Coinbase
vs
Binance
Crypto exchanges
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Crypto.com

Features

Feature Overview

Real Coins
Yes
Transferable to own wallet
Yes
Savings plan
Yes
Staking
Yes
NFT Marketplace
Yes
Tradingtools
Yes
Two-factor authentication
Yes
Deposit protection
No
Available for US users?
Yes

Unique Features

  • Crypto.com Visa Card
  • Earn interest on crypto
  • NFT marketplace

Tradable Assets

  • Cryptocurrencies

Trading Options

  • Derivatives
  • Margin trading (leverage)
  • Short/Long
  • Crypto.com Exchange

Crypto.com

User Interface

Our

Crypto.com

Review

Our Rating

Overall rating
8
10
Operation
8
/10
complicated
simple
Functions & Scope
7
/10
simple
extensive
Fees & costs
8
/10
high
low
Security & Trust
8
/10
low
high
Beginner friendliness
8
/10
unsuitable
very suitable
Support
5
/10
bad
good
How we rate

Conclusion

Crypto.com suits buyers in 49 US states, Washington, DC and the US territories, the EEA and the UK who want crypto, a card and, in the US, stocks in one app. Its Exchange starts at 0.25% maker and 0.50% taker; App trades carry 0.8% plus a possible spread. In our view, active traders should look at Kraken, and New York residents at Coinbase.

By  
Ethan Parker
Senior Content Editor

Pro's & Con's

What we like:
  • Available in 49 US states, Washington, DC and the US territories
  • Exchange spot fees from 0.25% maker and 0.50% taker, lower with volume or a CRO balance
  • More than 12,000 commission-free stocks and ETFs for US customers
  • MiCA license in the EEA through the MFSA
  • No Crypto.com fee on ACH deposits from 1 USD
What we don't like:
  • Not available in New York
  • App trades cost 0.8% plus a possible spread without a paid Level Up plan
  • Bitcoin withdrawals cost 0.0004 BTC on the Exchange
  • Latest published proof of reserves covers balances as of December 7, 2022
  • Two separate apps with different fee models

Customer Reviews

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Write a Review

5 / 5 average rating from 1 reviews

Owen G.
10 months ago
5

I really like Crypto.com because it's more than just a place to buy coins. They have a smooth mobile app and a cool Visa card that gives cashback in CRO, so you can spend crypto like normal money. It's easy to earn interest on tokens, and there are over 250 coins plus staking, NFTs and margin trading options. It's a good one-stop platfrom for both investing and using crypto in everyday life.

The only thing that might put off new users is that there are so many features it can be confusing at first, and some services aren't avaiable everywhere. They don’t have deposit insurance, and there is some regulatory uncertaintie, but overall I think Crypto.com is a strong choice for anyone wanting a complete crypto experience.

Our assessment

Our view of Crypto.com on each criterion of our rating, with a conclusion.
Propose change
Operation and user-friendliness

Crypto.com runs two platforms. The Crypto.com App is the main app for buying, selling and staking crypto, for cards and, in the US, for stocks and options; every account is opened there. The Crypto.com Exchange is an order-book platform on the web and in a separate Exchange App. In our view, the split keeps the main app simple, but order-book trading at maker and taker fees means a second app with its own fee model.

App store users rate the main app well: it has 4.7 on the US App Store from 334,917 ratings and 4.4 on Google Play US from 692,453 ratings.

Functions and offer

On the global Crypto.com Exchange, Crypto.com's public API lists 416 crypto assets on 571 spot pairs. Around trading, Crypto.com offers staking, Crypto Earn, recurring buys, Visa cards and an NFT marketplace, and US customers get more than 12,000 stocks and ETFs, retirement accounts (IRAs) and CFTC-regulated event contracts and options. Newer additions include the Level Up plans and tokenized stocks for users in the EEA.

The limits: the Crypto.com Exchange restricts margin trading in the United States, the United Kingdom and the EEA, and derivatives in the United States, the United Kingdom, Canada, Australia and most EEA countries. Elsewhere, its API lists 401 perpetual swaps and 10 futures.

Beginner friendliness

For a beginner, the Crypto.com App is the natural start, with buying, recurring buys and staking in one place. Opening an account requires full verification with your legal name, a government ID and a selfie; US citizens and residents submit a state-issued driver's license or ID.

The catch is cost: the App's 0.8% trading fee and the spread add up on small, regular purchases, and debit card deposits in USD cost 1.49%. In our view, a beginner who plans to buy often should compare a Level Up plan, or the Exchange's 0.25% maker fee, with the App's fee before settling in.

Fees and costs

On the Crypto.com Exchange, spot trading fees start at 0.25% for makers and 0.50% for takers when the trading volume is below $10,000 over a 30-day period. These fees reduce to 0.08% and 0.18% if the volume reaches $500,000. Holding a balance of 50,000 CRO or more eliminates the maker fee and provides a 12% discount on the taker fee. Crypto.com's entry tier is lower than the entry level fees at Kraken Pro, which are set at 0.40% and 0.80%, and Coinbase Advanced, which charges US customers 0.50% and 0.90%.

Additional costs accumulate elsewhere. The App charges a 0.8% trading fee, potentially combined with a spread. Card purchases of crypto can incur fees up to 4%, and Bitcoin withdrawals are quoted at 0.0004 BTC on the Exchange. In the US, Level Up Plus at $4.99 a month waives the App trading fee on up to $20,000 a month. In our view, the Exchange offers good value for regular traders, while the App is an expensive way to make small, frequent purchases. Our ranking of exchanges by fees compares this with other platforms.

Security and trust

On the account side, Crypto.com asks for a passkey or two-factor authentication plus an SMS code on withdrawals and offers address whitelisting with an optional 24-hour lock.

In January 2022, unauthorized withdrawals affected 483 users, according to Crypto.com; Crypto.com says customers were fully reimbursed wherever it did not stop the withdrawal. Its account protection policy offers discretionary goodwill relief of up to USD 250,000 equivalent. In our view, the account security tools are solid, and the reserve report from December 2022 is the part we would most like to see updated.

Support

Support is the criterion we rate lowest for Crypto.com. Crypto.com says it offers live customer support around the clock, through live chat in the App and on the web, and its terms warn that more complicated issues may take up to 45 days or longer to resolve. In our view, the help center is useful for self-service, with public articles on fees, limits and state availability.

Conclusion –
Crypto.com

Our verdict: in our view, Crypto.com is a good fit if you live in one of the 49 US states it serves, or in the EEA or the UK, and want crypto, a card and, in the US, stocks and options in one app. We think the Crypto.com Exchange is good value, with spot fees from 0.25% maker and 0.50% taker, while the App is an expensive way to buy at 0.8% plus a possible spread. If you trade actively, we rate Kraken higher; if you live in New York, look at Coinbase.

About

Crypto.com

Crypto.com

Centralized Exchange
The Company
Foris DAX MT Limited
Headquarters
Malta, Singapore
Company size
Large
Regulation
MFSA (EU, MiCA), FCA registration, US state licences
Founder
Kris Marszalek, Bobby Bao, Gary Or, Rafael Melo
Year of foundation
2016

Summary

Crypto.com

Crypto.com Review: Fees, US Availability, Security and Who It Suits

By
Ethan Parker
Updated on
October 3, 2026

Our verdict: In our view, Crypto.com is a good fit if you want a single app for buying crypto, spending it with a card, and, in the US, trading stocks. It is a weaker fit if you trade actively or often move bitcoin to your own wallet. In the US, Crypto.com is available in 49 states, Washington, DC, and the US territories, primarily through Foris DAX, Inc., a Delaware corporation.

The trade-off is cost. For the Crypto.com App, Crypto.com's fees and limits document lists a 0.8% trading fee, and a spread may apply on top. The Crypto.com Exchange, featuring an order book and its own app, begins at 0.25% for makers and 0.50% for takers. For Bitcoin withdrawals, Crypto.com quotes its own fee, 0.0004 BTC on the Exchange.

Crypto.com suits you if:

  • you live in a US state that Crypto.com serves, or in the EEA or the UK.
  • you want crypto, a Visa card, and, in the US, access to more than 12,000 commission-free stocks and ETFs within one app.
  • you purchase occasionally and keep your crypto on the platform.

Crypto.com might not be the right fit if:

  • you seek margin or futures in the US, as the Crypto.com Exchange restricts both for users in the United States.
  • you frequently move bitcoin to your own wallet, at 0.0002 BTC or more per withdrawal.

We rate Crypto.com higher for beginner friendliness than for its range of functions. For active traders, we rate Kraken higher, and for beginners we rate Coinbase higher. Both are detailed in the alternatives below.

Crypto exchanges by Exchange Flow score, with the number of cryptos, trading fee, withdrawal fee and US availability
Crypto ExchangeCryptosTrading FeeWithdrawal FeeFor US 
Users?
EF
Score
WEEX
1173
0.1
%
₿
0.00016
No
9.8
/10
MEXC
1262
0.05
%
₿
0.00002
No
9.6
/10
Binance
416
0.1
%
VariesBinance sets this fee itself and adjusts it to activity on the Bitcoin network. On 2026-10-03 it charged 0.00002 BTC for a Bitcoin network withdrawal, about $1.69 at Binance's BTC/USDT price.
No
9.4
/10
OKX
304
0.35OKX US entry tier (OKX INC.) for US residents. The global and EEA entry tier is 0.08% maker and 0.10% taker.
%
VariesOKX charges the Bitcoin network fee it shows on its withdrawal page, and the amount changes with network load. On 2026-10-05 it showed 0.000015 BTC, about $1.29 at the OKX BTC index price.
Yes
9.3
/10
Bitpanda
568
0.99
%
VariesBitpanda adjusts this fee to congestion on the Bitcoin network and says it earns nothing from it. On 2026-10-03 it showed 0.00000598 BTC, about $0.51 at Bitpanda's BTC price.
No
9.2
/10
KuCoin
837
0.1
%
₿
0.00009
No
8.9
/10
Bitvavo
426
0.25
%
VariesBitvavo sets this fee itself and changes it with blockchain capacity. On 2026-10-03 it charged 0.000017 BTC, about $1.44 at Bitvavo's BTC/USDC price.
No
8.8
/10
eToro
150
1
%
VariesMoving BTC from your eToro investment account to the eToro crypto wallet costs 2% of the amount (at least $1, at most $100). Sending it from the wallet to an external address then costs only the Bitcoin network fee.
Yes
8.8
/10
Kraken
629
0.8
%
VariesKraken may adjust this fee as its costs and market conditions change. On 2026-10-03 its fee page showed 0.000015 BTC for a Bitcoin withdrawal when viewed from the US.
Yes
8.8
/10
Pionex
311
0.05
%
₿
0.000018
No
8.5
/10
Bybit
393
0.1
%
VariesBybit sets this fee itself and changes it often. Between 2026-10-02 and 2026-10-05 it showed 0.000035 to 0.000068 BTC for a Bitcoin network withdrawal.
No
8.5
/10
Coinbase
407
0.9Coinbase Advanced spot entry tier for US residents. In the EU and UK the entry tier is 0.25% maker and 0.50% taker; in Brazil, India and other international markets it is 0.09% maker and 0.10% taker.
%
VariesCoinbase sets this fee from its own estimate. Estimated Bitcoin network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space).
Yes
8.3
/10
BSDEX
10
0.35
%
₿
0
No
8.2
/10
Bitfinex
68
0
%
₿
0.00006
No
8.1
/10
Bitstamp
114
0.4
%
VariesBitstamp charges its own estimate of the Bitcoin network fee plus a processing fee it does not publish, and shows the total before you confirm. Estimated network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space); the processing fee comes on top.
Yes
8.1
/10
Bitget
511
0.1
%
₿
0.00002
No
8
/10
justTRADE
73
0.125justTRADE charges no maker or taker fees. You pay a 0.125% commission per crypto order plus a spread of at least 0.175% in the price.
%
Not possiblejustTRADE does not allow transfers of crypto into or out of your account.
No
8
/10
Crypto.com
416
0.5
%
VariesCrypto.com Exchange quotes 0.0004 BTC for a Bitcoin withdrawal, about $33.82 at its BTC price on 2026-10-03. The quote is based on an estimate of network fees, so the final fee may differ.
Yes
8
/10
Trade Republic
50
0Trade Republic charges no commission on crypto trades. You pay a €1 settlement fee per trade, plus a spread in the price.
%
VariesTrade Republic charges no fee to send crypto; you pay only the Bitcoin network fee. Estimated network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space).
No
7.9
/10
Phemex
139
0.1
%
₿
0.000015
No
7.8
/10
Scalable Capital
32
1%
%
₿
0.99% - 0.69%
No
7.8
/10
CEX.IO
272
0.25
%
VariesCEX.IO lists this fee as floating and sets the amount itself. On 2026-10-03 it listed 0.000075 BTC, about $6.35 at CEX.IO's BTC price.
Yes
7.5
/10
Relai
1
1Relai charges a 1.00% service fee on transactions of €50 to €99,999.99, plus its own margin in the price.
%
No feeRelai's wallet is non-custodial, so the bitcoin you buy is held in your own wallet. Relai covers the Bitcoin network fee when you buy; when you sell, the network fee is included in the price shown.
No
7.5
/10
Plus500
24
0Plus500 offers crypto as CFDs in the EEA. It charges no fee to open or close a trade and is paid mainly through the spread built into its quoted price.
%
Not possiblePlus500 offers crypto as CFDs, so there are no coins to withdraw.
No
7.5
/10
WhiteBIT
338
0.1
%
VariesWhiteBIT bases this fee on blockchain fees and the price of bitcoin, and it can change the fee without notice. On 2026-10-08 it listed 0.00009 BTC for a withdrawal on the Bitcoin network, about $7.48 at WhiteBIT's BTC price.
No
7.4
/10
Gate.io
1464
0.1
%
VariesGate adjusts its withdrawal fees every hour based on network conditions. On 2026-10-04 its fee page showed 0.00003 BTC for a Bitcoin withdrawal, about $2.57 at Gate's BTC price.
No
7.2
/10
BitFlyer
9
0.1bitFlyer USA entry tier for Lightning Spot; bitFlyer Europe also charges 0.10%. On bitFlyer USA, the Buy/Sell service has no separate fee, but its prices include a fee of 0.1% to 6.0%, and more when prices move sharply.
%
₿
0.0004
Yes
7.1
/10
Hotcoin
285
0.2
%
₿
0.00003
No
7.1
/10
bitcoin.de
8
0.5
%
₿
0.000079
No
7
/10
Gemini
80
1.2
%
VariesGemini charges a dynamic fee meant to cover the Bitcoin network fee. Estimated network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space).
Yes
6.5
/10
LBank
885
0.1
%
₿
0.00005
No
6.3
/10
Libertex
102
0.1Libertex offers crypto only as CFDs. It charges a 0.1% commission on crypto CFDs, and the spread varies with the market.
%
Not possibleLibertex offers crypto only as CFDs, so there are no coins to withdraw.
No
6.1
/10
Upbit
360
0.05
%
₿
0.0002
No
6
/10

Crypto.com at a glance

  • Operators: Foris DAX, Inc., a Delaware corporation, in the US. Foris DAX MT Limited in the EEA. Foris DAX UK Limited in the UK. Founded in 2016
  • Status: active
  • US availability: 49 states, Washington, DC and the US territories
  • Spot fees on the Crypto.com Exchange, Level 1: 0.25% maker, 0.50% taker
  • Crypto.com App: 0.8% trading fee, plus a possible spread
  • Crypto assets: 416 on 571 spot pairs on the global Crypto.com Exchange, from its public API
  • BTC withdrawal fee: Varies. 0.0004 BTC on the Exchange, 0.0002 BTC or 0.0004 BTC in the App, depending on the amount
  • Minimum deposit: 1 USD by ACH in the App
  • Proof of reserves: latest report by Mazars Group, for balances as of December 7, 2022

Crypto.com in the US

Crypto.com's help center indicates the App is available in 49 states, plus Washington, DC, and the US territories. However, New York is excluded according to both the US App terms and the US Exchange terms. Some products differ for US users:

  • Staking is not an option in California, Maryland, New Jersey, and Wisconsin.
  • The Crypto.com Exchange provides spot trading for US retail users, excluding margin or derivatives trading.
  • In the App, US users can trade CFTC-regulated event contracts and non-margined Strike and UpDown options via Crypto.com | Derivatives North America (CDNA).
  • Over 12,000 stocks and ETFs are available exclusively to US customers, commission-free, through Foris Capital US LLC, an SEC-registered broker-dealer and FINRA and SIPC member.
  • Crypto.com's US website also markets Ult, an app with perpetual futures built by Cronos Labs, a company separate from Crypto.com. Ult's terms exclude US residents.

Foris DAX, Inc. (NMLS ID 1966158) lists money transmitter or equivalent licenses for 44 states plus Washington, DC, and Puerto Rico. Crypto.com does not list a license from the New York State Department of Financial Services (NYDFS).

For a comparison with other exchanges serving US residents, refer to our list of exchanges for US customers.

What Crypto.com costs: a worked example

Suppose you live in a US state Crypto.com serves, buy bitcoin with dollars, and send it to your wallet. Here's how Crypto.com's rates apply:

  • Funding via ACH incurs no Crypto.com fee, starting from 1 USD in the App. Debit card, Apple Pay, and Google Pay deposits in USD incur a 1.49% fee.
  • Buying in the App involves a 0.8% trading fee, and a spread may apply. Level Up Plus, costing $4.99 a month in the US, waives trading fees up to $20,000 monthly. The spread may still apply.
  • Alternatively, purchasing via the Crypto.com Exchange order book costs 0.25% for maker orders and 0.50% for taker orders at Level 1, under $10,000 of 30-day volume.
  • Withdrawing bitcoin costs 0.0004 BTC on the Exchange. In the App, costs are 0.0002 BTC below 0.002 BTC and 0.0004 BTC from 0.002 BTC.

In our view, the Exchange order book is the cheaper place to buy, while the App charges less to withdraw amounts below 0.002 BTC. The step to watch is the withdrawal: at Crypto.com's own bitcoin price, 0.0004 BTC came to about $33.82 when we checked, and Crypto.com says the final fee may differ from its quote.

Security, regulation and what protects your money

Withdrawals through Crypto.com require a passkey or two-factor authentication plus an SMS code. Address whitelisting is available, with an optional 24-hour lock on new addresses. Crypto.com says it has ISO/IEC 27001:2022 and SOC 2 Type II compliance, among others.

Crypto.com's account protection policy may offer goodwill relief of up to USD 250,000 equivalent after unauthorized withdrawals for fully verified users, at Crypto.com's discretion. In the US, dollar balances at Community Federal Savings Bank or its network banks are FDIC-insured up to $250,000, but only for bank failures, not Crypto.com failures. Crypto lacks FDIC insurance, and crypto held outside Crypto.com's broker-dealer Foris Capital is not SIPC-covered.

In the EEA, Foris DAX MT Limited holds a MiCA license as a crypto-asset service provider from the Malta Financial Services Authority (MFSA), authorized on January 27, 2025. In the UK, Foris DAX UK Limited is registered with the FCA for cryptoasset activities (FRN 941745), though this is a registration, not an FCA authorization.

Proof of reserves and incidents

Crypto.com's proof-of-reserves page still shows a review by Mazars Group of customer balances as of December 7, 2022, and we found no newer report there or in the help center. In our view, a snapshot that old says little about reserves today, and it is the weakest part of Crypto.com's security record.

January 2022 unauthorized withdrawals

On January 17, 2022, unauthorized withdrawals were approved without the users' two-factor input and affected 483 Crypto.com users, according to Crypto.com's own report. They totaled 4,836.26 ETH, 443.93 BTC and about $66,200 in other cryptocurrencies. Crypto.com says it fully reimbursed customers wherever it did not stop the withdrawal, and it added a 24-hour delay for new whitelisted addresses.

SEC investigation closed

Crypto.com says the US Securities and Exchange Commission (SEC) closed its investigation into the company with no enforcement action, which Crypto.com announced on March 27, 2025. Crypto.com had sued the SEC in October 2024 and dropped the suit in December 2024.

Alternatives to Crypto.com

For active traders: we rate Kraken higher than Crypto.com for range of functions. Kraken Pro's entry tier, 0.40% maker and 0.80% taker, costs more than the Crypto.com Exchange, but Kraken offers spot margin to eligible US retail clients and futures through Kraken Derivatives US. Kraken does not serve residents of New York or Maine. See our Kraken review and the Kraken vs Crypto.com comparison, or our list of exchanges for day trading.

For beginners and for New York: we rate Coinbase higher than Crypto.com for beginner friendliness. Coinbase accepts residents of every US state, including New York, where it holds a virtual currency license from NYDFS (license 122466), but its US entry fees on Coinbase Advanced, 0.50% maker and 0.90% taker, are higher. See our Coinbase review, the Coinbase vs Crypto.com comparison and our list of exchanges for beginners.

FAQ

Is Crypto.com available in the US?

Yes, it is available in 49 states, Washington, DC, and the US territories. However, New York is excluded by Crypto.com's US terms, and staking is unavailable in California, Maryland, New Jersey, or Wisconsin.

What are Crypto.com's fees?

Spot trading fees on the Crypto.com Exchange start at 0.25% maker and 0.50% taker, decreasing with 30-day volume or a CRO balance. In the App, Crypto.com lists a 0.8% trading fee, possibly with a spread.

What is the Crypto.com withdrawal fee for Bitcoin?

Withdrawal fees differ by platform and amount: 0.0004 BTC on the Exchange, and in the App 0.0002 BTC below 0.002 BTC and 0.0004 BTC from 0.002 BTC. Crypto.com bases these quotes on estimated network fees, so the final fee may vary.

Is Crypto.com safe?

No exchange is without risk. Licensed or registered companies in the US, the EEA and the UK, withdrawal protections such as passkeys and address whitelisting, and the reimbursement of customers after the 2022 incident work in its favor. No FDIC or SIPC cover for crypto and a protection policy that pays at Crypto.com's discretion work against it.

How we checked this review

We read Crypto.com's US and global terms, fee documents, help center and license pages, looked up its entries in the FCA register and the European register of crypto-asset service providers, counted assets and pairs through Crypto.com's public API and compared its fees with Kraken Pro and Coinbase Advanced. The Updated date on this page shows when we last brought these facts up to date.

About the author

Ethan Parker
Senior Content Editor

Ethan Parker is Senior Content Editor at Exchange Flow. He has followed crypto since 2015, from Bitcoin and Ethereum to the exchanges people use to buy and trade them.

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The information on this website is for educational purposes only and is not an investment recommendation. It should not be seen as a promise of specific outcomes or as urging you to invest. Buying cryptocurrencies is risky and could lead to losing all your invested money. This site doesn't offer investment advice. We're not responsible for the accuracy or usefulness of the information here, nor will we compensate for any financial losses.