Crypto.com Review

A Crypto.com review has to begin with a clarification, because the brand covers two different trading experiences. Most people meet Crypto.com through its mobile App, where coins are bought at a quoted price with a single tap. A separate order-book venue, the Crypto.com Exchange, charges maker and taker fees and adds derivatives. Which one you use changes your costs considerably, so this review treats them side by side.

The Company Behind the Brand

Crypto.com started in Hong Kong in 2016 and now operates from Singapore through Foris DAX entities in several countries. The order-book Exchange followed a few years after the App. Marketing has been a big part of its story, including stadium naming rights in Los Angeles, but the more relevant development for users is regulatory. In January 2025 its Malta entity became one of the first firms to receive a full licence under the EU’s Markets in Crypto-Assets rules from the Malta Financial Services Authority, allowing services to be passported across the EEA. The group also lists an FCA electronic money licence in the UK, a Major Payment Institution licence from the Monetary Authority of Singapore, a VARA licence in Dubai, Australian financial services and credit licences, and US money transmitter, contract market and clearing approvals. In February 2026 Malta added a further licence for stablecoin payment services.

App Versus Exchange: What It Costs

The App

Buying in the App is simple, but the price shown includes a spread and a variable fee displayed on the preview screen, which makes the true cost harder to compare. Card purchases add their own charge. Staking through the App returns rewards after Crypto.com takes a cut that depends on the asset.

The Exchange

The Exchange uses a tiered schedule based on 30-day volume. Accounts under $10,000 pay 0.25% maker and 0.50% taker, which is expensive next to most global rivals. From $10,000 the rate drops to 0.20% and 0.40%, and the top tier reaches 0% maker and 0.05% taker. Staking CRO, the ecosystem token, can lower fees further and unlock maker rebates for large holders. Crypto withdrawals carry network-based fees, for example 0.0006 BTC or 0.005 ETH, while SEPA withdrawals are free and US wires cost $45.

Markets and Extras

CoinGecko tracks 355 coins and 499 pairs on the Exchange, with daily spot volume around $180 million. Margin trading goes to 10x and perpetual futures to 100x outside the US. Grid, DCA and TWAP bots are built in, while options and OTC are reserved for eligible institutional or VIP clients. There is no copy trading. Beyond trading, the ecosystem includes prepaid Visa cards with crypto rewards, a self-custody Onchain wallet, an NFT platform, and in the US, event contracts under its CFTC-regulated arm.

Protection and Past Incidents

Crypto.com states that customer assets are held 1:1 in reserve. Its proof-of-reserves Merkle snapshot, however, dates from December 2022 and covered only nine assets, so it offers limited assurance today. An Account Protection Program can reimburse up to $250,000 for qualifying unauthorised transactions, but it is discretionary and not deposit insurance. In January 2022 attackers bypassed two-factor checks on several hundred accounts and withdrew around $34 million; the company covered the losses and tightened withdrawal controls.

Who It Suits

Crypto.com fits users who value a regulated, all-in-one ecosystem and plan to spend crypto through a card or keep funds in a licensed environment. Active traders should move to the Exchange rather than the App, and even then the entry-level fees reward those who can climb tiers or stake CRO. Low-volume traders focused only on price will find cheaper venues.

The value of crypto can swing sharply in either direction, and leveraged derivatives in particular can cause rapid losses.

Crypto.com FAQ

Risk warning: Trading forex and CFDs on margin carries a high level of risk. Bonus terms are set by each broker and may change; always check the broker's official terms before claiming.