Crypto.com Review
Crypto.com is a crypto app and exchange that Foris DAX, Inc. runs for U.S. users in 49 states, but not New York. You can trade 350+ coins, and every app trade includes a spread plus any admin fee shown before you confirm. Our verdict: a legitimate, regulated platform with a wide product range and mixed user reviews.
The same app holds stocks, IRAs, two Visa cards, and a cash account that earns interest. We checked every figure on November 3, 2026.
Crypto.com at a glance
| Feature | Details |
|---|---|
U.S. provider | Foris DAX, Inc. (Foris Services, Inc. in Louisiana, except the USD Account) |
Registration | FinCEN money services business; money transmitter or equivalent licenses in 44 states, D.C., and Puerto Rico |
Where it works | 49 states, D.C., and U.S. territories, not New York |
Coins | 350+ |
Trading fees | App: spread plus any admin fee in the trade preview. Exchange: published schedule from 0.25% maker and 0.50% taker |
Buying crypto with a card | Up to 4% |
Funding | ACH, instant deposit, wire, debit card, Apple Pay, Google Pay, PayPal, Venmo, crypto |
Minimum crypto order | $1 |
Support | Chat-first, with 24/7 live support per Crypto.com, plus phone lines |
Ratings, November 3, 2026 | App Store 4.66, Google Play 4.4, Trustpilot 2.0 |
Who Crypto.com suits, and who should look elsewhere
Crypto.com fits you if you:
- Want crypto, stocks, a card, and an IRA in one app
- Fund by bank transfer, which Crypto.com doesn't charge for
- Would use the card or Cash Earn enough to justify a paid Level Up plan
Look elsewhere, starting with our Crypto.com alternatives, if you:
- Live in New York, or want to stake from California, Maryland, New Jersey, or Wisconsin
- Need fast, dependable help from a person
Is Crypto.com legit and safe?
Crypto.com is registered and state-licensed in the U.S. Foris DAX, Inc., a Delaware corporation in Tyler, Texas, runs the app and is registered with FinCEN as a money services business.
Its licenses document lists money transmitter or equivalent licenses in 44 states, D.C., and Puerto Rico under NMLS ID 1966158. Not all of them cover crypto:
- Tennessee and Virginia: the notices say the money transmitter license doesn't cover the transmission of virtual currency
- Louisiana: Foris DAX's license doesn't cover virtual currency, and Foris Services, Inc., which provides the app there, holds a Louisiana virtual currency license
Other products sit with their own regulated companies:
- Stocks and IRAs: Foris Capital US LLC, an SEC-registered broker-dealer, member FINRA and SIPC
- App perps: Foris DAX FCM, LLC, an NFA member futures commission merchant
- Prediction and sports contracts: Crypto.com | Derivatives North America, a CFTC-designated contract market
- Staked assets: Foris DAX Trust Company, LLC, a New Hampshire non-depository trust company
Crypto.com controls the private keys to your crypto and keeps them in a mix of online and offline storage, its U.S. Terms say. Offline retrieval can delay a transaction by 48 hours or more.
The Terms also say your crypto belongs to you, not to Crypto.com's creditors. They warn that its treatment in an insolvency is unsettled and not guaranteed.
New withdrawal addresses must be whitelisted, and withdrawals need a passkey, or 2FA plus an SMS code. Turn on the optional 24-hour lock for new addresses, as Crypto.com recommends.
Its security page lists certifications including ISO/IEC 27001:2022, ISO 22301:2019, PCI DSS v4.0 Level 1, and SOC 2 Type II.
Crypto.com's Proof of Reserves page shows a Mazars verification of a December 7, 2022 snapshot, covering BTC, ETH, USDC, USDT, and five other tokens.
In the U.S., the Account Protection Programme, a goodwill payout for unauthorized transactions, is limited to Prime, Crypto.com's invite-only membership. Even then, it pays only if you met its conditions, such as having the 24-hour withdrawal lock turned on.
It also excludes payments you were tricked into making, so learn the common crypto scams.
Crypto.com's own January 2022 newsroom digest links press reports of a hack on the platform that month. The same digest announced a 24-hour withdrawal lock for newly whitelisted addresses on the Exchange.
The SEC sent Crypto.com a Wells notice in August 2024, and Crypto.com sued the SEC that October. Crypto.com says the SEC closed its investigation on March 27, 2025, with no enforcement action.
Crypto.com fees
Crypto.com is the other side of every app trade, so the price includes a markup or markdown, called the spread. It may also add an admin fee, which the trade preview shows before you submit.
Its App fee schedule lists a 0.8% trading fee for buys, sells, and exchanges, and up to 4% for card purchases. A Level Up subscription lists zero trading fees, but the U.S. Terms keep the spread separate from fees, so you still pay it.
Other U.S. costs, as listed the day we checked:
| What you do | Cost |
|---|---|
ACH deposit or withdrawal | Free from Crypto.com; your bank may charge |
Wire deposit | Free from Crypto.com; $1,000 minimum |
Instant deposit | $10 minimum; withdrawals restricted for 7 business days |
Debit card, Apple Pay, or Google Pay top-up | A card fee, shown before you confirm |
PayPal or Venmo top-up | 1.99% |
RTP withdrawal, arrives in seconds | 1.5% (1.25% for Prime) |
BTC withdrawal on the Bitcoin network | 0.0002 BTC below 0.002 BTC; 0.0004 BTC at 0.002 BTC or more; 0.0008 BTC minimum withdrawal |
USD Account inactivity | $4.95 a month after 12 months with no activity |
On the Exchange, the published fee schedule drops with 30-day spot volume, from 0.25% maker and 0.50% taker under $10,000 to 0.08% and 0.18% at $500,000 or more. Holding at least 50,000 CRO there cuts maker fees to 0% and taker fees by 12%.
Crypto withdrawals to an outside address carry a network fee, and the app shows the final fee on the confirmation page.
What you can do on Crypto.com in the U.S.
The app, Crypto.com Web, and the Exchange
The app covers buying and selling crypto, recurring buys, limit orders, and free transfers to other Crypto.com users.
Crypto.com Web, the browser version, works in the same states but leaves recurring buys, limit orders, derivatives, the card, Earn, and Level Up to the app.
U.S. retail users can also trade on the order-book Crypto.com Exchange, funded by ACH, instant ACH, or Fedwire (a Fedwire withdrawal costs $20). Margin trading there is geo-restricted for the U.S.
Level Up plans
Level Up has four plans: Basic (free), Plus, Pro, and Private. Your plan sets your card rewards, Cash Earn rate, IRA match, and support priority.
Crypto.com's U.S. credit card rewards terms, dated September 2, 2025, give these prices. CRO lockups run 365 days.
| Plan | Subscription | Or lock up |
|---|---|---|
Basic | Free | Not needed |
Plus | $4.99 a month or $49.99 a year | $500 of CRO |
Pro | $29.99 a month or $299.99 a year | $5,000 of CRO |
Private | Not sold as a subscription | $50,000 or $500,000 of CRO |
Crypto.com Visa cards
The Visa Prepaid Card spends from a balance you load from your USD Account, crypto, a card, or PayPal.
Its spending rewards start at 1.5% on Plus and reach 4.5% on the top Private plan, with monthly caps, according to Crypto.com's rewards article updated October 26, 2026.
Card fees to know:
- 3% on non-USD purchases and ATM withdrawals with Midnight, Ruby, Jade, and Indigo cards
- 2% on ATM withdrawals above the free monthly limit, which is $200 on Midnight
- $5.95 a month after 12 months without card activity, a fee in effect since September 1, 2026
- $7 to reissue a Midnight card and $50 for other cards
- $4.99 to issue a physical Midnight card; a Ruby card costs $29.99 if you pay for Plus monthly and have subscribed for under 6 months, and is free otherwise
- Loading the card costs 1% by debit card, 2.99% by credit card, and 2.1% by PayPal
The Visa Signature Credit Card, issued by Comenity Capital Bank, pays 1.5% back on Basic, 3.5% on Plus, 4.5% on Pro, and 5% or 6% on Private. You can take rewards in CRO or, since May 19, 2026, in BTC with monthly caps.
Prequalifying uses a soft inquiry, so it won't affect your credit score.
If you pick Plus, Pro, or Private for the card, you commit to that subscription or CRO lockup for 12 months from opening the account. Weigh that against other rewards credit cards.
Cash: the USD Account and Cash Earn
The USD Account holds the dollars you trade with. Foris DAX, Inc. provides it, and it pays no interest.
Cash Earn, a separate account at Green Dot Bank, pays 3.00% APY on Basic up to 4.00% on Private (rates effective June 1, 2026). Interest arrives each month in CRO, so its dollar value can change after you get it.
Staking
You can stake crypto in the app unless you live in New York, California, Maryland, New Jersey, or Wisconsin. Rewards come after Crypto.com's service fees, and a validator error can lead to slashing, a penalty on staked assets.
Crypto Earn, a separate rewards program with flexible and 1- or 3-month fixed terms, is also offered to U.S. users. Crypto.com shows the rates only in the app, and paid Level Up plans get higher ones.
Stocks, ETFs, and IRAs
Stocks and ETFs come through Foris Capital US LLC with no commission, and you can buy fractional shares. SEC and FINRA fees on sales are passed on to you.
Crypto.com IRAs, Traditional or Roth, have no setup, monthly, or maintenance fees, but closing one costs $60. See how they compare in our guide to the best IRA accounts.
New contributions earn an IRA Match of 1% on Basic up to 5% on the top Private plan. Matched money has to stay in the IRA for 4 years, or the match can be taken back.
Prediction markets, sports contracts, and perps
Prediction and sports event contracts come from Crypto.com | Derivatives North America, a CFTC-designated exchange, and are offered only in the U.S. A contract pays $1 if you're right, and you lose what you paid if you're wrong.
Several states have moved against the sports contracts:
- Nevada: a Gaming Control Board cease-and-desist letter, May 20, 2025
- Illinois: a Gaming Board cease-and-desist letter, April 1, 2025
- Wisconsin: a state lawsuit in Dane County Circuit Court, summons dated April 23, 2026
- Missouri: an Attorney General cease-and-desist letter, September 16, 2026
The Nevada case has moved through the courts:
- October 14, 2025: a federal district court refused to block the state, and Crypto.com agreed to limit event contracts in Nevada pending appeal
- August 28, 2026: the Ninth Circuit affirmed that ruling
- September 11, 2026: Crypto.com's derivatives exchange petitioned the Supreme Court (No. 26-344), and the petition was still pending when we checked
The app also offers crypto perps (perpetual futures) to eligible U.S. customers, with up to 5x leverage depending on the contract. Leverage multiplies losses too, and the app closes your position if your margin falls too low.
How to open a Crypto.com account
You need to be 18 or older, a U.S. person with a taxpayer ID, and living outside New York.
Download the app
Get the Crypto.com App from the App Store or Google Play.
Verify your identity
Enter your full legal name, upload your state-issued driver's license or ID, and take a selfie. Review can take a few hours to a couple of business days.
Open your USD Account
Submit your Social Security number and home address, plus proof of address if asked.
Add money
Send an ACH transfer from a bank account in your own name, or use instant deposit, a wire, a debit card, PayPal, or Venmo.
Place your first order
Buy from $1 and check the spread and admin fee in the preview. Our guide on how to buy Bitcoin covers the basics.
Customer support and what users say
Support is chat-first. You reach the team through the in-app chat or chat.crypto.com, and Crypto.com says it provides 24/7 live customer support.
You can also call. The USD Account terms list 1-888-824-8817, which is also the U.S. card hotline, and Crypto.com's state notices list 1-888-959-8091 and contact@crypto.com for consumer complaints.
On November 3, 2026, Trustpilot showed a TrustScore of 2.0 out of 5 from 9,454 reviews, with 72% at one star. Crypto.com had replied to 39% of the negative ones.
App store users are kinder: 4.66 out of 5 on the U.S. App Store (336,066 ratings) and 4.4 on Google Play (694,116 ratings) the same day.
Here's an example of a complaint and Crypto.com's reply: a UK user's one-star Trustpilot review from April 2023 about a delayed withdrawal, answered with a pointer to live chat and contact@crypto.com.
If chat doesn't fix a money transmission complaint, the licenses document names the regulator for each state it lists, and several state notices tell you to contact that agency next.
Crypto.com vs. Coinbase and Kraken
Each of the three sells a membership that waives trading fees, and each says a spread still applies.
| Item | Crypto.com | Coinbase | Kraken |
|---|---|---|---|
U.S. App Store rating, November 3, 2026 | 4.66 (336,066 ratings) | 4.68 (1,797,987 ratings) | 4.74 (36,146 ratings) |
Zero-fee membership | Level Up subscription; spread still applies | Coinbase One, on spot crypto; a spread applies | Kraken+ at $4.99 a month, up to $10k a month; spread still applies |
Staking by state | Not in NY, CA, MD, NJ, or WI | No new staking in CA, MD, NJ, or WI | Onchain staking in 37 states plus D.C. and Puerto Rico |
Kraken's U.S. quick start says it doesn't serve residents of New York or Maine.
For more detail, read Coinbase vs. Crypto.com, our Coinbase review, or our Kraken review.
Our verdict: should you use Crypto.com?
Crypto.com is a legitimate, regulated platform with a wide U.S. product range, but every app trade carries a spread, and user reviews are mixed.
It works best if you fund by ACH and will use the card or Cash Earn. A paid Level Up plan earns its price only if you trade or spend enough to use the perks.
If you trade often, compare the Exchange's maker-taker fees with our list of the best crypto exchanges before you commit.
Crypto.com FAQs
Is Crypto.com legit?
Yes. Foris DAX, Inc., which runs Crypto.com for U.S. users, is a FinCEN-registered money services business with money transmitter or equivalent licenses listed in 44 states, D.C., and Puerto Rico. Its stock and IRA arm, Foris Capital US LLC, is an SEC-registered broker-dealer.
Is Crypto.com safe?
Crypto.com keeps the keys to customer crypto in online and offline storage and requires whitelisted addresses plus a passkey or 2FA to withdraw. Your crypto isn't FDIC or SIPC insured, and the U.S. Terms call its treatment in an insolvency unsettled.
What are Crypto.com's fees?
App trades include a spread plus any admin fee shown in the trade preview, and the App fee schedule lists 0.8% for trades and up to 4% for card purchases. Crypto.com charges nothing for ACH deposits and withdrawals. On the Exchange, the published fee schedule starts at 0.25% maker and 0.50% taker.
Does Crypto.com report to the IRS?
Yes. For the 2025 tax year, Crypto.com says it may issue Form 1099-MISC for $600 or more in rewards, Form 1099-B for traded contracts, and Form 1099-DA for reportable crypto transactions. It says it chose not to report cost basis on the 1099-DA during this transition period.
Which U.S. states can use Crypto.com?
The app works in 49 states, Washington, D.C., and the U.S. territories, but not in New York. Staking is also off-limits in California, Maryland, New Jersey, and Wisconsin, and the Prepaid Card isn't offered in the territories.
How do I withdraw money from Crypto.com?
Open Accounts, tap your USD Account, then Transfer and Withdraw, and pick a bank account linked through Plaid. Crypto.com charges nothing for ACH withdrawals and lists 3 to 5 working days for review plus 3 to 5 for the transfer. RTP withdrawals arrive in seconds for a 1.5% fee.
Is Crypto.com a wallet or a cold wallet?
The Crypto.com App is a custodial account: Crypto.com controls the private keys. Its former Onchain Wallet is now part of Ult, a non-custodial app from Cronos Technologies Limited, which says Cronos and Crypto.com are separate companies. For keys you hold offline, see our crypto cold wallet guide.
Sources
- Crypto.com App and Web U.S. Terms and Conditions
- Crypto.com U.S. licenses
- Crypto.com App Fees and Limits
- Crypto.com Exchange Fees and Limits
- Crypto.com Help Center, FDIC Insurance (United States)
- FinCEN MSB Registrant Search
- Nevada Gaming Control Board, actions against prediction markets
- Supreme Court of the United States, docket No. 26-344