Crypto.com offers a strong MiCA licensed ecosystem, but the regular App is too expensive for ordinary trading. Use the separate Exchange for maker and taker pricing. The 20% discount through our link applies only to the Crypto.com Exchange and never to App purchases.
Crypto.com consists of several products that are easily confused. This review makes one distinction absolutely clear: the Crypto.com App and Crypto.com Exchange are separate trading platforms with different pricing and features.
The regular App is easy to use but expensive. Its admin fee and quoted price can result in a difference of around 3%, depending on the asset and order. The Exchange uses an order book and market based maker and taker fees.
The 20% discount through CryptoTips applies exclusively to trading fees on the Crypto.com Exchange. It does not apply to purchases, sales or swaps in the regular Crypto.com App.
Crypto.com- 20% discount applies only to Exchange trading fees
- The Crypto.com App and Exchange are two separate platforms
- Exchange spot fees start at 0.25% maker and 0.50% taker
- App costs can reach around 3% due to the price markup
- Card purchases in the App cost up to 4%
- MiCA licence for the European Economic Area
Affiliate link. Note: investing is risky. You can lose part or all of your deposit.
Crypto.com review summary
Crypto.com combines a simple purchasing app, professional Exchange, payment card, Earn, staking, self custody wallet and several Web3 services.
European services are provided through a Maltese entity with a MiCA licence. That is a meaningful regulatory advantage, but regulation does not make the App inexpensive.
The App is the weak point. In addition to official EEA fees, the final admin fee and quoted price can differ noticeably from the wider market. The Exchange displays an order book and charges 0.25% maker or 0.50% taker at the lowest volume tier.
Pros
- MiCA licence for the European Economic Area
- Broad ecosystem with App, Exchange, card and Earn
- Exchange has volume based market rates
- More than 300 Exchange trading pairs
- 20% Exchange trading fee discount through our offer
Cons
- Regular App pricing and admin fees can cost around 3%
- Card purchases in the App cost up to 4%
- Entry level Exchange taker fee is 0.50%
- App and Exchange are confusingly separate platforms
- CRO benefits require large balances or lockups
The App and Exchange are not the same
The Crypto.com App is designed for convenience. You select an asset, enter an amount and accept the quoted price. Crypto.com sets that price and may charge an admin fee. You are not placing a standard order in a public order book.
The Crypto.com Exchange is a separate trading environment with limit orders, market orders, charts and maker and taker fees. It has its own website and app. Crypto can be transferred between linked Crypto.com accounts, but the trading costs remain different.
Opening a Crypto.com Exchange account
- Open the Crypto.com Exchange registration through our link.
- Confirm that the page clearly says Exchange.
- Create an account and enter the referral code if it is not filled automatically.
- Complete identity verification.
- Deposit fiat or transfer crypto from the App to the Exchange.
- Review the maker or taker fee before every order.
Opening only the regular App does not apply the 20% Exchange discount to App transactions.
How to open an account with Crypto.com
Create an account
Open a free account and verify your identity (KYC) with an ID. This usually takes just a few minutes.
Deposit funds
Add euros with a payment method that suits you. Bank methods are usually free.
Buy Crypto.com
Go to the Crypto.com market, enter the amount you want to invest and confirm. You can buy a fraction; you don't need a whole coin.
Store it safely
Keep your Crypto.com in the exchange wallet or move it to your own wallet for full control. Never share your private keys or seed phrase.
All important Crypto.com fees
App fees
The official EEA schedule lists 0.80% for crypto to crypto transactions and 0.80% for purchases from the Cash Account. A debit or credit card purchase can cost up to 4%.
The App also uses a variable admin fee and quoted buy or sell price. The total difference can reach around 3% in practice. Always compare the net crypto amount with the market price before confirming.
SEPA deposits are free and a euro withdrawal through SEPA costs €1. Crypto withdrawal costs vary by asset and network.
Exchange fees
Without a CRO benefit, Exchange users below $10,000 in monthly volume pay 0.25% maker and 0.50% taker. Rates decrease to 0.08% and 0.18% from $500,000.
Our 20% offer applies only to eligible Exchange trading fees. App fees, card charges, spreads, withdrawal fees and liquidation charges are excluded.
Fees and costs
The Crypto.com App and Crypto.com Exchange have different fees. The 20% discount through our link applies exclusively to Exchange trading fees. The App shows its final admin fee and quoted price before confirmation; do not automatically add every percentage together.
EEA fees and potential markup
| Item | Fee | Explanation |
|---|---|---|
| Price markup and admin fee | Variable, up to around 3% | Depends on asset, order, liquidity and market |
| Crypto to crypto | 0.80% | Official EEA App fee |
| Cash to crypto | 0.80% | Through the Cash Account |
| Card purchase | Up to 4.00% | Card issuer may charge additional fees |
| SEPA deposit | Free | Bank transfer |
| SEPA withdrawal | €1 | Per euro withdrawal |
| Crypto deposit | Free | Sender pays any network cost |
| Crypto withdrawal | Variable | Depends on asset and network |
Crypto.com or Bitvavo
Bitvavo has a simpler structure. Its regular and advanced interfaces use the same account and fee schedule.
Crypto.com offers more products and an international card, but separating the App and Exchange creates unnecessary confusion. Bitvavo is usually cheaper for a simple purchase. Within the Crypto.com ecosystem, trade on the Exchange and use the App mainly for the card and additional services.
Compare exchange fees
| Exchange | Effective fee |
|---|---|
| OKX | 0.080% ★ |
| Bybit EU | 0.225% ★ |
| Bitvavo | 0.250% |
| Coinbase | 1.490% |
| Kraken | 1.500% |
| Crypto.com | 2.400% ★ |
| Bitpanda | 2.490% |
| BTC Direct | 3.000% |
★ Effective fees include our exclusive offers where available. Fees are indicative, check the exchange for current rates.
How does the 20% discount work?
The offer belongs to the Crypto.com Exchange affiliate programme. New users who register through our Exchange link receive a 20% discount on eligible trading fees for the first twelve months under the current offer terms.
Again, this does not apply to the Crypto.com App. A 0.80% App transaction, an approximate 3% price difference or a card purchase costing up to 4% does not become 20% cheaper through an Exchange referral link.
Crypto.com Visa Card
The Crypto.com card works wherever its card network is accepted. Benefits and cashback depend on the tier, country and any CRO requirements.
Review exchange rates, withdrawal limits, card terms and required CRO lockups. Do not lock more CRO than you can responsibly expose to price risk.
Earn, staking and CRO
Crypto.com offers several ways to earn rewards. Rates and terms vary by asset, term and user level.
Rewards are not savings interest. Centralised services introduce counterparty risk, market risk and possible lockups. CRO benefits can also lose value when the CRO price falls.
Is Crypto.com reliable?
The MFSA MiCA licence is a strong regulatory point for Europe. Crypto.com also provides security controls such as two factor authentication, address whitelisting and withdrawal locks.
No licence or security certificate prevents market losses, account issues or transfers over the wrong network. Consider self custody for large long term holdings if you understand the responsibility.
Crypto.com experiences
Positive feedback often focuses on the broad ecosystem, card and large number of features. Negative experiences frequently mention expensive App pricing, changing CRO conditions and confusion between the App and Exchange.
Conclusion of our Crypto.com review
Crypto.com is broad, MiCA licensed and internationally established. The Exchange has reasonable trading fees, but the regular App is too expensive for frequent buying and selling.
Use the Exchange for trading whenever possible. The 20% discount through our link applies exclusively there. App and card purchase fees do not receive the 20% discount.
Crypto.com reviews
-
My only issue with crypto.com is the time that they say they have to take to verify when doing a transfer to a new address. Sometimes, them address is only valid for 24hres and pass that it will expire. They wait 24hres until the address expires. Then, I start over with the process, then I have to wait 24hres, until I decide to sell my crypto and get back my money back to my bank, then use another platform.
-
Sepa tranfer from lithuanian IBAN to Crypto.com lithuanian IBAN its takeing 5days its a joke..... having problems all the time with them....horrible service..... costummer support looks like bots only copy paste....usless good for nothing this place !!!!
-
Fantastic. I have the Ivy white card. I’m earning 6.5% on my bitcoin plus they give me an extra 2% in CRO bonus for having the Ivy card. So I earn 8.5% on my bitcoin, which is more than any other company (NEXO, Celsius, BlockFi, etc). They have amazing customer service as well, who have always answered my questions and concerns in a timely fashion.
-
Been using for a while to trade crypto. It would be better if app ran a little faster maybe due to old android system my phones using. I haven't used the cashback function yet. When I first staked the MCO it was about 130 GBP then they changed to CRO and doubled amount needed to stake but value of CRO has halved recently so great time to sign up.
-
Just a warning: I tried to sign up for the Ruby Steel credit card. After registering, I went through the app, and clicked on the Ruby Steel card application, and clicked "Purchase & Hold CRO for 180 days.This was in October 2020, when you only needed to stake 1000 CROs to apply for the card (they've now increased it to 2,500 CROs, I guess because the value of CRO has crashed and they're greedy). Unfortunately, I guess due to a bug in the app, I was able to purchase the CRO, but my actual application for the credit card didn't go through. There was no error message on the app or by email -- nothing to let me know that my purchased CRO was not staked (which I assumed it was, since I had purchased it through the credit card application button). So when I emailed their customer support a few weeks later just to make sure, since I had a suspicion something had gone wrong (due to not receiving any communication from them about the status of my credit card application), I explained what had happened, assuming that they would do what any other customer service team would do, and honour my application. But of course, because the value of CRO dropped so drastically and because the stakes increased to 2,500 CRO for the card (though that was AFTER I had applied), they refused to honour my original application, and didn't offer any kind of compensation -- not even an APOLOGY! I'm appalled by the company's customer service, and would caution everyone against applying for the credit card since you risk purchasing CRO (which is extremely volatile!) as part of your application that doesn't even go through, and not being compensated for any kinds of bugs in their app.
-
https://telegra.ph/SURE-YOU-ARE-NOT-FOLLOWED-09-28
-
I deposit about $1000 and purchased MCO. After about a year they started emailing me and sending me push notifications harassing me to convert all of my MCO to CRO using their convenient swap tool, stating my MCO will soon become useless. I used the swap tool as instructed, and was filled at an awfully off market rate. The SGD equivalent of my holding instantly dropped as a result of the swap. When contacting support I was told the rate was shown upfront (which is true), but at the time I had some trust for the company and didn't expect they would so brazenly rip my face off on the swap they were pressuring me into. After being rejected for a refund/reversal, and being told my MCO would become useless, I was forced to conclude that my mistake was trusting crypto.com when I should have instead cashed out and abandoned the platform.
-
I really love the free $50 CRO tokens when i use a referral code and it can be used straight away after i have done applying for the ruby card. Use this referral code for free $50 CRO tokens upon sign up: 6r3sprdxbt
-
It is the best App ever ! ? Book your cards before the CRO is too high ?? Love Crypto.com. ❤️ Used the card without any problems in the U.S. started direct deposit with my paychecks... I however do regret not finding a referral code when I signed up and missed out on the free $50 ? ?$50?with this code when you first register for the app : 7msnag534b
-
I really like their platform in the way that any beginner can start investing easily and fast. I do miss some functions in the app though, such as being able to see my own percentage increase/decrease for every coin, what my dollar cost average is over time (also for each of my coins), being able to see a coin's price chart further back than six months, and general sorting of coins in my own wallet (eg. alphabetical, top gainer today, top gainer one month, etc.). Otherwise it's great!
Latest Crypto.com news
The latest news will appear here soon.