Capital.com vs Coinjar: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Capital.com 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 September 5, 2025

Capital.com

Coinjar

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

Yes

United States

Yes

Europe

Latin America

India

China

Canada

Yes

United Kingdom

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Capital.com is ideal if:

For tech-savvy learners – Its intuitive, AI-powered platform and rich educational resources make it a great fit if you rely on smart tools to refine your trading strategy.
For traders across devices – With both proprietary web/mobile platforms and MetaTrader 4 support, it's ideal if you value flexibility in how and where you trade.
For internationally regulated users – Strong oversight from trusted authorities (FCA, CySEC, ASIC, and others) ensures you benefit from high-tier security and compliance.

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

Capital.com isn’t ideal if:

If you want direct ownership – It only offers CFD-based exposure, which means you don’t acquire the actual underlying assets.
If you need a wide variety of account types – Options beyond demo, retail, or professional are limited compared to some competitors.
If you're looking for copy trading or social features – It doesn’t support social trading or copy-trading capabilities.

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

Capital.com does not use classic maker/taker fees for spot trading; instead, all trading costs are embedded in the dynamic spread, and there is no tiered volume-based discount or native token benefit.

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

Capital.com offers CFDs on derivatives rather than crypto futures, so there are no separate maker/taker or funding fees—rather, overnight financing charges apply depending on position leverage and duration.

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

Average Spreads on Liquid Pairs

While exact numbers shift with market conditions, spreads on major crypto CFDs tend to be competitive and relatively tight during normal liquidity, reflecting a cost structure built into the quoted prices.

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 via credit/debit cards, bank transfers, or e-wallets with no deposit fees; card or digital payments are typically instant, while bank transfers may take a few days. Withdrawals are also free but processing can take up to five business days depending on the method.

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

Capital.com does not support direct on-chain crypto withdrawals, as it operates using CFDs—so there is no blockchain withdrawal fee to consider because you can’t withdraw crypto into an external wallet.

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

Hidden costs may include a currency conversion fee when trading in a currency different from your account base (around 0.7%), and an inactivity fee charged monthly after a year of dormancy; there are no express KYC fees.

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

If you buy €500 in BTC (via CFDs), your cost would include the embedded spread on entry, possible conversion if your base currency differs, and if you withdraw funds later via bank transfer, you’ll incur no Capital.com fee—only standard bank or intermediary charges may apply.

Suppose you use €500 to buy BTC

Crypto Offering & Trading Features

Number of Coins & Pairs

Capital.com offers CFD trading on around 400 crypto assets, with the most traded pairs including prominent names like BTC/USD, ETH/USD, SOL/USD, XRP/USD, DOGE/USD, SHIB/USD, and others that typically rank among the top 20 by volume.

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

The platform focuses on spot-style CFD trading with leverage and margin; it does not support perpetuals, options, crypto ETFs, staking, lending, copy trading, grid bots, or automated DCA features.

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

While exact figures vary with market conditions, BTC and ETH CFDs usually benefit from strong liquidity and tight order-book depth, ensuring that positioning in these flagship pairs remains fluid and responsive to market moves.

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

Traders get limit, stop and OCO-like functionality, plus smart price alerts, richly featured charting powered by a native TradingView integration, and a full REST & WebSocket API for deep automation and data access.

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

Crypto CFD derivatives are broadly available, but notably not offered to UK retail clients, reflecting regulatory constraints that may apply depending on your residence.

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

The platform focuses on core CFD trading and charting infrastructure and does not currently provide features like launchpads, launchpools, or flexible vs blocked “earn” products.

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

Capital.com operates through several legal entities—most notably Capital Com SV Investments Ltd in Cyprus (head office in Limassol), with regional arms like Capital Com MENA Securities Trading LLC in the UAE—established around 2016 and headquartered across jurisdictions like Cyprus, the UK, Australia, the Bahamas, and UAE.

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

The broker is regulated by top-tier authorities including CySEC (EU), FCA (UK), ASIC (Australia), SCB (Bahamas), and SCA (UAE); it complies with MiFID standards in the EU but is not classified as a VASP under current crypto-specific regulatory frameworks.

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

Client funds are held in segregated accounts with top-tier banks and not commingled with company assets, though there’s no public evidence of Proof of Reserves, audit reports, or specified cold-storage percentages specific to crypto holdings.

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

Retail clients in the EU receive coverage through Cyprus’ Investor Compensation Fund (up to a certain limit), and UK clients through FSCS; there is also mandatory negative balance protection for retail users, but there appears to be no standalone private insurance for custody.

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

There are no publicly reported major security breaches, trading suspensions, account freezes, or regulatory fines associated with the platform to date, indicating a clean historical safety record.

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

Security features include 2FA, internal fraud and anti-phishing safeguards, and supported tools for risk management; however, there is no explicit mention of whitelisted addresses, sub-account structures, or highly granular API permission tiers.

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

The platform provides regulatory compliance transparency through standard policies, but does not offer monthly audit reports, public wallet listings, or formal service-level agreements (SLAs) as part of its disclosures.

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

Capital.com lets you deposit via bank transfer, debit/credit cards, Apple Pay, Google Pay, PayPal, Neteller, Skrill, and regional services like iDEAL, Trustly, SPEI or Lean; minimums vary by method (typically $20 or equivalent), and funds via card or e-wallet tend to arrive instantly, whereas bank transfers may take a few business days.

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)

You must complete KYC before trading; basic verification covers deposits up to your initial funding, with advanced verification required for higher withdrawal amounts or accessing profits via bank transfer, but there’s no public tiered structure labeled “basic” vs “advanced” on their site.

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

Withdrawals must be made via the original deposit method up to that amount; profits require a verified bank account; minimums start around $20 or local equivalent, processing occurs within 24 hours (most within minutes), although it can take up to five business days depending on the provider.

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

Capital.com offers 24/7 chat support and email response through a help centre with quick turnaround, backed by a robust knowledge base covering deposits, tools, trading, and troubleshooting.

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 platform supports a wide array of languages including native-level Spanish, presents fees and pricing in local fiat formats like €, and is tailored and regulated per locale via regional subsidiaries.

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

Their mobile app is regularly updated to enhance performance and tools, showing strong stability with minimal reported crashes—though no specific crash rate or version history is publicly shared.

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

The interface is friendly for beginners, with a clean layout and intuitive navigation, while offering advanced charting tools that feel like a “Pro” experience—there’s no separate mode labeled Lite or Pro, but the design scales nicely with your growing skill.

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

The platform executes orders swiftly with minimal latency and holds up well even during volatile market conditions; account verification remains efficient without major backlogs, even when markets heat up.

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

Capital.com features a strong educational ecosystem, including a richly featured demo account, live webinars, glossaries, articles, and full Spanish-language content to guide both new and intermediate traders.

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

While it doesn’t host its own public forum or Discord, the platform encourages community via integrated social tools and offers a referral program that rewards users for inviting new traders.

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 integration with TradingView is seamless and empowers deep charting and automation, but there are no built-in tools for external bots, tax reports, or accounting features—those must be sourced externally.

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

This setup works best for traders who value polished interfaces with pro-level tools, rich educational support, and solid integrations—making it ideal for both curious beginners and performance-oriented intermediate users.

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.