Crypto.com is an online exchange that supports the trading of more than 400 cryptocurrencies. Crypto.com was launched in 2016 and currently offers both an app and a crypto exchange. Both platforms operate independently and have a completely different fee structure. This is crucial to understand before you start.
This is a comprehensive Crypto.com review that gives you more insight into the exchange and the app. We will tell you about the features, pros and cons, security and costs. The review also includes step-by-step guides on how to register, place a trade, earn interest on your crypto and transfer your funds. Read on to get a full picture of this exchange.
Crypto.com review summary: Crypto.com was founded in 2016 and is one of the largest cryptocurrency platforms in the world with more than 150 million users. The platform offers two separate services: the Crypto.com App (simple but expensive, with spreads of 0.5% to 2%+) and the Crypto.com Exchange (cheaper, with maker/taker fees). Crypto.com is licensed in multiple jurisdictions, including a MiCA licence from Malta for European operations.
The first impression of Crypto.com
Crypto.com is a platform offering various cryptocurrency products and services. With this exchange and app, you can do everything with your crypto: buy, sell, store, earn, spend, borrow cash and even pay your bills.
Important:Â Crypto.com offers two separate platforms that operate independently:
- The Crypto.com App:Â aimed at beginners. Simple to use, but expensive. You do not pay direct transaction fees, but you do pay a spread (difference between buy and sell price) of 0.5% to sometimes more than 2%. For less liquid coins, this can go up to 10%. These costs are not always clearly shown.
- The Crypto.com Exchange: aimed at active traders. Here you trade via an order book with maker/taker fees. The costs are much lower than the app. With our special deal, you receive 20% discount on exchange fees.
Our advice: always use the Exchange, not the App, for buying and selling crypto. The difference in costs is enormous.
Crypto.com is a well-secured crypto platform including crypto insurance for its users. The cold storage wallets are insured up to $750 million.
Crypto.com provides traders with exposure to the market’s most popular cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP) and Litecoin (LTC).
Key features of Crypto.com
- Buy, trade and sell more than 400 cryptocurrencies.
- More than 150 million users worldwide.
- Crypto Visa Card with cashback up to 8%.
- Advanced trading platform with tools and indicators.
- Exchange fees from 0.20% maker / 0.40% taker with our 20% discount.
- Multiple payment options such as bank transfer, credit card and crypto.
- Spend your crypto with the Crypto.com debit card.
- Sponsor of F1, Crypto.com Arena in LA and PSG.
Stake 5,000 CRO and receive a free 50 USD CRO bonus
Summary
| Feature | Details |
|---|---|
| Offer | 400+ cryptos (exchange) / 250+ (app). |
| Exchange fees | 0.25% maker / 0.50% taker (base). With our code: 0.20% / 0.40%. |
| App fees | Spread of 0.5% to 2%+ (hidden costs, use the exchange!) |
| Payment methods | SEPA (free), credit card (2.99%), Apple Pay, Google Pay and crypto. |
| Staking | Yes, via Earn and on-chain staking. Rates vary by coin and duration. |
| Built-in wallets | Yes, for all cryptos. |
| Insurance | Yes, wallets insured up to $750 million. |
| Bonuses | 20% discount on exchange fees + up to $50 CRO bonus with 5,000 CRO stake. |
| Registration | Required (KYC mandatory). |
| API | Yes, automatic trading is possible. |
| Regulation | Licensed in multiple jurisdictions (incl. MiCA licence, Malta). |
| Support | 24/7. |
| Email address | support@crypto.com. |
Crypto.com Pros and Cons
| Pros | Cons |
|---|---|
| Â 20% discount on exchange fees with our code | Â App is expensive: spreads of 0.5% to 2%+ |
| Â Earn interest on your crypto holdings | Â Exchange base fees (0.25%/0.50%) higher than competitors like Bybit (0.10%) |
| Â Spend crypto with a Visa debit card | Â Earn rates are regularly reduced |
| Â Well-designed app and platform | Â Community negativity |
Crypto.com App vs Exchange: important difference
This is the most important point of this review. Crypto.com has two completely separate platforms with a totally different fee structure:
The Crypto.com App is designed for beginners and works as a broker. You click “Buy” and immediately get a price. The difference with the actual market price (the spread) is the fee that Crypto.com collects. This spread is typically 0.5% to 2%, but can go up to 10% for less liquid coins. These costs are not shown separately, so many users do not realise how much they are paying.
The Crypto.com Exchange works as a real exchange with an order book. You place your own buy and sell orders (limit orders or market orders) and pay maker/taker fees. With our referral code cw43qzpzxc, you receive 20% discount, meaning you effectively pay 0.20% maker and 0.40% taker.
Our advice: always use the Crypto.com Exchange for your trades. The difference in costs can amount to hundreds of dollars for larger trades. The app is fine for viewing your portfolio and managing your Visa Card, but not for buying or selling crypto.
For comparison: Bybit charges just 0.10% maker and 0.10% taker via a straightforward interface with a full order book. You avoid hidden spreads and pay less than both the Crypto.com App and Exchange.
Crypto.com offer
The Crypto.com exchange allows its users to buy, sell, earn, lend and borrow crypto. The offering includes virtually all major coins such as Bitcoin, Ethereum, Solana and Litecoin, as well as smaller coins like Chainlink and VeChain.
The exchange also offers margin trading (up to 10x) and derivatives trading (up to 20x) for experienced traders. Note: derivatives are risky and not suitable for beginners.
The exchange offers an Earn programme for users who have funds on the exchange but are not using them for trading. Users can earn interest on their holdings via Soft Lockup (flexible withdrawal) or lock their coins for 1 or 3 months for a higher rate.
The exchange offers various payment methods, including bank transfer and credit card.
Guide how to trade on the Crypto.com exchange
We have written two extensive guides on how to trade on Crypto.com, and how to stake your crypto and earn interest. We start with how the Crypto.com exchange works.
Use referral code cw43qzpzxc on the exchange and receive 20% discount on trading fees + up to $50 free CRO bonus.
How to create an account?
Step-by-step guide for creating an account on Crypto.com:
- Visit the official Crypto.com website.
- Fill in the fields with your details: Name, date of birth, nationality, email and a strong password.
- At Referral ID, enter the following code for $50 free CRO:Â cw43qzpzxc
- This gives you 20% discount on exchange fees + up to $50 free CRO.
- Read the terms and conditions and agree if you accept them.
- Check your inbox for a verification email with a one-time password.
- Log in with this one-time password and change your password immediately to a strong password. Click Submit.
- The last step is verifying your phone number. Enter your phone number and a SMS verification will be sent. Enter the code and click Submit.
Your account is ready! You will be redirected to the exchange landing page.
CRO Bonus: up to $50 free
New users can receive up to $50 in CRO by completing the following steps within 30 days of registration:
- First crypto trade of at least $100:Â receive $10 in CRO.
- First fiat deposit of at least $50:Â receive $15 in CRO.
- Stake CRO for a Visa Card (minimum Ruby Steel tier):Â receive $25 in CRO.
Alternatively: on the Crypto.com exchange, you get $10 with a CRO lockup of 1,000-4,999 CRO, or $50 with a lockup of 5,000+ CRO. Plus 20% discount on trading fees. Always use referral code cw43qzpzxc when signing up to qualify.
Deposit fiat or crypto
Before you can deposit or trade, you must verify your account. KYC verification is mandatory.
- Log in to your Crypto.com account.
- Select Balance in the top menu.
- Select the crypto asset you want to deposit (e.g. Bitcoin or Ethereum).
- Click on Deposit (next to the asset).
- Copy the unique wallet address for the selected coin.
- Transfer crypto from your wallet to the copied wallet address.
Depositing fiat is possible via SEPA bank transfer (free) or credit card (2.99%). Apple Pay and Google Pay are also supported in certain regions.
How to place a buy order?
- Login to your Crypto.com account.
- Click on Exchange on the top menu.
- On the drop-down menu on the right menu, select the crypto pair you want to buy.
- Enter the price you want to buy the crypto asset e.g USDT.
- Enter the amount you want to sell e.g BTC.
- Review the order to ensure that the details are all correct.
- Click the Buy button to place the trade.
How to place a buy order?
This will be the same as to place a Buy order, but please choose Sell in stead of Buy.
How to do a payout?
To make a withdrawal through the app:
- Click the Transfer button on the app’s home screen.
- Tap Withdraw.
- Select Crypto.
- Select External Wallet (remember you can also withdraw to your Crypto.com app).
- Enter the receiver address (the link that was generated on your external wallet to enable it to receive the funds).
- Select the address from the list and enter the amount.
- Click Withdraw to complete the process.
If you want to do a payout to your bank account, you can choose Bank Account in stead of External Wallet.
Guide how to stake with Crypto Earn?
With Crypto.com you can earn interest with staking your crypto. You can choose to stake your crypto with the app or the exchange.
Since September 2025, Crypto.com uses the “Level Up” programme. This replaces the old CRO staking system. You can choose from a subscription (Plus, Pro, Private) or lock/stake CRO to unlock benefits including lower fees, higher Earn rates and better Visa Card rewards.
There are several ways to acquire CRO tokens:
- Buy CRO via the Crypto.com app.
- Exchange another crypto to CRO via the Crypto.com app.
- Deposit CRO from an external wallet or exchange to your Crypto.com app.
Stake your Crypto via the app
- Login to your account through the app.
- Click in the app on the Crypto.com logo.
- Click on Earn.
- Select the plus-sign.
- Select the cryptocurrency that you want to stake.
- Choose how long you want to stake it e.g one month, three months, etc. (the longer, the higher your return).
- Read the terms and conditions and check that you agree with them.
- Choose the amount you want to stake and select Confirm.
Stake your Crypto with the exchange
- Navigate to Stake & Earn.
- Click on Stake CRO to receive full benefits.
- Select a suitable package.
- Click Review.
- Confirm your choice to finish up.
Verifications and Limits
Crypto.com requires all users to verify their identity per KYC requirements. The exchange offers two-level verification: Starter and Advanced.
The Starter level requires: first and last name, nationality, date of birth, email and mobile number for a one-time password (OTP). A starter account has limited features: depositing, trading and withdrawals have a limit of $5,000 per day.
For higher limits or to use staking, you need to upgrade to Advanced. You need to submit a photo of your ID and a selfie. With the advanced account, you can trade, deposit and withdraw without limits.
Crypto.com Fees and other costs
The Crypto.com exchange uses a market maker and market taker fee model. The fee model is based on tiers that depend on your 30-day trading volume. The base fees start at 0.25% maker and 0.50% taker. With our referral code cw43qzpzxc, you receive 20% discount, meaning you effectively pay 0.20% maker and 0.40% taker. Fees gradually decrease based on your trading volume.
| Level | 30D Volume | Maker | Taker | Maker (20% off) | Taker (20% off) |
|---|---|---|---|---|---|
| Level 1 | $0 – $10,000 | 0.25% | 0.50% | 0.20% | 0.40% |
| Level 2 | $10,001 – $50,000 | 0.23% | 0.45% | 0.184% | 0.36% |
| Level 3 | $50,001 – $250,000 | 0.20% | 0.40% | 0.16% | 0.32% |
| Level 4 | $250,001 – $1,000,000 | 0.10% | 0.25% | 0.08% | 0.20% |
| Level 5 | $1,000,001+ | 0.08% | 0.20% | 0.064% | 0.16% |
Additionally, you can get extra discounts by staking CRO:
- Stake 1,000 CRO: 3% extra discount on fees.
- Stake 5,000 CRO: further reduction + $50 CRO bonus.
- Stake 50,000 CRO: 0% maker fees on all tiers.
- Stake 100,000 CRO: negative maker fees (you get paid to provide liquidity).
For comparison: Bybit charges 0.10% maker and 0.10% taker without needing to buy or stake any tokens. For the average trader, Bybit is cheaper and simpler.
Crypto.com Debit Card
Crypto.com offers multiple different crypto debit cards (Visa) with various benefits depending on the amount of CRO you stake via the Level Up programme.
Receive a cashback on all purchases with the card, ranging from 1% with the free card to 8% with the highest tier. You can use this debit card to make payments for products and services that accept Visa cards.
The five tiers:
- Midnight Blue (free):Â 1% cashback, no staking required.
- Ruby Steel ($400 CRO stake):Â 2% cashback + Spotify reimbursement.
- Royal Indigo / Jade Green ($4,000 CRO stake):Â 3% cashback + Spotify + Netflix + lounge access.
- Icy White / Frosted Rose Gold ($40,000 CRO stake):Â 5% cashback + all benefits.
- Obsidian ($400,000 CRO stake):Â 8% cashback + all benefits.
The card has no annual fees and no foreign transaction fees.
Note: CRO must be staked for a minimum of 180 days. If the CRO price drops, you may lose value on your stake. ATM withdrawals are free up to a monthly limit per tier, then 2%.
Is Crypto.com safe?
Crypto.com is one of the largest exchanges in the world with more than 150 million users. Marketing is not something they lack either: they have sponsored multiple seasons of F1, have a partnership with UFC, renamed an entire arena in LA to Crypto.com Arena, and recently purchased AI.com for $70 million.
The exchange also has a large trading volume, showing that people trust Crypto.com. They publish a Proof of Reserves so you can verify they actually hold your crypto.
Crypto.com keeps 100% of user cryptocurrencies in cold wallets. The exchange has partnered with Ledger, a global leader in security and infrastructure solutions for blockchain applications.
Crypto.com has insurance coverage of $750 million for the cryptocurrency assets on its platform. This insurance provides an extra layer of protection for consumers.
Crypto.com is licensed in multiple jurisdictions worldwide. In Europe, it holds a MiCA licence from the MFSA (Malta) since January 2025, allowing it to offer services throughout the European Economic Area. The platform also holds ISO 27001, SOC 2 Type II and PCI DSS Level 1 security certifications.
The exchange uses secured and regulated bank accounts for fiat storage and transactions. Users retain ownership of their fiat currencies in bank accounts. Crypto.com and its creditors cannot claim these funds.
Crypto.com vs Bybit: comparison
For traders looking for an alternative, here is how Crypto.com compares to Bybit:
| Â | Crypto.com Exchange | Bybit |
|---|---|---|
| Offer | 400+ cryptos | 1,700+ cryptos |
| Trading fees | 0.25% maker / 0.50% taker (0.20%/0.40% with our code) | 0.10% maker / 0.10% taker |
| Regulation | Licensed in multiple jurisdictions (incl. MiCA, Malta) | Licensed in multiple jurisdictions (incl. MiCA, Austria) |
| Payment methods | SEPA (free), credit card (2.99%), Apple Pay, Google Pay | SEPA, Wero, credit card, P2P |
| Crypto Card | Visa Card (up to 8% cashback) | Mastercard (up to 10% cashback) |
| Staking | Yes, via Earn + on-chain | Yes, up to 15% per year |
| Insurance | $750M coverage | Cold storage, no published insured amount |
| Users | 150+ million (worldwide) | 72+ million (worldwide) |
| App costs | 0.5-2%+ spread (expensive!) | Same fees as exchange |
| Futures | Yes (up to 20x) | Yes (up to 200x) |
| Copy Trading | No | Yes |
Conclusion: Crypto.com has a strong ecosystem with the Visa Card, large insurance coverage and a huge user base. However, the exchange fees are significantly higher than Bybit (0.25%/0.50% vs 0.10%/0.10%) and the app costs are even worse (0.5-2%+ spread).
Bybit offers lower fees, more cryptos (1,700+ vs 400+) and additional features like copy trading and higher leverage. Crypto.com is best for users who want the Visa Card ecosystem or value the $750M insurance coverage.
Crypto.com FAQ
What are the Crypto.com fees?
Fees differ per platform. On the Exchange, you pay 0.25% maker / 0.50% taker (base), with 20% discount via our code: 0.20% / 0.40%. The App uses spreads of 0.5% to 2%+. Always use the Exchange for the lowest fees.
Is Crypto.com safe to use?
Yes. Crypto.com has $750 million insurance on cold wallets, Proof of Reserves and ISO 27001/SOC 2 certifications. With over 150 million users, it is one of the largest and best secured exchanges in the world.
Which payment methods are supported by Crypto.com?
SEPA bank transfer (free), credit/debit card (2.99%), Apple Pay, Google Pay, Wero, local payment methods and crypto deposits.
How can I contact Crypto.com?
Via the 24/7 live chat in the app or exchange, or by email at support@crypto.com.
What is the difference between the Crypto.com App and Exchange?
The App works as a broker with spreads (0.5-2%+) and is designed for beginners. The Exchange has an order book with maker/taker fees (0.25%/0.50% base, 0.20%/0.40% with our code) and is cheaper. Always use the Exchange for trades.
How do I get the $50 CRO bonus?
Sign up with referral code cw43qzpzxc. Complete within 30 days: a first trade of $100 ($10 bonus), a fiat deposit of $50 ($15 bonus) and stake CRO for a Visa Card ($25 bonus). Total: up to $50 in CRO. On the exchange, you get $50 with a lockup of 5,000+ CRO.
Does Crypto.com offer derivatives trading?
Yes. The exchange offers margin trading (up to 10x) and derivatives trading (up to 20x). Note: derivatives are risky and not suitable for beginners. For comparison, Bybit offers derivatives with up to 200x leverage.
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