| Exchange | Status | Maker / taker (order book) | Instant buy / sell | Rand deposit | Rand withdrawal | Crypto withdrawal |
|---|---|---|---|---|---|---|
| Luno | FSCA CASP | 0.40% / 0.60% on crypto-rand pairs at the entry tier; USDT/ZAR −0.01% / 0.20% | 1.0% in the app; about 2% from the portfolio screen; 3.9% by card | EFT free; instant deposit 1.4% | Standard EFT R8.50 as published; express R20 (free to Standard Bank) | Network fee |
| VALR | FSCA CASP | 0.18% / 0.35% on rand pairs at the entry tier, falling with 30-day volume to rebates; crypto-crypto 0% to 0.08% / 0.035% to 0.10% | Simple Buy and Sell, about 1.6% as reported | EFT, instant EFT and PayShap free | 30 free rand withdrawals a month | Network fee; some assets free |
| Binance | FIC-registered; not an FSCA CASP | 0.10% / 0.10% spot (0.075% with BNB) | Instant buy about 0.5% | ZAR on-ramp via Stitch 1.4%; cards and P2P | ZAR off-ramp R20 | Dynamic, by network |
| AltCoinTrader | FSCA CASP | 0.10% / 0.75% as published in 2026 (previously 0% / 1%) | Easy Buy at a higher rate | EFT 0.5%, maximum R95 | R16 + 0.5%, maximum R95 | Network fee |
| Ovex | FSCA CASP | 0.25% / 0.25% flat; OTC desk for large trades | Quote-based | Free | Free as published | Network fee |
| Route | Rate | On R10,000 | On R100,000 |
|---|---|---|---|
| Luno, exchange taker | 0.60% | R60 | R600 |
| Luno, instant buy in app | 1.0% | R100 | R1,000 |
| Luno, card buy | 3.9% | R390 | R3,900 |
| VALR, exchange taker | 0.35% | R35 | R350 |
| VALR, exchange maker | 0.18% | R18 | R180 |
| VALR, Simple Buy | about 1.6% | about R160 | about R1,600 |
| Binance, spot | 0.10% | R10 | R100 |
| Binance, ZAR deposit via Stitch | 1.4% | R140 | R1,400 |
| AltCoinTrader, taker | 0.75% | R75 | R750 |
| AltCoinTrader, maker | 0.10% | R10 | R100 |
| Ovex, exchange | 0.25% | R25 | R250 |
| If you | Cheapest published route | Why |
|---|---|---|
| Buy Bitcoin once a month with rand and hold | VALR order book with a limit order (0.18%), or Luno USDT/ZAR then BTC | Free EFT deposit, low maker fee, licensed |
| Trade actively against rand | VALR taker 0.35% or Luno USDT/ZAR taker 0.20% | Deep rand books, tiers fall quickly with volume |
| Trade altcoins against USDT | Binance spot 0.10%, after on-ramping once | The 1.4% Stitch on-ramp is paid once; the book is global |
| Want it in one tap | Luno instant buy 1.0% or VALR Simple Buy | Convenience costs three to ten times the order book |
| Move large amounts | Ovex OTC desk | Quote-based pricing instead of a thin book |
Data maintained by TradeAnswers · updated as the figures change