Htx vs Swyftx: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Htx and Swyftx This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 16, 2025

Htx

Swyftx

⚠️ We look for what’s best for you.

₿ Getting into crypto? With eToro you can start in minutes: buy/sell top coins, set recurring buys, track markets, and use Social/CopyTrader features.

👉 Start here and explore the crypto offer.

Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

United Kingdom

United States

Europe

Latin America

India

China

Canada

United Kingdom

Thinking about starting with crypto? This is for you.

In select regions, eToro offers a $10 welcome bonus when you open an account today.*

🎯 An account built to help you start with crypto—without the hassle.

➕ Buy and sell top cryptocurrencies in minutes

➕ Recurring buys, price alerts, and advanced charts

➕ Social/CopyTrader™ to follow experienced investors

➕ One of the largest and most trusted platforms worldwide

Limited-time promotion — still available.

*Offer subject to terms, eligibility and regional availability. Don’t invest unless you’re prepared to lose all the money you invest.

Htx is ideal if:

A wide trading toolkit for all levels – HTX serves both beginner and advanced users with spot, margin, futures, copy-trading, automated bots, and staking features, offering real flexibility for growth.
Consistently deep liquidity and broad token access – With over 700 cryptocurrencies and hundreds of trading pairs—including fiat support and various passive income options—it’s great if you want choice and market depth.
Security and transparency at its core – Offering live cold storage, proof-of-reserve commitments, 2FA, withdrawal controls, and regulatory alignment across key regions ensures a secure trading environment you can trust.

Swyftx is ideal if:

Great for beginners and casual traders — Swyftx’s intuitive interface, demo mode, and educational incentives (like Learn & Earn) make it easy to get started with confidence.
Well-suited for Australian and New Zealand users — Built specifically for local fiat (AUD/NZD) usage and regulatory environments, offering seamless deposits and tax tools.
Less ideal for advanced traders — Lacks margin, futures, and derivatives options that experienced or professional traders often require.

Htx isn’t ideal if:

Limited regional access – HTX is unavailable in key markets like the United States, Canada, UK, China, and others, restricting access for traders in many major territories.
Not beginner-friendly – The platform’s advanced interface and rich feature set can overwhelm newcomers who prefer a more intuitive, streamlined onboarding experience.
Customer support delays – Some users report slow response times and limited fiat withdrawal options, which can impact trading during urgent situations.

Swyftx isn’t ideal if:

You need advanced or professional trading tools — Swyftx lacks margin, futures, derivatives, copy-trading, and staking features.
You trade niche, low-liquidity assets — Some rare tokens may show limited functionality or suffer from low liquidity, leading to higher slippage.
You’re outside Australia/New Zealand — Availability is currently restricted to those regions, so international users won’t have access.

Fees & Total Costs

Spot Maker/Take

HTX uses a tiered “Prime” structure where both maker and taker fees start around 0.20 % at the entry tier and progressively fall to near zero (maker) and a few hundredths of a percent (taker) at the top tiers; holding the native HT token offers an extra discount on spot taker fees via applied HT deduction.

Swyftx employs a unified spot fee structure—maker and taker are the same—and those rates decrease automatically with higher 30-day AUD trading volumes, starting from a standard tier and improving with volume tiers.

Futures/Derivatives

Futures contracts (USDT- or coin-margined) begin with maker fees around 0.02 % and takers around 0.05–0.06 %, improving with higher-tier status—even offering negative maker fees at top levels—while funding isn’t a direct HTX charge but rather settled among traders according to position and the prevailing funding rate.

Futures, margin, and derivatives trading are not available on Swyftx, so there are no maker/taker or funding costs to consider.

Average Spreads on Liquid Pairs

HTX reports tight spreads on major pairs like BTC/USDT and ETH/USDT; spreads tend to remain narrow thanks to deep liquidity, though exact percentages aren’t published—indicative of competitive conditions.

While Swyftx doesn’t list exact spread figures in long-term terms, publicly reported estimates suggest moderately tight spreads for major pairs, suitable for straightforward spot trades without deep order-book advantages.

Fiat Deposits & Withdrawals

Fiat can be deposited or withdrawn via common methods (like bank transfers or cards) with fees and processing times varying by method and region; details are available in the platform’s fiat interface, but HTX tends to streamline these operations for ease of use.

Users in Australia and New Zealand can deposit using bank transfer, PayID, card (via Stripe or Banxa), with zero platform fees for AUD transfers—though third-party or card premium spreads may apply—while NZD withdrawals incur a flat local fee; processing times are standard regionally.

On-chain Withdrawals

Crypto withdrawals on HTX incur network (mining) fees specific to each blockchain (e.g. BTC, ETH, TRX), dynamically reflecting network conditions rather than fixed, flat charges.

Crypto withdrawals incur only the blockchain’s network fee, which is dynamic and set by the network (not Swyftx), and varies per asset and congestion levels across BTC, ETH, TRX networks, etc.

Hidden Costs

Beyond trading and network fees, there may be supplemental costs such as currency conversion margins when using non-supported fiat, possible inactivity penalties, or optional express–KYC surcharges, depending on region or promotion—users should review account settings for those.

Swyftx does not charge inactivity fees; users may face third-party conversion or card provider spreads, and while there’s no express KYC charge, any expedited services would depend on external verification services.

Real-World Cost Example: “€500 BTC

If you purchase €500 worth of BTC, your total outlay would include a spot taker fee (e.g. ~0.20 %), plus the implied buy-side spread, and on-chain withdrawal would add the relevant network fee—so the net BTC received would reflect those combined, though precise numbers depend on market and network conditions at execution.

If you were to buy roughly the equivalent of €500 worth of BTC via AUD (via conversion), the total cost would comprise the spot trading fee (based on your tier), any AUD conversion or card spread, and then the network fee when withdrawing on-chain—all combined into a seamless composite cost, without separate hidden charges.

Crypto Offering & Trading Features

Number of Coins & Pairs

HTX lists over 700 digital assets (some sources suggest over 1,000, though officially it’s 700+) and supports hundreds of trading pairs; the top 20 by volume typically include heavily traded pairs like BTC/USDT, ETH/USDT, XRP/USDT, and other high-liquidity altcoin-USDT combinations, reflecting mainstream market interest.

Swyftx offers over 440 cryptocurrencies across a wide variety of trading pairs, including all major BTC, ETH, and AUD combinations—so top-20 volume pairs are fully covered while smaller altcoins also enjoy strong representation.

Product Range

HTX delivers a robust suite

The platform focuses exclusively on spot trading and provides features like crypto bundles and auto-invest (akin to DCA), but it does not support margin, futures, options, ETFs, staking/earn, loans, copy-trading, or grid bots.

Liquidity

HTX maintains high liquidity with daily volumes in the multi-billion-dollar range (for example, around $5.4 billion in one snapshot), offering strong order-book depth in BTC and ETH pairs—meaning large trades face minimal slippage—though depth metrics fluctuate with market behavior.

Swyftx delivers solid liquidity on popular BTC and ETH pairs via a broker model; while exact 24-hour figures and depth aren’t disclosed, spreads are reported as tight and competitive for seamless basic spot execution.

Tools

Traders can access advanced tools such as limit orders, stop-limit, OCO orders, along with real-time alerts, sophisticated charting (including TradingView-style analysis), and full API/WebSocket support—ideal for both hands-on and automated strategies.

Swyftx offers limit, stop, and recurring (trigger) orders, full TradingView charting, auto-invest capabilities, market alerts, and an API for automated access—yet no native trading bots or OCO functionalities are noted.

Geographic Restrictions by Product

Derivatives, such as futures and options, are not available in certain jurisdictions—examples include the UK (retail users), Spain, Taiwan, China, and others—so availability varies significantly by country and regulation.

As of now, Swyftx is available only in Australia and New Zealand, and it does not offer any advanced derivatives, lending, or leveraged products to users in any region.

Innovation

HTX embraces innovation with mechanisms like Launchpool (dual rewards for staking HTX tokens) and both flexible and fixed-term staking options, enabling creative earning paths for users engaging with new tokens or tapping liquidity.

The platform stands out with its auto-invest (simplified DCA), crypto bundles, self-managed super fund (SMSF) support, demo mode, and educational rewards—but it does not currently offer launchpads, flexible vs locked earn programs, or similar promotional yield features.

Security, Regulation & Custody

Operating Entity & Jurisdiction

HTX originated in China in 2013 but is now legally based in the Republic of Seychelles, with additional offices or operations in locations like Hong Kong, South Korea, Japan, and previously the U.S., reflecting its international setup reshaped by evolving regulatory environments.

Swyftx Pty Ltd, established mid-2010s, headquartered in Milton, Brisbane, Australia.

Licenses/Registration

HTX holds multiple regulatory approvals including a Virtual Asset Service Provider registration in Lithuania, a DLT license in Gibraltar, a VARA license in Dubai, a SIBA investment business license in the BVI, AUSTRAC registration in Australia, and permission for payment and remittance services in parts of South America—demonstrating ongoing efforts toward regional legal compliance.

Fully registered with local AML/CTF authorities in Australia and New Zealand, subject to regular audit under respective national frameworks.

Custody

HTX uses its own custody infrastructure and has implemented a Merkle-Tree–based Proof of Reserves system that publicly verifies 1

Assets are split between hot and cold storage under Swyftx’s custodial control; they operate with a full 1

Insurance & Protection Funds

HTX maintains a Security Reserve Mechanism that sets aside a substantial BTC reserve—reportedly around 20,000 BTC—to help compensate users in the unlikely case of a breach, providing an added layer of protection against potential losses.

No publicly listed third-party insurance or protection fund is offered by Swyftx at this time.

Incident History

While HTX hasn’t had major publicized hacks recently, its history includes structural changes like being removed from the Seychelles crypto exchange register and a prior license revocation in Thailand—illustrating some regulatory and administrative challenges in its past.

There are no reported hacks, major service suspensions, fund freezes, or regulatory fines recorded for the platform to date.

Risk Controls

HTX emphasizes robust account security through features like two-factor authentication (2FA), address whitelisting, anti-phishing tools, structured sub-accounts, and granular API permissions—allowing fine-tuned control and protecting users from unauthorized access.

Robust safeguards include optional two-factor authentication, biometric login, breached-password detection, least-privilege internal architecture, anti-phishing guidance, and wallet whitelisting processes for withdrawals.

Transparency

HTX publishes regular (monthly) Proof of Reserves reports and claims that users can verify their own assets via Merkle-root tools; however, it does not appear to offer public wallet addresses, comprehensive monthly financial statements, or formal service-level guarantees like an SLA.

Swyftx maintains ISO 27001 certification for information security management, employs ongoing third-party audits, and enforces a 1/1 asset model—but does not publish user-specific monthly reserve reports or transparent SLAs publicly.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

HTX accepts fiat deposits via bank transfers (e.g., SEPA), cards (Visa/MasterCard), e-wallets (Advcash), PIX, UPI, etc., with minimum amounts generally starting around €10 or equivalent depending on currency, and processing times ranging from a few minutes to a business day, depending on method and region.

Users in Australia can deposit via bank transfer (instant with Osko or 2–3 business days otherwise), PayID (usually instant), card through Stripe (instant) or Banxa (30–45 minutes). Bank transfers include no minimum, Stripe has a ~AUD 30 minimum, Banxa starts at ~AUD 91, and PayID has no set minimum; each channel’s limits vary, and timing and third-party provider fees apply.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

HTX offers account usage without KYC but limits certain actions like withdrawals; completing basic and advanced KYC quickly unlocks substantially higher daily limits (even up to multiple BTC), with level-up requiring ID documents and, for higher tiers, a live face check or investment capability assessment.

The platform uses a tiered verification system—Basic (Gold) for standard functionality and Diamond for higher limits—unlocking higher deposit and withdrawal caps when fully verified.

Withdrawals

limits, timing & networks

Fiat withdrawals in AUD and NZD are via bank transfer, with minimums of AUD 4 or NZD 30, daily totals up to ~AUD/NZD 50,000 (increasable with advanced KYC), and processing times from minutes (Osko) up to 10 business days. Crypto withdrawals require network confirmation, have dynamic network fees, and Swyftx deducts only the blockchain fee—not extra platform charges.

Customer Support

HTX provides customer assistance via 24/7 live chat, email support, and an extensive FAQ/knowledge base; response times vary but live chat ensures faster handling while the help center offers self-serve guidance across common topics. (No specific data found; this is based on typical platform structure.)

Swyftx provides 24/7 support via live chat, email, and phone, with access to a well-developed knowledge base and chatbot. Response times are typically fast, often within minutes for live chat.

Languages & Localization

The platform is primarily in English but also supports local language interfaces depending on region; fiat amounts and fees display in currency local to the user (e.g., €/USD), with regulatory prompts and guidance tailored to supported jurisdictions. (Platform behavior inferred from multilingual support practices.)

The platform is optimized for English-speaking users in Australia and New Zealand, showing balances and fees in AUD/NZD—with local regulatory alignment and no native display options for other fiat currencies.

App Quality & Stability

HTX’s mobile app is regularly updated and generally delivers stable performance. Although specific crash-rate metrics aren’t disclosed publicly, user reviews suggest it remains reliable, with frequent updates ensuring bug fixes and feature enhancements.

Swyftx’s app (iOS and Android) offers biometric security, TradingView charting, seamless trade functionality, and consistent updates; it holds high user ratings and is noted for a polished, stable experience.

Experience, Performance & Ecosystem

UX/UI

HTX offers a dual-mode interface—“Lite” for faster, simplified navigation ideal for newcomers, and “Pro” for advanced users who need comprehensive trading dashboards and customization; this tiered approach smooths the learning curve by letting traders start simply and progressively explore deeper functionality.

Swyftx offers a highly intuitive interface with customizable dashboards on both app and web; though it doesn’t use explicit “Lite/Pro” modes, the layout adjusts seamlessly from beginner to more advanced users by adding/removing widgets and choosing preset layouts.

Performance

Recent platform updates report a 20% boost in transaction efficiency thanks to UI refinement, reducing delays during order execution; while there’s no widespread evidence of system outages during volatility spikes, we should note that KYC verification can experience delays during market surges, as increased registrations lengthen processing queues.

Order execution on Swyftx is fast and stable, even during busy periods—while explicit latency or downtime figures aren’t disclosed, user reviews frequently highlight swift reactions and minimal disruptions under volatile market conditions.

Education

HTX maintains a Learn & Earn educational track with interactive lessons and quizzes (previously tied to CrossFi projects), though there’s no dedicated demo trading simulator; while core materials are in English, there’s growing on-platform educational content, but supports for Spanish learners appear limited at this time.

Swyftx delivers a robust learning ecosystem with its “Swyftx Learn” portal featuring courses and quizzes, plus a fully functional demo mode with USD $10,000 in mock funds to practice trading—all tools aimed at reinforcing confidence before live trading.

Community

HTX fosters an active presence across official Telegram channels (English, Portuguese, Chinese), and maintains a Discord server for futures traders, encouraging peer support and platform discussions; referral incentives further engage users, though traditional web‐forum communities seem less prominent.

The exchange supports a referral program where both parties receive rewards after sign-up and KYC completion, while maintaining active presence across forums, Discord, Telegram, and social platforms to cultivate its community and engagement.

Integrations

The platform supports native TradingView-style charts and full API/WebSocket connectivity, enabling integration with external trading bots and strategies; although there’s no direct accounting or tax tool within HTX, the open integration ecosystem lets users adapt third-party portfolio trackers for their record-keeping.

Swyftx integrates TradingView for advanced charting, offers API access for automation, and includes tax-report tools; while it doesn’t directly support third-party bots, its ecosystem facilitates DCA setups and portfolio tracking.

Who Each One Is Best For

HTX is highly suitable for intermediate to advanced crypto enthusiasts—those who appreciate interface flexibility, deep liquidity, and integration options—while casual or non-English speakers may find it less approachable, and Spanish-speaking beginners may need external educational support.

Swyftx works best for beginner to intermediate traders in Australia and New Zealand who value simplicity, educational support, and local fiat integration—less ideal for advanced traders seeking derivatives, margin products, or global access.