What is Crypto.com?
Crypto.com is more than just a crypto exchange, it's kind of an all-in-one hub for anything crypto-related. You can access it from your desktop if you want to trade on the exchange, but to really get the full experience, the mobile app is where it's at. It works on both iOS and Android, and it's honestly packed with features. Think staking, lending, NFTs, a Visa debit card with cashback perks, and more. If you're just getting into crypto or want a platform that offers more than just buying and selling, Crypto.com is worth a look.
My Overall Thoughts on Crypto.com
Crypto.com does a solid job blending a clean, beginner-friendly app with some powerful features for more experienced users. Beyond just trading crypto, the platform gives you ways to earn passive income through staking, spend your crypto with a slick metal Visa card, and even dip into the world of NFTs.
Three standout features for me:
1) Huge coin selection: Over 250 cryptocurrencies are supported, including most of the big names like BTC, ETH, ADA, XRP, and DOGE, along with their native coin, CRO. You can trade, hold, or stake CRO for added perks like fee discounts and cashback.
2) Metal Visa debit card: Not only does it look premium, but depending on how much CRO you stake, you can get up to 5% cashback, free Netflix and Spotify, Airbnb and Expedia rebates, and even airport lounge access.
3) Crypto.com Earn: This lets you earn interest on your crypto while you HODL. You can stake over 40 coins, and depending on your CRO stake, the yields can be surprisingly decent. Interest gets paid weekly in the same coin.
One small downside: the desktop version doesn’t have the full functionality of the mobile app. You can’t buy crypto directly with fiat on the desktop—you'll need the app for that. That said, it’s a minor hassle for most people who already live on their phones. If you are planning to only use a desktop, you can research the best crypto exchanges with this article.
Reviews from other users
Overall Feedback: Excellent
I like that they offer both a card and decent interest on my holdings. The app's security features are tight too
I had funds stuck for 4 days with no proper update from support. They eventually fixed it but the delay was frustrating
Great range of coins and the Earn feature is simple to use. Just wish I found this platform earlier
Not bad overall, but some features are geo-locked which is frustrating. Works fine otherwise
Using Crypto.com for my everyday crypto buys. It's convenient and I like the recurring buy feature for DCA
App looks good but it takes a bit to figure out where everything is. It’s not super intuitive at first
Customer service actually responded fast when I had trouble setting up 2FA. Was impressed
I've had no issues with deposits or withdrawals and the fees seem fair for what you get. The app is sleek too
Been staking CRO for a while and I like the rewards. The interest rates on some coins are better than my bank lol
Love the Crypto.com app, super clean and easy to use. I use the Visa card a lot too, cashback is a nice bonus
Leave your own review
Key Features & Advantages of Crypto.com
Crypto.com has a lot of fantastic features that set it apart from other cryptocurrency exchanges. These are my favorite:
Negatives and Disadvantages of Crypto.com
Crypto.com is a great platform, but there are a couple of downsides:
What Services does Crypto.com offer?
Desktop exchange with spot trading, margin trading and derivatives: If you're into more advanced trading, Crypto.com has a pretty powerful desktop exchange. The layout is what you'd expect from a serious trading platform—real-time charts, limit/market orders, margin trading up to 10x, and derivatives like BTC perpetuals with leverage up to 50x. It's a solid setup if you know what you're doing.
That said, one annoying limitation is that you can only trade crypto pairs involving USDT, USDC, BTC, or CRO. No fiat pairs, which is kind of a bummer if you're used to exchanges like Binance or Kraken that let you trade directly with USD or EUR.
Mobile app for iOS and Android: The mobile app is where Crypto.com really shines. You can buy crypto with fiat, swap between coins, access staking (Crypto Earn), request your Visa card, and even explore NFTs—all from your phone. It's packed but still manages to be intuitive.
Also, the app lets you set price alerts, track the market, and even automate purchases with recurring buy options. If you're someone who mostly manages their crypto from their phone, the app experience here is genuinely one of the best.
Over 250+ different cryptocurrencies available: Crypto.com supports over 250 cryptocurrencies, which covers pretty much all the major coins and a good number of altcoins too. Bitcoin, Ethereum, Solana, Cardano, Polkadot, Dogecoin, and of course CRO are all here.
They’re also pretty quick to list trending coins or new tokens, so if you're the kind of person who likes to jump on the latest thing, you'll probably find it on Crypto.com.
Live Chat support available: Live chat support is available directly through the app and website. Sometimes it starts as a chatbot and switches to email, especially during peak times. But overall, I've found them responsive—I usually got an email back within the hour, and follow-up messages were even quicker.
Honestly, having real-time support (even if a little delayed sometimes) is a nice change from the usual ticket-and-wait approach a lot of exchanges still use.
CRO coin - stake Crypto.com's own coin for extra benefits: CRO is Crypto.com’s native coin, and staking it unlocks a bunch of rewards. On the desktop exchange, staking CRO gets you 10% APR and rebates on trading fees. On the app, staking CRO gives you access to better card tiers (and perks), improved interest rates in Crypto Earn, and even cheaper loans in Crypto Credit.
The more CRO you stake, the more benefits you unlock. But the tiers are steep—if you want the full 5% cashback on the card, you're looking at staking $40,000 worth of CRO.
Crypto Earn - stake over 40+ coins to earn interest: This is basically a way to earn passive income by staking your crypto. You can stake coins like BTC, ETH, USDC, and 40+ others. Terms can be flexible, 1-month, or 3-month, with higher interest rates for longer lockups.
Your CRO stake also affects how much you earn—bigger CRO stake = better rates. It’s a cool way to make your crypto work for you while you hold it.
Visa debit card - receive up to 5% cashback and other benefits: Probably the flashiest feature: the Crypto.com Visa card. It's a metal card, and it offers up to 5% cashback on purchases, depending on how much CRO you stake.
On top of that, some tiers include free Netflix/Spotify, Expedia/Airbnb rebates, airport lounge access, and bonus interest on staked coins. Just keep in mind that staking requirements are pretty high for the top benefits.
Crypto Credit - get an instant crypto loan with no deadlines: If you need quick liquidity, Crypto Credit lets you borrow up to 50% of your crypto's value without selling it. No credit check, no deadlines—you just repay when you're ready.
The rates are lower if you have a decent amount of CRO staked. It’s pretty handy if you're temporarily cash-strapped but don’t want to offload your crypto.
Crypto.com Pay - pay with crypto and earn rewards: This lets you spend your crypto at online merchants, on gift cards, or even to top up prepaid phones. You can use over 30 tokens including BTC, ETH, and CRO.
You get rewards too: up to 10% cashback on gift cards, 5% on phone top-ups, and even some perks for paying friends in crypto.
NFT Marketplace - buy and sell NFTs: Crypto.com also has an NFT marketplace that you can access from the app. It's pretty user-friendly, and while it doesn't have the variety of something like OpenSea, it’s a good entry point if you're new to NFTs.
You can buy, sell, and even mint your own NFTs. All within the same ecosystem.
Insurance for your cryptocurrencies: One of the more underrated perks: Crypto.com has a hefty $750 million insurance policy, which includes direct coverage and custodial coverage via Ledger Vault. That gives some peace of mind if you're storing significant funds on the platform.
It covers physical damage and third-party theft, which not all exchanges can claim.
What I Don't Like About Crypto.com
Desktop website is limited to trading with only USDT, USDC, BTC & CRO: The biggest gripe I have is that the desktop version is pretty stripped down compared to the app. You can't use fiat, and you're limited to a few trading pairs. I prefer doing bigger trades on my computer, so this is a bit of a letdown.
Visa card currency conversion fees: If your fiat currency isn’t directly supported by the Visa card, you’ll get hit with conversion fees. Depending on the amount of cashback you're earning, this could eat into your rewards.
Crypto.com Fees
Crypto.com Deposit Fees
- Crypto: Free
- Fiat: Free
Crypto.com Buy Crypto Fees
- Debit/Credit Card: Up to 4% (waived for first 30 days)
- Fiat Balance: Free
- Crypto-to-Crypto Swap: Free (but spread applies)
Crypto.com Trading Fees
When spot trading and margin trading on the desktop exchange, fees start from 0.4% for maker and taker, with lower fees based on 30-day trading volume, as shown in the table below. Additionally, you can receive a discount on fees if you stake over 5,000 CRO. The more you stake, the higher your discount, starting from 10% (for staking 5,000 CRO) up to 90% (for staking 5 million CRO).
30-day Trading Volume (USD) | Maker Fee | Taker Fee |
|---|---|---|
$0 - $25,000 | 0.4% | 0.4% |
$25,001 - $50,000 | 0.35% | 0.35% |
$50,001 - $100,000 | 0.15% | 0.25% |
$100,001 - $250,000 | 0.1% | 0.16% |
$250,001 - $1 million | 0.09% | 0.15% |
$1 million - $20 million | 0.08% | 0.14% |
$20 million - $100 million | 0.07% | 0.13% |
$100 million - $200 million | 0.06% | 0.12% |
$200 million + | 0.04% | 0.1% |
Derivatives trading fees on the desktop exchange start from 0.050% for maker and 0.070% for taker, with reduced fees based on 30-day trading volume (see table below). Traders can also receive a further discount on fees if they stake over 5,000 CRO. The higher the amount staked, the larger the discount, starting from 10% (for staking 5,000 CRO) up to 90% (for staking 5 million CRO).
30-day Trading Volume (USD) | Maker Fee | Taker Fee |
|---|---|---|
$0 - $25,000 | 0.050% | 0.070% |
$25,001 - $50,000 | 0.040% | 0.065% |
$50,001 - $100,000 | 0.030% | 0.060% |
$100,001 - $250,000 | 0.025% | 0.040% |
$250,001 - $1 million | 0.020% | 0.035% |
$1 million - $20 million | 0.015% | 0.030% |
$20 million - $100 million | 0.010% | 0.025% |
$100 million - $200 million | 0.005% | 0.020% |
$200 million + | 0.000% | 0.015% |
Crypto.com Withdrawal Fees
It is FREE to withdraw fiat currency via bank transfer. The only exception is withdrawing USDC via SWIFT Network, which incurs a $25 USD fee.
For cryptocurrency withdrawals, there is a flat fee incurred, depending on the coin. There are too many coins to list, but I have included some popular cryptocurrencies and their fees in the table below.
Note that transferring crypto to another Crypto.com app user is FREE.
Cryptocurrency Withdrawal Fees
Cryptocurrency | Flat Fee |
|---|---|
BTC | 0.0004 BTC |
ETH | 0.008 ETH |
ADA | 0.8 ADA |
DOGE | 50 DOGE |
LTC | 0.001 LTC |
USDT | 25 USDT |
XRP | 1 XRP |
Pros and Cons of Crypto.com
- Over 250+ cryptocurrencies supported with staking available on 40+ coins
- Crypto.com Visa debit card with up to 5% cashback on purchases and additional benefits, such as Airport Lounge access
- Lend and borrow cryptocurrency easily
- Insurance cover on cryptocurrencies
- Margin trading and derivatives trading available on desktop exchange
- Desktop website is limited to trading with only USDT, USDC, BTC & CRO
- Crypto.com Visa card may require currency conversion fees
The Verdict
Crypto.com isn’t perfect, but it’s one of the more complete crypto ecosystems out there. You get buying, selling, earning, borrowing, spending, and even NFT capabilities—all under one roof. The mobile app is the real star, and the Visa card gives the platform a cool real-world tie-in that most exchanges lack.
If you're someone who wants to do more than just trade, Crypto.com is absolutely worth checking out. Just be ready to dive into the mobile app if you want the full experience. If you are still researching other cryptocurrency exchanges, I suggest having a read of my article on the best crypto exchanges.
Frequently Asked Questions
Yep, totally legit. Crypto.com has been around since 2016 and has built up a solid reputation in the crypto space. They're licensed in multiple countries and follow strict rules around identity verification and anti-money laundering (aka AML/KYC). If you're in the U.S., your fiat funds are even FDIC insured. In places like Australia, they’ve got an official financial services license too. Crypto.com has also received ISO/IEC 27701:2019 certification after extensive third-party privacy audits, making it the first cryptocurrency exchange to hold this coveted privacy certification.
Yes, it's actually one of the safer platforms out there. Most of the crypto stored on Crypto.com is kept in cold storage (offline), using Ledger Vault, which is basically a fancy institutional-grade system that’s super hard to hack. On top of that, they’ve got a massive $750 million insurance policy covering theft or damage. So if something ever happens, you're covered. In 2020, Crypto.com was awarded the ISO/IEC 27701:2019 certification, making it the first cryptocurrency company in the world to receive this standard.
In my experience, yes. They’ve been around for nearly a decade, are transparent about their licenses and compliance, and invest heavily in both security and privacy (they were the first crypto company to get ISO/IEC 27701:2019 privacy certification, which is a big deal in data security). I've used them personally and never had a reason not to trust the platform.
Technically, any online platform can be hacked—but Crypto.com takes security really seriously. Like I mentioned, most funds are kept offline, and they use multiple layers of security for user accounts (2FA, anti-phishing, whitelisting, etc.). Plus, that $750M insurance policy is a nice backup. So while nothing is 100% hack-proof, they’ve done a lot to protect your funds.
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