Surfshark VPN Review: Multi-Layered Security for Smart Investors

Surfshark allows unlimited device connections under one subscription, which makes it practical for traders running multiple setups. Its Nexus technology keeps rotating your exit IP in the background without interrupting your connection, making it harder for anyone to track your activity. Two Deloitte audits confirm its no-logs policy and it is priced lower than most premium competitors.

In a world where digital privacy costs more each year, Surfshark stands out by offering premium VPN protection without the premium price tag. This is especially appealing for cryptocurrency traders who need strong security but might be working with smaller portfolios. In this review, we will examine how Surfshark performs in 2026 and whether its affordable price means cutting corners on the features that matter most. Let’s take a look:

What is Surfshark?

Surfshark launched in 2018, making it one of the newer VPN providers in an industry dominated by decade-old brands. Despite being relatively young, the company quickly gained attention by offering premium features at significantly lower prices than its competitors. The service is headquartered in the Netherlands, which places it within the Nine Eyes intelligence-sharing alliance. However, Surfshark operates under a strict verified no-logs policy, meaning the jurisdictional concern becomes theoretical since there is no user data to share even if requested.

In 2022, Surfshark merged with Nord Security, the parent company of NordVPN. Both brands continue to operate independently, with separate infrastructure to date. The merger gave Surfshark access to the security research of Nord Security while maintaining its identity as the budget-friendly option.

How Surfshark Protects Your Data

Surfshark uses AES-256-GCM encryption, the same military-grade standard employed by financial institutions worldwide. When you connect to a crypto exchange through Surfshark, your trading activity, login credentials, and API keys are wrapped in this encryption layer, making interception by malicious actors practically impossible.

Connection Protocols

Surfshark offers three main protocols, each optimized for different use cases:

• WireGuard: This is the newest and fastest protocol available. It uses modern cryptography to deliver speeds that retain 80-95% of your baseline internet connection speed. For crypto traders executing time-sensitive orders during volatile market conditions, WireGuard's minimal latency can prove quite useful. This is Surfshark's recommended protocol for daily trading.
• OpenVPN: The industry-standard protocol that has been battle-tested for years. OpenVPN is open source, allowing independent security experts to audit the code. It comes in two versions: UDP for speed and TCP for reliability. TCP is particularly useful when accessing exchanges on unstable connections where guaranteed packet delivery matters more than raw speed.
• IKEv2/IPsec: Designed specifically for mobile devices. If you monitor your portfolio or execute trades while commuting, IKEv2 automatically reconnects your VPN when switching between Wi-Fi and cellular networks without manual intervention. This prevents exposure gaps that could leak your real IP address to exchanges.

Surfshark also includes Camouflage Mode, which disguises VPN traffic as regular HTTPS connections. For crypto traders in regions with VPN restrictions, this makes it impossible for ISPs to detect VPN usage through deep packet inspection.

Is Surfshark Good for Crypto Trading?

Yes, absolutely. Cryptocurrency transactions cannot be reversed once confirmed on the blockchain, which makes security failures permanent and financially catastrophic. If a hacker intercepts your exchange login or gains access to your wallet during an unprotected session, there is no customer service department that can undo unauthorized blockchain transactions.

When you connect to an exchange through Surfshark, the platform sees the VPN server's IP address instead of your real location. This prevents targeted attacks. If you are checking portfolios on airport Wi-Fi or trading from a coffee shop, Surfshark encrypts all data, making credential interception impossible.

Surfshark includes CleanWeb, an integrated ad blocker and malware shield. For crypto users targeted by phishing campaigns mimicking popular exchanges, CleanWeb blocks these malicious sites automatically with a database of over 1 million threat URLs that updates constantly.

Specialized Security Features

Beyond core VPN encryption, Surfshark provides several advanced features specifically valuable for users handling cryptocurrency and trading accounts.

Kill Switch Protection

The Kill Switch is essential for crypto traders. If your VPN connection drops while you are logged into an exchange or moving funds, the Kill Switch immediately blocks all internet traffic, preventing your real IP from being exposed. Without this protection, even a brief dropout could compromise your location and identity.

MultiHop (Double VPN)

For traders handling large positions or operating in high-risk jurisdictions, Surfshark offers MultiHop. This routes connections through two VPN servers in different countries, creating double encryption. While MultiHop reduces speeds slightly, it provides maximum anonymity for high-stakes cryptocurrency operations. However, jumping between different server locations while using the same exchange can be tricky and cause complications.

Nexus Network Technology

Surfshark's Nexus architecture is unique in the VPN industry. Unlike traditional VPNs connecting to a single server, Nexus connects you to an entire server network. The IP Rotator periodically changes your exit IP without disconnecting, making tracking nearly impossible. The IP Randomizer assigns different IPs to each new connection. For crypto traders concerned about sophisticated tracking, Nexus provides protection that few competitors offer at any price.

Bypasser (Split Tunneling)

The Bypasser feature allows selective routing. You can configure specific applications or websites to bypass the VPN while keeping everything else encrypted. This is useful if you have a banking app that blocks VPN connections or need to access local network devices. However, for cryptocurrency trading, you should never route exchange traffic through Bypasser since that traffic would travel unencrypted outside the VPN tunnel.

Server Network and Performance

Surfshark operates over 4,500 servers across 100 countries. This geographic diversity is crucial for crypto traders who need reliable connections to use exchanges across different regulatory jurisdictions. Having servers in 100 countries provides flexibility in choosing locations with crypto-friendly regulations and clean IP addresses.

RAM-Only Server Infrastructure

All Surfshark servers run exclusively on RAM with no hard drives. Every server reboot completely wipes all data. For crypto traders, this provides important security. Even if a server were physically seized, there would be no historical logs of trading sessions to recover.

Speed testing shows minimal performance impact with WireGuard. Most users experience only 5-20% speed reduction. For crypto traders needing fast order execution, this minimal latency ensures VPN protection does not interfere with trading.

Privacy Policy and Independent Audits

Surfshark's no-logs policy has been independently verified by Deloitte in 2023 and 2025. These audits confirmed that Surfshark does not store IP addresses, browsing history, or connection timestamps. For crypto traders, these verifications provide confidence that Surfshark cannot hand over trading data because that data does not exist.

Streaming and Everyday Use

While cryptocurrency security drives most VPN purchase decisions for traders, Surfshark functions equally well as an all-purpose privacy tool. The service successfully unblocks major streaming platforms across different regions. In testing, Surfshark reliably accessed multiple Netflix libraries, including the US, UK, and Japan catalogs. The service also works with Disney+, Amazon Prime Video, and Hulu without manual server configuration. However, some users have reported that they had to change servers manually as some streaming services do not work on the initially selected server. This is common across all VPN providers as streaming platforms continuously update their VPN detection systems.

Surfshark's fast streaming speeds while maintaining encrypted trading connections mean you do not need separate VPN subscriptions. The WireGuard protocol delivers sufficient bandwidth for 4K streaming without buffering, even when simultaneously connected to exchange APIs. If a particular server does not work with your preferred streaming service, simply switching to another server in the same country typically resolves the issue within seconds.

User Interface and App Experience

Surfshark's app interface remains consistent across Windows, macOS, iOS, and Android. The dashboard displays connection status, current server, and active features like Kill Switch or CleanWeb at a glance. Connecting requires a single click on "Quick Connect," which automatically selects the fastest server based on your location.

For manual server selection, the location list organizes servers by country with search and favorites. You can mark frequently-used trading servers for instant access. The app displays server load percentages, helping you avoid congested servers that might slow trading operations. Advanced settings let you switch protocols or configure Bypasser without requiring technical knowledge.

Unlimited Device Connections

Surfshark allows unlimited simultaneous device connections. Most competitors limit you to 5-10 devices. For crypto traders who monitor markets across multiple devices or run trading bots on dedicated machines, this unlimited policy provides exceptional flexibility. You can protect your trading workstation, laptop, smartphone for price alerts, tablet for portfolio monitoring, and home router to secure your entire network.

This benefit extends beyond device count. Many traders run multiple virtual machines or containerized environments for different strategies. With unlimited connections, you can secure each environment without hitting device limits or disconnecting inactive sessions.

Is Surfshark VPN Free?

No, Surfshark VPN is not a free service. Unlike free VPNs that often make money by logging and selling user data or showing intrusive advertisements, Surfshark operates on a paid subscription model to maintain its security infrastructure and verified no-logs policy. However, the service offers a 30-day money-back guarantee on all plans, allowing you to test all features risk-free. A 7-day free trial is also available for mobile users.

Pricing and Subscription Plans

If you are wondering how much is Surfshark VPN, the cost depends on the billing cycle you choose. Surfshark offers three plans: Starter, Surfshark One, and Surfshark One+. Each plan is available on monthly, 12-month, and 24-month billing cycles. The longer the commitment, the lower the effective monthly cost.

Monthly Plans

The monthly option is best for short-term use or testing the service. Starter costs $15.45/month, Surfshark One costs $17.95/month, and Surfshark One+ costs $20.85/month.

12-Month Plans

Annual plans offer better value for long-term users. Starter costs $3.19/month (billed at $47.85 for 15 months), Surfshark One costs $3.39/month (billed at $50.85 for 15 months), and Surfshark One+ costs $6.29/month (billed at $94.35 for 15 months). All 12-month plans include 3 bonus months.

2-Year Plans

The two-year plans provide the lowest pricing overall. Starter drops to $1.99/month (billed at $53.73 for 27 months), Surfshark One costs $2.19/month (billed at $59.13 for 27 months), and Surfshark One+ costs $4.19/month (billed at $113.13 for 27 months).

The Starter plan at less than $2 per month represents exceptional value for cryptocurrency traders seeking premium VPN protection without breaking their budget. Surfshark One adds breach monitoring, private search, and antivirus. Surfshark One+ is the only plan that includes identity theft protection and data removal through Incogni.

Here is how each plan stacks against the other in terms of features offered:

Note: These are introductory prices. When the subscription period ends, renewal prices will be higher, though still competitive with industry standards. However, Surfshark offers a comprehensive 30-day money-back guarantee across all plans, allowing risk-free evaluation. Mobile users on iOS and Android can also access a 7-day free trial through their app stores, though this is not available when signing up through the website.

Payment Options and Support

Surfshark accepts major credit cards, PayPal, Google Pay, Amazon Pay, and AliPay. For crypto traders, Surfshark accepts cryptocurrency through CoinGate, including Bitcoin and Ethereum, letting you sign up anonymously.

Surfshark offers a 30-day money-back guarantee. Test the service with real trading sessions for a full month and request a refund if needed. Mobile users can access a 7-day free trial through app stores. Customer support operates 24/7 through live chat, responding within minutes.

Best Surfshark Server Locations for Crypto Trading

When selecting servers for cryptocurrency trading, balance regulatory freedom, low latency, and clean IP addresses that exchanges trust. Here are the top server locations for 2026:

Region	Server Location	Why It's Good for Crypto
North America	United States	Largest exchange availability and deepest liquidity. Clear regulatory frameworks make exchange access reliable.
Europe	Germany	Crypto-friendly regulations and excellent infrastructure. Fast speeds for European exchanges.
Europe	Switzerland	Strong banking privacy tradition. Neutral stance toward cryptocurrency makes exchange access predictable.
Europe	Netherlands	Strong privacy laws. Excellent for accessing international exchanges with minimal latency.
Asia	Singapore	Progressive crypto regulations. Primary hub for Asian exchanges. Minimal latency to Asian markets.

Pro-Tips for Crypto Users

• Avoid Restricted Regions: Never connect through servers in countries with crypto bans like China, Egypt, or Bangladesh. These locations can trigger immediate account flags or blocks on major exchanges.
• Distance Matters: For the fastest trade execution and lowest latency, select the crypto-friendly server closest to your physical location. Every additional routing hop adds milliseconds that can matter during volatile market conditions.
• Enable Kill Switch Always: Always activate the Kill Switch before logging into exchanges or wallets. Even a brief VPN dropout can expose your real IP address to the platform or anyone monitoring your connection.
• Use Static Servers for Trading: If you trade frequently on the same exchanges, connect to the same server location consistently. Some crypto exchanges flag accounts that log in from wildly different countries in short time periods as potentially compromised.

Final Thoughts

Surfshark delivers excellent value for cryptocurrency traders in 2026. It provides all core security features that matter, i.e., military-grade encryption, verified no-logs policy backed by Deloitte audits, reliable Kill Switch protection, and advanced features like MultiHop and Nexus IP rotation, uncommon at this price point.

The unlimited device policy makes Surfshark ideal for traders monitoring markets across multiple devices. The extensive 4,500+ server network across 100 countries ensures fast, reliable connections in crypto-friendly jurisdictions. At less than $2 per month on the two-year plan, it is accessible to traders at all budget levels.

There are limitations as well. Surfshark does not work in China, Russia, or Turkey. Renewal pricing after introductory periods is higher. However, for most crypto users, these concerns are outweighed by strong security, minimal performance impact, and unbeatable pricing. If you want independently audited security, fast speeds that keep trading responsive, and unlimited device protection without breaking your budget, Surfshark represents one of the best value propositions available.

Frequently Asked Questions (FAQ)

Is Surfshark good for crypto trading?

Yes, it encrypts traffic and hides IP addresses, protecting exchange logins from interception on public networks.

Does Surfshark keep logs of my trading activity?

No, Surfshark follows a strict no-logs policy verified by independent Deloitte audits in 2023 and 2025.

Can I pay for Surfshark using cryptocurrency?

Yes, you can pay anonymously using Bitcoin, Ethereum, and other cryptocurrencies through CoinGate.

How many devices can I connect simultaneously?

Surfshark allows unlimited simultaneous connections on a single account for all your trading devices.

Will Surfshark slow down my crypto trading?

Most users experience only 5-20% speed reduction with WireGuard, which is minimal for high-frequency trading.

What is MultiHop and should crypto traders use it?

MultiHop routes connections through two VPN servers for double encryption. Useful for maximum anonymity but not necessary for most traders.

Does Surfshark work in China for crypto trading?

No, Surfshark does not reliably work in China, Russia, or Turkey. It does work in Iran, Saudi Arabia, and the UAE.

What happens if the VPN disconnects during a trade?

The Kill Switch immediately blocks all internet traffic to prevent your real IP address from being exposed.

Can I try Surfshark risk-free?

Yes, Surfshark offers a 30-day money-back guarantee on all plans for risk-free testing.

Which Surfshark servers are best for crypto trading?

US servers provide best exchange access. Germany and Switzerland offer crypto-friendly European options. Singapore is ideal for Asian markets.