可申請地區
支援申請或可正常開卡使用
澳洲AU
- 證據來源
- 官方支援
U 卡資料庫 / Mastercard / 加密預付卡
C
CoinJar Card
更新時間: 2026年7月29日
CoinJar Card 是 CoinJar 為澳洲居民推出的加密預付 Mastercard。使用者可在 CoinJar 應用程式中選擇一種加密貨幣作為消費帳戶，付款時系統會自動將相應資產兌換為澳元結算。產品同時提供數位卡和免費實體卡，可用於線上購物、行動錢包、實體商家及 ATM 提款，並透過 CoinJar Rewards 針對符合資格的消費發放點數。
官方與公司資訊
發行方身分與公司資質概覽
CoinJar 成立於 2013 年，是澳洲歷史最悠久的數位貨幣交易平台之一。平台致力於為個人及機構使用者提供安全、合規的數位資產交易、儲存及支付解決方案。CoinJar 持有澳洲交易報告和分析中心（AUSTRAC）的註冊許可，並以其使用者友好的交易介面、CoinJar 卡（加密簽帳卡）以及強大的法幣對加密資產的清算能力在行業內著稱。
卡片概覽
CoinJar Card 直接連結使用者指定的 CoinJar 資產帳戶，無須事先將資金轉入獨立的卡片餘額。使用者刷卡時，CoinJar 會依目前報價出售足額的加密資產，並透過 Mastercard 網路以澳元完成交易。數位卡開通後可加入 Apple Pay 或 Google Pay，用於線上及線下感應式付款；實體卡具有獨立卡號、晶片及 PIN，可插卡、感應刷卡，並可在支援預付 Mastercard 的 ATM 提款。卡片目前屬於澳洲產品，由 EML Payment Solutions Limited 發行，申請人必須完成 CoinJar 身分驗證，並具備澳洲公民身分或有效的澳洲簽證。數位卡與實體卡共用所選的消費帳戶，但具有不同的卡號及安全碼，每位使用者只能持有一套 CoinJar Card。
Mastercard 卡片體驗地區可用性權益條款可能變動
提示: 目前沒有其他提示。
卡片形態與費用差異
比較不同卡片形態與等級的已核驗費用紀錄
按住或滑動表格任意區域，左右查看全部卡片；左側項目保持固定
C CoinJar Digital Card | C CoinJar Physical Card | |
|---|---|---|
| 卡片形態 | 虛擬卡 | 實體卡 |
| 費用 | ||
| 月費 | 免費 所有卡片均無月度管理費 免費 無月費及年費 | 免費 所有卡片均無月度管理費 免費 無月費及年費 |
| 開卡費 | 免費 數位卡免費發行 | 免費 免費發行 |
| ATM 提款費 | — | 1% ATM方費用另計 |
| 貨幣轉換費 | 2.99% 另按Mastercard匯率 | 2.99% 另按Mastercard匯率 |
| 儲值費 | — | — |
| 交易失敗費 | — | — |
| 獎勵 | ||
| 現金回饋 | 1 USD 每消費A$1得1積分，僅限合資格交易 | 1 每消費A$1得1積分，僅限合資格交易 |
| 加密貨幣回饋 | — | — |
| 質押獎勵 | — | — |
| 質押年利率 | — | — |
| 歡迎獎勵 | — | — |
| 推薦獎勵 | 500 好友完成身分驗證 | 500 好友完成身分驗證 |
| 限制 | ||
| 每日支出上限 | 5,000 AUD 每日最多25筆 | 5,000 AUD 含當日ATM提款 |
| 每月支出上限 | — | — |
| ATM 提款上限 | — | 1,000 AUD 每日最多五次 |
| 卡片網路 |
費用可能因地區、卡片等級與官方政策而變動，請核對最新官方條款。
地區與中國地區適用性
依公開來源、官方政策與使用者回報整理申請狀態，不構成辦卡建議。
不支援或受限地區
申請或部分功能不可用或受限
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- 證據來源
- 官方限制
尚未確認地區
證據不足，狀態有待確認
沒有紀錄
- 證據來源
- 公開資料
中國地區適用性
以下保留資料原文。
原文
1、中国大陆：居民不可直接申请；持有效澳大利亚签证并在澳居住者可用中国护照验证，已持卡用户可在 Mastercard 商户消费。
2、香港：居民不可直接申请；符合澳大利亚居留条件者可申请，已发行卡可在受理 Mastercard 的线上及线下商户使用。
3、澳门：居民不可直接申请；符合澳大利亚居留条件者可申请，已持卡用户可进行境外刷卡及合资格移动钱包付款。
4、台湾：居民不可直接申请；符合澳大利亚居留条件者可申请，已发行卡可在 Mastercard 商户和网络服务中使用。
更新時間: 2026年7月29日
KYC 要求
開戶前目前核驗的身分驗證要求與限制
是否需要 KYC
是需要KYC 等級
完整 KYC要求已確認居住證明
否不需要支援證件
澳洲駕駛執照 / 澳洲護照 / 國際護照
審核時間 / 地區限制
自動審核通常數分鐘完成，異常資料會轉入人工複核
KYC 服務商
Jumio
更新時間
2026年7月29日
支付相容性
各類支付情境的支援狀態與更新時間 · 實際可用性可能受地區、商家與發行方政策影響
相容性概覽12 個情境
支援12
不支援0
更新時間2026年7月29日
行動錢包付款
Alipay
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Apple Pay
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現金服務
ATM 提款
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AI 工具
ChatGPT
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AI 工具
Claude
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行動錢包付款
Google Pay
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AI 工具
Midjourney
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實體付款
實體 POS
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線上購物
線上購物
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行動錢包付款
PayPal
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訂閱服務
訂閱付款
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行動錢包付款
WeChat Pay
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使用者評論
顯示 10 則已核准且符合此卡片的評論
CoinJar: Buy Bitcoin & Crypto Google Play review - 3 star
app frequently glitches out and won't show the portfolio, or balance.
官方回覆
查看原文 Hi, we're sorry to hear that and we would love to take a look at your issue. Please reach out to our customer support team at support@coinjar.com with the subject line "Android review" so we resolve this.
Used em for years,before they even had…
Used em for years,before they even had Mastercard only eftpos and atm ,they were great,used it more than anything else.
Then as others have said,they wanted to know where I sent crypto years ago,don’t remember and now got kicked off ,after years of use , they had a good thing,now a dumpster fire .they must be loosing so much business.
See ya
Thanks for the reply,but still useless if u live and travel between two or country’s,this is the whole idea of crypto usdc etc its boarderless and now u have been turned into a worse bank.
官方回覆
查看原文 We're sorry to hear about your experience with CoinJar in Australia.
Your transfers were most likely held in relation to the Australian Travel Rule legislation, which came into effect on 1 July 2026 and applies to all Australian residents across every crypto exchange. This legislation requires CoinJar to hold a transfer if we don't receive the matching travel rule data from the other crypto exchange or custodial wallet involved.
The good news is that we support the majority of transfers between CoinJar and self-hosted wallets. To make this smoother, you can save your deposit and withdrawal addresses in your address book — that way you won't need to complete the travel rule form every time. Once an address is saved with completed travel rule data, transfers between CoinJar and self-hosted wallets are, in most cases, instant.
You can learn more about how this works here: https://www.coinjar.com/au/blog/how-the-travel-rule-affects-your-coinjar-transfers
CoinJar: Buy Bitcoin & Crypto Google Play review - 5 star
awesome
官方回覆
查看原文 Thank you so much for the 5 star review!!! Appreciate it.
First time experience with Crypto and… Just Great Experience
First time experience with Crypto and CoinJar has proved to be an excellent application to ease into the purchase and payment / transfer of crypto.
Easy to use and very logically laid out app.
Earlier this week I had a hiccup with one of my purchases and queried the error message with the built in support.
Joy of Joy ... they don't put you into a repetitive AI loop as so many service providers do.
After a brief interaction with the usual FAQ's I could then connect with a message to a human (the lovely and efficient Cindy) and had my query resolved in one go.
Highly recommended
官方回覆
查看原文 Thank you for the fantastic 5-star feedback! We really appreciate it.
They hold funds forever, generic cut and paste responses, want to know your life story
They are ask a million questions about what you intend to do, where your crypto is going...now they asking for explanations from transactions that occurred 2 years ago. I purchase cheaper medications from overseas suppliers, which is none of their business. I since changed to Coinbase and had a seamless experience
官方回覆
查看原文 CoinJar is required by law to follow local jurisdiction rules and regulations. This means that in a small number of instances we are required by law to close a customer account without providing a reason for doing so. We can see your funds have now been withdrawn from CoinJar.
CoinJar: Buy Bitcoin & Crypto Google Play review - 2 star
Many years now with Coinjar and never a problem. This app has gone backwards in terms of usability and I can no longer recommend it. Very difficult to replace an expired card, and change password.6
官方回覆
查看原文 Hi, we're sorry to hear that and we would love to take a look at your issue. Please reach out to our customer support team at support@coinjar.com with the subject line "Android review" so we resolve this.
Bradley was an excellent help and…
Bradley was an excellent help and resolved my issue
官方回覆
查看原文 Thank you so much for the 5 star review!!! Appreciate it.
CoinJar: Buy Bitcoin & Crypto Google Play review - 1 star
update the damn app, all it does is the loading screen. I can't access it al all
官方回覆
查看原文 Hi, we're sorry to hear that and we would love to take a look at your issue. Please reach out to our customer support team at support@coinjar.com with the subject line "Android review" so we resolve this.
Had the odd hick up before but never this…
Had the odd hick up before but never had such terrible customer service before.
It’s just a simple problem then fair does, remove the option from the phone line and redirect to the web page.
But to leave yourself wholly directly uncontactable over any issue big or small is a little ridiculous.
Opened support 9am 🕘 no answer yet (nearly 12) finds are cleared you took the money fast enough. Now can someone check it as fast as you took it as I’m unable to send to any wallet or exchange without being told I have to contact the uncontactable first.
This was kind of a priority can someone look into this sooner rather than later. 👋
ID FOR REQUEST: 484789
Edit- still back and forth while I’m quizzed over everything I know about it, everything I’ve ever done or intended to do with XMR because I said Intended to buy some.
Issues sent to compliance. Still waiting for a fix.
官方回覆
查看原文 We are sorry to hear about your experience with CoinJar in the UK. We have escalated your enquiry and one of our team members will be in touch in the next 2 hours.
Your funds are being held in relation to the UK Travel Rule legislation which came into effect on 1 September 2023 and it impacts all UK residents. The legislation requires CoinJar to withhold a transfer for UK residents if we do not receive the travel rule data from a different crypto exchange.
We need to match the travel rule data sent from an exchange to the information that you provide us in the travel rule form. In your case we did not receive travel rule data from the blockchain address that you interacted with.
We do support the majority of transfers between CoinJar and self-hosted wallets without having to receive 3rd party travel rule data. In most cases, transfers between CoinJar and self-hosted wallets are instant. You can learn more about this on our Knowledge Base: https://support.coinjar.com/hc/en-gb/articles/20894541408665
I am no good at online so this was…
I am no good at online so this was positive for me
官方回覆
查看原文 Thank you so much for the 5 star review!!! Appreciate it.
風險因素
更新時間: 2026年7月29日
沒有可用的風險因素