Buy crypto with PayNow, FAST or SWIFT bank transfer

Securely invest in digital assets using your bank account on Singapore’s trusted cryptocurrency exchange.

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Independent Reserve, Bitcoin and cryptocurrency exchange Singapore

How to buy crypto using a bank account

  • 1. Create your account

    Securely create your personal or business account and verify your identity.

  • 2. Deposit funds

    Instantly deposit SGD using PayNow or FAST, and USD through SWIFT.

  • 3. Start investing

    Buy, sell and track your crypto portfolio on your desktop or mobile device.

Create your account

Explore our features

  • Buy and sell crypto

    You have simple and advanced ways to buy and sell Bitcoin. Trade using the order book, website, mobile app or the API.

    Buy and sell crypto

  • Portfolio tracking

    Track your portfolio in real-time using the web portal or on your mobile app.

  • Dollar-cost averaging

    Automate your crypto investments with strategies that allow you to dollar-cost average (DCA).

  • Multi-currency trading

    Buy and sell Bitcoin and other popular cryptocurrencies with SGD or USD.

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Frequently asked questions

How do I deposit using PayNow or FAST?
Are there any limitations when it comes to using bank transfers?
Are there fees for buying crypto with bank transfers?
Are there fees for buying crypto with USD bank transfers?
Which currencies can I deposit using bank transfers in Singapore?
Can I withdraw SGD to my bank account?
How to buy Bitcoin using bank transfers in Singapore?

Securely manage your portfolio on the go

Buy, sell and manage your crypto safely anywhere, anytime with the Independent Reserve app.

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Independent Reserve crypto exchange mobile app

Why choose Independent Reserve?

Doing things the right way is our core principle. Our board of directors, advisers and management team bring decades of experience in regulation, traditional finance, risk management and IT security.

Audited and licensed

We are licensed by the Monetary Authority of Singapore (MAS).

We engage independent external auditors to undertake an annual audit of our financial statements as required by MAS. This includes verification of all fiat and crypto balances held in custody on behalf of clients.

Secure

We’ve built world-class operational systems to secure your data and crypto: two-factor authentication, email alerts, and encryption. We conduct regular penetration testing to ensure the integrity of our systems.

Segregated funds

Our customer funds are held separately from our company’s operational funds. We just hold it for when you need it.

ISO 27001 certified

ISO 27001 is a globally recognised security management certification. It demonstrates that our people, processes, tools, and systems adhere to a globally recognised standard.

24/7 support

Whether you’re a novice or an expert, if you need assistance, our dedicated team is here to help you 24/7.

Reliable banking

Your fiat funds are safeguarded with DBS. Deposit and withdraw SGD in seconds via FAST/MEPS and USD via SWIFT.
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We’re certified
ISO27001 Certified Company
We’re members of
Access industry member Blockchain Association Singapore Singapore Fintech Association Financial Markets Association of Singapore
© 2025 Independent Reserve SG PTE. LTD | UEN 201942383Z Major Payment Institution License No. PS20200517

Independent Reserve SG Pte. Ltd. holds a Major Payment Institution License (License Number: PS20200517) for providing Digital Payment Token Services under the Payment Services Act 2019.

RISK WARNING ON DIGITAL PAYMENT TOKEN SERVICES

The Monetary Authority of Singapore (MAS) requires us to provide this risk warning to you as a customer of Independent Reserve. Before you pay Independent Reserve any money or DPT, you should be aware of the following.

1. Independent Reserve is licensed by MAS to provide DPT services. Please note that this does not mean you will be able to recover all the money or DPTs you paid to Independent Reserve if our business fails. 2. You should be aware that MAS does not supervise or regulate Independent Reserve for the provision of unregulated services. This includes any service of trading digital payment token derivatives such as futures. 3. You should not transact in the DPT if you are not familiar with this DPT. This includes how the DPT is created, and how the DPT you intend to transact is transferred or held by Independent Reserve. 4. You should be aware that the value of DPTs may fluctuate greatly. You should buy DPTs only if you are prepared to accept the risk of losing all of the money you put into such tokens. 5. You should be aware that Independent Reserve, as part of its licence to provide DPT services, may offer services related to DPTs which are promoted as having a stable value, commonly known as “stablecoin”.