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

Trying to choose between Coinjar and Zebpay 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

Coinjar

Zebpay

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Available Countries

United States

Europe

Yes

Latin America

India

China

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

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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

Zebpay is ideal if:

Beginner-Friendly with Smart Tools – Offers intuitive tools like curated CryptoPacks and performance analytics, so newcomers can diversify and follow asset trends easily.
Robust Security & Trust – Maintains rigorous protection with multi-sig cold storage, bug bounty programs, and encryption, building confidence in safeguarding your assets.
Convenient Global Access – Supports fiat-to-crypto transactions across device types in many regions, making it a flexible choice for users worldwide.

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.

Zebpay isn’t ideal if:

Limited crypto diversity for global users – Outside core markets, the exchange offers a narrower selection of coins compared to larger global platforms.
No margin, leverage, or passive income flexibility – Advanced traders won’t find features like margin trading or extensive staking/investment options.
Mixed customer feedback quality – While some users report responsive support, others cite unresolved disputes or slow resolutions, impacting reliability perception.

Fees & Total Costs

Spot Maker/Take

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.

ZebPay’s spot trading fees often follow a tiered structure—beginners may be charged around 0.15% maker and 0.25% taker, while high-volume users can benefit from reduced rates (e.g., 0.06% maker, 0.10% taker)—but there is no public mention of discounts via native token holdings.

Futures/Derivatives

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

Futures trading on ZebPay is available mainly to KYC-verified Indian users via perpetual contracts (e.g., BTC-INR, ETH-INR), though fee and funding specifics aren’t openly disclosed on the main help pages.

Average Spreads on Liquid Pairs

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

ZebPay’s publicly shared data doesn’t specify average spreads for pairs like BTC/USDT or ETH/USDT, suggesting this detail isn’t prominently published or may vary by region and market conditions.

Fiat Deposits & Withdrawals

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.

ZebPay typically offers fee-free fiat deposits and withdrawals via bank transfers, though in some regions instant deposit methods (like UPI or net banking) may carry small flat fees—processing time varies based on the local payment network.

On-chain Withdrawals

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.

Withdrawal fees depend on the specific cryptocurrency and location—e.g., India-based users pay around 0.0006 BTC for a Bitcoin withdrawal, while international users may enjoy free withdrawals; fees for other assets like ETH or TRX aren’t clearly listed.

Hidden Costs

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.

ZebPay applies a monthly inactivity fee (e.g., 0.0001 BTC plus GST) if there’s no trading or lending activity in the prior month, representing a cost that may be overlooked by inactive users.

Real-World Cost Example: “€500 BTC

Suppose you use €500 to buy BTC

For a €500 BTC purchase, you’d incur the current trading fee percentage plus any spread (not publicly quoted), and if you were an Indian user withdrawing BTC, a fixed network fee (e.g., 0.0006 BTC) would apply—resulting in combined but approximated costs based on standard spot fees and withdrawal charge.

Crypto Offering & Trading Features

Number of Coins & Pairs

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.

ZebPay supports over 300 different cryptocurrencies, with the top 20 by volume typically including major names like Bitcoin, Ethereum, XRP, Litecoin, and others among the largest market-cap assets.

Product Range

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.

The platform offers spot trading, perpetual futures (for KYC-verified Indian users), fixed-term crypto lending via a “Lend” feature, and curated CryptoPacks—however, there are no margin trading, options, ETFs, copy-trading, grid bots, or automated DCA tools.

Liquidity

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.

While precise liquidity figures aren’t publicly indicated, ZebPay handles large trading volumes (billions in trade volume reported) implying sufficient depth particularly in BTC/ETH pairs—though order book details remain undisclosed.

Tools

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.

Users can place basic Market and Limit orders, utilize tools like Take Profit/Stop Loss, and benefit from a single-window interface—advanced features like OCO, native TradingView charts, real-time alerts, or full API/WebSocket support aren’t clearly emphasized.

Geographic Restrictions by Product

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.

Futures trading is restricted to KYC-verified Indian users, spurred by regional regulatory choices; other products such as lending or spot trading are available more broadly, subject to country eligibility rules.

Innovation

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.

ZebPay offers innovative features like CryptoPacks bundles and fixed-term lending with auto-renewal; however, there’s no launchpad or launchpool activity, nor flexible vs locked earn distinctions publicly highlighted.

Security, Regulation & Custody

Operating Entity & Jurisdiction

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.

ZebPay is operated by Awlencan Innovations India Limited, founded in 2014 and headquartered in India (with ties to Singapore), functioning under Indian jurisdiction for its core operations.

Licenses/Registration

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.

The exchange is registered under India’s Prevention of Money Laundering Act (PMLA) and with the Financial Intelligence Unit (FIU), reflecting its full compliance with local crypto asset regulations and standards.

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.

ZebPay partners with trusted third-party custody services to implement multi-chain security and cold storage, with around 98% of assets held offline. It claims to maintain 100% reserves and supports third-party audit protocols like Proof of Reserves using Merkle trees.

Insurance & Protection Funds

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.

There is no public mention of specifically insured assets or a dedicated protection fund for users, suggesting that standard insurance or compensation policies are not prominently featured.

Incident History

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.

ZebPay maintains a clean incident record, signalling it has not experienced any hacks, outages, or regulatory penalties to date, demonstrating a strong operational track record.

Risk Controls

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.

The platform features robust risk controls including mandatory two-factor authentication (2FA), phishing safeguards, bug bounty programs, and advanced wallet protection measures like MPC/Multi-Sig, IP whitelisting, and transaction-level velocity checks.

Transparency

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.

While ZebPay emphasizes high compliance and security standards, it does not publish regular transparency reports, public wallets, or specific service-level agreements (SLAs), indicating limited user-facing audit transparency.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

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.

International users can deposit fiat via bank transfer (AUD, EUR, etc.), with minimum/maximum transaction limits visible in the app and typical processing times of up to two business days; Indian users enjoy Instant Deposit via IMPS or UPI and manual NEFT/RTGS options, with region-specific minimums and restricted to registered bank accounts.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

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.

The platform applies tiered KYC levels—ranging from basic to advanced—with higher verification unlocking larger withdrawal limits and daily transaction caps; upgrading requires submitting additional documents via support ticket.

Withdrawals

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.

Crypto withdrawal limits scale by KYC level and whether the address is whitelisted, with whitelisted transfers offering much higher daily caps; fiat withdrawals go to registered bank accounts only, processed within up to two business days.

Customer Support

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.

Support is provided via in-app tickets, live chat, and social media channels; response quality varies, with some users praising timely help and others citing unresolved issues—support aims to respond promptly and offers a detailed help base.

Languages & Localization

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.

ZebPay’s interface is natively in English, with fiat values typically displayed in local currencies like €/USD/INR depending on region; the platform tailors its offerings according to local regulations and payment infrastructure.

App Quality & Stability

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.

ZebPay provides mobile apps for iOS and Android that are generally stable and user-friendly; while crash stats aren’t disclosed, the platform regularly updates the app and pushes security improvements to enhance reliability.

Experience, Performance & Ecosystem

UX/UI

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.

ZebPay delivers an approachable interface with a sleek, dark-themed design that guides users—from beginners to pros—through intuitive navigation and educational tooltips; it lacks explicit “Lite” or “Pro” modes but offers a tailored experience via its progressive onboarding quiz.

Performance

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.

The platform maintains solid responsiveness and fast performance under normal conditions, though some mobile users report occasional lag during high volatility; overall, system stability holds up even when many users are onboarded simultaneously due to phased KYC processing.

Education

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.

ZebPay features a rich learning hub with a beginner-focused crypto education series (CryptoKiPathshala) and blog content, yet it lacks a hands-on demo or simulator, and Spanish-language materials are limited or absent.

Community

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.

While ZebPay fosters community via its blog and social channels (like Telegram and Twitter), it currently offers no dedicated forums or Discord, but does include a referral program to encourage user growth and engagement.

Integrations

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.

ZebPay provides robust REST APIs for developers and is exploring visual strategy-building tied to TradingView, though it does not yet support external tax tools or accounting integrations natively.

Who Each One Is Best For

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.

ZebPay is best suited for users seeking a secure, beginner-friendly platform with mobile-first design and API capability, while active traders needing community forums, multi-language education, or deep third-party integrations might find it less tailored to their needs.