks align with each coin (e.g., ERC-20, TRC-20) as shown post-login under account limits.

Customer Support

You can reach support via email and access a comprehensive Help Center for documentation; while there’s no guaranteed 24/7 live chat, response times are reasonable and often backed up with detailed FAQ articles covering common scenarios.

CoinJar provides support via email and a detailed self-help knowledge base, with availability during extended hours (typically local business hours into late evening), and generally responds within a business day—no 24/7 live chat, but clear help articles for common questions.

Languages & Localization

The interface is fully localized in multiple languages including English, displayed in euros by default, and aligned with EU/EEA regulations to ensure local compliance and intuitiveness for European users.

The platform operates in English (with localized versions like US, UK, AU), displays fees in local fiat (e.g. EUR, USD, GBP), and tailors regulatory compliance messaging according to jurisdictions.

App Quality & Stability

Bitvavo’s mobile and web apps are known for smooth stability with minimal crashes, and they receive regular updates to improve performance and roll out pro features, maintaining a solid user experience across devices.

The CoinJar mobile app is stable and regularly updated across iOS and Android, with few reported crashes; although exact crash rates aren’t published, user feedback indicates a smooth experience and frequent updates for performance and UI enhancements.

Experience, Performance & Ecosystem

UX/UI

Bitvavo offers a user-friendly “Lite” mode for beginners and a powerful “Pro” interface tailored for advanced users, featuring resizable dashboards, keyboard shortcuts, and integrated TradingView charts—making adoption smooth whether you’re new or experienced.

CoinJar offers a polished and intuitive interface that scales from beginner to professional use—while there’s no formal “Lite/Pro” toggle, the platform’s clean design adapts seamlessly from simple recurring buys to a fully customizable trading dashboard tailored for advanced users.

Performance

Bitvavo Pro is optimized with faster chart interactions and order execution, scaling well even during high-volatility spikes; while onboarding may slow slightly during bull markets, the platform remains reliable under load.

The platform’s upgraded matching engine ensures swift order execution and noticeably smoother performance during volatile periods, without documented service interruptions or KYC backlog issues—even during high-traffic bull markets.

Education

Bitvavo Learn delivers structured, multilingual educational modules—from beginner to intermediate—covering crypto fundamentals and trading concepts, although there are currently no live simulators or Spanish-specific demo environments.

CoinJar does not currently offer a dedicated academy, trading simulator, or demo mode, and educational materials remain primarily in English—Spanish-language support and interactive learning tools are not yet incorporated.

Community

Bitvavo maintains an active help center and a referral program that rewards users for inviting others, but does not run its own public forums, Discord, or Telegram community channels.

While CoinJar lacks public forums or an official Discord/Telegram community, it does support engagement through its blog, in-app news feed, and a referral program that encourages users to invite friends—though direct peer-to-peer community hubs are limited.

Integrations

The platform integrates seamlessly with TradingView for chart-based trading and offers REST/WebSocket APIs for developers—supporting external bots and connection to third-party tax or accounting tools.

The mobile app now features integrated TradingView charts for enhanced technical analysis; additionally, CoinJar supports external tax and portfolio tools like CoinTracker, Koinly, and CryptoTaxCalculator via API or CSV integration—but there’s no formal marketplace for trading bots or accounting plugins.

Who Each One Is Best For

Bitvavo Lite is ideal for casual and new crypto users, while Bitvavo Pro is built for active or professional traders needing advanced analysis and execution tools—giving each group the right balance of simplicity or sophistication.

CoinJar excels for casual investors and beginners who appreciate recurring buys, clean design, and mobile-friendly tools, while also meeting the needs of intermediate traders through its adjustable interface and integrated charting—though it may feel limited to users seeking demo accounts, Spanish-based learning, or vibrant community forums.