The cheapest crypto exchanges to pay by card.
- First0.00%to pay by cardBTC MarketsBTC MarketsAustralian-based · AUSTRAC registered · Free PayID deposits · 42 coinsGo to site
- Second0.00%to pay by cardCoinSpotCoinSpotAustralian-based · AUSTRAC registered · Free PayID deposits · 470 coinsGo to site
- Third0.00%to pay by cardIndependent ReserveIndependent ReserveAustralian-based · AUSTRAC registered · Free PayID deposits · 40 coinsGo to site
Ranked by the fee for funding a purchase with a debit or credit card, lowest first; ties go to the lower published instant-buy fee. Leaves out exchanges that don’t take card payments. Compares 10 exchanges, not the whole market.
The other 7 exchanges
Ranked by the fee for funding a purchase with a debit or credit card, lowest first; ties go to the lower published instant-buy fee. All 7: AUSTRAC registered.
| # | Exchange | Based | Coins | Paying by card | Links |
|---|---|---|---|---|---|
| 4 |  | Overseas | 300 | 0.00%to pay by cardLevel with first ranked | Go to site |
| 5 |  | Australia | 1,000 | 1.37%to pay by card1.37 above first ranked | Go to site |
| 6 |  | Overseas | 600 | 2.00%to pay by card2.00 above first ranked | Go to site |
| 7 |  | Australia | 60 | 2.00%to pay by card2.00 above first ranked | Go to site |
| 8 |  | Australia | 410 | 2.40%to pay by card2.40 above first ranked | Go to site |
| 9 |  | Overseas | 400 | 2.99%to pay by card2.99 above first ranked | Go to site |
| 10 |  | Overseas | 200 | 3.75%to pay by card3.75 above first ranked | Go to site |
- 4OKX Australia0.00%to pay by cardLevel with first rankedBased overseas · Free PayID deposits · 300 coins
- 5Coinstash1.37%to pay by card1.37 above first rankedAustralian-based · Free PayID deposits · 1000 coins
- 6Binance Australia2.00%to pay by card2.00 above first rankedBased overseas · 600 coins
- 7CoinJar2.00%to pay by card2.00 above first rankedAustralian-based · Free PayID deposits · 60 coins
- 8Swyftx2.40%to pay by card2.40 above first rankedAustralian-based · Free PayID deposits · 410 coins
- 9Crypto.com2.99%to pay by card2.99 above first rankedBased overseas · Free PayID deposits · 400 coins
- 10Kraken3.75%to pay by card3.75 above first rankedBased overseas · Free PayID deposits · 200 coins
A card fee is charged on top of the buy itself. Bank transfer and PayID deposits are free wherever they’re taken.
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Ranked here on one fee. The questions price each exchange on how you buy, how often and how you pay.
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As of 9 November 2026, the lowest card-payment fee among crypto exchanges tracked by BankMate is 0.00% at BTC Markets. How we rank