Crypto Exchange comparison
CoinJar vs eToro
CoinJar is a pure-play crypto exchange built for Australians who want straightforward, low-cost digital asset trading. eToro is a multi-asset platform that layers crypto alongside US and ASX shares, ETFs, and CFDs — but it holds everything in a custodian model, not under your own HIN. The biggest practical difference: CoinJar keeps it simple and crypto-only, while eToro lets you trade stocks and crypto in one place, albeit without CHESS sponsorship.
Choose
CoinJar
if…
- ›You want a dedicated, AUSTRAC-registered crypto exchange with zero monthly, inactivity, or withdrawal fees
- ›You prefer to keep your crypto trading separate from shares and don't need access to ASX or US equities
- ›You want fast, free AUD withdrawals via PayID that typically arrive within minutes
- ›You value Sharesight or Navexa integration for portfolio tracking and tax reporting
- ›You want a platform that has been operating in Australia since 2013 with a crypto-only focus
Choose
eToro
if…
- ›You want to trade crypto alongside ASX and US shares, ETFs, and CFDs — all from a single login
- ›You want zero-commission ASX and US share trading (non-leveraged) with fractional shares available on both markets
- ›You need stop-loss and conditional order types for managing risk on your positions
- ›You want a demo account to practice trading strategies before committing real money
- ›You prefer a publicly listed company (NASDAQ: ETOR) with a broader global market offering across 15+ countries
Where they differ
| Fact | CoinJar | eToro |
|---|---|---|
| CHESS sponsorship | Not applicable (crypto only) | Custodian model — shares held by eToro's custodian, not in your name |
| Inactivity fee | $0 | $10 AUD |
| CGT calculator / report | Not offered | Built-in CGT calculator |
| Withdrawal time | Minutes via PayID; 1-3 days standard | 2-10 business days end-to-end |
| Demo account | Not available | Available |
Verdict
Pick CoinJar for pure, low-fee crypto trading in Australia; pick eToro if you want crypto plus shares in one place.
All data points side-by-side
Every verified fact for both platforms. Differences are highlighted.
| Field | CoinJar | eToro |
|---|---|---|
| account structure | ||
| CHESS sponsorship model | — | custodian |
| Individual HIN | — | No |
| Individual account | Yes | Yes |
| Joint account | No | No |
| Company account | Yes | Yes |
| Trust account | Yes | Yes |
| SMSF account | Yes | Yes |
| Kids / minor account | No | No |
| asset coverage | ||
| ASX shares supported | No | Yes |
| ASX ETFs supported | No | Yes |
| US shares supported | No | Yes |
| US ETFs supported | No | Yes |
| Other markets supported | United States, United Kingdom, Germany, France, Hong Kong, Italy, Spain, Netherlands, Sweden, Belgium, Denmark, Norway, Finland, Switzerland, Portugal | |
| Fractional shares (ASX) | No | Yes |
| Fractional shares (US) | No | Yes |
| Options trading | No | No |
| CFDs supported | No | Yes |
| Crypto trading | Yes | Yes |
| Managed funds | No | No |
| Bonds supported | No | No |
| IPO access | No | No |
| costs hidden | ||
| FX spread (AUD/USD) | — | 0.75% |
| Holds USD account | — | Yes |
| FX currency switch trick | — | No |
| Market data fees | — | $0/month |
| Conditional order fees | $0 | $0 |
| Corporate action fees | — | eToro passes through cash dividends from non-leveraged real positions (debit/credit to wallet). It does not facilitate participation in rights issues, share purchase plans (SPPs), DRPs or shareholder votes because shares are held in a managed investment scheme by the custodian, not in the user's name. No explicit fee, but corporate action access is materially restricted. |
| costs visible | ||
| ASX brokerage minimum | — | $0 |
| ASX brokerage percentage | 1% | 0% |
| ASX free trade conditions | — | Zero commission applies to all non-leveraged (real) ASX share and ETF purchases. Leveraged / short positions are executed as CFDs and incur 0.15% open/close spread plus overnight financing. |
| US brokerage minimum | — | US$0 |
| US brokerage percentage | — | 0% |
| Monthly platform fee | $0/month | $0/month |
| Annual platform fee | $0/year | $0/year |
| Inactivity fee | $0 | $10 |
| Withdrawal fee (AUD) | $0 | $0 |
| identity and trust | ||
| Legal entity name | CoinJar Australia Pty Ltd | eToro AUS Capital Limited |
| AFSL number | — | 491,139 |
| AUSTRAC registration | Yes | Yes |
| Year founded | 2,013 | 2,017 |
| Parent / ownership | Privately held; backed by Blackbird Ventures, Digital Currency Group (DCG), Boost VC, Possible Ventures (founders Asher Tan and Ryan Zhou retain operational control) | eToro Group Ltd (NASDAQ: ETOR) — listed 14 May 2025; originally founded in Israel by Yoni and Ronen Assia. eToro AUS Capital Limited is a wholly-owned Australian subsidiary. |
| Country of incorporation | Australia | Australia |
| Public company status | private | public |
| money movement | ||
| Minimum initial deposit | — | $50 |
| Minimum subsequent purchase | — | $50 |
| Deposit methods | PayID, Osko / NPP bank transfer, Standard bank transfer (direct credit), Debit / Credit Card (Visa, Mastercard), Apple Pay, Google Pay, PayPal | Bank transfer, Debit card, Credit card, PayPal, Skrill, Neteller, POLi, Online banking |
| Settlement period | — | T+2 ASX, T+1 US (settlement managed by the eToro Service custodian; user funds reflect immediately in eToro wallet) |
| Withdrawal time | PayID withdrawals to participating banks typically arrive within minutes; standard bank transfers (non-PayID) take 1-3 business days. Withdrawals submitted before the daily cut-off process same day, otherwise next business day. | 1-2 business days for eToro processing; total 2-10 business days end-to-end depending on payment method (bank transfer longer than card) |
| platform ux | ||
| iOS app | Yes | Yes |
| Android app | Yes | Yes |
| Desktop platform | No | No |
| Demo account | No | Yes |
| Free real-time market data | Yes | Yes |
| Free research reports | No | No |
| 2FA support | authenticator_app | SMS + authenticator app |
| Customer support channels | email, help desk ticket / support portal | Live chat (Club members only), Email / web ticket, Help centre |
| Support hours (AU time) | Mon-Fri, 9am-3am AET (extended hours covering AU and UK trading days) | — |
| Education content | structured_articles | video + courses |
| tax and reporting | ||
| Australian tax statement | Yes | Yes |
| Distribution component breakdown | No | — |
| CGT calculator / report | No | Yes |
| Sharesight / Navexa integration | Yes | No |
| trading mechanics | ||
| Market orders | Yes | Yes |
| Limit orders | Yes | Yes |
| Stop loss orders | No | Yes |
| Conditional orders | No | Yes |
| Auto-invest / DCA | Yes | Yes |
| Auto-invest sophistication | multiple | multiple |
| DRP (dividend reinvestment) | — | No |
| After-hours / overnight trading | Yes | No |