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Updated Mar 30, 2024  |  Affiliate Disclosure

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  • Crypto.com has 80 million users in 90+ countries, making it one of the most famous cryptocurrency exchanges in the world.
  • Key features include 250+ cryptocurrencies, fiat deposits and withdrawals, cash back Visa cards, interest accounts, and a native token called Cronos (CRO). 
  • However, the biggest drawback are its high fees. Our tests and hundreds of customer complaints are finding high fees hidden in the spread. If you want a low cost crypto exchange, check out our crypto exchange rankings.

About Crypto.com

Crypto.com is a Singapore-based cryptocurrency exchange where both beginner and advanced traders can buy and sell 250+ coins. They offer many other services, including Metal Visa cards, interest accounts, and their own native token called Cronos (CRO). While they offer zero trading fees, Crypto.com makes money on the spread.

They were established in 2016 and have expanded to 90+ countries worldwide. Today, Crypto.com has become one of the world's largest crypto exchanges and brands, with over 80 million users and 4,000 employees. They do lots of marketing and have big partnerships with companies like the UFC, Fifa World Cup, and Formula 1.

Quick Review

Crypto.com is a safe, regulated platform, with over 250+ coins. They have lots of features and make it easy to fund your account with fiat currency. However, it's also one of the most expensive platforms. Instead of a trading fee, they have much higher fees hidden in the spread and it's not worth it in my opinion.

While Crypto.com is a safe platform with a wide selection of cryptocurrencies, it's not worth it if you're looking for low fees. From my test, the all-in fee to buy Bitcoin was 1.68% and the spread was 3.11%. In addition, there are hundreds of online reviews commenting about the high spreads and misleading prices.

You can see our best exchanges of the year here or visit our crypto exchange comparison tool to do more research.

Where It Shines

  • Crypto Reward Cards: 5 Visa cards that let you earn up to 5% cash back and other rewards.
  • Earn Rewards: Earn interest on 50+ coins ranging from 0.50%-12.50% APY along with other ways to earn as well.
  • Lots of Features: Crypto.com has it all... Visa cards, NFTs, interest accounts, and more.
  • Good Security: $150m insurance policy, 80M+ users, and 1:1 reserves according to the CEO. See security section for more.

Where It Falls Short

  • Expensive: Watch out for hidden fees in the spread, especially on the App. The Crypto.com Exchange is a little better.
  • Slow Deposit & Withdrawals: Depositing and withdrawing fiat is slower compared to other platforms.
  • User Interface: Navigating the Crypto.com App can be confusing.

Key Benefits & Features

Crypto.com App Screenshots

Crypto.com has a huge ecosystem of products and services. It includes a cryptocurrency exchange, DeFi wallet, Visa Cards, and much more. We'll look at everything but first, here are the core features to consider when choosing this platform:

  • 250+ Cryptocurrencies: A wide selection of coins and you can purchase them easily with free Interac e-Transfers.
  • 5 Different Visa Cards: Their crypto reward cards are the most popular in the industry. Users enjoy up to 5% cash back (paid in CRO) and get benefits like free Spotify, free Netflix and more.
  • Crypto.com Earn: Earn interest on 30-50 coins with flexible, 1 month, and 3 month terms. The interest is paid via Crypto.com's earnings from spreads and fees. There are also other ways to earn.
  • Crypto.com Exchange: The Exchange is a separate app and website for their pro trading platform. You can use the same login credentials. It has some additional features as well.

Trading Fees & Spread

The Crypto.com app charges zero trading fees, however, that doesn't mean it's free. They make money on the spread, which is the difference you can buy and sell crypto for. From my test, Crypto.com had a 3.11% spread on Bitcoin, which is magnitudes higher than somewhere like Bybit, with only a 0.10% trading fee.

Users should be aware that Crypto.com is one of the priciest platforms you can use. You can compare crypto exchange fees in my comparison tool or see my best crypto exchanges of the year here.

Crypto.com Walkthrough

1. Trading Interface

The Crypto.com App is meant for beginners but it can be confusing to navigate. When it comes to trading, it is commission-free and users can set market ordersrecurring buys, or log in to the Crypto.com Exchange for professional trading.

2. Crypto.com Exchange (Advanced Trading)

The Crypto.com Exchange is a pro trading platform which is separate from the Crypto.com mobile app. You can login with the same credentials but you will have access to a live order bookcharting tools and other advanced trading features via TradingView.

You can also access other features like The Syndicate (token fundraising platform), Trading Arena (battles and competitions), a referral program and more.

In addition, the Crypto.com Exchange has its own trading fees which start at 0.075%. It also offers margin, futures, and lending/borrowing however, those features are restricted in various markets like Canada so you need to check the availability in your region. Here are the other features which make the Exchange useful:

  • Spot Trading: Professional trading for 220+ coins on web or mobile. Note there are no CAD trading pairs on the Exchange, only USDT, BTC, CRO, and USD.
  • Free Transfers: You can transfer funds to the Exchange for free using your Crypto.com App. Similar to how Coinbase and Coinbase Pro works.
  • Trading Bots: Create automated trading strategies using DCA bots and grid trading bots. 
  • Yield: Find staking for Cronos or check out the The Syndicate, a token fundraising platform. You can also use the Supercharger which lets you stake Cronos to earn rewards. Past rewards include DOGE, ETH, FITFI, and more.

3. Crypto.com Earn

Put your crypto to work and start earning interest. The way it works is Crypto.com pays you rewards from income that they make from their other products and services. Here are some more details:

  • 50+ coins available
  • Rewards from 0.50%-12.50% p.a. (most of them are around 1%-3%)
  • Receive rewards every 7 days
  • 3 Levels: Flexible (withdraw anytime), 1 month and 3 month terms
  • Rose Gold, Icy White or Obsidian cardholders get a 2% CRO bonus

You can compare interest rates on other platforms that let you earn rewards or stake such as KrakenKuCoin, and many others.

4. Metal Visa Cards

One of their main features is the prepaid crypto credit cards in partnership with Visa. At the time of this writing, they offer 5 different card tiers that offer 1% to 8% cashback in CRO on your purchases. 

The rewards are fantastic and can include up to 8% cashback, free Netflix, Spotify and more. The downside is it's very expensive to get the highest rewards. Only 1 card is free (which gives 1% cashback) and the rest require you to stake $400-$400,000 of CRO to get the higher tiers. 

5. Recurring Buys

Dollar cost average your way into the market with automatic, scheduled purchases. It's available for a handful of cryptocurrencies and payment methods include fiat, crypto or credit card. You can customize the day of the week and frequency (daily, weekly, bi-weekly, monthly).

6. Cronos (Utility Token)

Crypto.com has its own utility token, Cronos, which powers many features on the platform. Owning Cronos can provide higher staking rewards, reduced transaction fees, better Visa rewards and more.

7. NFT Marketplace

  • Buy, sell, and showcase NFTs
  • Brands like UFC, Aston Martin, and more
  • Join live drops or trade on the marketplace

8. Supercharger

Supercharger is similar to Earn but has limited time promotions. It's a liquidity mining platform that lets you easily mine popular DeFi tokens and earn up to 75% APY. To get started, you can deposit Cronos into the pool to start earning a specific token. Then, you can withdraw at any time. You will receive rewards in your account daily.

9. Crypto.com University

Crypto.com University
Crypto.com University
Crypto.com University
Crypto.com Diamonds Store

Crypto.com launched their "University" which is a new learn and earn program. Users can go through a series of short blockchain articles, quizzes and missions to earn rewards. You will be rewarded in Diamonds which can be exchanged for free NFTs, merchandise, experiences, and even a CRO mystery box. One of the experiences includes a PSG stadium tour for 3,000 diamonds.

10. Customer Support

You can easily contact Crypto.com customer support from inside the mobile app. They are available 24/7 and it says they typically respond within a few hours. In addition, they have a detailed knowledge base with FAQs, articles and walkthroughs. There is also a live status page where you can view incidents in real-time.

Crypto.com Customer Support

11. Additional Features:

Other things you can find in Crypto.com ecosystem include:

  • Referral Program
  • DeFi Wallet (separate app)
  • Crypto Pay
  • Lending/Borrowing (Crypto.com Exchange)
  • Research Center
  • And more


With the information available, Crypto.com is considered a safe crypto exchange. They hold crypto in cold storage, have a $150 million insurance policy and offer 2FA, address whitelisting and many other security features.

Company Security Features

  • They claim 100% of users funds are held in offline cold storage using Ledger Vault
  • $150 million cold storage insurance policy for physical damage and third-party theft
  • KYC required (must prove identity to trade)
  • Dedicated team to monitor for suspicious transactions
  • Software is peer reviewed before being updated
  • Employees take security awareness and privacy training
  • Bug bounty program - get paid to find hacks and vulnerabilities
  • Good reputation - partnerships with Visa, Formula 1, UFC and many more which adds legitimacy
  • See their security page for more

User Security Features

  • 2 Factor Authentication (via app like Google Authenticator, Authy, etc)
  • Optional passcode when opening app
  • Biometric login (eg: face ID, touch ID)
  • Create Anti-Phishing code to identify legitimate emails
  • Set up address whitelists
  • View live status in real-time

Although Crypto.com is safe, over 50% of platforms we tested have had hacks or incidents in the past. We strongly recommend storing and protecting your crypto on a non-custodial wallet where you own the private keys. Preferably, a reputable hardware wallet.

Deposit & Withdrawals

Fiat Currencies

Fiat Wallets

(Deposit/Withdrawals supported)


Credit/Debit Card

Yes (3.50% fee)

P2P Exchange


Crypto Withdrawal Fees



Minimum Withdrawal


0.0006 BTC

0.0012 BTC


0.005 ETH

0.01 ETH





0.1 XLM

200 XLM

Crypto.com Review According to Redditors

I headed to Reddit, Trust Pilot, and other online review sites to see what real users have to say. After reading dozens of reviews, people believe it's a secure platform and it's very easy to buy/sell crypto with fiat currency. When looking at the concerns, there are hundreds of complaints about misleading prices and high fees hidden in the spread.

Overall, the mobile app reviews are impressive. It has a 4.5 star rating on the App Store with 148,000 reviews. Google Play is even better with 4.5 star rating across 465,000 reviews. Here are some of the useful reviews I collected:

  • One user on Reddit wrote, "Crypto.com is legit, but the hidden fees through the spread are high."
  • "I use the app a lot. It’s really easy to fund and I like being able to buy all these altcoins directly with Canadian Dollars with good prices. That’s the main benefit."
  • One review wrote "It's legit, but they do have very high fees and they're not always transparent about them. They also change their benefits on a whim, don't expect any benefits they are offering to last forever and don't expect to get any warning when they do change."
  • Google Play review wrote, "The biggest problem I have is the fees. I don't know how you calculate fees (even if in the app says 0) but they are enormous.. For example I moved £1000 from a coin to CRO, and back to another coin. It took me a few seconds so the prices didn't change. 1000 went down to 850..can you at least warn us if there is a fee instead of putting 0?"

Should You Use Crypto.com?

Crypto.com is a safe and regulated crypto exchange with over 250+ cryptocurrencies. It's also easy to fund your account and it has many other features as well. However, the online reviews and my own tests showed it's a very expensive platform. They are not transparent with their pricing and hide fees in the spread.

Here are the key points to consider if you're thinking about using Crypto.com: 

  • Lots of Services: You can easily fund and withdraw fiat currencies, buy and sell 250+ altcoins, get a Crypto.com Visa card, and much more. From NFTs to advanced trading, they have as many features as anyone.
  • Safe and Reputable: They are licensed in many jurisdictions, have $750M of insurance, offer a Proof of Reserves, and more. Crypto.com is considered one of the safest crypto platforms.
  • Well Reviewed: They have an impressive 4.5 star rating across 613,000 online reviews.
  • Fees Are High: When it comes to fees, Crypto.com has a lack of transparency and hides high fees in the spread. You can find better places to trade altcoins at great rates like KuCoin, Binance, and many others.
  • Pricey Withdrawals: If you want to withdraw crypto to a wallet, expect to pay high fees, sometimes $20 and more.
  • Complicated User Interface: The layout on the mobile app is confusing.

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Crypto.com Alternatives

If you want something with lower spread fees and a better UX, there are many great alternatives like the choices below. For more, visit our crypto exchange comparison tool or see our best overall exchanges of the year. 


OKX is a fast-growing exchange with a a sleek user-interface and low fees.

  • 400+ coins, 180+ futures
  • High volume + low fees
  • 100x leverage
  • Fewer altcoins
  • Unavailable in some areas

The world's largest exchange by trading volume with low fees and tons of features.

  • 400+ coins, 300+ futures
  • Highest volume + low fees
  • 125x leverage
  • Unavailable in some areas
  • Less beginner-friendly

BYDFi is one of the top no KYC, no VPN exchanges where anyone can sign up and trade.

  • 500 coins, 180+ futures
  • No KYC, No VPN
  • 200x leverage
  • No fiat trading pairs
  • Not beginner-friendly

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