CoinSpot fees
- Our rating
- 4.4
- Headline
- 0.1% market, 1% instant buy
- Review updated
- 2026-08-23
0.1 percent on market orders, 1 percent on the instant buy. BPAY deposits cost 0.9 percent and cards 2.5 percent; PayID and bank deposits are free.
Fee schedule
- maker
- 0.1 percent on the market-order screen
- taker
- 0.1 percent on the market-order screen
- spread note
- The one-click instant buy charges a flat 1 percent instead, on the same bitcoin.
- deposit note
- PayID and direct bank deposits are free. BPAY costs 0.9 percent and card deposits 2.5 percent.
- withdrawal note
- Bitcoin withdrawals to self-custody are supported, and AUD withdrawals return to an Australian bank account.
What the rails themselves cost
The scheme or the bank sets these, not CoinSpot. The 4 rails CoinSpot offers in the most countries we rank it in.
- BPAY
- Banks generally do not charge for a BPAY payment made online from a transaction account, though it can count towards an account's free withdrawal allowance.
- Local bank transfer
- Domestic transfers are free or close to free for consumers in most countries, and in the euro area the Instant Payments Regulation forbids charging more for an instant credit transfer than for a standard one.
- PayID / Osko
- Pricing is set by your own bank rather than by the scheme, and Australian banks generally do not charge personal customers for an Osko or PayID payment.
- Credit or debit card
- The networks bill the merchant rather than you, but many issuers class a crypto purchase as a cash advance, and the CFPB notes that interest on a cash advance generally starts from the transaction date with no grace period.
Country-specific costs
Every rail note our country guides carry for CoinSpot. The trading fee is the same everywhere; the funding rail is where the price moves.
How CoinSpot compares
The headline fee line from each alternative's review. Headlines hide spreads and funding fees, so open the full schedule before choosing.
| Exchange | Rating | Fees | ID check | Fee guide |
|---|---|---|---|---|
| CoinSpot | 4.4 | 0.1% market, 1% instant buy | Required | |
| Swyftx | 4.4 | From 0.6%, free AUD deposits | Required | Fee guide |
| Independent Reserve | 4.5 | From 0.5%, free bank funding | Required | Fee guide |
Compared: Swyftx and Independent Reserve, the alternatives our CoinSpot review names.
Frequently asked questions
What are CoinSpot's trading fees?
0.1 percent on market orders, 1 percent on the instant buy. BPAY deposits cost 0.9 percent and cards 2.5 percent; PayID and bank deposits are free.
Does CoinSpot charge deposit fees?
PayID and direct bank deposits are free. BPAY costs 0.9 percent and card deposits 2.5 percent.
What does CoinSpot charge to withdraw bitcoin?
Bitcoin withdrawals to self-custody are supported, and AUD withdrawals return to an Australian bank account.
Is there a spread on CoinSpot?
The one-click instant buy charges a flat 1 percent instead, on the same bitcoin.
Do CoinSpot's costs differ by country?
Our country guides note 2 rail-specific costs for CoinSpot: Australia, bpay, 0.9 percent fee and slower than PayID, but works from any bank login; Australia, credit or debit card, 2.5 percent surcharge. The trading fee itself is the same everywhere; what changes is the funding rail.
How do CoinSpot's fees compare with its alternatives?
Headline fee lines, from each review: Swyftx, From 0.6%, free AUD deposits; Independent Reserve, From 0.5%, free bank funding. CoinSpot's own line is 0.1% market, 1% instant buy. A headline hides the spread and the funding fee, so compare the full schedules before choosing.