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DCA Cost Comparison

Which DCA route is cheapest for your recurring BTC purchase over 12 months? Estimates, not quotes.

BTC🇦🇺 AustraliaA$100WeeklyCard
Total invested (12 mo)
A$5,200
Cheapest annual cost
A$90
Independent Reserve · 1.73%
Annual gap
A$221
across 10 ranked exchanges

12-month fee projection

Independent ReserveKraken
A$0A$100A$200A$300Now3mo6mo9mo12mo

Ranked by estimated 12-month recurring cost

Exchange-side recurring-buy estimates. Card routes include processing surcharges, convenience fees, and spread.

1Independent Reserve
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Cost %
1.63–1.83%
12-mo
A$85–A$95
2eToro
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Cost %
1.77–2.03%
12-mo
A$92–A$106
Extra
+A$8.93
3OKX
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Cost %
2.03–2.31%
12-mo
A$106–A$120
Extra
+A$23
4Binance
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Cost %
2.55–2.89%
12-mo
A$132–A$150
Extra
+A$51
5Swyftx
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Cost %
2.93–3.32%
12-mo
A$152–A$172
Extra
+A$73
6Crypto.com
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Cost %
4.06–4.61%
12-mo
A$211–A$240
Extra
+A$135
7Gemini
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Cost %
4.07–4.60%
12-mo
A$212–A$239
Extra
+A$135
8Bitstamp
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Cost %
4.49–5.07%
12-mo
A$234–A$264
Extra
+A$159
9Coinbase
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Cost %
4.58–5.18%
12-mo
A$238–A$269
Extra
+A$164
10Kraken
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Cost %
5.62–6.33%
12-mo
A$292–A$329
Extra
+A$221
Next step
Visit Independent Reserve →
CONVENIENCE PREMIUM

Estimated avoidable drag: ~A$81/year

Based on your current scenario. Lower-friction alternatives may exist but often require more steps or different configuration.

Card route vs bank transfer
~A$81/yr~10.6×
Card routes cost ~1.73% while bank routes cost ~0.16% for this scenario
EstimatedBank routes may require more setup steps. Not all exchanges support both methods.
Convenience premium is the estimated difference between your current route and a lower-cost alternative where one exists. Estimates, not quotes. Not all users can or should switch — complexity and availability vary.
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DCA COMPARISON GAP
Annual gap across 10 tracked routes: A$221
Independent Reserve vs Kraken — estimated 12-month recurring-buy cost difference
Estimated annual gap
A$221
/year
Independent Reserve1.73%
A$90/yr
Kraken5.98%
A$311/yr
3.5× cost difference · Rate spread: 4.25%
10 exchangesstrong coverageSnapshot #39800 · Jul 10, 2026
BTC · Australia · A$100/week · Card · AUD
Estimates, not quotes. Exchange-side recurring-buy cost estimates only.Augea
Snapshot #39800 · Updated Jul 10, 2026 · 10 exchanges ranked
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All estimates are for informational purposes only. Always verify costs directly on the exchange. Estimates, not quotes.

Note: Crypto prices are typically quoted in USD. Amounts shown in AUD are converted estimates and may vary with exchange rates.