Comparison of Crypto.com vs Independent Reserve [ 2025 ]

The crypto exchanges compared by their commissions, cryptos, security and much more. Here is the Crypto.com vs Independent Reserve comparison!

Your expert: Alejandro Borja

Crypto.com

Investing risks losing your money

Your expert: Xavier Tarrasó

Independent Reserve

Investing risks losing your money

Main points

Fees

≈ 0,075%

Earns

Customer service

4/5

≤0,50%

Fees

Earns

4/5

Customer service

Recommended for

Beginners

Yes

Trading

Yes

Passive income

Buy and hold

Yes

Beginners

Yes

Trading

Passive income

Yes

Buy and hold

Comparison of fees

Rating

4.5 – Low fees with additional rewards for using the native token.

3.9 – Reasonable fees with strong local support in Australia and New Zealand.

Level

≈ 0,075%

≤0,50%

Brief explanation

Crypto.com offers a competitive and transparent fee structure that is designed to accommodate both novice and experienced traders. The platform charges a tiered fee system based on the trading volume over a 30-day period, encouraging active trading with lower fees for higher volumes. Maker fees start low and can decrease with increased trading activity, while taker fees remain competitive within the industry. Additionally, Crypto.com offers fee reductions for users who hold and use their native CRO token, providing an extra incentive to engage with the platform’s ecosystem. This fee system not only enhances trading efficiency but also ensures that traders can maximize their profits while minimizing costs.

Independent Reserve operates with a tiered fee structure that incentivizes higher trading volumes with progressively lower fees. The standard trading fee starts at 0.50% and can decrease to as low as 0.02% depending on the user’s 30-day trading volume. For deposits, there are no fees for electronic fund transfers (EFT) over AUD 100, and SWIFT transfers are free for amounts over AUD 5,000. Withdrawals to Australian bank accounts are free, while international withdrawals incur a fee of AUD 20. Cryptocurrency withdrawal fees are competitive, with a fee of 0.0003 BTC for Bitcoin, which is significantly lower than the global industry average.

Crypto.com

Security Methods: Crypto.com places a high emphasis on security, employing a multi-layered approach that includes cold storage for all cryptocurrencies, a dedicated security team, and the use of HSMs and multi-signature keys. This comprehensive security infrastructure minimizes the risk of hacks and unauthorized access, making it a secure choice for handling digital assets.
Possible Regulation: The platform is known for its strong compliance with global financial regulations. Crypto.com is registered with and regulated by leading financial authorities, which ensures that they adhere to strict rules and regulations, enhancing their credibility and reliability in the cryptocurrency market.
Reputation and Reviews: Crypto.com enjoys a positive reputation in the crypto community, evidenced by favorable reviews across multiple platforms. The platform is often praised for its broad range of services and the ease of use, which has helped it to build a loyal user base.
Trading Volume and Liquidity: The exchange is known for its high trading volume and liquidity, which ensures that users can execute trades quickly and at desired prices without significant price slippage. This makes it an attractive option for both casual traders and experienced investors.
Number of Users: With over 10 million users globally, Crypto.com’s large user base not only reflects its popularity but also contributes to its liquidity and network effect. A large and growing user base often indicates a trusted and well-utilized platform in the cryptocurrency world.

Read crypto.com review

Independent Reserve

Year Founded: Independent Reserve was established in 2013, making it one of the longest-running cryptocurrency exchanges in Australia. Its longevity in the market is a testament to its reliability and stability.
Reputation and Reviews: With over a decade of operation, Independent Reserve has built a strong reputation among users for its reliability and customer service. It has consistently received positive reviews and high ratings for its security, user experience, and customer support.
Regulation and Compliance: The exchange is registered with AUSTRAC (Australian Transaction Reports and Analysis Centre) and complies with stringent anti-money laundering (AML) and counter-terrorism financing (CTF) regulations. This regulatory adherence ensures a high level of trust and security for users.
Customer Service: Independent Reserve offers comprehensive customer support through various channels including email, support tickets, and a well-resourced help center. This ensures that users can get timely assistance for any issues they encounter.
Security Methods: Independent Reserve employs robust security measures including two-factor authentication (2FA), encryption of sensitive data, and cold storage for the majority of its cryptocurrency holdings. The exchange also conducts regular security audits and penetration testing to identify and mitigate potential vulnerabilities.

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Product selection

Native token

Token CRO (Crypto.com Coin)

Earns

NFT marketplace

Yes

Cripto/debit card

Yes

Full name

Foris DAX Asia Pte Ltd

Independent Reserve Pty. Ltd.

Regulation

Regulated in Malta

Regulated in Australia

Year founded

2016

2013

Founder

Kris Marszalek

Adam Tepper

Payment methods

Transfers

Yes

Mastercard

Yes

Wire transfer

Yes

Card

Yes

Comparative table

Crypto.com	FEATURES	Independent Reserve
Offers a low minimum trade amount, making it accessible for beginners and casual investors.	Minimum Trade	Minimum trade amounts at Independent Reserve are relatively low, making it accessible for new investors.
Competitive fees with discounts available for higher volume trades and CRO token holders.	Trading and Transaction Fees	Fees are moderate compared to other exchanges, but some users might find them slightly higher for smaller trades.
Supports a wide range of cryptocurrencies, catering to both popular and niche market interests.	Number of Cryptocurrencies	Independent Reserve supports a decent range of popular cryptocurrencies, providing enough options for most investors.
Extensive range of trading pairs available, offering great flexibility in trading strategies.	Crypto-to-Crypto Trading Pairs	The exchange offers a fair selection of crypto-to-crypto pairs, though not as extensive as some larger platforms.
The website provides clear information, though it can be overwhelming for new users.	Website Transparency	The website is user-friendly and transparent about fees, regulations, and available services.
Crypto.com excels with its extensive benefits and ease of use, making it one of the top choices for a crypto exchange card.	Credit/Debit Card	Independent Reserve does not offer a card for in-store purchases.
Provides secure storage options with offline cold storage and a proprietary hot wallet.	Storage Offering	Offers secure storage options, including insurance for stored assets, enhancing user confidence in the platform’s safety.
Offers competitive staking options and rewards, enhancing investment returns for users.	Staking and Rewards	Independent Reserve does not have extensive staking or rewards programs compared to some other exchanges.
Highly functional and user-friendly interfaces on both mobile and desktop platforms.	Mobile App and Desktop	Both mobile and desktop platforms are well-designed, ensuring a seamless trading experience across devices.
Customer support is available but response times can be slow and may affect user satisfaction.	Customer Service	Customer service is responsive, though there is room for improvement in speed and availability during peak times.
Flexible deposit and withdrawal policies with multiple methods available, but can improve on speed.	Deposit and Withdraw	Deposits and withdrawals are processed efficiently, with multiple options available, although some methods might incur fees.

Key features

Analysis tools

Advanced charting, technical analysis tools

Basic charting tools

Mobile APP

Yes

Security

High 4,9/5

High 4,6/5

Additional features

Crypto debit card, staking, Crypto Earn program, Crypto.com Pay

OTC trading, SMSF services, staking, insurance options

Anonymity

Key points

Available cryptocurrencies

150+

20+

User-friendliness

Crypto.com is known for its user-friendly interface, making it an excellent choice for beginners. The platform is simple to navigate, and the process of buying and selling cryptocurrencies is straightforward.

Independent Reserve offers a user-friendly platform that is easy to navigate, making it suitable for beginners. The interface is designed to facilitate a smooth trading experience with all necessary features easily accessible.

Value for money

Offers excellent value for money with low trading fees, a wide range of financial products, and rewards for using its native token.

Delivers good value for money with competitive fees and strong security features, suitable for Australian and New Zealand users.

Countries of operation

Global, including United States, Canada, United Kingdom, Australia, Germany

Australia, New Zealand, Singapore

Best for

Great for all types of investors, from beginners to advanced traders, due to its low fees, wide range of financial products, and rewards.

Best for Australian and New Zealand investors looking for a reliable platform with competitive fees and strong security.

Base currencies available

USD, EUR, GBP, BTC, USDT, CRO

AUD, NZD, USD, BTC

Account

Trading

Crypto.com provides a comprehensive platform with a wide range of cryptocurrencies, competitive fees, and additional services like a debit card and staking. However, its interface can be complex for beginners.

Independent Reserve is a popular exchange in Australia and New Zealand, offering a user-friendly platform and easy fiat integration. It supports a decent range of cryptocurrencies but has higher fees.

Deposit and withdrawal

Crypto.com offers a comprehensive range of deposit and withdrawal methods, including bank transfers, credit/debit cards, and cryptocurrencies. Withdrawals are processed efficiently, usually within a day, with minimal fees .

Independent Reserve is popular in Australia and New Zealand, offering easy fiat and cryptocurrency deposit methods. Withdrawals are processed efficiently, with competitive fees.

Account opening process

Crypto.com offers a user-friendly and seamless account opening process. Users need to provide personal information, complete KYC verification, and the process is typically completed within a day. It’s secure and efficient.

Independent Reserve provides an easy and user-friendly account opening process. Users need to provide personal information and verify their identity. The process is efficient and usually takes less than a day to complete.

KYC required?

Yes

Customer Service

Crypto.com offers comprehensive customer support through email, live chat, and a help center. Support is available 24/7, and the response times are quick, ensuring users get timely assistance.

Independent Reserve provides extensive customer support via email, live chat, and phone. The support team is responsive and available 24/7, making it reliable for users globally.

Security

Crypto.com provides robust security with 2FA, encryption, and cold storage. It is regulated by several financial authorities, making it a highly secure platform for investors .

Independent Reserve employs comprehensive security measures, including 2FA, encryption, and cold storage. It is regulated by Australian authorities, ensuring high security for investors.

Which of these exchanges is for you?

Alejandro Borja

At Threenvest, our comprehensive review of Crypto.com reveals a platform that is robust, versatile, and tailored to meet the needs of a diverse user base—from beginners making their first cryptocurrency purchase to seasoned traders engaging in complex trading strategies. Crypto.com stands out in the competitive landscape of cryptocurrency exchanges with its extensive range of services, including a wide array of cryptocurrencies, advanced trading features, and the innovative Crypto.com Visa Card, which bridges the gap between digital and traditional finance. This integration of crypto functionality into everyday financial activities sets it apart from many other platforms, offering users a practical way to use their crypto assets in the real world. However, while Crypto.com excels in offering a secure environment and a broad spectrum of financial products, it does have areas where improvement could enhance user experience. New users might find the platform’s interface and the plethora of features daunting, a common issue that could be mitigated with more tailored educational resources and a simplified user interface. Furthermore, the heavy reliance on its native CRO token to unlock the best trading fees and rewards might not appeal to everyone. In comparison to other major exchanges, Crypto.com provides a unique blend of features but could improve its accessibility and reduce its dependency on specific cryptocurrencies. At Threenvest, we recognize Crypto.com as a significant player in the crypto space, capable of delivering exceptional value to its users, yet we also acknowledge the importance of continuous improvement in user engagement and platform intuitiveness.

Xavier Tarrasó

As an expert in cryptocurrency exchanges, I can confidently recommend Independent Reserve for several reasons. This platform excels in security and regulatory compliance, ensuring that your investments are protected. It supports multiple fiat currencies, making it accessible for users in Australia, New Zealand, and Singapore. While its selection of cryptocurrencies is somewhat limited, it offers a user-friendly interface and excellent customer support, making it ideal for beginners. For those prioritizing safety and reliability in their crypto trading experience, Independent Reserve is a solid choice.

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View all comparisons against Independent Reserve

How do we review crypto exchanges?

At Threenvest, we conduct a thorough review process to evaluate and rank the world’s leading crypto exchanges. Our goal is to offer an unbiased assessment, providing you with the information you need to make informed decisions on which ones best suit your needs. We strictly adhere to the guidelines of our editorial policy.

We collect data directly from exchanges through detailed questionnaires and conduct first-hand testing and observations during crypto exchange demonstrations. Questionnaire responses, combined with demonstrations and hands-on research from our experts, feed into our proprietary evaluation process that scores each provider’s performance on more than 15 factors. The end result produces star ratings ranging from poor (one star) to excellent (five stars).

For more details on the categories considered when rating brokers and our process, read our full methodology.

Risk Disclaimer

Investing in cryptocurrencies is very risky, you should only invest the money you are willing to lose. Also you should not expect to be protected if something goes wrong.

Neither Threenvest, nor the author, are recommending you to invest with this article.