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Crypto adoption in Australia 2019 to 2026

Adrian PrzeloznyNews

Independent Reserve Cryptocurrency Index (IRCI) Australia 2026

Now in its seventh year, the Independent Reserve Cryptocurrency Index (IRCI) 2026 is an annual cross-sectional survey of over 2,000 Australians. The research captures the perspectives of everyday Australians and is balanced across gender, age and geographic distribution. The index is rated out of 100 and designed to reflect four key aspects of Australian attitudes towards cryptocurrency: awareness, adoption, trust and confidence. The IRCI survey was conducted between 12 and 20 January 2026. The index moved from 54 in 2025 to 53 in 2026, reflecting a year of market volatility and shifting sentiment, even as institutional participation increased and regulatory oversight continued to evolve.

Promotional graphic for Independent Reserve titled “Crypto-friendly banks Australia 2025”, featuring a woman smiling at her laptop on the right and the Independent Reserve logo on a dark blue background on the left.

Ben RobertsKnowledge base

Crypto-friendly banks Australia 2026

When assessing whether a bank is crypto-friendly, consider the following factors: Allows crypto-related transactions: Does the bank allow transactions to and from cryptocurrency exchanges? Some banks restrict or flag these transactions, so choosing one that supports crypto-related activity is essential. Transaction limits: How much does the bank allow you to send to a crypto exchange per day, week, or month. Clear crypto policies: Is the bank transparent about their approach to dealing with crypto-related transactions. Payment methods: Many banks disallow credit cards from being used for crypto transactions. It’s important to consider which types of transactions they allow (i.e. PayID, EFT, debit card, credit card, SWIFT or PayPal). Tip: If you plan to transfer a larger amount of crypto, it is sometimes best to talk with your bank's relationship manager in advance. This may help mitigate concerns the bank may have about about potential scam risks or the purpose of the transfer.