Swyftx fees
- Our rating
- 4.4
- Headline
- From 0.6%, free AUD deposits
- Review updated
- 2026-08-23
Trading starts at 0.6 percent and falls to 0.1 percent on volume. AUD bank and PayID deposits are free, as are AUD withdrawals; Stripe card deposits add 1.875 percent.
Fee schedule
- maker
- 0.6 percent for regular accounts, falling to 0.1 percent at the top volume tier
- taker
- 0.6 percent for regular accounts, falling to 0.1 percent at the top volume tier
- deposit note
- Bank transfer and PayID deposits in AUD are free. Card deposits through Stripe cost 1.875 percent.
- withdrawal note
- AUD withdrawals to an Australian bank account are free and unlimited once verified.
What the rails themselves cost
The scheme or the bank sets these, not Swyftx. The 3 rails Swyftx 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 Swyftx. The trading fee is the same everywhere; the funding rail is where the price moves.
| Country | Rail | Note |
|---|---|---|
| Australia | Credit or debit card | 1.875 percent through Stripe |
How Swyftx 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 |
|---|---|---|---|---|
| Swyftx | 4.4 | From 0.6%, free AUD deposits | Required | |
| CoinSpot | 4.4 | 0.1% market, 1% instant buy | Required | Fee guide |
| Independent Reserve | 4.5 | From 0.5%, free bank funding | Required | Fee guide |
Compared: CoinSpot and Independent Reserve, the alternatives our Swyftx review names.
Frequently asked questions
What are Swyftx's trading fees?
Trading starts at 0.6 percent and falls to 0.1 percent on volume. AUD bank and PayID deposits are free, as are AUD withdrawals; Stripe card deposits add 1.875 percent.
Does Swyftx charge deposit fees?
Bank transfer and PayID deposits in AUD are free. Card deposits through Stripe cost 1.875 percent.
What does Swyftx charge to withdraw bitcoin?
AUD withdrawals to an Australian bank account are free and unlimited once verified.
Do Swyftx's costs differ by country?
Our country guides note 1 rail-specific cost for Swyftx: Australia, credit or debit card, 1.875 percent through Stripe. The trading fee itself is the same everywhere; what changes is the funding rail.
How do Swyftx's fees compare with its alternatives?
Headline fee lines, from each review: CoinSpot, 0.1% market, 1% instant buy; Independent Reserve, From 0.5%, free bank funding. Swyftx's own line is From 0.6%, free AUD deposits. A headline hides the spread and the funding fee, so compare the full schedules before choosing.