Cointree review (2026)
The crypto-to-gold original
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Our take
Cointree has been operating from Melbourne since 2013, making it another member of Australia’s 2013 class of survivors. Its calling card is unusual: through a bullion partnership you can swap crypto directly for physical gold and silver — a bridge between the newest asset class and the oldest that no other local platform offers.
Beyond the gold angle it is a straightforward mid-market exchange: 280+ assets, a simple interface, PayID and cash deposit options, and a flat 0.75% fee that sits between the value players and the convenience-priced majors. Nothing about it is flashy; the pitch is longevity plus that one distinctive feature.
Key facts
| Trading fee | 0.75% / 0.75% | Instant buy | 0.75% |
|---|---|---|---|
| AUD deposits | PayID · Osko · Cash | AUD withdrawal | Free |
| Coins listed | 280+ | SMSF / Demo | SMSF ✕ · Demo ✕ |
| Owned by | Independent | Public API | Yes — docs → |
Building on it: Price data only. Cointree publishes unauthenticated live price endpoints and documents no way to place trades programmatically. Read the docs →
What will you actually pay?
A flat 0.75% however you order, plus free PayID deposits and free AUD withdrawals. That undercuts instant-buy pricing at CoinSpot and CoinJar but is half again dearer than Digital Surge or Independent Reserve. Gold conversions price in the bullion partner’s margin — compare against selling to AUD and buying bullion separately before assuming the direct swap wins.
For context, the AU instant-buy average across our 13 tracked platforms is 0.76%. Worked example excludes network fees for on-chain withdrawals; estimates come from our verified fee data. See the full fee comparison or model your own trade in the profit calculator.
A A$1,000 purchase on Cointree
Pros & cons
Pros
- Free, near-instant AUD deposits via PayID
- Free AUD withdrawals
- Australian-based (Melbourne, VIC) with local support hours
Cons
- Custodial platform — coins held on-exchange are not in your own wallet
- 0.75% instant-buy fee is beaten by pro-interface market orders elsewhere
Who owns Cointree?
Independently owned and Australian-founded, with no parent group on record.
Who is Cointree for?
✅ Good fit if…
- You want the option of converting crypto gains directly into physical gold
- You value a long-running Australian operator with simple flat pricing
- You want PayID or cash deposit flexibility
⛔ Look elsewhere if…
- You want the cheapest flat fee — 0.75% loses to Digital Surge and Independent Reserve
- You need SMSF support, OTC, or institutional-grade features
- You trade actively; there is no low-fee pro tier here
Is Cointree safe?
Twelve years of operation with no hack or penalty on our record, AUSTRAC registration, and Melbourne-based operations put Cointree in the quiet-achiever category. It is a smaller custodial platform, so the usual proportionality applies: fine as a trading venue, not a vault for your life savings.
Who actually holds your coins
Custodial, with a hot and cold wallet split. Cointree names no custodian.
Claimed vs verified
- Security certification None published
No certification claimed, and nothing for Cointree appears on the JAS-ANZ accredited register.
- Proof of reserves None published
No proof of reserves published.
- Insurance on your crypto None published
No insurance covering customer crypto is disclosed.
“Verified” here means we confirmed it against an independent register, auditor or regulator — not that the platform says so on its own website.
Every incident and regulatory action we track for Cointree, with primary sources — updated automatically from our fact database.
Getting started on Cointree
- 1 Create and verify your account
Sign up with your email, then complete identity verification (driver's licence or passport). Cointree is AUSTRAC-registered, so KYC is mandatory — most approvals take minutes.
- 2 Deposit AUD
Fund the account using payid · osko · cash — PayID is free and usually lands within minutes.
- 3 Place your first order
Search the coin, enter an AUD amount, and review the total (including fees) before confirming.
- 4 Secure what you buy
Enable 2FA immediately, and consider moving long-term holdings to your own wallet — exchange accounts are for trading, not vaults.
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FAQ
What are Cointree's fees?
Cointree charges 0.75% on instant buys and maker/taker fees from 0.75%/0.75%. AUD withdrawals: free.
Is Cointree regulated in Australia?
Yes — Cointree is AUSTRAC-registered, and operates under ASIC transitional arrangements while Australia’s AFSL licensing regime phases in ahead of April 2027. Check our live AFSL tracker for current status.
How do I deposit AUD on Cointree?
Supported AUD deposit methods: PayID · Osko · Cash.
The bottom line
A dependable veteran with a unique gold bridge — pick it for that feature, not for price leadership.
Scored 7.6/10 by our methodology — independent of any commission.
Alternatives to Cointree
General information only, not financial advice. Fees and features change — always confirm on Cointree's own site. Corrections policy.