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

Trying to choose between Crypto.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 August 16, 2025

Crypto.com

Coinjar

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Available Countries

United States

Yes

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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Crypto.com is ideal if:

Mobile-first crypto explorers: Ideal for users who want a sleek, all-in-one app experience—from buying and managing assets to using a crypto debit card for everyday spending.
Feature-curious investors: Great if you're looking for a platform that layers advanced options—staking, NFTs, lending, and even a customizable trading exchange—on top of a beginner-friendly interface.
Security-conscious users: Well-suited for those who value robust safeguards, including enterprise-grade certifications and a strong regulatory footprint across major markets.

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

Crypto.com isn’t ideal if:

Pure “buy & hold” investors: If your goal is simply to purchase and store crypto long-term, you might find other platforms more straightforward and less overloaded with extra features.
Desktop-first users: Some key functions—like card purchases—are only accessible via the mobile app, potentially limiting functionality for desktop-heavy users.
Entry-level traders with low volume: If you place small or occasional market orders, you may find the effective trading costs less competitive compared to more entry-volume friendly platforms.

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

Spot trading fees follow a tiered structure where higher 30-day trading volumes and staking of the native CRO token unlock progressively lower maker and taker rates, rewarding both liquidity providers and token holders.

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

Derivatives fees—including for perpetuals and futures—use maker/taker pricing and also incorporate funding rate costs, with potential zero maker fees or rebates available depending on CRO stake levels.

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

Average Spreads on Liquid Pairs

On deep liquidity pairs like BTC/USDT or ETH/USDT, spreads are kept narrow to reflect an efficient order book, though the exact difference between bid and ask may vary with market conditions.

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

Fiat can be moved via bank transfers or cards, with most basic deposit methods being essentially fee-free on the platform side and withdrawals varying by method; processing times range from near-instant to a few business days depending on the option.

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

When sending crypto externally, fees are determined per chain and typically set at a fixed amount rather than variable, with different values depending on the network—for example Bitcoin, Ethereum, or other supported assets.

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

Unadvertised charges may arise from non-native currency conversions, inactivity penalties if accounts are unused over long periods, or paying for expedited identity verification services when needed.

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 crypto worth roughly €500, you’d incur a small combined cost from order execution (dependent on order type and liquidity), a modest spread for execution price, and then any withdrawal fee when sending the asset off-platform—pulling these factors together gives a realistic cost overview for a typical user.

Suppose you use €500 to buy BTC

Crypto Offering & Trading Features

Number of Coins & Pairs

Crypto.com lists over 400 cryptocurrencies and supports more than 600 trading pairs overall, with the most active among them—including major tokens like BTC, ETH, USDT, USDC, BNB, ADA, XRP, SOL, DOGE, and MATIC—regularly comprising its 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 supports a wide array of services

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

Crypto.com maintains deep liquidity across its markets, with spot order books for BTC and ETH particularly robust—though precise 24-hour volumes and depth figures fluctuate, the Exchange manages high throughput and tight market depth for its most liquid pairs.

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

A full suite of order types is available—including limit, stop-loss, take-profit, and OCO orders—alongside native TradingView integration for enhanced charting, advanced bot tools (DCA, TWAP, grid, arbitrage), and a high-performance API/WSS infrastructure covering spot, margin, and derivatives trading.

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 regions face product limitations—derivatives and margin trading may be restricted or unavailable depending on jurisdiction, whereas spot trading and earning services are broadly accessible but vary by local regulation.

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

Crypto.com continues to expand with creative offerings like crypto launchpad or launchpool-style events for new token releases, and flexible vs locked earn options that let users choose between liquidity or higher yields—reflecting a commitment to innovation in user engagement and passive strategies.

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

Crypto.com is managed by Foris DAX Asia (a Singapore-based company), with its global operations dating back to 2016 and headquarters located in Singapore.

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 platform is compliant across major regions—registered as a Virtual Asset Service Provider (VASP) in Spain, holding MiCA authorization through its Maltese entity, and operating under regulatory approvals in the UK, Cyprus, France, Singapore, Australia, Canada, and the US, among others.

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

Crypto.com employs client-segregated custody with advanced MPC-based secure holdings, offers bankruptcy-remote vaults, and undergoes regular audits with transparent architecture—while explicit proof-of-reserves remains internal.

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

Its U.S.–based Custody Trust benefits from a robust insurance policy of around USD 120 million covering cold-storage assets and potential theft, supported by Lloyd’s underwriters and arranged by Aon.

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

In early 2022, Crypto.com experienced a hack resulting in about $15 million in Ether taken; withdrawals were briefly paused and later restored, with no client funds lost, and there have been no major subsequent breaches publicly 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 enforces strong protections like mandatory 2FA, withdrawal whitelists, anti-phishing mechanisms, API permissions, role-based access, and optional sub-accounts to maintain granular control and mitigate unauthorized access.

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

Client assets are maintained in separate, auditable wallets with structural segregation; while public monthly audits or visible SLAs are not routinely published, the architecture reflects operational transparency and institutional-grade security standards.

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 fund your account via bank transfer, credit/debit cards, Apple Pay, or Google Pay; minimum and maximum thresholds vary by method and region, ranging from low single-digit amounts up to substantial daily and monthly caps; fund arrivals can be instant (cards/e-wallets) or take several hours to a few business days (bank transfers).

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)

Users can engage with limited features before KYC; completing full KYC (identity and selfie upload) unlocks higher transaction thresholds and full access to platform services—lower tiers impose strict withdrawal and product restrictions.

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 are subject to minimum amounts per coin and daily caps (e.g., around 10 BTC per 24 h); supported networks include ERC-20, TRC-20, BEP-20, etc., and processing times depend on both network congestion and method—crypto withdrawals may take minutes to over an hour.

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

Help is available via 24/7 in-app chat and email, with typical resolution times varying by query complexity; a detailed knowledge base supports self-help for tutorials and FAQs.

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 native Spanish alongside other languages, displays fees and balances in local currencies such as €, and adapts features based on regional regulatory frameworks for better local relevance.

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

The mobile app is routinely updated and regarded as stable and performant; although official crash-rate metrics aren’t public, regular releases and smooth UX improvements indicate robust maintenance and reliability.

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 platform shines with clear organization and user-friendly navigation, designed to welcome newcomers while offering deeper controls—premium users benefit from a more advanced interface, akin to a “Pro” mode, though there’s no explicitly separate branded version.

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

Crypto.com generally offers swift order execution under normal market conditions, with strong platform resilience, though unsurprisingly, major volatility spikes can slightly increase latency and lead to temporary delays in KYC verification high-traffic periods.

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

While Crypto.com offers a variety of educational materials, including guides and announcements, native Spanish content is mostly limited to community posts and localized support updates rather than a dedicated academy or trading simulator in Spanish.

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

The ecosystem includes vibrant official communities on Discord and Telegram—supportive spaces for updates and peer help—as well as referral incentives, but there’s no central copy-trading or reward-sharing program.

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

Crypto.com integrates with TradingView on its interface, supports native automated tools like DCA and grid bots, and links to external accounting or tax tools; full support for third-party bot platforms is expanding

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

Beginners appreciate the intuitive onboarding design and helpful community, while intermediate users benefit from advanced charting, automation tools, and the hybrid feel of a “Lite-to-Pro” progression—pro traders may find other services with more dedicated Pro-tier offerings fit their needs better.

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.