Premium Accounts

Premium Account holders benefit from insurance backed by the largest underwriter in the world, the highest levels of support, reduced trading fees, and the very best of Independent Reserve.

Premium Account Features


Independent Reserve maintains an insurance policy over the value of cryptocurrency held in our storage facilities. The insurance offered with a Premium Account insures you against a breach of Independent Reserve's physical security measures, employee theft or loss of any cryptocurrency that is held in an Independent Reserve wallet. Either hot wallet or cold storage. Your cryptocurrency is insured up to an equivalent AUD amount in line with your Premium Account tier.

The policy does not cover any losses resulting from unauthorised access to your Independent Reserve account. It is your responsibility to use a strong password and maintain control of all login credentials you use to access Independent Reserve.

In the event of an incident, you will be compensated for any loss of your cryptocurrency holdings at the time of the incident. The basis of valuation of your cryptocurrency holdings is determined by the blended United States Dollar (USD) price as stated on the website. In the event that the website is not available, Independent Reserve and the Insurer each select one competent and disinterested expert, and the two chosen experts shall select a further competent and disinterested umpire. The two experts together shall then select an alternative exchange from which the value of the lost cryptocurrency can be determined. If the two experts cannot agree on a suitable exchange then they shall independently submit their selection to the umpire for the umpire's ruling. The blended USD price will be converted to Australian Dollars (AUD) at the USD / AUD exchange rate on the date of the loss event. The FX rate is publicly available on the Help screen.

Trade Fee Reduction

Trade fee reductions apply from the moment that you pay the Premium Account fee and will continue until the expiry date of your Premium Account. Trade fee reductions apply in addition to the existing Trade Volume Discount schedule, down to a minimum fee of 0.05%. If the combined Trade fee reduction and trade volume discount would reduce the fee to lower than 0.05%, then the fee for that transaction will be 0.05%.

Trade fee reduction is measured in basis points (bp), where 1bp = 0.01%.

Premium Support

We take all reasonable steps to ensure that support tickets raised in our Support system by Premium Account customers who have a plan containing the Premium Support feature are responded to within 1 hour during Sydney business hours. During times of extreme market conditions, this may not be possible. During such times, premium support customers will receive priority support.

Business hours are between 8:30am and 6:00pm Sydney time, Monday to Friday, excluding Australian national and New South Wales public holidays.

Premium Account Plans

There are 6 Premium Account plans to choose from.

Please see our Terms and Conditions for further information. Log on to your Independent Reserve account to see pricing and to purchase a plan.