How to Avoid Coinstar Fees in 2025 (And the New 12.9% Cost)

发布时间：2025-09-24 15:45

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If you’re wondering how much Coinstar charges in 2025, the direct answer is 12.9% service fee plus a $0.99 transaction fee to turn your coins into a cash voucher.

That means for every $100 in change you cash in, you lose $13.89.

Sure, the convenience of the kiosk is nice, especially if you have a heavy jar of coins gathering dust, but with that kind of fees, I am not sure it’s worth it.

The good news is that you can actually avoid the Coinstar fee entirely.

In this guide I will show you exactly how Coinstar’s fee works and, more importantly, how to use their machines to get 100% of your money back.

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Table of Contents

What is the Coinstar Fee in 2025? (The Exact Calculation)How to Use Coinstar for Free: The eGift Card OptionIs the Coinstar eGift Card Option Really Free?Which Stores & Restaurants Offer eGift Cards?How to Get and Use Your eGift CardTop Free Alternatives to Coinstar (If You Want Cash)Head to Your Bank or Credit UnionRoll Your Own CoinsUse the Self-Checkout HackDonate Your Coins to Charity (Fee-Free)5. Look for Other Coin-Counting KiosksWhich Option is Best for You? A Quick ComparisonHow to Find a Coinstar Machine Near YouHow Do You Use a Coinstar Machine?Is the Coinstar Fee Worth It?When paying the Coinstar fee might make sense:When you should always avoid the fee:The Final Verdict

What is the Coinstar Fee in 2025? (The Exact Calculation)

As of this year, Coinstar charges a service fee of 12.9% plus an additional $0.99 transaction fee when you choose to receive a cash voucher.

Note: Keep in mind that fees differ from location to location. So, while you may have to pay a 12.9% fee at a Coinstar located in your local grocery store, another kiosk located in a Walmart 10 miles away may have a fee of 10%.

This two-part fee is automatically deducted from your coin total. It’s important to understand both parts of the cost. First, Coinstar takes 12.9% from your subtotal, and then they subtract the flat $0.99 fee from the remaining amount.

For example, if you brought in $100 worth of coins:

The 12.9% service fee would be $12.90.

The additional $0.99 transaction fee is also deducted.

Your total fee would be $13.89, and the voucher you receive would be for $86.11.

To make it clearer, here are a few example showing how much the total fee costs at different amounts:

Your Coin Total

Total Fee (12.9% + $0.99)

Cash You Receive

$25

$4.22

$20.78

$50

$7.44

$42.56

$100

$13.89

$86.11

$250

$33.24

$216.76

How to Use Coinstar for Free: The eGift Card Option

Okay, so there a way to avoid Coinstar fees.

And I found the best way to avoid the crazy 12.9% + $0.99 service fee is to choose the free eGift Card option at the kiosk.

Is the Coinstar eGift Card Option Really Free?

Yes. The eGift Card option is 100% free.

If you cash in $100 worth of coins, you’ll get an eGift Card with a full $100 balance.

This is the single most effective trick for getting full value from a Coinstar machine.

Which Stores & Restaurants Offer eGift Cards?

Coinstar partners with more than 20 popular stores and restaurants, making it easy to find one you’ll use.

The list includes:

Amazon.com AMC Apple Applebee’s Cabela’s Chili’s Domino’s DoorDash GameStop GAP IHOP Lowes Nike Outback Steakhouse Roblox Razer Gold Red Robin Southwest Starbucks Steam Texas Roadhouse The Home Depot

Important Note: Not all eGift Cards are available at every kiosk. But you can check the Coinstar kiosk near you to see see what’s available.

How to Get and Use Your eGift Card

The process is simple.

The machine prints a paper voucher that has a unique gift card code printed on the top. This works just like a plastic gift card.

Here’s what you do step by step:

Pour your coins into the machine. On the screen, choose the “Get an eGift Card” option. Choose your preferred retailer from the list. Take your printed voucher. You can use the code immediately for online shopping or scan it in-store.

Pro Tip: If you don’t use the full balance on your first purchase, save the voucher for next time. To check your remaining balance, you can typically visit the retailer’s website, call their customer service number, or ask a cashier in-store.

Top Free Alternatives to Coinstar (If You Want Cash)

Okay, so what if you want actual cash for your coins and an eGift card won’t work for you?

In that case, you’re best off skipping the Coinstar machine altogether and using one of these completely free alternatives.

Head to Your Bank or Credit Union

For getting fee-free cash for your coins, your bank is the number one option.

Most banks offer free coin-counting services for their customers.

Some larger branches have their own coin counting machines, while others will accept your coins as long as they are properly rolled.

What’s great is that members can almost always exchange coins for free. Non-members, however, will usually have to pay a fee, so stick with the bank where you have an account.

Here are some banks where you can exchange coins for cash for free if you’re a customer:

Bank of America Cape Bank Capital One Chase Citibank First County Bank Hancock County Savings Bank Home State Bank JBT Manasquan Bank People’s United Bank PNC Bank Republic Bank (NJ/PA) Shelby Savings Bank TD Bank Truist

Roll Your Own Coins

If your bank requires you to roll your coins, don’t let that stop you.

This is the classic, guaranteed way to exchange coins for bills at any bank.

Pro Tip: Don’t pay for coin wrappers! Just go to your bank’s teller window and ask for them. They will be happy to provide you with a variety of coin wrappers for free.

Use the Self-Checkout Hack

This is a clever trick for cashing in smaller amounts of change without needing a bank.

A lot of self-checkout kiosks at grocery stores and retailers like Walmart or Target have trays for accepting coins as payment. You can pay for a small item using your change and the machine will give you the rest back in bills.

For example, if you have $15 in coins, you can buy a $1 drink and the machine will dispense $14 in cash.

Donate Your Coins to Charity (Fee-Free)

If you’re feeling generous and just want the coins out of your house, you can donate them directly at a Coinstar kiosk.

For most of its major charity partners, Coinstar waives all fees, so 100% of your money goes to the cause.

You can choose from well-known charities like:

American Red Cross Feeding America UNICEF World Wildlife Fund (WWF)

Best of all, these donations are tax-deductible. The machine will print a receipt that you should save for your records.

5. Look for Other Coin-Counting Kiosks

While Coinstar is the most well-known, some regions have competing services. It’s worth checking with major local banks and credit unions to see if they offer free self-service lobby machines for their customers.

Which Option is Best for You? A Quick Comparison

Here’s a table to make it easier for your to compare your options.

Method

Cost

Effort Level

Best For

Your Bank

Free

Low to Medium

Bank customers who want cash

Rolling Coins

Free

High

People with time and patience

Self-Checkout

Free

Low

Small amounts of change

Charity Donation

Free

Low

The philanthropically-minded

How to Find a Coinstar Machine Near You

Okay, so how do you find a Coinstar machine near you?

Well, it’s actually pretty easy!

Instead of guessing which local stores have one, you can use their official online tool.

Go to the Coinstar Kiosk Finder. Enter your ZIP code, city, or full address. The map will display all the nearby locations.

This way, you can find a machine before you haul your heavy coin jar out the door.

How Do You Use a Coinstar Machine?

Using a Coinstar kiosk is a straightforward process:

Place your clean, dry coins onto the tray. Lift the handle and guide the coins into the slot. Choose your payout option on the screen: no-fee eGift Card, cash voucher, or charity donation. Check the return tray for any rejected coins (like foreign currency or debris). Take your printed voucher or receipt from the machine.

It’s really easy to use Coinstar machines. The most annoying thing I’ve found is actually sorting through my coins. I had accidentally mixed in some Euros into my coin jar, so I had to separate those out. Make sure that you don’t have any foreign currency coins in your collection.

The Coinstar machines do have a return tray that gives you back any rejected coins, so even if a few foreign currency coins do get through, it’s not a big deal.

It doesn’t take too long to take your coins to a Coinstar machine. You don’t even need to roll your coins either, which is a great time-saver.

Basically, you just put them all into the tray. The more coins you have, the longer it will take to load them into the machine, but it’s still a pretty quick process, as Coinstar machines count coins pretty fast.

Sometimes you might find that someone is already using the machine, but the process doesn’t take too long, so you shouldn’t be waiting for long. There’s usually no one using the Coinstar machine at my local grocery store, so I don’t know if I’m just lucky with not having to wait, but I imagine many stores are like that.

Is the Coinstar Fee Worth It?

Coinstar machines are so useful, right?

I mean most of us have loose change that’s just sitting around gathering dust, and that’s real cash that you could actually be putting towards something useful. So, don’t let your coins go to waste. Cash them in instead!

Coinstar machines are a good option because they can be found at many grocery stores and they’re so easy to use.

The only issue is those fees.

After looking at the high 12.9% + $0.99 fee and all the free alternatives, the big question remains: is paying for Coinstar’s cash service ever worth it?

When paying the Coinstar fee might make sense:

You need cash immediately: If you’re already at the store and can’t get to a bank, the fee is the price of urgent convenience. The amount is very small: For just $10-$15 in change, the fee might feel less painful than a separate trip to the bank. You don’t have a bank account: For the unbanked, Coinstar is one of the few accessible options.

When you should always avoid the fee:

You want 100% of your cash: If your goal is to maximize your savings, using your bank is the better financial choice. You have a large amount of coins: Cashing in $200+ would mean losing over $26 to fees. You can use an eGift card: If you shop at a partner retailer, the eGift Card option gives you full value at zero cost.

The Final Verdict

For the vast majority of people, paying the Coinstar cash fee is not worth it.

With excellent free options like using your own bank or the no-fee eGift card, taking a few extra minutes to plan ahead will always be the financially smarter choice.

Hopefully, this post has helped you to understand Coinstar fees and how to avoid them.

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