Crypto.com Review (2025) - What to Know Before Using the App

— Review updated Nov 2025

- Nov 11, 2025

Crypto.com stands out as a comprehensive cryptocurrency platform offering an impressive range of over 250 cryptocurrencies with competitive trading fees.

While its 2.99% credit card fee is high, users benefit from no-fee bank transfers and reduced fees with CRO staking.

The platform excels with additional services like crypto loans and rewards cards, though customer support response times can be slow and some features remain unavailable to US users.

Read the full review

Crypto.com At glance

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

Many loyal customers report positive experiences with the platform's features and card rewards, a significant number complain about account freezes, withdrawal delays, and high fees. Customer service response is inconsistent.

Company name

Crypto.com

Website

https://crypto.com

Email

contact@crypto.com

Pricing

Crypto.com offers competitive fees with a volume-based structure. Maker fees range from 0.04% to 0.4%, while taker fees range from 0.1% to 0.4%, decreasing with higher trading volumes. The 2.99% credit card fee is on the higher side.

Customer Support

Customer support responds through multiple channels including live chat and email, but response times can be slow. While they make efforts to resolve issues, the absence of phone support and occasional delays affect the overall support experience.

Terms and Flexibility

They maintain high security standards with multiple certifications including CCSS, ISO 27001:2013, and PCI:DSS compliance. Some of platform's features have limitations for US users, and certain terms regarding regional restrictions could be clearer.

Pros & Cons

Extensive Cryptocurrency Selection: Crypto.com offers access to over 250 cryptocurrencies, making it one of the most comprehensive exchanges for traders looking for a wide variety of digital assets.
Diverse Financial Products: The platform provides multiple services beyond basic trading, including crypto loans, metal Visa cards with cashback rewards (up to 5%), an NFT marketplace, and staking options.
Strong Security Measures: Crypto.com has obtained multiple security certifications including Cryptocurrency Security Standard (CCSS), ISO 27001:2013, ISO/IEC 27701:2019, and PCI:DSS 3.2.1 (Level 1).
Competitive Fee Structure: The platform offers competitive maker-taker fees ranging from 0.04% to 0.4%, which decrease with higher trading volumes.
User-Friendly Mobile App: The Crypto.com app is designed to be intuitive and comprehensive, allowing users to easily track all cryptocurrencies in one place, set price alerts, and manage their entire crypto portfolio on the go.

High Credit Card Fees: The 2.99% fee for credit or debit card transactions is relatively high compared to some competitors, which can significantly impact investment returns, especially for frequent traders.
Limited Features for US Users: Several services are unavailable to US customers, including margin trading, and the platform is completely unavailable to residents of New York.
Customer Support Issues: Customer service has been reported to have slow response times, with Trustpilot ratings averaging just 1.9 out of 5 stars.

Details

Crypto.com - Investment Account

Pricing, commissions & fees

Maker fee0.25%

Taker fee0.5%

Withdrawal fees$45 fee for wire transfers

Daily withdrawal limit$100000

Deposit in cryptoYes

Deposit by bankYes

Deposit by cardYes

Deposit by PayPalNo

Other deposit methodsApple Pay and Google Pay

Features

Exchange typeCentralised (CEX)

Spot tradingYes

Margin tradingYes

FuturesYes

OptionsNo

Market ordersYes

Limit ordersYes

Stop lossYes

Take profitYes

OCO ordersNo

Leverage10

Staking optionsYes

LendingYes

NFTYes

Available on webYes

Available on iOSYes

Available on AndroidYes

Available on desktopNo

Available via APIYes

Investment options

Number of cryptocurrencies250

Network: BitcoinYes

Network: EthereumYes

Network: BinanceYes

Network: SolanaYes

Other supported networksYes

Security & Support

Year found2016

Regulatory statusLicensed

Two-factor authenticationYes

Cold storageYes

Insurance coverageYes

Whitelisted addressesYes

Full day supportYes

Live chatYes

Email supportYes

Phone supportNo

Community forumsYes

Supported languagesMultiple languages including English, Spanish, French, German, Korean, Japanese, and Chinese

Additional fields

Recommended companyYes

Get started

Crypto.com is a very popular cryptocurrency exchange and serves as a one-stop shop for all your crypto transaction needs, making it an ideal fit for any investor.

The exchange has more than 200 cryptocurrencies available and account holders can get up to 5% back when spending with the Crypto.com Visa card.

How We Rate Crypto.com

At Financer, all lenders go through a thorough research and review process. Here's how we rate Crypto.com:

Category	Rating
Interface	⭐⭐⭐⭐
Advanced trading features	⭐⭐⭐⭐
Fees	⭐⭐⭐⭐
Security	⭐⭐⭐⭐
Transparency	⭐⭐⭐⭐
Customer support	⭐⭐⭐
Overall	⭐⭐⭐⭐

Let's take a closer look at Crypto.com, its features, and how to open an account to start trading crypto online.

Do We Recommend Crypto.com?

Yes, we recommend Crypto.com as a reliable platform. Skip to our full review below and see how we rate Crypto.com.

What we'll cover in this review:

Crypto.com Overview

Crypto.com was founded in 2016 with the aim of allowing everyone the ability to control their money, data, and identity.

Users can buy, sell, and trade a list of cryptocurrencies while also enjoying low fees and cryptocurrency credit cards. Crypto.com offers an NFT marketplace, a decentralized exchange, and a standalone crypto wallet.

Here's a quick summary of Crypto.com:

Overview	Features
Number of cryptocurrencies:	250+
Minimum trade:	$1
Transaction fees:	Make fees: 0.04% to 0.4%, taker fees: 0.1% to 0.4%, 2.99% for credit card purchases
Maximum limit:	Up to $10,000 per day and $15,000 per month
Product line:	Accept crypto payments, buy and sell cryptos
Best known for:	Reliable platform, many trading options

Users can trade 80+ market pairs and 30+ major cryptocurrencies including but not limited to Bitcoin(BTC), Ethereum(ETH), XRP, Litecoin(LTC), USDT, USDC, CRO with a very competitive pricing and fee model.

With more than 10 million users, Crypto.com is the first to obtain the highest security and compliance standard in the industry: Cryptocurrency Security Standard (CCSS), ISO 27001:2013, ISO/IEC 27701:2019, and PCI:DSS 3.2.1 (Level 1).

Crypto.com is best for:

Mobile users
Decentralized finance tokens
Transactions with fiat currency

The combination of low pricing and an extensive list of cryptocurrencies makes Crypto.com ideal for beginner and advanced cryptocurrency traders.

Overall, the Crypto.com Exchange is best for traders that want to do more with their cryptos and active traders who want to use their crypto.

Important

Investing in cryptocurrency is a high risk as the market is volitile and often subject to price changes due to government actions.

Where Crypto.com Stand Out

With more than 250 cryptocurrencies on its exchange, Crypto.com has a very large selection of cryptos to choose from.

There are no trading and transaction fees on Crypto.com if you buy with money transferred from your bank account.

Where Crypto.com Falls Short

High fees: The cost of using a credit or debit card for transactions was 2.99% as of late 2021. This has historically been the most practical way to finance a Crypto.com account with cash, even though these costs can be avoided with some effort.

No crypto-to-crypto trading: Despite having a sizable range, Crypto.com's US offering misses a crucial feature that many of its rivals offer. The platform doesn't allow for the conversion of one cryptocurrency to another, so if you want to, say, exchange your Bitcoin for Ethereum, you'll need to make two transactions: one to sell the first cryptocurrency and the other to buy the second.

Some services are unavailable in the US: You could be out of luck if you prefer to trade from your desktop since Crypto.com provides the majority of its services to US customers through its mobile application. Also, some features, such as margin trading, are not accessible to US customers, and New Yorkers cannot use Crypto.com at all.

Products Offered

Crypto.com offers the following products:

Buy, sell, and trade crypto
Metal Visa cards
Crypto.com NFT
Crypto.com Pay
Crypto Loans
Crypto.com app
Pay for Business

The Crypto.com App

Buy 200+ cryptocurrencies, including Bitcoin, with 20+ fiat currencies on the Crypto.com app available on Google Play and the App Store.

You can also access, spend, and manage your funds anytime with the Crypto.com Visa Card.

When transacting on the app, you can pay the lowest Crypto.com fees when you purchase via bank transfer or a credit or debit card.

In addition to this, you can earn up to 8.5% per year on your crypto and up to 14% per year for stablecoins.

The app makes it easy to track all cryptos in one place, with Price Movement Alerts and Price Alerts that are easy to set up.

The Crypto.com app allows you to send crypto to other app users instantly with no fees. Or withdraw your crypto to an external address for a small fixed fee.

Crypto.com Loans

You can get a loan with Crypto.com simply by depositing crypto and taking out a loan of up to 50% of your assets.

Crypto.com loans require no credit check and offer fast payouts.

Cryptocurrencies that can be deposited as collateral for a loan include CRO, BTC, ETH, LTC, DOT, LINK, and VET. The list is continually updated.

Loan repayment terms are available for up to 12 months.

Crypto.com Cashback Visa Card

The Crypto.com Visa Card is a rewards credit card that has several tiers depending on how much CRO you are staking.

Every tier has rewards for certain services, like Netflix, Spotify, or Airbnb. A few other benefits of the Crypto.com Visa Card include free ATM withdrawals and between 1%-5% cashback.

How Crypto.com Works

Crypto.com supports over 200 currencies for users who are interested in spot trading, while you can buy and sell a wide variety of currencies on the app.

These are some of the popular crypto assets available on Crypto.com:

Bitcoin (BTC)
Ethereum (ETH)
Polkadot (DOT)
Cardano (ADA)
Dogecoin (DOGE)
Litecoin (LTC)
USD Coin (USDC)

Cronos (CRO)

Crypto.com Exchange also offers its own coin, Cronos (CRO).

Cronos is the native token of the Cronos Chain and Crypto.org Chain, the first Ethereum-compatible blockchain network built on Cosmos SDK technology.

Check out

An open-source and permission-less Layer 1 chain, Cronos aims to massively scale the DeFi, GameFi, and overall Web3 user community by providing builders with the ability to instantly port apps and crypto assets from other chains while benefiting from low transaction fees, high throughput, and fast finality.

If you hold CRO you benefit from lower trading fees and higher credit card rewards. Users who hold a stake in CRO can:

Trade without any fee and even earn up to 0.01% for taker fee you paid.
Participate in discount token sales events from The Syndicate and buy crypto with up to 50% OFF discount.
Participate in Supercharger: a simple, flexible and secure liquidity mining platform for the most popular DeFi projects.

Crypto.com Fees

Users enjoy transparent Crypto.com fees, typically lower than other competitors. However, credit card transaction fees are 2.99%, which is on the high end.

New Crypto.com users without any CRO staking will pay 0.4% on trades with a total volume of under $25,000 per month.

High-volume traders qualify for fees as low as 0.1% as a taker or 0.04% as a maker without CRO staking. These fees are available to users who have a minimum of 5,000 CRO in their Crypto.com wallet.

There are no additional fees per trade, making Crypto.com very competitive. There is also no fee to deposit crypto in the Crypto.com app.

Note

You can find a list of fees and withdrawal limits here.

Digital Wallet and Security

Users can connect several digital wallets to Crypto.com's service, and it also provides choices for holding cryptocurrency on its own.

The DeFi Wallet is one of them; it is a distinct software that enables users to earn rewards on tokens used in decentralized financial applications enabled by blockchain networks.

If you decide to keep assets on the exchange, Crypto.com lists a number of precautions it has taken to safeguard users. It claims to retain customers' cryptocurrency in "cold storage," which prevents easy access to the internet and lessens hacker vulnerability.

According to Crypto.com, fiat currency deposited on the exchange is kept in authorized bank accounts.

The business claims to have insurance coverage of $750 million to cover losses in the event of an incident or attack that affects customers' assets.

How To Use Crypto.com

Get the app

Download the Crypto.com app from the Google Play store or the App Store. Enter your details and verify your personal information.

Add a payment method

Next, you can link a payment method, like a debit card or bank account. If you enter a bank account from the U.S. you need to provide your Know Your Customer (KYC) details to verify your identity.

Deposit funds

Once your details are verified you can make your first deposit.

How Financer Rates Crypto.com

Being one of the most popular crypto exchanges in the world, the Crypto.com Exchange offers transparent fees and a comprehensive list of cryptocurrencies.

Setting up a new account on the Crypto.com app takes less than 10 minutes and verified users can start making deposits immediately.

Crypto.com supports more than 200 cryptocurrencies and offers a host of other benefits such as their own Visa card and crypto loans.

Is Crypto.com Safe?

Yes. Crypto.com is a reputable cryptocurrency exchange and also one of the largest in the world. It has top-notch security and more than 10 million users.

Crypto.com vs Coinbase

Both Crypto.com and Coinbase are popular crypto exchanges that allow users to buy, sell, and trade cryptocurrency.

Both exchanges offer native coins and digital crypto wallets.

The USDC coin from Coinbase is dollar-stable, which means 1 USDC is the same as $1. On the other hand, the Cronos coin (CRO) from Crypto.com rewards users with benefits based on the stakes they hold.

Although both crypto platforms offer low fees, Crypto.com fees are lower. It also rewards users with high trading volumes, whereas Coinbase has higher maker taker fees. Crypto.com also offers generous rewards.

However, Coinbase takes the lead over Crypto.com in terms of educational opportunities and ease of use. It is ideal for beginner crypto traders.

Crypto.com is geared towards experienced investors and offers a list of additional products like Visa cards and crypto pay at checkout.

Customer Service

Crypto.com offers great customer service with support available via a help page, live chat, and email. However, there is no phone support available.

App users can view and manage their crypto assets easily and also manage their bank accounts, make trades, review transfers, and track balances.

Read more Crypto.com reviews below or add your own.

Crypto.com FAQs

Where is Crypto.com based?

The Crypto.com headquarters are located in Hong Kong.

How do I withdraw money from Crypto.com to my bank account?

To withdraw crypto to your bank account you need to set up a bank account and use it at least once for a deposit. Navigate to Transfer > Withdraw > Crypto > Bank Account and enter the amount you want to withdraw. Choose the bank account you want to withdraw to, review the details, and choose Withdraw Now. It typically takes 2 - 5 working days for the funds to reflect in your bank account.

How do I deposit money into my Crypto.com account?

You can deposit money to your Crypto.com App from these fiat currencies: AUD, CAD, EUR, GBP USD, USDC, BRL. Simply choose the deposit option from the app and choose your payment method, and amount. A wire transfer from your bank takes 1-2 business days. The minimum transfer from USD to your account is $5,000 for wire transfers, and $20 for ACH.

How do I withdraw crypto from my Crypto.com wallet?

You must be at the Starter level or higher to withdraw cryptocurrency from your wallet. Visit crypto.com/exchange and log in. Navigate to Wallets and then Spot Wallet. Find the currency you want and choose Withdraw. You can withdraw to an external wallet address or to your Crypto.com app. Enter the amount you want to withdraw and choose Review Withdrawal. Choose Confirm Withdrawal. Note that withdrawals to the app are instant.

Where is Crypto.com available in the US?

The Crypto.com App is currently available to users in 49 US states. You can see a full list here.

Is crypto com trustworthy?

Crypto.com is a highly regulated and secure platform with numerous security certifications. The site also undergoes regular assessments by leading security auditors and has a Level 1 compliance and CSS.

Is crypto com better than Coinbase?

Both employ a maker-taker payment system. For low-volume customers, which is where the majority of users fall, Crypto.com is less expensive. Depending on your trading activity, Coinbase does come out cheaper at specific points in the fee schedule.

Does Crypto.com report to the IRS?

When American clients make more than $600 in regular revenue from Crypto.com, Crypto.com issues them a Form 1099-MISC. In the past, Crypto.com sent users and the IRS Form 1099-K. As of the tax year 2022, Crypto.com no longer delivers this tax form.

Can you actually make money on Crypto com?

Users have the option to generate revenue straight from their existing cryptocurrency using Crypto.com's Earn program. By staking their cryptocurrency on the Crypto.com network, investors can earn up to 12.5% annual percentage yield (APY).

How do I get my money from crypto?

To withdraw money, you must first sell your cryptocurrency for cash. After that, you can either transfer the money to your bank account or use it to purchase more bitcoin. You can sell an unlimited amount of cryptocurrency for cash.

Crypto.com Alternatives

Here’s a list of alternatives to Crypto.com and how they compare:

Exchange	Reviews	Key Feature	Fees
Binance US	View	Low trading fees	A flat 0.1% for most trading activities.
Coinbase	View	Beginner friendly	$0.99 to $2.99 flat fee depending on the size of the trade; percentage-based fee for trades above $200
Etoro	View	The world's leading social trading platform	A fee of 1% is added to the spread when buying or selling crypto assets
Gemini	View	Known for security and compliance	Transaction fee of 1.49% and a flat rate for trades up to $200

Should You Create an Account with Crypto.com?

Crypto.com is a reliable crypto trading platform and ideal for experienced traders. If you're a seasoned trader or ready to up your game, you may benefit from creating an account on Crypto.com.

More Crypto.com Reviews

What Users On the Web Are Saying

Crypto.com gets 1.9 out of 5 stars on Trustpilot. Users seem to be unhappy with features that were not working as they should.

Crypto.com does seem to reply to complaints in an effort to resolve matters.

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