Crypto exchangesBeta

Compare exchanges bywhat your buys cost, the tap Buy fee, the trading screen fee, how you pay, coins listed or app rating.

One exchange charges three different prices depending on which button you press. We work out what each would cost on the way you actually buy.

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Cheapest crypto exchanges right now

As of 2 November 2026, the lowest published instant-buy fee among crypto exchanges tracked by BankMate is 0.50% at Digital Surge.

The cheapest crypto exchanges to tap Buy

  1. 1
    Digital Surge logo
    Digital SurgeDigital Surge0.50%to tap Buy, before the spread
  2. 2
    Independent Reserve logo
    Independent ReserveIndependent Reserve0.50%to tap Buy, before the spread
  3. 3
    Coinstash logo
    CoinstashCoinstash0.60%to tap Buy, before the spread
See the full list

The cheapest crypto exchanges on the trading screen

  1. 1
    Binance logo
    Binance AustraliaBinance0.10%per trade at the market price
  2. 2
    CoinJar logo
    CoinJarCoinJar0.10%per trade at the market price
  3. 3
    CoinSpot logo
    CoinSpotCoinSpot0.10%per trade at the market price
See the full list

The cheapest crypto exchanges when you set your own price

  1. 1
    Binance logo
    Binance AustraliaBinance0.10%per trade at your price
  2. 2
    CoinJar logo
    CoinJarCoinJar0.10%per trade at your price
  3. 3
    CoinSpot logo
    CoinSpotCoinSpot0.10%per trade at your price
See the full list

The cheapest crypto exchanges to pay by card

  1. 1
    BTC Markets logo
    BTC MarketsBTC Markets0.00%to pay by card
  2. 2
    CoinSpot logo
    CoinSpotCoinSpot0.00%to pay by card
  3. 3
    Independent Reserve logo
    Independent ReserveIndependent Reserve0.00%to pay by card
See the full list

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Common questions

Because one exchange can charge different prices for the same coin depending on how you buy. Tapping Buy in the app usually costs the most: a fee plus a spread built into the price. The trading screen charges a smaller fee at the market price, and some exchanges charge less again when you set your own price and wait. An exchange may charge 1% to tap Buy and 0.1% on its trading screen. We price every exchange the way you say you buy.

More than the stated fee when you tap Buy. The quoted price sits above the market price, and that gap, the spread, is a cost on top of any fee. Exchanges don't publish it and it moves through the day, so we show it as "not published" rather than guess, and the total reads as the least you'd pay. On the trading screen you buy at the market price, where the gap between buyers and sellers is set by the market and is usually small on major coins.

Some exchanges publish no fee for tapping Buy at all: the whole cost is in the quoted price. Showing $0 would be the bigger error, so for those we carry an estimate of the all-in cost, marked with a ~ and an Estimate label, with the reasoning beside it. An estimated fee never takes a place on a leaderboard or in a top three.

It is the share of each trade the exchange keeps when you buy on its trading screen: $1 on a $1,000 buy. Exchanges charge a taker fee when you buy at the market price and often a lower maker fee when you set your own price and wait. On many exchanges both step down as your 30-day trading grows, so the lowest advertised rate can need a large volume. We work out your band from how much and how often you buy.

A bank transfer or PayID deposit is free at most exchanges we track. Cards cost from nothing to a few percent of each deposit, depending on the exchange, and PayPal, where it is taken, has its own fee. On a $1,000 buy, a 2% card fee is $20, more than many trading fees. Not every exchange takes every method: tell us how you pay and each exchange is checked for it, with the deposit fee priced in.

An exchange that swaps crypto for Australian dollars must register with AUSTRAC, the government agency that fights money laundering, and each exchange's details say whether it is registered. Registration is about anti-money-laundering rules: it isn't a check of the exchange's finances or how it holds your coins. Crypto, and dollars waiting in an exchange account, aren't covered by the government's $250,000 guarantee on bank deposits.

Yes. Side by side puts two exchanges on one page and compares them on tapping Buy, the trading screen or a year of your buying, with the fee on one buy at every amount. Each line marks the lower published fee; an estimated fee is shown with a ~ and never marked as the lower one. It never picks an overall winner.

No. BankMate compares what it costs to buy crypto. Interest accounts and staking rates aren't compared, and fees for withdrawing dollars or coins aren't counted in any cost, though each exchange's details list its withdrawal fees where it publishes them.

From each exchange's own fee pages and help centre. There is no Consumer Data Right feed or regulator dataset for crypto fees, so we read each listed exchange's pages each month and record what changed. Sign-up offers aren't recorded. Each exchange's card says when its figures were last refreshed, and a figure not yet confirmed against the exchange's own page is marked Unverified.