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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$225

across 10 ranked exchanges

12-month fee projection

Independent ReserveKraken

Ranked by estimated 12-month recurring cost

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

#	Exchange	Est. buy cost %	12-mo cost	Extra vs cheapest
1	Independent Reserve	1.63%–1.83%	A$85–A$95	—	Visit →
2	eToro	1.80%–2.06%	A$94–A$107	+A$10	Visit →
3	OKX	2.07%–2.35%	A$107–A$122	+A$25	Visit →
4	Binance	2.58%–2.93%	A$134–A$152	+A$53	Visit →
5	Swyftx	2.93%–3.32%	A$152–A$172	+A$73	Visit →
6	Crypto.com	4.12%–4.68%	A$214–A$243	+A$139	Visit →
7	Gemini	4.13%–4.67%	A$215–A$243	+A$139	Visit →
8	Bitstamp	4.56%–5.15%	A$237–A$268	+A$162	Visit →
9	Coinbase	4.65%–5.25%	A$242–A$273	+A$168	Visit →
10	Kraken	5.70%–6.43%	A$297–A$334	+A$225	Visit →

1Independent Reserve

Visit →

Cost %

1.63–1.83%

12-mo

A$85–A$95

2eToro

Visit →

Cost %

1.80–2.06%

12-mo

A$94–A$107

Extra

+A$10

3OKX

Visit →

Cost %

2.07–2.35%

12-mo

A$107–A$122

Extra

+A$25

4Binance

Visit →

Cost %

2.58–2.93%

12-mo

A$134–A$152

Extra

+A$53

5Swyftx

Visit →

Cost %

2.93–3.32%

12-mo

A$152–A$172

Extra

+A$73

6Crypto.com

Visit →

Cost %

4.12–4.68%

12-mo

A$214–A$243

Extra

+A$139

7Gemini

Visit →

Cost %

4.13–4.67%

12-mo

A$215–A$243

Extra

+A$139

8Bitstamp

Visit →

Cost %

4.56–5.15%

12-mo

A$237–A$268

Extra

+A$162

9Coinbase

Visit →

Cost %

4.65–5.25%

12-mo

A$242–A$273

Extra

+A$168

10Kraken

Visit →

Cost %

5.70–6.43%

12-mo

A$297–A$334

Extra

+A$225

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~10.5×

Card routes cost ~1.73% while bank routes cost ~0.17% 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$225

Independent Reserve vs Kraken — estimated 12-month recurring-buy cost difference

Estimated annual gap

A$225

/year

Independent Reserve1.73%

A$90/yr

Kraken6.07%

A$315/yr

3.5× cost difference · Rate spread: 4.34%

10 exchangesstrong coverageSnapshot #20360 · May 26, 2026

BTC · Australia · A$100/week · Card · AUD

Estimates, not quotes. Exchange-side recurring-buy cost estimates only.Augea

Snapshot #20360 · Updated May 26, 2026 · 10 exchanges ranked

Buy page →How we estimate →Why actual cost differs →

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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.