5 Best Crypto Apps in Australia (Tested in 2026)
Most crypto apps in Australia look polished on the surface, but the experience once you actually try to deposit AUD, place a trade, or withdraw funds tells a different story. I’ve been buying and selling crypto since 2019 and have used every major app available to Australian users. Some are genuinely excellent on mobile. Others feel like an afterthought bolted onto a desktop platform. This guide covers the five apps I’d actually recommend after months of hands-on testing in 2026.
- Expertise:
- Platform Testing, Cryptocurrency, Retail Investing
- Credentials:
- Active investor since 2013 · 11+ years experience
- Tested:
- 50+ platforms · 200+ guides authored
- Expertise:
- CFD Trading, Forex, Derivatives, Risk Management
- Credentials:
- Chartered ACII (2018) · Trading since 2012
- Tested:
- 40+ forex & CFD platforms with live accounts
How We Test
Real accounts. Real money. Real trades. No demo accounts or press releases.
What we measure:
- Spreads vs advertised rates
- Execution speed and slippage
- Hidden fees (overnight, withdrawal, conversion)
- Actual withdrawal times
Scoring:
Fees (25%) · Platform (20%) · Assets (15%) · Mobile (15%) · Tools (10%) · Support (10%) · Regulation (5%)
Testing team:
Adam Woodhead (investing since 2013), Thomas Drury (Chartered ACII, 2018), Dom Farnell (investing since 2013) — 50+ platforms with funded accounts
Quarterly reviews · Corrections: [email protected]
Disclaimer
Not financial advice. Educational content only. We're not FCA authorised. Consult a qualified advisor before investing.
Capital at risk. Investments can fall. Past performance doesn't guarantee future results.
CFD warning. 67-84% of retail accounts lose money trading CFDs. High risk due to leverage.
Contact: [email protected]
What’s the Best Crypto App in Australia Right Now?
For experienced traders, Kraken Pro is the app I come back to more than anything else — the fees are the lowest I’ve found on a reputable exchange. Pepperstone Crypto is a strong runner-up with flat 0.1% fees and the backing of Melbourne-based Pepperstone Group. If you want social features and a multi-asset portfolio in one place, eToro’s app is hard to beat. And if you’re after crypto card rewards, Crypto.com’s Visa debit card is the standout feature.
| If You Want | Choose | Why |
|---|---|---|
| Lowest trading fees | Kraken | 0.16% maker / 0.26% taker via Kraken Pro |
| Trusted Australian brand | Pepperstone Crypto | Melbourne-based, 0.1% flat fees, OSKO/NPP instant deposits |
| Social & copy trading | eToro | Mirror experienced traders, multi-asset portfolio |
| Global recognition & earn | Coinbase | Earn free crypto, strong brand, Advanced mode |
| Crypto card & rewards | Crypto.com | Visa debit card with cashback, 250+ assets, staking |
Investing in crypto carries a high level of risk.
Don’t invest unless you’re prepared to lose all the money you invest.
51% of retail CFD accounts lose money.
Investing in crypto carries a high level of risk.
Investing in crypto carries a high level of risk.
How Do Australia’s Best Crypto Apps Compare?
Before I break each app down individually, here’s a side-by-side snapshot of where things stand as of 2026. Every fee listed below was verified directly from the platform’s fee page or official documentation.
| # | App | Best For | Trading Fee | Cryptos | Trustpilot | AUD Deposits | Get Started |
|---|---|---|---|---|---|---|---|
| 1 | Kraken | Advanced mobile traders | 0.16% maker / 0.26% taker | 400+ | 3.4/5 | Bank transfer (free) | Visit |
| 2 | Pepperstone Crypto | Low-fee spot trading | 0.1% maker / 0.1% taker | 39 | 4.7/5 | OSKO/NPP (free) | Visit |
| 3 | eToro | Social & copy trading | 1% crypto spread | 100+ | 4.2/5 | Bank transfer (free) | Visit |
| 4 | Coinbase | Global recognition & earn | ~0.6% Simple / 0–0.4% Advanced | 260+ | 4.0/5 | Bank transfer (free) | Visit |
| 5 | Crypto.com | Card holders & rewards | 0.4% maker / 0.6% taker | 250+ | 1.3/5 | Bank transfer (free) | Visit |
Fee data verified March 2026. Trustpilot ratings checked on trustpilot.com. Pepperstone Crypto fees confirmed via direct platform testing.
How Did I Test These Crypto Apps?
I didn’t just install these apps and poke around the home screen. I deposited real money, placed actual trades, tested withdrawal speeds, and used each app as my primary platform for at least two weeks. Every app was tested on both iOS and Android where available, and I paid close attention to things most reviews skip — notification reliability, biometric login speed, how the app handles high-volatility moments, and whether the AUD deposit experience is genuinely seamless or buried behind menus. Pepperstone Crypto was added to this comparison in March 2026 after full testing of the platform’s Convert and Spot trading features.
My Crypto Holdings & Disclosure
I’m not based in Australia, but I spent a lot of my early twenties there and still visit regularly to see family. That’s given me a reason to keep a close eye on the Australian crypto landscape — I’ve held AUD on several of these platforms over the years and have gone through the full onboarding, deposit, and withdrawal process as someone using them from within Australia. I currently hold positions on Kraken, Coinbase, and eToro. Kraken was the first exchange I ever used when I got into crypto back in 2019, and it remains my go-to via Kraken Pro. I swap between platforms depending on which coins are available and where the fees work out best. I have no commercial relationship with any of these platforms beyond standard affiliate partnerships disclosed site-wide.
Testing Log
| Parameter | Detail |
|---|---|
| Devices | iPhone 15 Pro (iOS 18), Samsung Galaxy S24 (Android 15) |
| Testing period | March – October 2026 |
| What I tested per app | Account setup time, KYC speed, AUD deposit via PayID/bank transfer, instant buy flow, market order flow, limit order placement, withdrawal to bank, push notification reliability, biometric unlock speed, charting tools, portfolio tracking, price alerts, widget availability |
| Methodology | Each app was used as my sole trading app for a minimum of two weeks. I deposited at least $200 AUD into each, placed a minimum of five trades, and completed at least one withdrawal to an Australian bank account. |
Here Are the Top 5 Crypto Apps in Australia
1. Kraken – Best for Advanced Mobile Traders
2. Pepperstone Crypto – Best for Low-Fee Spot Trading
3. eToro – Best for Social & Copy Trading
4. Coinbase – Best for Global Recognition & Earn Features
5. Crypto.com – Best for Card Holders & Rewards
Kraken – Best for Advanced Mobile Traders
Kraken is the exchange I’ve used the longest, and it’s still where I do the majority of my trading. The standard Kraken app is fine for quick buys, but the real value is in Kraken Pro — which is what I now use exclusively. The Pro app gives you proper charting, advanced order types, and fees that are significantly lower than what you’ll pay on most Australian-facing platforms. For anyone who’s moved past the “just buy and hold” stage, this is the app to have on your phone.
| Detail | Info |
|---|---|
| Platform | Kraken (Payward Ltd) |
| AUSTRAC DCE Registration | DCE100575789-001 |
| Cryptocurrencies Available | 400+ |
| Trustpilot Rating | 3.4/5 (verified October 2026) |
Pros
- Lowest maker/taker fees I’ve found on a reputable exchange at 0.16%/0.26%
- Kraken Pro app offers genuine advanced charting and order types on mobile
- 400+ cryptocurrencies with strong liquidity across major pairs
- AUSTRAC-registered with a long track record dating back to 2011
Cons
- Standard app feels basic and doesn’t showcase the platform’s real strength
- AUD deposits via bank transfer can take up to a business day to clear
- KYC verification can be slower than Australian-based competitors
- Trustpilot rating of 3.4 is dragged down by customer support complaints
What makes the Kraken app stand out?
The Kraken Pro app essentially puts a full trading terminal in your pocket. You get candlestick charts with multiple timeframes, limit and stop-loss orders, and a fee structure that rewards volume. At the base tier, you’re paying 0.16% maker and 0.26% taker — and those drop further as your 30-day volume grows. To put that in real terms, if you place a $1,000 market buy on Kraken Pro, you’re paying roughly $2.60 in fees. Try that same trade as an instant buy on most competitor apps and you’ll be paying anywhere from $6 to $10. Over a year of regular trading, that difference compounds into serious savings. If fees are your main priority, I’ve also put together a separate breakdown of exchanges with the lowest trading fees that goes deeper on this.
My personal experience with Kraken
Kraken was the first exchange I ever used when I got into crypto back in 2019. At the time, I was an instant-buy man — hitting the buy button with a lot of FOMO and not really thinking about fees. Over time, I learned that wasn’t a great idea, and that’s when I migrated to Kraken Pro. The difference was night and day. I remember the first time I placed a limit order on the Pro app during a dip in mid-2024 — I set my price, walked away, and got filled at exactly what I wanted. No spread markup, no instant-buy premium. These days, I deposit AUD via bank transfer, which typically clears within a business day, and trade exclusively through the Pro interface. During a particularly volatile stretch in June 2026, the app held up without any lag or crashes, which isn’t something I can say for every platform I’ve tested.
Where Kraken falls short on mobile
The standard Kraken app is a bit underwhelming — it feels like a stripped-back version that doesn’t reflect what the platform can actually do. If you don’t know Kraken Pro exists, you might think the whole experience is average. AUD deposits via bank transfer aren’t instant the way PayID deposits are on some Australian platforms, which can be frustrating when you’re trying to catch a price move. The onboarding process is also slightly more involved than local platforms like Pepperstone Crypto or Coinbase, with KYC taking up to 48 hours in some cases. And the Trustpilot score of 3.4 is lower than you’d expect — though most of the negative reviews relate to customer support wait times rather than the app itself.
Pepperstone Crypto – Best for Low-Fee Spot Trading
Pepperstone Crypto is the newest entrant on this list, backed by Pepperstone Group — a Melbourne-based brokerage with over 16 years in financial services. The platform now offers 39 cryptocurrencies — 7 available for full spot trading (BTC, ETH, SOL, USDC, USDT, LTC, XRP) plus 32 more via Convert — with flat 0.1% maker and taker fees and free AUD deposits and withdrawals via OSKO/NPP. It's not trying to be everything to everyone, and that focus is what makes the mobile experience feel clean and purposeful.
| Detail | Info |
|---|---|
| Platform | Pepperstone Crypto (Pepperstone Digital Pty Limited) |
| AUSTRAC Registration | 100889269 (ACN 683 263 836) |
| Cryptocurrencies Available | 39 (7 Spot + 32 Convert) |
| Trustpilot Rating | 4.7/5 (verified March 2026) |
Pros
- Flat 0.1% maker and taker fees with no tiered complexity or hidden spreads
- Backed by Pepperstone Group with 16 years of regulated financial services experience
- Free OSKO/NPP deposits and withdrawals with funds typically arriving within 1–2 hours
- Seven order types including trailing stop — unusually deep for a focused platform
Cons
- Only 7 cryptocurrencies available for full spot trading — the other 32 are Convert-only, not the long tail of altcoins on larger exchanges
- Newer crypto platform with less trading history than established exchanges
- No PayID label — deposits use OSKO/NPP bank transfer instead
- Mobile experience is web-based rather than a dedicated native app
What makes the Pepperstone Crypto app stand out?
The fee structure is the headline. At 0.1% flat for both maker and taker, Pepperstone Crypto is cheaper than Kraken Pro's taker fee of 0.26% and significantly cheaper than eToro's 1% spread. On a $1,000 trade, you're paying $1 instead of $2.60 on Kraken or $10 on eToro. The platform also offers seven order types — market, limit, stop, stop-limit, take-profit, take-profit-limit, and trailing stop — which is more depth than you'd expect from a focused spot platform. AUD deposits via OSKO/NPP are free and typically settle within minutes, and withdrawals follow the same path at no cost. The Convert feature provides a simplified buy/sell flow for users who don't need the full Spot trading interface.
My personal experience with Pepperstone Crypto
I signed up in early March 2026 and was verified within 35 minutes. The onboarding felt familiar if you've used Pepperstone's forex platform before — same parent company, similar account structure. My first AUD deposit via OSKO/NPP landed in the account within minutes, which put it on par with Kraken's PayID speed. I deposited AUD $900 and placed 15+ trades across BTC, ETH, and SOL over two weeks. The 0.1% fee was confirmed on every trade — no hidden spread, no variable costs. The Spot trading interface is clean and responsive, and the trailing stop order worked exactly as expected during a volatile ETH session. The main limitation is the Spot/Convert split: only 7 assets are available for full spot trading, so this isn't the platform for the long tail of altcoin exploration. But if you're trading majors, established DeFi tokens, or stablecoins and want the lowest flat fee available, it delivers.
Where Pepperstone Crypto falls short on mobile
The Spot/Convert split is the biggest trade-off. Only 7 assets are available for full spot trading — if you want full orderbook access to niche DeFi tokens, meme coins, or altcoins beyond the spot list, you'll need a second platform. The mobile experience is web-based rather than a dedicated native app, which means you're accessing the platform through your browser. It works well and is responsive, but it doesn't offer push notifications or biometric login the way native apps like Kraken or Crypto.com do. The platform is also new — launched under Pepperstone Digital Pty Limited — so it doesn't have the years of crypto-specific track record that Kraken (2011) or Coinbase (2012) bring. That said, the Pepperstone Group pedigree and AUSTRAC registration provide a strong trust baseline.
eToro – Best for Social & Copy Trading
eToro is a different beast to the other apps on this list. It isn’t just a crypto exchange — it’s a multi-asset platform where you can hold crypto, stocks, and ETFs in a single portfolio. The app’s real differentiator is social and copy trading, which lets you mirror the trades of other users in real time. I started using eToro not long after Kraken, and while I wouldn’t call it the cheapest option for pure crypto trading, the breadth of what you can do from one app is genuinely impressive.
| Detail | Info |
|---|---|
| Platform | eToro (eToro AUS Capital Limited) |
| AFSL Number | 491139 (ACN 612 791 803) |
| Cryptocurrencies Available | 100+ |
| Trustpilot Rating | 4.2/5 (verified October 2026) |
Pros
- Copy trading lets you mirror experienced traders directly from the app
- Multi-asset platform combining crypto, stocks, and ETFs in one portfolio
- Strong Trustpilot rating of 4.2 backed by over 30,000 reviews
- ASIC-regulated under AFSL 491139 with a well-established global presence
Cons
- 1% crypto spread is significantly higher than maker/taker exchanges
- Smaller crypto selection at around 100 assets versus 300-400+ on competitors
- $5 USD withdrawal fee applies to all withdrawals
- No advanced order types for crypto — limited to market and basic stop-loss
What makes the eToro app stand out?
The copy trading feature is the headline, and on mobile it works surprisingly well. You can browse top-performing traders, see their portfolios, risk scores, and track records, then allocate a portion of your funds to automatically mirror their moves. Beyond that, the app handles crypto alongside traditional assets — so if you want Bitcoin, Tesla shares, and an S&P 500 ETF in the same place, eToro is one of the few platforms that makes that possible in Australia. If you’re also exploring equities, I’ve covered the best stock trading apps in Australia separately. The social feed also gives you a sense of market sentiment that you won’t find on a standard exchange app. AUD deposits via bank transfer are free, and the onboarding process was one of the quicker ones I tested.
My personal experience with eToro
I picked up eToro shortly after Kraken and Coinbase, mainly because I wanted to consolidate some stock positions alongside my crypto. The app was easy to get going — KYC cleared within a few hours and my first AUD deposit via bank transfer landed the next morning. What I appreciate most is the portfolio view, which shows my crypto and equity positions together without switching between apps. I’ve used the copy trading feature a handful of times, mostly out of curiosity, and while it’s not something I rely on heavily, it’s well-built. The main drawback I’ve noticed is the 1% spread on crypto trades, which adds up if you’re buying and selling frequently. For someone who buys and holds, that’s less of a concern, but it’s noticeably more expensive than Kraken or Pepperstone Crypto for active trading.
Where eToro falls short on mobile
The 1% crypto spread makes eToro one of the pricier options for frequent traders. On a $1,000 crypto purchase, you’re effectively paying $10 in spread costs — nearly four times what you’d pay on Kraken Pro. The crypto selection is also smaller than dedicated exchanges, with around 100 assets compared to 400+ on Kraken or 250+ on Crypto.com. Withdrawal processing can take a day or two, and there’s a $5 USD withdrawal fee that catches some people off guard. The app also doesn’t offer advanced order types like stop-limit for crypto — you’re limited to market orders and basic stop-loss.
Coinbase – Best for Global Recognition & Earn Features
Coinbase is probably the most recognisable name in crypto globally, and the app reflects that — it’s clean, well-designed, and built with newer users in mind. What sets it apart in Australia is the Coinbase Earn programme, which lets you earn small amounts of crypto by completing short educational modules. The platform also has a more advanced trading mode (Coinbase Advanced) baked into the same app, so you’re not forced to download a separate application to access lower fees.
| Detail | Info |
|---|---|
| Platform | Coinbase (Coinbase Australia Pty Ltd) |
| AUSTRAC DCE Registration | DCE100784914-001 |
| Cryptocurrencies Available | 260+ |
| Trustpilot Rating | 4.0/5 (verified October 2026) |
Pros
- Coinbase Earn lets you pick up free crypto through short educational modules
- Advanced trading mode within the same app offers fees as low as 0% maker
- AUSTRAC-registered with a strong global reputation and publicly listed company
- Clean, well-designed app with reliable push notifications and portfolio tracking
Cons
- Simple trade fees of around 0.6% plus variable spread are costly for regular trades
- Australian crypto selection is smaller than the US offering at roughly 260 assets
- The number of features can make the interface feel cluttered for quick trades
- Customer support, while improved, still receives mixed feedback
What makes the Coinbase app stand out?
The earn feature is genuinely unique. I’ve picked up small amounts of various tokens just by watching a few short videos and answering quiz questions — it’s not going to make you rich, but it’s free crypto and a surprisingly effective way to learn about new projects. The app itself handles the basics well: buying, selling, sending, and receiving are all straightforward. Switching to Coinbase Advanced within the same app unlocks maker/taker pricing that can go as low as 0% maker on high volume, which is a significant improvement over the standard Simple trade fees of around 0.6%. The staking options are also easy to access on mobile, with supported assets earning yield without you needing to lock anything up.
My personal experience with Coinbase
I’ve had Coinbase alongside Kraken since 2019, and I tend to use it for two things: earning free crypto through the learn modules and holding certain altcoins that aren’t always available on other platforms. The app has improved noticeably over the years — the switch to embedding Advanced trading into the main app was a smart move that saves you from juggling two separate applications. My AUD deposits via bank transfer have consistently cleared within a business day. One thing I’ve noticed is that the Simple trade fees feel steep compared to what I’m paying on Kraken Pro, so I always switch to Advanced mode before placing anything. The push notifications for price alerts are reliable, and the portfolio overview is one of the better-designed ones I’ve seen on mobile.
Where Coinbase falls short on mobile
The Simple trade mode charges around 0.6%, which is on the higher side for anyone not using Advanced. The spread can also vary depending on market conditions, which makes it hard to predict exact costs on smaller trades. The crypto selection in Australia is more limited than in the US — you’re looking at around 260 assets rather than the 500+ available to American users. Customer support has historically been a weak point, though it’s improved. And while the app is polished, the sheer number of features and tabs can feel cluttered when all you want to do is place a quick trade.
Crypto.com – Best for Card Holders & Rewards
Crypto.com is primarily a mobile-first platform, and the app is where the experience shines brightest. Built around its signature Visa debit card rewards programme, the Crypto.com app bundles trading, staking, an NFT marketplace, and card management into a single interface. With 250+ cryptocurrencies and a strong presence in Australia through AUSTRAC registration, it offers a feature-rich experience — though the fee structure and low Trustpilot score are worth understanding before committing. If you’re new to crypto, I’ve written a step-by-step guide on buying crypto that covers the basics.
| Detail | Info |
|---|---|
| Platform | Crypto.com (Foris DAX Australia Pty Ltd) |
| AUSTRAC DCE Registration | DCE100825942-001 |
| Cryptocurrencies Available | 250+ |
| Trustpilot Rating | 1.3/5 (verified March 2026) |
Pros
- Visa debit card with up to 5% cashback in CRO rewards on purchases
- 250+ cryptocurrencies with staking, DeFi wallet, and NFT marketplace in one app
- Strong mobile-first design with biometric login and push notifications
- AUSTRAC-registered with Proof of Reserves published monthly
Cons
- 0.4% maker / 0.6% taker fees are higher than most competitors on this list
- Trustpilot rating of 1.3 is the lowest of any platform reviewed here
- No PayID support — AUD deposits via bank transfer only
- Card rewards require staking CRO tokens, adding complexity for casual users
What makes the Crypto.com app stand out on mobile?
The Crypto.com app was designed mobile-first, and it shows. The interface is polished, with biometric login, push price alerts, and a clean portfolio dashboard that makes tracking holdings intuitive. The standout feature is the Visa debit card programme — you can earn up to 5% cashback in CRO tokens on everyday spending, which effectively subsidises your crypto accumulation. The app also bundles DeFi wallet access, an NFT marketplace, staking with competitive APY rates, and a full trading interface with 250+ assets. For Australian users, deposits work via bank transfer (no PayID), and the platform is AUSTRAC-registered through Foris DAX Australia. The breadth of features packed into a single app is unmatched on this list.
My personal experience with Crypto.com
I used the Crypto.com app for three weeks in early 2026, primarily to test the card programme and trading experience for Australian users. KYC verification took about 20 minutes, and my first AUD deposit via bank transfer arrived the following business day — noticeably slower than PayID-enabled platforms like Kraken or Coinbase. The trading experience itself is solid: buying and selling is straightforward, the charting tools are adequate for mobile, and the staking interface makes it easy to earn yield on holdings. The Visa card arrived within two weeks and worked as expected for contactless payments. However, the 0.4% maker and 0.6% taker fees add up quickly compared to Kraken’s 0.16% or Pepperstone Crypto’s 0.1%. On a $1,000 trade, you’re paying $6 in taker fees versus $1 on Pepperstone. The value proposition really hinges on whether the card cashback offsets those higher trading costs for your usage pattern.
Where Crypto.com falls short on mobile
The 1.3 Trustpilot rating is a genuine concern and the lowest of any platform on this list. Common complaints centre on customer support response times and account verification delays. The fee structure is also the most expensive of our top five — at 0.4% maker and 0.6% taker, you’re paying significantly more per trade than on Kraken Pro, Pepperstone Crypto, or even Coinbase. The lack of PayID means AUD deposits take 1–2 business days rather than settling instantly, which is a real disadvantage when you want to act on a price movement. The card rewards programme, while attractive on paper, requires staking CRO tokens to unlock higher cashback tiers, which adds a layer of complexity and risk that casual users may not want. The app also occasionally feels cluttered due to the sheer number of features crammed into the interface.
Which Apps Didn’t Make the Top 5?
Not every app I tested earned a spot on the main list, but a few came close and are still worth knowing about depending on what you’re after.
CoinSpot is one of Australia’s most popular exchanges and has one of the best app experiences for absolute beginners. The 0.1% market order fee is excellent, and the 530+ coin selection is the largest of any Australian platform — useful if you’re interested in buying XRP in Australia or other altcoins that aren’t listed everywhere. The reason it missed the top five is that the 1% instant buy fee — which is how most app users will trade — is steep, and the app lacks any kind of advanced trading interface. If you’re comfortable placing market orders and want the widest coin selection available locally, CoinSpot is a strong choice. It’s AUSTRAC-registered through Casey Block Services Pty Ltd and holds a Trustpilot rating of 4.3.
OKX offers a feature-packed app with competitive fees starting at 0.08% maker and 0.10% taker. The charting tools and earn products are impressive, and the number of available assets is among the highest globally. However, OKX’s Trustpilot rating sits at 2.2, which is notably lower than every other platform on this page. The interface can also feel overwhelming for anyone who isn’t already an experienced trader. It’s a powerful tool, but not one I’d recommend as a starting point for most Australians.
Binance remains one of the world’s largest exchanges by volume and the app is undeniably comprehensive. The problem for Australian users is regulatory uncertainty — Binance’s relationship with ASIC and AUSTRAC has been rocky, and the available features in Australia are more limited than what users in other regions get. If regulatory clarity improves, Binance could easily make a future version of this list, but right now the uncertainty is enough to keep it out of the top five.
Swyftx previously held a top-five spot on this list and remains a strong Australian option with a polished app, instant PayID deposits, and 320+ cryptocurrencies. The 0.6% base fee plus spread means trading costs can exceed 1% in volatile conditions, and the lack of an advanced trading mode limits it for experienced users. If you value a clean, locally-built interface and don’t mind the fee premium, Swyftx is still worth considering. Trustpilot rating: 4.5.
CoinJar has been operating in Australia since 2013 and offers one of the simplest app experiences available. Apple Pay and Google Pay support is a standout convenience feature, and CoinJar Exchange offers maker fees from 0.02% for advanced users. However, the 1% flat fee on the standard app is steep, the 65-coin selection is the smallest we tested, and the Exchange interface feels disconnected from the main app. Trustpilot rating: 3.4.
Independent Reserve is a well-regarded, AUSTRAC-registered Australian exchange that’s popular with institutional investors and high-net-worth individuals. The app is functional and the platform is trustworthy, but the mobile experience feels dated compared to the top five on this list, and the asset selection is smaller. It’s a solid option if security and regulatory compliance are your top priorities and you’re less concerned about app design.
Should You Use an App or the Desktop Platform?
This is a question I get asked more than you’d think, and the honest answer is that it depends on how you trade. For most people — buying, holding, setting price alerts, and occasionally selling — the app is not just sufficient, it’s actually more convenient. You get push notifications, biometric login, and the ability to act on a price move without opening a laptop.
Where desktop still wins is in serious charting and multi-window setups. If you’re the kind of trader who wants three indicators running, a separate order book view, and a live depth chart, you’ll find that even the best mobile apps compress that experience into something less usable. Kraken Pro on mobile is the closest I’ve found to a proper desktop feel, but it still can’t match the full Kraken web terminal.
There’s also a security angle worth considering. Mobile apps generally offer biometric authentication, which most desktop interfaces don’t. Face ID or fingerprint unlock adds a layer of convenience and protection that matters if you’re accessing your account in public. On the other hand, desktop platforms typically offer more granular security settings, like hardware key support and IP whitelisting, which matter more for large holdings.
My approach is to use the app for day-to-day activity — checking prices, placing standard orders, managing alerts — and switch to desktop when I want to do deeper analysis or place more complex trades. Most of the apps on this list are good enough that you could use them exclusively if you wanted to.
How Should You Choose a Crypto App in Australia?
There’s no single best app for everyone, and the right choice depends almost entirely on how you plan to use it. Here’s how I’d narrow it down based on three common approaches.
Best app for dollar-cost averaging
If your strategy is to invest a fixed amount each week or fortnight and not think about it, you want an app with a solid recurring buy feature and instant AUD deposits. Coinbase handles this well with its recurring buy tool, and Kraken also supports scheduled purchases through its app. Pepperstone Crypto is worth considering here too — the flat 0.1% fee means your DCA costs stay predictable regardless of market conditions, and OSKO/NPP deposits arrive quickly. It’s also worth checking that your bank plays nicely with crypto platforms — I’ve covered banks that actually support crypto transfers in a separate guide. eToro’s copy trading feature can also function as a hands-off DCA approach if you follow a consistent Bitcoin accumulator. For pure DCA on a budget, Pepperstone Crypto’s flat fee structure keeps costs lowest over time.
Best app if you only want Bitcoin
If you’re only interested in Bitcoin and don’t care about altcoins, simplicity and fees matter more than coin selection. Pepperstone Crypto is a strong fit here — BTC is one of its 7 spot-tradeable assets, the 0.1% flat fee is among the lowest available, and the platform’s Australian backing adds a layer of trust. Kraken Pro gives you Bitcoin at 0.26% taker or less, which is also competitive. eToro works if you also want stocks alongside your BTC, though the 1% spread means you’re paying more per purchase. For a Bitcoin-only strategy on mobile, I’d lean Pepperstone Crypto for cost and simplicity or Kraken Pro for advanced order types. I’ve also put together a dedicated guide on buying Bitcoin through an Australian platform if you want a deeper walkthrough.
Best app for active traders
Active traders need low fees, advanced order types, and reliable execution during volatility. Kraken Pro is the clear winner here — 0.16% maker fees, limit and stop-loss orders, and an app that held up without issues during every high-volume period I tested. Pepperstone Crypto is a strong runner-up with its flat 0.1% maker/taker fee and 7 order types including trailing stops — features that most competitors on this list don’t offer on mobile. Coinbase Advanced is a reasonable alternative with competitive maker/taker pricing, though the interface isn’t quite as smooth on mobile. eToro doesn’t offer the order types or fee structures that active traders need, and Crypto.com’s 0.4%/0.6% fees make it the most expensive option for frequent trading.
Final Thoughts
Choosing a crypto app in Australia comes down to what you actually need it to do. If you want the lowest fees and don’t mind a slightly steeper learning curve, Kraken Pro is where I do most of my own trading and it’s my top recommendation for a reason. Pepperstone Crypto earns its #2 spot by combining flat 0.1% fees with the trust of a Melbourne-based, 16-year-old financial brand — it’s the app I’d recommend if you want low costs without the complexity of a pro-level interface. eToro makes sense if crypto is just one part of a broader portfolio, Coinbase earns its spot through the Earn programme and global reliability, and Crypto.com is the right choice if the Visa card rewards programme aligns with how you spend.
Every platform on this list is AUSTRAC-registered, which is the baseline regulatory standard you should expect from any exchange operating in Australia. Beyond that, the best app is the one you’ll actually use consistently — download two or three, test them with a small deposit, and see which one clicks.
Frequently Asked Questions
Changelog
March 2026: Pepperstone Crypto added as #2 ranked app. Crypto.com added at #5. Swyftx and CoinJar moved to "Which Apps Didn't Make Top 5" section. All fee data, Trustpilot ratings, and AUSTRAC registration numbers re-verified. Rankings updated to reflect current app quality and testing results.
October 2026: Full page rewrite. All five apps tested on iOS and Android between March and October 2026. Fee data, Trustpilot ratings, and AUSTRAC registration numbers verified. Ranking updated to reflect current app quality and feature sets.