Independent Reserve fees
- Our rating
- 4.5
- Headline
- From 0.5%, free bank funding
- Review updated
- 2026-08-23
0.50 percent maker and taker to start, stepping down to 0.02 percent on volume. PayID, Osko and bank deposits are free; Australian cards cost 1 percent.
Fee schedule
- maker
- 0.50 percent, falling to 0.02 percent across nine volume tiers
- taker
- 0.50 percent, falling to 0.02 percent across nine volume tiers
- deposit note
- PayID, Osko and standard bank transfers in AUD are free. Australian-issued cards cost 1 percent and international cards 3.5 percent.
- withdrawal note
- AUD withdrawals to an Australian bank account are free; instant Osko payouts carry a small flat fee.
What the rails themselves cost
The scheme or the bank sets these, not Independent Reserve. The 3 rails Independent Reserve offers in the most countries we rank it in.
- 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 Independent Reserve. The trading fee is the same everywhere; the funding rail is where the price moves.
| Country | Rail | Note |
|---|---|---|
| Australia | Credit or debit card | 1 percent on Australian-issued cards, 3.5 percent international |
How Independent Reserve 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 |
|---|---|---|---|---|
| Independent Reserve | 4.5 | From 0.5%, free bank funding | Required | |
| CoinJar | 4.3 | From 0.10% on the exchange | Required | Fee guide |
| BTC Markets | 4.0 | 0.85% taker at entry tier | Required | Fee guide |
Compared: CoinJar and BTC Markets, the alternatives our Independent Reserve review names.
Frequently asked questions
What are Independent Reserve's trading fees?
0.50 percent maker and taker to start, stepping down to 0.02 percent on volume. PayID, Osko and bank deposits are free; Australian cards cost 1 percent.
Does Independent Reserve charge deposit fees?
PayID, Osko and standard bank transfers in AUD are free. Australian-issued cards cost 1 percent and international cards 3.5 percent.
What does Independent Reserve charge to withdraw bitcoin?
AUD withdrawals to an Australian bank account are free; instant Osko payouts carry a small flat fee.
Do Independent Reserve's costs differ by country?
Our country guides note 1 rail-specific cost for Independent Reserve: Australia, credit or debit card, 1 percent on Australian-issued cards, 3.5 percent international. The trading fee itself is the same everywhere; what changes is the funding rail.
How do Independent Reserve's fees compare with its alternatives?
Headline fee lines, from each review: CoinJar, From 0.10% on the exchange; BTC Markets, 0.85% taker at entry tier. Independent Reserve's own line is From 0.5%, free bank funding. A headline hides the spread and the funding fee, so compare the full schedules before choosing.