¿Cuál es la forma más barata de invertir USDT en Celsius Network para australianos?

Celsius Network is a cryptocurrency staking app that allows you to stake a variety of supported cryptocurrencies in return for pre-defined returns. These returns are paid out weekly. Typical annualised returns range from a around 2-3% up to 16.49% with occasional promotions to boost returns if you receive your payouts in the Celsius Network token, CEL.

From time to time, Celsius also offers promotions where you can earn bonus rewards for investing certain cryptocurrencies for certain periods of time. One example could be investing USDT (Tether) for 30 days in order to get a bonus of USD $20 paid out in USDT using the Celsius promo code: USDT20. (Promo code is current as at the time of writing).

As with any investment, I want to get the best bang for my dollar and keep fees to a minimum, and that can be a challenge when investing from Australia. AUD is not widely traded on cryptocurrency exchanges, and many exchanges do not yet have fee-free bank transfer options available (eg Coinbase). Celsius does not have a fee-free way to invest AUD either and the fees to invest directly in the Celsius app using a credit or debit card can be quite substantial.

At the time of writing, USDT/Tether is also not available for purchase directly on the Celsius app, so in this article I’m going to find out what the cheapest way is to purchase USDT and invest it on the Celsius Network.

If you don’t already have an account with the Celsius Network, sign up using my referral code to get a bonus of USD $20 paid into your account in Bitcoin once you transfer USD $200 or more in crypto and hold it in your Celsius wallet for 30 days. Sign up here with my referral link and make sure to enter my referral code.

Código de referencia de la red Celsius: 1255999311

Please note, this article will be evolving as I continue to explore other ways of buying USDT with AUD and sending it to Celsius.

Methodology

In order to calculate the best value, I’ve chosen a total investment of AUD $100.00. I chose AUD $100 so it would be easier to calculate percentages.

I’ve then reviewed each payment option based on a total investment including all fees of AUD $100.00 to identify which option comes out on top.

I have chosen the value of AUD to USDT at the time of article writing to calculate conversion rates and subsequent costs. This value will vary.

So, for our calculations, $1 AUD buys 0.76316 USDT.

Investing larger amounts may save you money in some methods as they charge flat fees. I’ve noted this in the relevant options

Option 1: Binance

Binance is a popular cryptocurrency exchange. If you are new to Binance, you can get a 10% fee kickback on trades using my referral link to sign up here. You can also enter my referral code during the sign up process.

Binance referral code: D7J2UAE7

Deposit Fees

Binance offers free AUD deposits using instant PayID transfers and direct conversions from AUD to USDT. In other words, you don’t need to exchange to an intermediary cryptocurrency first and pay two sets of exchange fees.

So I’ve gone ahead and deposited AUD $100.00 into my Binance spot wallet. No fees so far.

Trading/Exchange Fee

You do, however, have your exchange fees. You can find the full Binance fee schedule for trades here. I’m going to make the assumption that most people reading this article will be trading at VIP Level 0. This means you pay a 0.1% maker or taker fee. If you hold enough BNB in your account to pay the trade fees then you pay a discounted 0.075%. If you have also signed up using my referral link, then you will get a further 10% fee kickback making your trading fee 0.0675%.

You can also get greater discounts by holding more BNB in your Binance exchange wallet.

Tarifas de negociación de Binance

So, based on an 0.0675% trading fee, at the time of writing, I would expect to expend AUD $0.0675 to purchase USDT, giving me an equivalent AUD amount of $99.9325. So far, so good.

Based on our 0.76316 USDT value, that gives us 76.26449 USDT.

Withdrawal Fee

Binance charges a flat fee for USDT withdrawals along with applying a minimum withdrawal amount. Celsius uses an ERC20 wallet so the minimum withdrawal is currently 6 USDT and the fee is 3 USDT.

Tarifas de retiro de Binance

A 3 USDT withdrawal fee equates to a 3.935% fee (after rounding to 3 decimal places). Not too bad, but being a flat fee, the more we transfer at once, the lower this fee percentage becomes.

For example, if we doubled our initial buy, its 1.967% (after rounding). Or, if our initial buy was AUD $1000, all of a sudden this fee is 0.3935% instead.

Amount Received in Celsius

Based on our initial AUD $100 deposit, this results in 73.26449 USDT being deposited to our Celsius Network wallet.

Our total fees are approximately 4.0025%, reducing based on increased deposit.

Based on a AUD $1000 deposit, our total fees would be approximately 0.461% which is pretty good.

Option 2: Crypto.com App

The Crypto.com App is the custodial wallet that forms part of the Crypto.com ecosystem. If you are new to the Crypto.com App, you can get a USD $25 bonus paid in CRO when you stake 2500 CRO in the Crypto.com App to order a metal Crypto.com debit card by using my referral link to sign up here or by entering my Crypto.com referral code when you signup.

Crypto.com referral code: h9tfssdd364

Deposit Fees

The Crypto.com App offers free AUD deposits using instant PayID transfers and direct conversions from AUD to USDT. In other words, you don’t need to exchange to an intermediary cryptocurrency first and pay two sets of exchange fees. It’s also nice that you don’t need to send funds to the exchange.

Tarifa de transferencia bancaria de la aplicación Crypto.com

So I’ve gone ahead and deposited AUD $100.00 into my Crypto.com App wallet. No fees so far.

Trading/Exchange Fee

The fiat to crypto purchase fees are unclear and are not actually listed in the fee schedule. They only list crypto to crypto exchange or debit/credit card purchase. However, testing this out, I noted 0 fees on exchanging AUD deposited via PayID to USDT. You can check the current fee schedule in the settings section of the Crypto.com App.

Tarifa de intercambio de aplicaciones de Crypto.com

Based on our 0.76316 USDT value and no conversion fee, that gives us 76.316 USDT.

Yay, no fees!

Withdrawal Fee

From the Crypto.com App, there is a flat fee for USDT withdrawals along with a minimum withdrawal amount.

The withdrawal fee is currently 3 USDT.

Cargo por retiro de USDT de la aplicación Crypto.com

The minimum withdrawal amount is currently 10 USDT.

Monto mínimo de retiro de Crypto.com USDT

With a 3 USDT withdrawal fee, this works out the same way as Binance withdrawals and equates to a 3.935% fee (after rounding to 3 decimal places). Since this is a flat fee, the more we transfer at once, the lower this fee percentage becomes.

For example, if we doubled our initial buy, its 1.967% (after rounding). Or, if our initial buy was AUD $1000, all of a sudden this fee is 0.3935% instead.

Amount Received in Celsius

Based on our initial AUD $100 deposit, this results in 73.316 USDT being deposited to our Celsius Network wallet.

Our total fees are approximately 3.935%, reducing based on increased deposit amounts being transferred.

Based on a AUD $1000 deposit being sent from our Crypto.com App wallet, our total fees would be approximately 0.3935% which is pretty good.

A note on the Crypto.com Exchange

You can also send USDT from the Crypto.com Exchange to your Celsius wallet. However, you cannot trade AUD directly on the Crypto.com Exchange. If you exchange another coin for USDT, or if you are holding USDT on the Crypto.com Exchange then you can send that USDT directly from your exchange spot wallet to your Celsius wallet with the same fees as if you were sending it from the Crypto.com App.

If you do need to exchange another coin for USDT, Crypto.com currently has a 100% fee rebate if you pay your trading fees in CRO for VIP1 tier traders (those who have staked at least 5000 CRO on the exchange and have a 30 day trading volume of less than USD $250,000) and you are trading as a taker (someone who places an exchange order at market price that gets filled immediately). A 100% fee rebate represents excellent value and is one of the reasons I use and recommend the Crypto.com exchange.

If you are not already using the Crypto.com Exchange, signup using my referral link to earn a bonus USD $50 paid in CRO when you stake 5000 CRO on the Crypto.com Exchange (which is currently earning 10% APR).

Other options (unsupported)

También he explorado estas opciones, sin embargo, o no son compatibles con USDT o no son compatibles con AUD y, por lo tanto, las descarté como opciones.

Aplicación de red Celsius

The Celsius Network App actualmente no admite la compra de USDT directamente desde la aplicación. Según las tarifas estándar para otras compras de criptomonedas en la aplicación, estas probablemente serían demasiado altas para justificar su uso para comprar USDT con AUD.

Si no tienes un Celsius Network cuenta, regístrese usando mi código de referencia para obtener un bono de USD $20 pagado en su cuenta en Bitcoin una vez que transfiera USD $200 o más en criptografía y manténgalo en su billetera Celsius durante 30 días. Sign up here with my referral link and make sure to enter my referral code.

Código de referencia de la red Celsius: 1255999311

Coinbase

I actually really like Coinbase, and you can get USD $10 paid in Bitcoin when you buy or sell USD $100 in crypto on their platform after signing up with my referral link. However, Coinbase no es compatible con USDT en el momento de escribir este artículo, por lo que tuve que descartarlos.

If you are interested in getting the Coinbase signup bonus, you can regístrate usando mi enlace de referencia aquí y asegurarme de que mi código de referencia se ingrese durante el proceso de registro.

Coinbase referral code: brown_dtz

Otras opciones (aún por investigar)

Hay otras opciones que aún no he investigado.

Estas opciones incluyen:

  • AAX
  • Luno
  • HitBTC
  • FreeWallet
  • Defender
  • Más…

Actualizaré este artículo con mis comparaciones sobre estas opciones, ya que tengo tiempo para investigarlas, además de otras. Si hay una plataforma específica que le gustaría que investigara, hágamelo saber en los comentarios, la agregaré a la lista y la haré lo antes posible.

¡Y el ganador es!

Crypto.com App!

Con una tarifa plana de retiro de 3 USDT, Crypto.com se vuelve más barato cuanto más retires en tu billetera Celsius.

The Crypto.com App beats out Binance because there are no exchange or trade fees, only a withdrawal fee. There really isn’t a lot between these two platforms as their withdrawal fees are the same. However, the Binance exchange fee costs it equal place! If you do opt for Binance though, make sure to usa mi enlace de referencia para ahorrarse 10% en tarifas comerciales.

Obtenga la aplicación Crypto.com aquí.

No olvide usar mi código de referencia: h9tfssdd364

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