Adheres to Crypto.com is a major crypto exchange with 400+ supported coins and over 150 million users worldwide. The platform is licensed across multiple jurisdictions.
Trading fees start at 0.25% maker and 0.50% taker, dropping significantly with higher volume or CRO staking. The Visa card offers up to 6% cashback.
Customer support remains a weakness, with Trustpilot ratings around 1.3/5. Some features, including the full exchange, are still unavailable to U.S. users.
400+ supported cryptocurrencies, one of the largest selections among major exchanges
Visa card with up to 6% cashback and perks like free Netflix and Spotify subscriptions
Competitive trading fees that drop significantly with volume or CRO staking
Stay away from crypto.com. literally everything is a disaster with this company's services! Customer support has zero willingness to actually help... I asked them to delete my account once and then realized I was still getting their emails, so I contacted them to unsubscribe and found out my account was never actually closed... And their brilliant solution to me still receiving emails was to go into my email app settings and mark them as spam! On top of that the app is buggy and crashes the second the president farts in the white house! The fees are ridiculous. I tried to send out $40 I had left just to be done with this garbage and the fee was $10... I'm serious, stay far away
The fees on this app are completely outrageous. Their price feeds consistently show inflated prices and when you go to sell they're way too low. This exchange has seriously deteriorated over the last few years. Strike options are a total joke and don't track the real asset price the way every other legitimate exchange does. I'm shocked they haven't faced an investigation, unless the regulators are part of it too, which honestly wouldn't shock me.. There are way better platforms out there. Avoid this garbage exchange.
Based on pricing, support, terms, popularity, and customer reviews.
Entry-level fees of 0.25% maker and 0.50% taker are higher than many competitors. Volume-based discounts and CRO staking reduce fees significantly. Credit card purchases carry a 2.99% surcharge.
Support available via live chat, email, and an extensive help center. No phone support. Users frequently report slow response times. Trustpilot score sits at 1.3 out of 5 from over 9,000 reviews.
Licensed with FinCEN and across 49 U.S. states. Holds CCSS, ISO 27001, and PCI:DSS Level 1 certifications. MiCA compliant in the EU. Some features restricted for U.S. users, and New York residents cannot use the platform.
The popularity score indicates the percentage of customers choosing this company the last 90 days.
The mobile app is well-designed and beginner-friendly. Users praise the Visa card rewards and wide coin selection. Complaints center on account freezes, withdrawal delays, and high spread fees on the app.
The Financer Score is calculated from our editorial ratings across pricing, customer support, terms & flexibility, popularity, and verified customer reviews. Each factor is weighted equally to provide a balanced, unbiased overview.
| month | Score | Change | Trend |
|---|---|---|---|
| Apr 2026 | 57 | +4 | |
| Mar 2026 | 53 | 0 | |
| Feb 2026 | 53 | — |
Crypto.com is one of the world's largest cryptocurrency exchanges with over 150 million registered users and 400+ supported digital assets.
The platform goes beyond basic trading, offering a Visa card with cashback rewards, crypto lending, staking programs, and a tiered Level Up membership that can eliminate trading fees entirely.
At Financer, all companies go through a thorough research and review process. Here's how we rate Crypto.com:
| Category | Rating |
|---|---|
| Interface & App | ⭐⭐⭐⭐ |
| Coin Selection | ⭐⭐⭐⭐⭐ |
| Fees | ⭐⭐⭐ |
| Security | ⭐⭐⭐⭐⭐ |
| Card Rewards | ⭐⭐⭐⭐ |
| Customer Support | ⭐⭐ |
| Overall | ⭐⭐⭐⭐ |
Crypto.com launched in 2016 with a mission to put cryptocurrency in every wallet. Since then, it has grown into one of the largest platforms in the industry, serving over 150 million users across dozens of countries.
The platform lets you buy, sell, and trade 400+ cryptocurrencies with fees starting at 0.25% for makers and 0.50% for takers. Bank transfers (ACH) carry no purchase fees, making it one of the cheapest ways to buy crypto if you skip the credit card.
Quick summary of Crypto.com:
| Feature | Details |
|---|---|
| Supported cryptocurrencies | 400+ |
| Minimum trade | $1 |
| Trading fees | Maker: 0.25%, Taker: 0.50% (entry level) |
| Credit/debit card fee | 2.99% |
| ACH bank transfer fee | Free |
| Registered users | 150+ million |
| Headquarters | Singapore |
| U.S. availability | 49 states (not New York) |
Crypto.com is best for:
Mobile-first crypto traders who want an all-in-one app
Users looking for Visa card cashback rewards on everyday spending
Investors interested in staking and earning yield on their holdings
Active traders willing to stake CRO tokens for steep fee discounts
With 400+ supported cryptocurrencies, Crypto.com has one of the broadest selections you will find. The platform supports everything from Bitcoin and Ethereum to smaller altcoins and tokenized real-world assets.
Funding your account via ACH bank transfer is completely free, which is a major advantage over competitors that charge for every purchase method. If you hold CRO tokens, your trading fees drop even further, and the Level Up membership can eliminate them entirely.
The Visa card program is a standout feature. Depending on your tier, you can earn between 1.5% and 6% cashback in CRO on everyday purchases, plus perks like free Netflix and Spotify subscriptions.
High entry-level trading fees: The default 0.50% taker fee is roughly five times higher than the 0.10% industry average. You need to either trade significant volume or stake CRO to bring this down.
Credit card surcharge: Buying crypto with a credit or debit card costs 2.99% on top of the trading fee. ACH transfers avoid this, but they take longer to process.
U.S. limitations: The full Crypto.com Exchange (the advanced trading platform) is not available to U.S. users. Americans are limited to the app, which has wider spreads. New York residents are blocked entirely.
Customer support: This is the platform's biggest weakness. Trustpilot shows a 1.3 out of 5 rating from over 9,000 reviews, with common complaints about slow responses and unresolved issues.
Crypto.com offers a wide ecosystem of financial products beyond basic crypto trading:
Buy, sell, and trade 400+ cryptocurrencies
Visa card with up to 6% cashback and lifestyle perks
Level Up membership (Plus, Pro, Private tiers)
Crypto Earn staking program with APYs up to 19%
Crypto loans backed by your holdings
DeFi Wallet for self-custody and DeFi access
Crypto.com Pay for merchant transactions
The mobile app is the primary way most people interact with Crypto.com, especially in the U.S. where the desktop exchange is not available.
You can buy over 400 cryptocurrencies using ACH transfers, debit cards, or credit cards. The app includes price alerts, portfolio tracking, and the ability to send crypto to other Crypto.com users instantly with no fees.
The Visa card program is one of Crypto.com's biggest draws. It works as a prepaid card you load with crypto or fiat, then spend anywhere Visa is accepted.
The card tiers are tied to the Level Up program:
Crypto.com's staking and earn program lets you lock up your crypto for flexible or fixed terms and earn yield. APYs vary by asset and lock-up period, with rates reaching up to 19% on select tokens like SOL and ETH. Level Up members get bonus APY on top of base rates.
You can borrow against your crypto holdings without selling them. Deposit supported assets like BTC, ETH, or CRO as collateral and receive a loan of up to 50% of their value. No credit check required, and repayment terms go up to 12 months.
Crypto.com uses a maker-taker fee model based on your 30-day trading volume. Here is the base fee structure for users with no CRO staked:
| 30-Day Volume | Maker Fee | Taker Fee |
|---|---|---|
| Under $10,000 | 0.25% | 0.50% |
| $10,000 - $50,000 | 0.18% | 0.35% |
| $50,000 - $100,000 | 0.14% | 0.25% |
| $100,000 - $500,000 | 0.10% | 0.18% |
| $10,000,000+ | 0.00% | 0.05% |
Staking CRO unlocks additional discounts. For example, staking 5,000 CRO can reduce both maker and taker fees to around 0.07%. Level Up Pro and Private members get zero trading fees up to their monthly limits.
Other fees to know:
Crypto.com stores 100% of customer cryptocurrency in offline cold storage, which is an industry-leading practice that significantly reduces hacking risk. The platform requires multi-factor authentication for all withdrawals and enforces a 24-hour delay on transfers to new wallet addresses.
Crypto.com is registered with FinCEN as a money services business and holds state-level money transmitter licenses in 49 U.S. states (New York excluded). Globally, it is licensed by the FCA in the UK, VARA in Dubai, and is fully compliant with the EU's MiCA regulation.
The platform holds the following security certifications: Cryptocurrency Security Standard (CCSS), ISO 27001:2013, ISO/IEC 27701:2019, and PCI:DSS 3.2.1 Level 1.
Crypto.com carries a $150 million direct insurance policy led by Arch Underwriting to cover potential losses from security breaches. Note that this is not FDIC insurance, and your crypto holdings are not covered by the same protections as traditional bank deposits.
In January 2022, a breach affected 483 accounts with approximately $30 million in unauthorized transactions. Crypto.com reimbursed all affected users and implemented additional security protocols afterward. No customer funds were permanently lost.
Getting started on Crypto.com takes about 10 minutes. Here's how:
Download the app
Get the Crypto.com app from the App Store or Google Play. Create an account with your email address and set up a strong password.
Verify your identity
Complete the Know Your Customer (KYC) verification by uploading a government-issued ID and taking a selfie. This is required by U.S. regulations and typically takes a few minutes.
Fund your account
Link your bank account for free ACH transfers, or add a debit/credit card (2.99% fee). ACH transfers have a $20 minimum. Wire transfers require a $5,000 minimum.
Start trading
Once funded, browse the 400+ available cryptocurrencies and place your first trade. The minimum purchase is just $1.
Crypto.com is a solid platform for users who want more than just basic crypto trading. The combination of 400+ coins, a rewarding Visa card program, and competitive fees (once you stake CRO or join Level Up) makes it a comprehensive crypto ecosystem.
The biggest downside is customer support. If something goes wrong with your account, getting help can be frustrating and slow. The entry-level trading fees are also higher than average unless you take steps to reduce them.
For U.S. users specifically, the lack of access to the full exchange platform is a limitation. You are restricted to the app, which generally has wider spreads than the exchange.
Both are top-tier crypto platforms, but they serve different priorities.
Coinbase is the easier platform for beginners. It has a cleaner interface, stronger educational resources, and better customer support. However, Coinbase's basic trading fees are higher, and it supports fewer cryptocurrencies (around 250 vs. Crypto.com's 400+).
Crypto.com wins on fees for active traders (especially with CRO staking), coin variety, and its Visa card rewards. Coinbase wins on ease of use, educational content, and regulatory transparency.
Crypto.com offers support through live chat in the app, email, and an online help center. There is no phone support.
The platform's Trustpilot rating is 1.3 out of 5 based on over 9,000 reviews. Common complaints include slow response times, difficulty resolving account issues, and unclear communication about frozen accounts.
Crypto.com does respond to complaints on review platforms, but the volume of negative feedback suggests systemic issues with support capacity.
If Crypto.com is not the right fit, here are some alternatives worth considering:
| Exchange | Best For | Trading Fees | Supported Coins |
|---|---|---|---|
| Coinbase | Beginners and education | 0.40% maker / 0.60% taker | 250+ |
| Kraken | Advanced traders | 0.16% maker / 0.26% taker | 300+ |
| Binance.US | Low fees | 0.10% maker / 0.10% taker | 150+ |
| eToro | Social/copy trading | 1% spread | 100+ |
Crypto.com is a strong choice if you want a single platform that handles trading, earning, spending, and storing crypto. The Visa card rewards and Level Up program add genuine value that most competitors do not match.
If customer support is a priority for you, or if you are a complete beginner who wants hand-holding, Coinbase may be the better starting point. For the lowest possible trading fees, Binance.US or Kraken are worth comparing.
Is Crypto.com safe to use?
Yes. Crypto.com stores 100% of customer crypto in offline cold storage, requires multi-factor authentication, and holds CCSS, ISO 27001, and PCI:DSS Level 1 certifications. It is registered with FinCEN and licensed in 49 U.S. states. The platform also carries a $150 million insurance policy through Arch Underwriting.
What are Crypto.com's trading fees?Entry-level fees are 0.25% maker and 0.50% taker for users with under $10,000 in 30-day volume. Fees decrease with higher volume and CRO staking. Level Up members (starting at $4.99/month) get zero trading fees up to certain monthly limits. Credit card purchases carry an additional 2.99% fee, but ACH bank transfers are free.
Does Crypto.com report to the IRS?Yes. Crypto.com issues Form 1099-MISC to U.S. users who earn more than $600 in income through the platform (such as staking rewards or referral bonuses). All cryptocurrency transactions may be subject to capital gains taxes, and users are responsible for reporting their trading activity.
Is Crypto.com better than Coinbase?It depends on your priorities. Crypto.com offers lower fees (especially with CRO staking), more cryptocurrencies (400+ vs. 250+), and a better rewards card. Coinbase is easier to use for beginners, has stronger educational resources, and better customer support. For active traders, Crypto.com generally offers more value.
Where is Crypto.com available in the U.S.?Crypto.com is available in 49 U.S. states. New York is the only state where the platform is not available due to the state's BitLicense requirements.
How do I withdraw money from Crypto.com?To withdraw fiat currency, navigate to your fiat wallet in the app, select Withdraw, choose your linked bank account, and enter the amount. ACH withdrawals are free and typically take 2-5 business days. For crypto withdrawals, go to your crypto wallet, select the asset, tap Withdraw, and enter the destination wallet address.
What is the Crypto.com Level Up program?Level Up is Crypto.com's membership program with three paid tiers: Plus ($4.99/month), Pro ($24.99/month), and Private (requires CRO lockup starting at $45,000). Benefits include zero trading fees up to monthly limits, Visa card cashback between 2% and 6%, and perks like free streaming subscriptions and airport lounge access.
Crypto.com has a 1.3 out of 5 stars on Trustpilot based on over 9,000 reviews. The most common complaints involve customer support response times, account restrictions, and withdrawal delays.
On the positive side, users frequently praise the Visa card program, the app's interface, and the breadth of available cryptocurrencies. Capterra shows a more balanced 3.1 out of 5 rating from verified users.
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