VS 
Digital Surge vs Independent Reserve (2026)
Compared on verified data — same methodology, same fact database, every pair.
Ad disclosure: both 'Visit' buttons are affiliate links*. It never affects scores or rankings. How we make money
Choose Independent Reserve if…
- → you need SMSF account support
- → you just want our higher-scored pick (7.9 vs 7.8)
Side by side
| Our score | 7.8/10 | 7.9/10 better |
|---|---|---|
| Maker / taker fee | 0.5% / 0.5% | 0.5% / 0.5% |
| Instant-buy fee | 0.5% | 0.5% |
| Coins listed | 400+ better | 32+ |
| AUD withdrawal fee | Free | Free |
| AUD deposit methods | PayID · Bank transfer | PayID · Osko · Bank transfer |
| Demo mode | ✕ No | ✕ No |
| SMSF support | ✕ No | ✓ Yes better |
| Australian-based | 🇦🇺 Yes | 🇦🇺 Yes |
| Full AFSL | Transitional | Transitional |
| Incidents on record | ✓ None | ✓ None |
| Best for | simple low fees | SMSF investors |
Digital Surge leads 1 row, Independent Reserve leads 2 — what matters is which rows matter to you. Try any other matchup in the comparison tool · sources: Digital Surge review, Independent Reserve review
What a A$1,000 buy costs on each
Headline fees only — we don't yet hold a verified spread estimate for either platform. The spread is real money on an instant buy, so both cost more than the figures below; the fee is the part we can compare like for like.
Digital Surge - Instant buy
- A$5.00
- Market order
- A$5.00
Independent Reserve - Instant buy
- A$5.00
- Market order
- A$5.00
On a A$1,000 instant buy the two are within a cent of each other. Using market orders they are within a cent of each other. Fees are per trade, so multiply by how often you buy.
What you can actually buy on each
Counted against the 152 coins we track, and re-checked against each platform's own public asset list every day — not the headline number on their marketing pages.
| Coins we track that it lists | 117 | 39 |
|---|---|---|
| Priced directly in AUD | 117 | 39 |
| On this one only | 81 | 3 |
36 of the coins we track are on both. Only on Digital Surge: BNB, Zcash, NEAR Protocol, Rain, Canton and 76 more. Only on Independent Reserve: Tether Gold, Ripple USD, Mantle.
What is on each one's record
Hacks, penalties, licence changes and ownership changes we hold a source for. An empty record means we have not recorded an event, not that nothing has ever happened.
Digital Surge - 📉 administration 8 Dec 2022 Entered voluntary administration after FTX exposure · source
Independent Reserve - 🤝 acquisition 19 Sept 2025 IG Group to acquire 70% of Independent Reserve (~US$117M EV) · source
FAQ
Which is better, Digital Surge or Independent Reserve?
It depends what you optimise for: Digital Surge wins when you want a wider coin range (400+ vs 32+); Independent Reserve wins when you need SMSF account support. Both are AUSTRAC-registered.
Can I use both Digital Surge and Independent Reserve?
Yes — many Australians keep accounts on two exchanges: one for cheap market orders, one for range or features. There is no cost to holding both accounts.
Are these comparisons affected by commissions?
No. Both Visit buttons are affiliate links, but every number on this page renders from our verified fact database and the comparison logic is identical for every pair we publish.
General information only, not financial advice. Verify current fees before trading. Facts on this page last verified 2026-07-22.