Cointree Review — Is This Australian Crypto Exchange Worth Using in 2025?

Cointree has been part of the Australian crypto landscape since 2013, positioning itself as a beginner-friendly cryptocurrency exchange with one clear purpose — making cryptocurrency simple for everyday users. Although it receives less media attention than larger cryptocurrency exchanges in Australia like Swyftx or CoinSpot, the platform appeals to traders who want a clean interface instead of an overly complex trading platform. From instant AUD deposits and the ability to buy and sell cryptocurrencies to paying bills via BPAY using Bitcoin or other digital assets held in a Cointree wallet, Cointree offers practical real-world usage rather than hype.

However, with trading fees higher than some alternatives and no mobile app, many readers of a Cointree review may wonder whether the exchange is still suitable for Australians beginning to trade crypto. The breakdown below explains everything required before creating a Cointree account and starting to trade.

What Is Cointree Cryptocurrency Exchange?

Cointree is an Australian-based cryptocurrency exchange that has been operating since 2013, making it one of the earliest digital asset platforms in the country. While it doesn’t attract as much mainstream attention as major Australian competitors like Swyftx or Digital Surge, Cointree has established a consistent niche among users who value simplicity, clarity, and a no-frills approach to buying and selling crypto. The exchange was created with a single mission — to make entering the digital asset economy as straightforward and stress-free as possible.

Cointree operates out of Melbourne and focuses heavily on accessibility rather than advanced trading features. It offers an extremely simple user interface designed for beginners, supports direct AUD deposits, and gives users the ability to trade more than 160 digital currencies. One standout offering that differentiates the platform from most others in Australia is the ability to pay bills via BPAY using crypto stored in a Cointree wallet — something many exchanges still do not provide.

General information at a glance:

• Main location: Melbourne, Australia
• Mobile app: No native app available
• Deposit methods: Bank transfer, PayID, Cash, Cryptocurrency
• Trading fees: Buy/Sell — 0.9%, Coin-to-coin — 0.25%
• Deposit fees: Bank transfer — Free | PayID — $1.30 | Cash — 3% | Crypto — Free
• Supported fiat: AUD
• Supported cryptocurrencies: BTC, ETH, LTC, XRP, BCH, ADA, XLM & 150+ others

Overall Thoughts on the Cointree Experience for Crypto Users

Cointree is best described as a beginner-friendly Australian exchange designed for people who want to buy their first cryptocurrency without navigating a complicated trading interface. For someone opening a Cointree account for the first time, the platform feels more like online banking than a traditional crypto exchange dashboard — simple, familiar, and easy to use even without trading experience. Because AUD is supported by default, newcomers can deposit fiat currencies via bank transfer or PayID and start trading within minutes instead of learning advanced order tools.

Over 160 cryptocurrencies are available, which is unusually high for an entry-level exchange platform. Cointree allows users to buy and sell cryptocurrencies directly or trade crypto-to-crypto through coin-to-coin swaps, offering flexibility that many beginner platforms lack. One of the standout features Cointree offers is the ability to pay BPAY bills using Bitcoin or other digital assets held in the wallet — a rare form of real-world utility in the Australian crypto market. For users who value convenience instead of purely speculative investing, this practical functionality is a strong pro.

However, there are drawbacks. The absence of a mobile app limits flexibility for traders who prefer accessing their wallet and transactions on the go. The platform also charges certain deposit fees for PayID, and its buying/selling trading fees — 0.9% — may feel high compared to more cost-efficient alternatives like Digital Surge (0.5%) and Swyftx (0.6%).

For someone prioritizing low fees rather than simplicity and user comfort, Cointree may not be the most cost-effective option. The experience largely comes down to user priorities: ease of use and real-world payment features vs lower-fee exchanges tailored to active traders.

Key Features and Advantages of the Cointree Trading Platform

Here are the standout features that define the Cointree experience:

• Simple and clean exchange platform layout that is easy to use for beginners
• Buy cryptocurrencies instantly using AUD with fast fiat deposits (bank transfer / PayID)
• 160+ digital assets available to buy, sell, and trade — including Bitcoin, Ethereum and other top crypto
• Registered with AUSTRAC and compliant with AML/KYC requirements, with strong security measures and two-factor authentication
• Pay BPAY bills directly using your cryptocurrency balance via the Cointree wallet
• Recurring purchase system available for automated investing, ideal for a long-term trading strategy
• What Services Cointree Offers to Trade Cryptocurrencies

Below is a breakdown of major Cointree services so you can evaluate whether the platform suits your investing style and comfort level.

Beginner-friendly navigation and platform structure

Cointree was clearly developed with crypto newcomers in mind, and this becomes obvious from the first interaction with the platform. The interface prioritizes familiar financial terminology and keeps visual noise low, making the Cointree experience simple and straightforward compared to other Australian cryptocurrency exchange options. New users can also access a dedicated Learning Hub on the Cointree website, containing guides, lessons, news and crypto basics — a huge advantage for anyone unsure about trading on Cointree or the pros and cons of different strategies. Many exchange review platforms and review sites point out that Cointree provides one of the smoothest onboarding processes among the best Australian crypto exchanges for beginners.

Buy crypto instantly using AUD

Direct AUD support is one of the core strengths offered by Cointree. Users don’t need to convert AUD to USD or other foreign currencies before making a purchase — they can choose the cryptocurrency they want and buy instantly using local payment methods such as PayID and bank transfer. Because Cointree supports popular Australian banking rails, fiat deposits rarely feel complicated. Whether depositing or withdrawing, the system is designed to reduce friction and avoid extra steps commonly found on international platforms. For many readers comparing Cointree review 2024 guides, the convenience of direct AUD payments is a recurring positive mention.

160+ supported cryptocurrencies

Even though the platform is beginner-focused, Cointree still offers a wide range of coins and a deep range of digital assets. Major cryptocurrencies like Bitcoin and Ethereum are available, along with 150+ others, including smaller altcoins and utility tokens. This helps traders diversify rather than being limited to only the top 20 assets. It’s one of the trading features that makes Cointree also appealing to long-term investors. The key reminder — as with any platform — is that past performance is not indicative of future results, especially in volatile crypto markets.

Pay bills using cryptocurrency

Cointree is one of the only cryptocurrency exchanges in Australia that allows users to pay bills through BPAY directly from their Cointree wallet. The process is unusually intuitive:

1. Sign into your Cointree account

2. Click “Pay Bill”

3. Enter biller code, reference number and amount

4. Select which crypto to pay with

The exchange automatically converts the required amount without forcing users to withdraw funds back to AUD first. The fee will be listed transparently, along with any fees associated with blockchain network activity. Since blockchain transaction costs are dynamic based on the network conditions, the exact amount is listed on the cost breakdown at the moment of payment — a detail often highlighted in positive exchange review feedback.

Recurring purchases (DCA investing)

Cointree enables automated crypto accumulation through recurring purchases, making long-term investing accessible for users who don’t want to time the market manually. After setup, fiat deposits from a bank account are transferred and automatically used to buy Bitcoin or another selected coin at market price — ideal for dollar-cost averaging. This feature reinforces that Cointree is one of the simplest platforms for hands-off investing in the Australian market, especially for users who appreciate automation over short-term speculation. While trading fees apply to all recurring purchases, Cointree charges transparently and displays a complete cost breakdown before confirming the transaction.

Cointree Fees for Deposit and Withdrawal

Cointree Deposit Fees

The platform does not charge fees for fiat deposits, however external payment services may apply their own charges. Based on my own testing:

Transaction Fees

Fees decrease when a user’s trading volume or referral activity increases over a rolling 30-day period.

Cointree Withdrawal Fees

• AUD withdrawals to an Australian bank account: Free
• Crypto withdrawals: Network mining fee only (dynamic based on blockchain congestion)

Pros and Cons of Cointree Wallet and Exchange Platform

Pros

• Buy crypto directly using AUD
• Extremely easy layout for beginners
• Fast setup — trading in just a few minutes
• 160+ cryptocurrencies supported
• Pay bills directly using crypto

Cons

• No mobile application
• Buy/sell trading fees of 0.9%, higher than many competitors

Is Cointree a Legitimate Exchange with Security Measures and Customer Support?

Yes. Cointree is a legitimate and long-established Australian exchange with a strong compliance track record. The platform has been in operation since 2013 and is registered with AUSTRAC, meeting strict AML and KYC requirements. It also was a finalist at the Australian Blockchain Industry Awards in 2019 and is a member of Blockchain Australia.

Cointree security measures include:

• hot/cold wallet separation
• two-factor authentication (2FA)
• encrypted SSL connections across all website traffic
• secure, isolated server environments
• hashed and salted passwords
• Verdict

Cointree is an excellent choice for beginners who want an easy way to purchase Bitcoin and other cryptocurrencies using AUD without navigating an overwhelming interface. It provides a smooth onboarding experience, a helpful educational hub, and a uniquely practical feature — paying bills using cryptocurrency.

However, advanced users or fee-conscious traders may prefer alternatives with mobile apps, live chat support, lower trading fees, and broader liquidity. Anyone comparing exchanges should explore other strong Australian options like Digital Surge, Swyftx, CoinSpot, and Independent Reserve before deciding which platform aligns best with their goals.

Verdict — What Cointree Offers for Traders

Cointree is an excellent choice for beginners who want an easy way to purchase Bitcoin and other cryptocurrencies using AUD without navigating an overwhelming interface. It provides a smooth onboarding experience, a helpful educational hub, and a uniquely practical feature — paying bills using cryptocurrency.

However, advanced users or fee-conscious traders may prefer alternatives with mobile apps, live chat support, lower trading fees, and broader liquidity. Anyone comparing exchanges should explore other strong Australian options like Digital Surge, Swyftx, CoinSpot, and Independent Reserve before deciding which platform aligns best with their goals.