Updated September 29, 2026 · HodlCue Editorial Team
coinhouse vs Independent Reserve
coinhouse
Independent Reserve
Higher score in this comparison
Where coinhouse and Independent Reserve differ
| Compare | coinhouseReviewVisitVisit | Independent ReserveReviewVisitVisit |
|---|---|---|
| Taker fee | 1.49% | 0.02% to 0.5%Lower |
| Coins listed | 50Higher | 25 |
| Regulators | Autorite des Marches Financiers (AMF), 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 Autorite des Marches Financiers (AMF), 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 is a French custodial exchange for euro buyers who care more about regulation and funding options than price. A taker fee of 1.49% makes it costly to trade often, and the 50 coin list keeps it behind larger venues.
Independent Reserve
Independent Reserve suits Australian and New Zealand buyers who want a regulated custodial exchange with plain card and bank deposits. Fees of 0.02% to 0.5% are competitive with the site median of 0.2%, though the coin list is modest for traders who want broader markets.
Score breakdown
| Area | coinhouse | Independent Reserve |
|---|---|---|
| Cost | 8.1A taker fee of 1.49% against a site median of 0.2%. | 9.7Higher |
| Offer | 8.8A coin list of 50, fiat deposits by card, bank and sepa and staking on a custodial account. | 9.1HigherFees of 0.02% to 0.5% sit around the site median of 0.2%, but the list of 25 coins is small. |
| Trust | 9.6Higher | 9.1 |
Where they rank in our lists
| Ranking | coinhouse | Independent Reserve |
|---|---|---|
| Crypto exchanges | 5 of 297 | 12 of 297 |
| Where to buy crypto | 4 of 177 | 7 of 177 |
Side by side, item by item
| Fiat deposit methods | coinhouse | Independent Reserve |
|---|---|---|
| Card | Yes | Yes |
| Bank | Yes | Yes |
| SEPA | Yes | No |
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 | 76 |
Median across 219 listed providers.
Pros and cons
coinhouse
Pros
- Regulated in France by the Autorite des Marches Financiers (AMF) and FR_ACPR, with licence references A2026-013 and MiCA CASP 969500E5GFHK2RKF8251.
- Fiat deposits cover card, bank and sepa, so funding does not need a bank transfer in another currency.
- A card, bank and sepa deposit set and a custodial account with staking suits straightforward buy and hold use.
Cons
- A taker fee of 1.49% sits well above the site median of 0.2% and the 0.55% upper quartile.
- The coin list of 50 ranks near the bottom of the compared field on coins listed.
- Support runs on help centre only, and derivatives are not offered.
Independent Reserve
Pros
- Registered with AUSTRAC in Australia, so the exchange answers to a recognised anti-money laundering regulator.
- Publishes proof of reserves, which 79.4% of compared exchanges do.
- Card and bank transfers are both accepted through card and bank.
Cons
- The list of 25 coins is small next to the site median of 62.
- Support runs on email, help centre and community only, with no phone or live chat listed.
- Balances are custodial, so coins sit with the exchange rather than in a wallet the holder controls.
Who each suits
coinhouse
Who it suits
- Euro holders in France depositing by card, bank and sepa.
- Long term holders who want staking on a custodial account.
- Buyers who put regulator status and licence references ahead of fee level.
Who should look elsewhere
- Active traders, since fees of 1.49% per trade add up quickly against the site median of 0.2%.
- Bunq, if a lower fee band matters more, with taker fees of 0.25% to 1.99%.
- Bitpanda, if breadth of assets matters more, with from 650 listed.
Independent Reserve
Who it suits
- Australian and New Zealand residents paying in by card or bank transfer
- Buyers of mainstream coins who want proof of reserves and a named regulator
- Traders who also want access to derivatives
Who should look elsewhere
- Traders chasing a long tail of altcoins, where the exchange is a broker for Australia and New Zealand rather than a global venue
- bitpanda, which lists from 650 coins for a much wider choice
- bunq, whose taker fees of 0.25% to 1.99% suit European bank customers
Country by country
| Country | coinhouse | Independent Reserve |
|---|---|---|
| Australia | No | Yes |
| New Zealand | No | Yes |
| Singapore | No | Yes |
Questions about each
coinhouse
What does Coinhouse charge to trade?+
The taker fee is 1.49%. That is well above the site median of 0.2% and the 0.55% upper quartile, so frequent trading is the costliest part of using this exchange.
What does it cost to withdraw crypto?+
Withdrawals cost network + 0.29% (max EUR 500), which covers the network charge plus a percentage fee with a cap. Set aside that amount before moving coins off the platform.
Independent Reserve
What does Independent Reserve charge in fees?+
Taker fees run 0.02% to 0.5%, which brackets the site median of 0.2% and sits inside the upper quartile of 0.55%. Withdrawals are also charged: AUD transfers are free, while instant AUD and crypto withdrawals carry a fee.
Is Independent Reserve regulated?+
It is registered with AUSTRAC in Australia under DCE-100461150-001, the country's anti-money laundering and counter-terrorism financing regulator. It also publishes proof of reserves, a step 79.4% of the compared exchanges report.