Crypto.com Review: Opinions and Complete Analysis in 2026

Written by Exchange Selector Team

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Before we dive into the detailed analysis, here's a summary of Crypto.com's key metrics at a glance.

Quick overview

Crypto.com

4,5/5

Europe MiCA Visa Card Phone app

Headquarters

Singapur (UE: Malta)

Regulated by

MiCA (Markets in Crypto-Assets)

Cryptocurrencies

More than 400

Maker fee

0,25 %

Taker fee

0,50 %

Minimum deposit

1 €

Ideal for

UE users with app and card

Abrir cuenta en Crypto.com

Investing in cryptocurrencies carries the risk of partial or total loss of capital. The content of this review
is informative and does not constitute financial advice.

Crypto.com: the all-in-one crypto app to buy, earn and pay

Crypto.com is one of the world’s largest crypto platforms, with more than 150 million users since 2016. It works as an all-in-one app: you buy, sell and store over 400 cryptocurrencies, and also offers earn, staking and a Visa card. Base fees of 0.25 % maker and 0.50 % taker, minimum deposit €1.

In Europe it operates under a MiCA license, granted by the Malta regulator (MFSA) to Foris DAX MT Limited, its European entity, which allows it to serve throughout the European Economic Area. Outside of Europe, products and licenses vary by country: check what’s on offer in your country before registering.

Advantages:

• More than 400 cryptocurrencies and all in one app
• Visa card with up to 5% in CRO rewards
• MiCA, EMI and MiFID II licenses

Disadvantages:

• MiCA, EMI and MiFID II licenses
• Earn and staking are outside the MiCA framework
• Base fees of 0.25% for makers and 0.50% for takers

Where is Crypto.com available? Over 150 countries

Crypto.com is available in more than 150 countries and territories across Europe, the Americas, Asia, Africa and Oceania, with products that vary by region. In Europe it covers the entire European Economic Area, including Spain, as well as Switzerland. Outside the EU it operates in the UK, Canada, Singapore, Australia and much of the US.

Products are not the same in all countries: functions, assets and regulation depend on your verified residence. For example, staking or tokenized actions can vary from one region to another. Before registering, check in the app which services you have available.

Crypto.com app - buys and manages more than 400 cryptocurrencies

The Crypto.com app is a brokerage platform from which you can buy, sell and manage over 400 cryptocurrencies. Offers commission-free euro deposits from Crypto.com, although your bank may charge you their fees. In addition, it brings together cryptocurrency baskets, staking, Earn, payments and Visa Card in one place.

Depositing cryptocurrencies and exchanging one for another costs 0%, while withdrawals to an external address vary by asset. The app holds your cryptocurrencies in your name, unlike Crypto.com Onchain, which is non-custodial. Also includes price alerts and recurring buy bots, target price, and TWAP.

Deposit on Crypto.com: free crypto, euros per SEPA

Depositing cryptocurrencies on the Exchange costs nothing and has no limits, whether you send them from the Crypto.com app or from an external wallet. The time of arrival depends on the confirmations that each currency requires, and you see them when clicking Deposit on the Balances page.

To enter traditional money USD and EUR are admitted. In euros, the way is SEPA transfer: it has no commission and allows deposits between €20 and €1,000,000. You can also buy crypto with a debit or credit card, although it costs up to 4% and has a weekly cap that increases depending on your CRO level.

Withdraw from Crypto.com: instant to your app

Withdrawing cryptocurrencies from the Exchange to an external address is a transaction in the chain, so it carries network commission. This commission is deducted in the currency you receive and cannot be paid with CRO. External withdrawals take 2-3 hours; those going to the Crypto.com app are instant.

To avoid commission when transferring funds to your app, use the Withdraw to App feature: it costs to transfer them in a chain. In fiat, USD and EUR work the same as in deposits. The withdrawal in euros by SEPA costs €1, with a minimum of €80 and caps of €100,000 per day and €500,000 per month.

Fees on Crypto.com: from 0.25 % maker and 0.50 % taker

On the Exchange you pay a commission for each spot trade, which depends on two things: your volume over the last 30 days and whether your order is maker or taker. The maker stays in the book waiting for counterpart; the taker is running at the moment. You start with a 0.25% maker and a 0.50% taker.

If you keep CRO balance, the maker is free and the taker gets a 12% discount. At VIP levels, from $1 million in volume, the maker reaches 0% and the taker drops to 0.025% (0.022% with CRO). The last VIP level is by invitation only.

Crypto.com Level Up: levels with advantages according to your plan

Level Up is the level program of Crypto.com. Each level, from Basic to Private, defines which card you can order and what advantages you have: zero trading fees up to a certain volume, crypto rewards for spending on the card and performance for cash. Basic is free, Plus and Pro are monthly or annual subscriptions, and Private requires blocking CRO.

Level is maintained with quota or CRO block at 12 months. Payment plans include 30-day trial, flexible cancellation, virtual Visa card and subscription refunds. Currency exchange fees are 0% on Plus, Pro and Private. Cash returns are variable and depend on the level.

Crypto.com Visa Card - spend your cryptocurrencies just like any other card

The Crypto.com card is a prepaid card that is charged from your cryptowallet, your cash account or a credit or debit card. Not linked to your bank account. Purchases give rewards in CRO, which reach your wallet after each transaction, and the percentage depends on the card level you have.

To request it you have to join Level Up: depending on the plan or CRO blocking, you access one level or another. Reloading with a card costs 1%, and at ATM is only free up to the monthly limit of each level. If you don’t use it for 12 months, an inactivity fee starts to be charged.

Crypto.com card types

There are five levels, from free Midnight Blue to Obsidian. The higher the level, the more reward CROs, the more free cashiers and the more benefits such as refunds on subscriptions and lounges in exchange for a higher CRO fee or block.

Tokenized shares on Crypto.com

Tokenized stocks replicate 1:1 the price of US listed securities and are traded on the Cronos blockchain from the app. There are about 1,500 between stocks and ETFs, such as TSLA, NVDA, AAPL, QQQ or SPY. They are purchased from $1, with no trading commission, and can be traded 24/7, even on weekends and holidays.

Give economic exposure to the price, but not ownership of shares: no voting rights or issuer communications. Dividends come as equivalent contractual payments. You can withdraw tokens to Cronos. In Spain they operate under the Cypriot subsidiary of Crypto.com (CySEC, MiFID II), with a compensation fund of up to €20,000 per client.

Crypto.com Pay - Pay with cryptocurrency in retail stores

Crypto.com Pay allows you to use your cryptocurrencies, such as BTC, ETH or CRO, to pay in more than 300,000 trades from the app. You can also buy gift cards from brands such as Apple, Starbucks, Nike or Adidas with cryptos, with up to 10% reward. Gift card availability varies by country.

In addition, it allows instant and commission-free transfer of money or cryptocurrencies, though only between Crypto.com users and subject to local restrictions. Merchants can register to accept payments in cryptocurrencies. When paying with crypto, other transaction fees may apply and, depending on your country, the expense may have tax implications.

Crypto Baskets from Crypto.com: diversify with a single tap

Crypto Basket is a feature of the Crypto.com app that allows you to buy multiple tokens at once grouped in a theme basket, such as Big 3, Solana, DeFi, AI or Meme. It’s a quick way to diversify without buying each cryptocurrency separately. There are up to 34 baskets available, and you can also create your own.

You can enable automatic rebalancing to maintain your portfolio allocation, schedule recurring purchases and estimate gains and losses with the DCA calculator. Your own baskets are created with the AI Basket Maker or by hand. The returns shown are past and do not guarantee future results.

Crypto.com Earn: performance for your cryptocurrencies

Crypto.com Earn allows you to generate rewards with the cryptocurrencies you already have in the app. There are more than 21 cryptocurrencies and stablecoins available, with rates depending on the token and level. For example, Bitcoin offers up to 1.5% per year at level 1 and Ethereum up to 4%. Rewards are paid weekly.

Earn Plus offers up to 3% annually at USDT and USDC, with a higher allocation limit. The rewards are a simple daily rate and not capitalized. Beware: Earn is not a product regulated by MiCA, so it does not have the protections of that regulation. Rates vary by jurisdiction.

Staking on Crypto.com: rewards for chain-staking

Crypto.com allows you to staking in chain from your app: choose a token, confirm and start receiving rewards generated by the blockchain protocol. You can cancel the stake at any time after the activation period, although some networks impose decoupling periods during which no rewards are generated.

There are about 25 assets available, with estimated returns of up to 15.62% APR at ATOM. Rewards are paid up to three times per week, according to the protocol, and rates are not guaranteed nor include Crypto.com fees. There is also liquid stake for ETH, which gives a tradable receipt token.

DeFi Staking on Crypto.com: DeFi token rewards

DeFi Staking allows depositing tokens on DeFi protocols from the app or the Crypto.com Exchange and receiving rewards up to three times a week, without limits. Rates depend on the token: from 2.74% annually in Ethereum or 6.59% in Solana to very high figures in small tokens like Capybara (212.10%).

The rates are estimated, do not include Crypto.com fees and vary according to the blocking period. Only assets in active stake earn rewards, and the actual payout depends on protocol performance. Extreme returns tend to come with more risk. It’s not the same as chain stake.

Security on Crypto.com: 1:1 certifications and reservations

Crypto.com supports its security in a broad set of certifications, including ISO/IEC 27001:2022, ISO/IEC 27701, ISO 22301, PCI DSS v4.0 level 1 and SOC 2 type II. It applies a zero-trust model, strict cold- and hot-wallet access controls, and a bug reward program in HackerOne.

Claims to maintain institutional 1:1 reserves of client assets, verifiable with a reserve test from an independent firm. On the account it offers access keys, FIDO2, biometric MFA and whitelist of withdrawal addresses with verification by mail. Fiat money is kept in EU banks.

Crypto.com customer service and support

Support is mostly managed from the app itself, with a chat integrated in the help section, and also from the chat web (chat.crypto.com). There is also a help center with hundreds of articles organized by product: card, cash account, Exchange, Pay, security and more.

For formal complaints there is a separate procedure: they are sent by mail to complaints@crypto.com or by chat. Crypto.com acknowledges receipt within 2 business days and gives a final response in a maximum of 15. If there is no agreement, the Malta Financial Services Arbitrator can be contacted.

Final Verdict: Is Crypto.com Worth It in 2026?

Crypto.com is a good choice for European users who want to buy, earn and pay with crypto from a single app. Combines MiCA license from Malta, more than 400 cryptocurrencies, 0.25% maker and 0.50% taker base fees, Visa card with CRO rewards and tokenized actions, all in the same account.

Their weak point is the fees: without Level Up and blocked CRO they are not among the lowest on the market. Also, Earn and staking are out of MiCA, so they don’t have their protections. Fits better with someone who prioritizes comfort and card than with someone looking for the minimum cost. We rated it 4.5 out of 5.

This review is based on actual platform usage and official information from Crypto.com. The data was reviewed in October 2026 and we updated the review as conditions changed. If you find any outdated data, write to us and we will correct it.

Written by the Exchange Selector Team

Exchange Selector is an independent cryptocurrency exchange comparison platform designed to help users make informed decisions in a complex and ever-changing market.

Revisado por última vez: octubre 2026