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Luis Clark
Luis is a personal finance expert who has been passionate and writing about crypto for more than five years.
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    Digital Surge vs. Crypto.com 2023: Fees, Pros & Cons

    Digital Surge Review

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    crypto com review australia

    This article matches Digital Surge versus Crypto.com to decide which of these two crypto exchanges in Australia is best for Australian users searching for a safe and effective platform for trading digital assets. To reach a conclusion we carried out extensive research and used both crypto exchanges.

    Digital Surge vs. Crypto.com: Verdict

    Our pick is Crypto.com. The cryptocurrency exchange provides more products and better usability for its Australian audience.

    Digital Surge Logo



    Crypto.com Logo



    Digital Surge vs. Crypto.com: Unique Features

    Unique Features of Digital Surge

    Digital Surge Earn

    This is a program that allows Digital Surge account holders to earn interest on their crypto portfolio and SMSF. Users earn the advertised APY percentage return as interest on crypto assets lent to Digital Surge.  There is no minimum or maximum deposit amount. Interests are compounded daily but rewards are paid monthly. Also, there is no lock-in period for the Earn program. Users do not receive rewards on the day they choose to redeem their locked assets.  At the point of redemption, users receive the principal of the loan and the interest back into the user’s digital surge wallet. The interest earned is paid in the same asset that was deposited into the Earn Program.

    Unique Features of Crypto.com

    Crypto.com Visa Card

    Crypto.com Card

    This is a prepaid Visa card that enables cardholders to spend cryptocurrencies on the go. Since the Crypto.com Visa card is a prepaid card, it needs to be topped up with the user’s preferred cryptocurrency before it can be used. The card can be topped up via bank account transfers and credit/debit cards. 

    The Crypto.com card is available to users who have staked CRO tokens for at least 180 days. The staked funds must be held for a minimum of 6 months. Cardholders can earn cash back in form of CRO rewards. The reward earned is deposited instantly into the account of the cardholder. 

    There are 5 tiers of the Crypto.com Visa card. The card tier available to a user is dependent on the amount of CRO tokens staked. Let’s take a brief look at each tier. 

    • Midnight Blue: No staking is required to own this card, it is free. It has a monthly fee-free ATM allowance of $250 and earns no cashback. Unlike other tiers, midnight blue cards are made of plastic. 
    • Ruby Steel: This tier is available to users who have staked at least $400. Cardholders get a monthly reimbursement on Spotify subscriptions and can earn up to $25 in CRO rewards in card expenses monthly. Ruby Steel has an ATM fee-free limit of $600 per month. 
    • Royal Indigo and Jade Green: The staking requirement for this card is $4000. Cardholders get a monthly reimbursement for Netflix and Spotify subscriptions. They also enjoy 2% active stake CRO rewards and free ATM withdrawals of up to 800 dollars monthly. 
    • Frosted Rose Gold and Icy White: To qualify for this tier, users must stake at least $40,000 on Crypto.com. Cardholders enjoy reimbursement on Spotify, Amazon Prime, and Netflix subscriptions. They also earn 3%(active stake) and 1%(no stake) CRO rewards on all eligible card spending. There are also free ATM withdrawals of up to $1000.

    Obsidian: This is the top-tier card and is only available to users who have staked at least $400,000. Cardholders are reimbursed for their Netflix, Spotify, and Amazon Prime subscriptions. They also enjoy free ATM withdrawals for up to $1000 and earn 5%(active stake) and 2%(no stake).

    Winner in Unique Features

    Crypto.com is the winner. It has various features that are tailored towards giving users a good crypto trading experience.

    Digital Surge vs. Crypto.com: Cryptocurrencies Available

    Cryptocurrencies Available on Digital Surge

    Cryptocurrencies available on Digital Surge

    Digital Surge supports over 300 cryptocurrencies. Supported cryptocurrencies include Bitcoin, Ethereum, XRP, Litecoin, Dogecoin, Binance Coin, USD Coin, Matic Network, Bitcoin Cash, Avalanche, etc.

    Cryptocurrencies Available on Digital Surge

    Crypto.com users can trade over 250 cryptocurrencies. This includes Bitcoin, Ethereum, Tether, Dogecoin, Cardano, Binance Coin, Polygon, Dai, Shiba Inu, Uniswap, Hex, etc.

    Winner in Crypto Availability

    Digital Surge wins here. It supports more cryptocurrencies than Crypto.com.

    Digital Surge vs. Crypto.com: Can You Buy and Sell NFTs?

    Can You Buy and Sell NFTs on Crypto.com?

    Yes, you can buy and sell NFTs on Crypto.com, which is based on the crypto.org chain. This can be done via the Crypto.com NFT platform. The NFT marketplace enables users to participate in drops, buy, and sell NFTs. The platform supports more than 10 million NFTs in a variety of types including Art, Gaming, Sports, Celebrities, and more. Popular NFT collections like ArtBlocks, Mutant Ape Yacht Club, Bored Ape Yacht Club, etc. can be found within these collections.

    Crypto.com NFT charges a fixed market fee of 1.99% for purchasing and selling NFTs on the platform. You can also use your credit/debit card to buy NFTs directly.

    Winner in NFTs Availability

    Crypto.com wins in NFT availability. The cryptocurrency exchange offers an NFT platform while Digital Surge does not.

    Digital Surge vs. Crypto.com: Fees

    Digital Surge Fees

    Digital Surge charges the following trading fees. Their trading fees are dependent on the volume of trades per month in the Australian Dollar

    • 0.50% for trades up to $100K
    • 0.40% for trades between $100K to $250K
    • 0.30% for trades between $250K and 500K
    • 0.20% for trades ranging from $500K to $1M
    • 0.10% for transactions over $1M

    For instant buys, Digital Surge charges users 0.50% in transaction fees. Concerning deposits, Digital Surge does not charge for PayID and cryptocurrency deposits. However, it does charge for POLi deposits (from $2 to $3.30). 

    There are no associated withdrawal fees for AUD withdrawals. Crypto withdrawals attract network fees.

    Crypto.com Fees

    Crypto.com trading fees

    Crypto.com’s fee system uses a maker-and-taker model that is based on trading volume. The exchange provides trading fees discounts that decrease charges based on the amount of CRO (the platform’s native token) you hold. That said, Crypto.com does offer a complex fee structure that takes getting used to even for advanced users.

    Here’s how it works. For trade volumes greater than AUD 10,000,000 the exchange charges a 0 maker fee and a 0.0500% taker fee when you hold more than 50,000 CRO. If you trade over 10,000,000 AUD as well as hold over 10,000,000 CRO you’ll pay 0.00350% in taker fees and get a rebate on maker fees. So, your fees are determined by the amount of CRO you hold and your monthly AUD trade volume. That said, Crypto.com charges 0.00750% in fees for both maker and taker trades. This is for a monthly Spot/margin trading volume of fewer than 250,000 dollars and less than 50,000 CRO held.

    Winner in Fees

    Crypto.com wins in fees. Though the exchange offers a complex fee structure, it offers lower fees and a discount option via its native currency CRO.

    Digital Surge vs. Crypto.com: Payment Methods

    Digital Surge Payment Methods

    Digital Surge offers 3 payment methods including POLi/ bank transfer, PayID, and crypto deposits. However, Digital Surge has since filed for bankruptcy and does not accept deposits.

    Crypto.com Payment Methods

    Crypto.com offers the following payment methods for Australian investors:

    • NPP (PayID)
    • BPAY
    • Credit/Debit Card
    • Google Pay and Apple Pay

    Winner in Payment Methods

    Crypto.com easily wins in payment methods. Digital Surge exchange only offers 3 deposit options and is no longer accepting deposits.

    Digital Surge vs. Crypto.com: Security

    Digital Surge Security

    Digital Surge Security Features

    Digital Surge is regulated by AUSTRAC. It customers’ funds in both cold and hot wallets. All passwords are hashed and salted in the database. Users’ accounts are also protected with 2-Step verification.

    Crypto.com Security

    Crypto.com is regulated by AUSTRAC and licensed by the Australian Financial Service License. It is also in partnership with Ledger and incorporates Ledger Vaults

    All users’ cryptocurrencies are held in Cold storage offline. It also has a total of 750M in cold storage insurance against damage, third-party theft, and destruction.

    Winner in Security

    Crypto.com wins in security. Digital Surge was affected by the collapse of FTX and has suspended withdrawals for now.

    Digital Surge vs. Crypto.com: Earn/Staking Rewards

    Digital Surge Earn/Staking Rewards

    Digital Surge crypto exchange offers an earn program on over 12 eligible assets that allow users to earn up to 21% APY on its platform. Eligible cryptocurrencies include TRON, Kava, Flow, Polkadot, Solana, Secret, Protocol, Tezos, Cosmos, Cardano, Kusama, MATIC, Algorand, and Mina Protocol.

    Crypto.com Earn/Staking Rewards

    Crypto.com Staking rewards

    Crypto.com allows users to stake over 40 digital currencies and stablecoins. The cryptocurrency platform provides up to 12% p.a.

    Winner in Earn/Staking Rewards

    Crypto.com wins in earn/staking platforms. The Crypto.com crypto exchange supports more assets than Digital Surge.

    Digital Surge vs. Crypto.com: Usability

    Digital Surge Usability

    Currently, Digital Surge has limited usability. The cryptocurrency exchange has put restrictions on deposits and withdrawals while only permitting trading activities. That said, the exchange is built for both advanced and beginner traders.

    Crypto.com Usability

    Crypto.com is one of the best crypto exchanges for experienced traders. The exchange offers a ton of products which can get confusing to newbie users as its interface appears all over the place. However, Crypto.com does offer educational resources that’ll help users get a hang of the platform. You can use the exchange via its browser, desktop, or mobile apps for Android and iOS.

    Winner in Usability

    Crypto.com wins in usability. The exchange offers functional features, unlike Digital Surge which has currently put limitations on its usage.

    Digital Surge vs. Crypto.com: Customer Service

    Digital Surge Customer Service

    Digital Surge offers customer support via live chat. It also has a help center and a learning hub with adequate information on using Digital Surge’s website.

    Crypto.com Customer Service

    Crypto.com offers customer support via live chat and email at contact@crypto.com.

    It also has a well-equipped Help Center and a University where users can get educated on how to use the platform and navigate the crypto world.

    Winner in Customer Service

    Crypto.com wins as it offers better customer support than Digital Surge.

    Conclusion: Final Verdict

    Crypto.com wins overall. The cryptocurrency exchange offers more products like its NFT marketplace and maintains its usability. Digital Surge has financial troubles and has limited several use cases of its platform including deposits and withdrawals.

    Overall Winner

    Crypto.com wins with a 4/5 rating


    Most frequent questions and answers

    Digital Surge has stopped all withdrawals as it was affected by the FTX exchange collapse 

    The FTX cryptocurrency exchange was hacked and this affected Digital Surge which is now running on administration.

    Digital Surge is one of the crypto exchanges in Australia that was affected by the FTX collapse.

    Yes, you can swap coins on Crypto.com via the Crypto.com DeFi wallet.

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