Independent Reserve fees explained

Independent Reserve fees at a glance.

Trading fee

0.5% entry tier · down to 0.02%Tiered by 30-day trading volume. The lowest rates need very high volume; most new accounts start at 0.5%.

By order type

Order book with one tiered schedule: 0.5% at entry, falling with 30-day volume to 0.02%. OTC desk from A$50,000.

Deposits

PayID, Osko & EFTFree PayID, Osko and EFT deposits; A$1.50 for instant withdrawals.

Withdrawals

Crypto withdrawals carry an asset-specific network fee. Check the network and minimum before sending.

Our fees rating

3.5/5 0.5% entry rate, falling to 0.02% with volume.

Visit Independent Reserve ↗Official site

Watch for: Standard EFT withdrawals are free, but instant PayID/NPP withdrawals cost A$1.50.

What a trade costs on Independent Reserve.

Trading fee only, at the published entry rate (Independent Reserve entry tier 0.5%). Spreads, card surcharges and network fees are extra where they apply.

Try your own amount in the fee calculator ↗

Fees: one schedule, tiered by volume

Independent Reserve publishes a single trading-fee schedule that starts at 0.5% and falls as your 30-day trading volume rises, to 0.02% at the top tier. At a notional A$1,000 trade, a 0.5% fee is A$5. Because trades go through an order book, the price you get also depends on the bid–ask spread and order depth at the time.

If you trade occasionally, plan around the 0.5% entry rate. The lower tiers matter mainly to frequent, high-volume traders, so don't assume the 0.02% headline applies to you.

Getting AUD in and out

PayID/Osko and EFT deposits are free, with daily limits. Standard EFT withdrawals to your bank are also free and usually arrive the next business day. If you want AUD instantly by PayID/NPP, the published fee is A$1.50.

Crypto withdrawals carry a separate network fee that depends on the asset. Check the minimum and the network before you send, and remember that your own bank may have its own limits.

How Independent Reserve compares.

Independent Reserve entry tier is number 9 of 14 published routes we track, cheapest first, for one A$1,000 trade at the entry rate.

1. 1Binance spot, regular user0.1% · FeesA$1.00
2. 2Bybit spot, non-VIP0.1% · FeesA$1.00
3. 3CoinJar Exchange entry tier0.1% · FeesA$1.00
4. 4CoinSpot Markets0.1% · FeesA$1.00
5. 5KuCoin spot, Level 00.1% · FeesA$1.00
6. 6OKX global taker, regular0.1% · FeesA$1.00
7. 7Crypto.com Exchange taker, level 10.5% · FeesA$5.00
8. 8Digital Surge standard0.5% · FeesA$5.00
9. 9Independent Reserve entry tier0.5% · Full reviewA$5.00
10. 10Swyftx standard0.6% · FeesA$6.00
11. 11BTC Markets entry tier0.85% · FeesA$8.50
12. 12CoinJar app1% · FeesA$10.00
13. 13CoinSpot Instant1% · FeesA$10.00
14. 14Kraken Instant1% · FeesA$10.00

Common questions.

What are Independent Reserve’s trading fees?

Independent Reserve publishes a tiered schedule based on 30-day trading volume. It starts at 0.5% and falls to 0.02% at the highest tier. Most new accounts start at 0.5%, and the order-book spread also affects your final price.

Does Independent Reserve charge for AUD withdrawals?

Standard EFT withdrawals are free and usually arrive the next business day. Instant PayID/NPP withdrawals cost A$1.50, according to its fee schedule.

Next steps.