Updated October 17, 2026 · SumCue Editorial Team
coinhouse vs Independent Reserve
coinhouse
Independent Reserve
Higher score in this comparison
What sets them apart
| Compare | coinhouseReviewVisitVisit | Independent ReserveReviewVisitVisit |
|---|---|---|
| Taker fee | 1.49% | 0.02% to 0.5%Lower |
| Coins listed | 50Higher | 25 |
| Regulators | Autorité des Marchés Financiers (AMF), FR ACPR | AUSTRAC |
| Fiat deposit methods | Card, Bank, SEPACovers more | Card, Bank |
| Withdrawal fee | network + 0.29% (max EUR 500) | AUD EFT free; AUD 1.50 PayID/NPP instant; USD 25 SWIFT; NZD 29; BTC 0.0001 |
| Derivatives | No | YesHas it |
| Proof of reserves | Not confirmed | Yes |
Same on both: Exchange type (Cex).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Independent Reserve scores higher overall: 9.3 vs 8.9.
- Regulators: only coinhouse offers Autorité des Marchés Financiers (AMF), FR ACPR.
- Regulators: only Independent Reserve offers AUSTRAC.
- Founded is lower at Independent Reserve: 2013 vs 2014.
- Taker fee is lower at Independent Reserve: 0.02% to 0.5% vs 1.49%.
- Coins listed is higher at coinhouse: 50 vs 25.
- Fiat deposit methods: only coinhouse offers SEPA.
- Derivatives: only Independent Reserve.
- Support channels: only Independent Reserve offers Email, Community.
- Features: only coinhouse offers Staking.
Our verdict on each
coinhouse
Coinhouse lists a dollar-cost-averaging feature for scheduling crypto purchases and provides buying, selling and trading services.
Independent Reserve
Independent Reserve is an Australian custodial exchange suited to traders and savers who want low trading fees and a regulated account. Taker fees run 0.02% to 0.5%, and AUSTRAC registration with published proof of reserves adds reassurance, though the coin list is short.
Score breakdown
| Area | coinhouse | Independent Reserve |
|---|---|---|
| Cost | Not confirmed | 9.7 |
| Offer | 8.3 | 9.1HigherTaker fees of 0.02% to 0.5% sit under the 0.25% median, but 25 coins trail the 71.5 median. |
| Trust | 9.0 | 9.1Higher |
The bill, worked out
Buy 1,000 of crypto and sell it again
coinhouse
29.8
1.49% of 2,000
Independent Reserve
0.4 to 10
0.02% to 0.5% of 2,000
Independent Reserve comes out 29.4 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Choosing between them
Pick coinhouse if coins listed and fiat deposit methods matter most.
Pick Independent Reserve if offer, taker fee, and derivatives matter most.
Sources behind this comparison
coinhouse
- bit2me.com: 5 facts, checked September 26, 2026
- bitdegree.org: 3 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
- bitget.com: 1 fact, checked September 26, 2026
Independent Reserve
- independentreserve.com: 11 facts, checked September 26, 2026
- coingecko.com: 2 facts, checked September 26, 2026
How they place
| Ranking | coinhouse | Independent Reserve |
|---|---|---|
| Crypto | 8 of 428 | 17 of 428 |
| Crypto exchanges | 6 of 330 | 15 of 330 |
Every fact side by side
| Fact | coinhouse | Independent Reserve |
|---|---|---|
| Features | Custodial, StakingCovers more | Custodial |
| Legal entity | COINHOUSE SAS | Independent Reserve Pty. Ltd. (ABN 46 164 257 069) |
| Headquarters | France | Australia |
| Founded | 2014 | 2013Lower |
| Support channels | Help centre | Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | coinhouse | Independent Reserve | Median |
|---|---|---|---|
| Taker fee | 1.49%highest quarter | 0.02% to 0.5%lowest quarter | 0.15% |
| Coins listed | 50below the median | 25lowest quarter | 89.5 |
Median across 222 listed providers.
Pros and cons
coinhouse
Pros
- Coinhouse lists a dollar-cost-averaging feature for scheduling crypto purchases and provides buying, selling and trading services.
- The captured same-day homepage does not establish returns, licensing or security.
Cons
- Crypto values can fall sharply, so part or all of the money invested may be lost
- Holdings are not covered by deposit or securities protection schemes
- The range is a focused selection rather than an extensive catalogue
Independent Reserve
Pros
- Taker fees of 0.02% to 0.5% come in under the 0.25% median for the category.
- AUSTRAC registration in Australia under licence DCE-100461150-001.
- Proof of reserves is published, so customer balances can be checked against assets held.
Cons
- The coin list is short at 25, against a 71.5 median across the exchanges compared.
- Support runs on email, help centre and community only.
- Withdrawal costs vary by rail: AUD bank transfers are free, while SWIFT, New Zealand dollar and Bitcoin withdrawals cost more.
Who each suits
coinhouse
Who it suits
- French Coinhouse users scheduling recurring crypto purchases or reviewing buy, sell and trade functions
Who should look elsewhere
- People who need funds protected by deposit schemes
- Investors seeking a very wide catalogue of tokens
Independent Reserve
Who it suits
- Traders who care about the trading fee more than the length of the coin list.
- Australian residents who want an exchange registered with AUSTRAC in their own country.
- People happy with a custodial account, where the exchange holds the coins, as listed under custodial.
Who should look elsewhere
- Traders after a long coin list, since Independent Reserve lists 25 coins while the median here is 71.5.
- Anyone who wants phone or live chat help, since support runs on email, help centre and community.
- Readers heading to bunq or eToro for a cheaper trade, at 0.25% to 1.99% and 1% against 0.02% to 0.5% here.
Country by country
| Country | coinhouse | Independent Reserve |
|---|---|---|
| Australia | No | Yes |
| New Zealand | No | Yes |
| Singapore | No | Yes |
Questions about each
coinhouse
Which subjects does the educational content cover?+
The educational content covers crypto from the beginning, with material that explains how the market works. Major coins such as Bitcoin and Ethereum are among the subjects covered, so newcomers can learn the basics before looking at other assets. This explainer suits anyone who wants to understand the sector before buying or selling.
Who oversees the company's crypto services?+
The company is authorised by the French Financial Markets Authority, which places its activity under French oversight. Its crypto services also fall under the European framework known as MiCA, which sets common rules for providers across the bloc. Together these rules shape how the company must operate and report its activities.
Independent Reserve
What does Independent Reserve charge to trade?+
Taker fees run 0.02% to 0.5%, which is below the 0.25% median across the exchanges compared here. For contrast, bunq charges 0.25% to 1.99% and eToro 1%, so the rate here is among the lower ones. What you pay depends on the market you trade.
How many coins can I buy?+
The exchange lists 25 coins, well under the 71.5 median across the exchanges compared and the 74.5 median for this category. Pick it for the main pairs rather than for breadth of listings.