Crypto.com Review 2026

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Crypto.com Security

In terms of security, Crypto.com has a remarkable reputation for protecting its users’ assets and data. The Crypto.com platform uses multi-layered security by combining advanced tech and user-focused protocols. Crypto.com in itself is recognized for maintaining multiple internationally recognized security standards and certifications. It now uses Real-Time Attestations via Mazars, allowing users to view the exchange’s solvency status updated every 24 hours on a public dashboard.

Beyond that, the platform implements several advanced security measures. First and foremost, users are required to enable Multi-Factor Authentication (MFA) so that the exchange has an extra layer of security by requiring multiple forms of verification during login and transactions. Crypto.com stores user funds in a cold wallet, meaning that it is offline and has minimal to no risk of online threats. Crypto.com also continuously monitors its system to detect and respond to suspicious activities promptly. Last but not least, similar to some other exchanges, Crypto.com has a Bug Bounty Program, incentivizing security researchers to identify and report any vulnerabilities that can put the company’s reputation and user funds in jeopardy. 

Nonetheless, the company has been subject to breaches over the years, despite the attempts to maintain its reputation as one of the most secure exchanges to exist. For instance, in January 2022, the company experienced a security breach where unauthorized withdrawals affected 483 user accounts, which led to $34 million in losses. The breach was attributed to a compromise in the platform’s two-factor authentication system. In response, Crypto.com took immediate action by fully reimbursing all affected users. They then transitioned from the traditional two-factor authentication to its current multi-factor authentication system. 

In tandem with these efforts to maintain high levels of security, Crypto.com started providing resources to educate its users on security best practices, such as avoiding phishing attempts, how to properly secure personal devices, recognizing potential threats, and much more. 

Crypto.com Fees

Crypto.com, having a vast range of services, also has fee structures for each service. 

Trading Fees

Spot Trading Fees: Crypto.com, similar to other exchanges, uses a maker-taker fee model, and fees are primarily determined by the trading volume over a 30-day period and the amount of CRO a user stakes.

• Maker Fees: Start at 0.25% for users with a 30-day trading volume below $10,000 and no CRO staked.
• Taker Fees: Also begin at 0.5% under the same conditions.
• Fee Reductions: Users can achieve lower fees by increasing their trading volume or staking CRO tokens. For instance, staking 5,000 CRO can reduce maker and taker fees to 0.0725%.
• Zero Fees for High Volume: Users with a 30-day trading volume exceeding $10 million and staking 50,000 CRO can enjoy 0% maker fees and 0.04% taker fees.
• Fee Schedule: Detailed information is available on Crypto.com’s official Fees & Limits page.

With more CRO staked, the fees are even lower. If staked more than 1,000,000 CRO, users can actually benefit from negative maker rates of -0.0005%

Deposit and Withdrawal Fees

Depositing crypto into the Crypto.com exchange is free of charge. Withdrawals, on the other hand, vary depending on the cryptocurrency used. For instance, Bitcoin withdrawals are 0.0005 BTC, with minimum withdrawals being 0.001 BTC. 

Considering bitcoin’s price being close to $100,000 at the time of writing, fees amount to almost $50 per withdrawal, making it not very convenient for users withdrawing frequently and in lower amounts. For the full list of deposit and withdrawal fees, you can access it here.

Deposits via ACH (Automated Clearing House) are also free. 

Credit/Debit Card Fees

If you want to buy cryptocurrencies directly with a bank card, you can do that via Crypto.com. However, depending on the region and bank used, there are fees as well. These fees average around 2.99%, but Crypto.com occasionally offers fee waivers for card purchases during promotional periods.

Crypto.com Visa Card Fees

As mentioned, Crypto.com also has its own Visa Card that users can use for ATM withdrawals, purchases, and much more. However, these cards come with some fees and limits. There are also different card tiers that determine the free limits. Each withdrawal that exceeds this limit incurs a 2% fee.

Monthly Free Limits

• Midnight Blue: $200
• Ruby Steel: $400
• Royal Indigo / Jade Green: $800
• Icy White / Rose Gold: $1,000
• Obsidian: $1,000

A 3% fee applies to all non-USD purchases and ATM withdrawals for Midnight Blue, Ruby Steel, Royal Indigo, and Jade Green cards.

To issue or reissue the card, there are also fees. Midnight Blue (first tier) has a $4.99 fee for the first physical card and $7 for reissuance. Other tiers cost $50 for reissuance. 

Furthermore, if inactive for 12 months, the card charges a fee of $4.95 per month. This fee, though, is waived once activity resumes. 

Margin Trading Futures

Margin trading uses the same fee structure as spot trading. Interest is charged on borrowed funds, with rates varying based on the asset type and amount borrowed (i.e. lower rates for USDT). There is a flat 0.5% fee on orders needed to liquidate a position, however. 

Derivatives Trading Fees

Derivatives trading fees are also based on a tiered structure, influenced by trading volume and amount of CRO staked. 

• Maker Fees: Start at 0.02% for users with a 30-day trading volume below $500,000 and no CRO staked.
• Taker Fees: Begin at 0.04% under the same conditions.
• Fee Reductions: Higher trading volumes and CRO staking can lead to reduced fees.
• Fee Schedule: Detailed information is available on the Applicable Fees page.

Other Crypto.com Fees

Crypto.com does not charge transaction fees for payments, if and only if they are made via the Crypto.com on-chain wallet. This means that if you do use other wallets, it may require you to pay ETH gas fees in order to facilitate a transaction. 

Opening an Account and Trading

Creating an account with Crypto.com is fairly easy, but engaging in trading activities requires some steps in order to ensure proper security and compliance with regulatory standards. 

First and foremost, you have to download the Crypto.com app for iOS or Android, depending on your device. Once you download and open the app, select “Create New Account.” There, you have to enter your email address, and you will receive a confirmation email where you have to click the link provided to verify your email. 

Then, you have to fill in your personal information, including your name, date of birth, nationality, and other details, and then verify your phone number. 

Post Sign-Up Verification

Once done, you have to do the Know Your Customer (KYC) verification. To do that, upload a clear photo of a government-issued ID (i.e. driver’s license) and a selfie for facial verification. This process is usually quick, but some users have reported longer waiting times for KYC to go through. Once that is done, you have to set up the Multi-Factor Authentication (MFA) so that you properly secure your account. 

Post Identity Verification Deposit

Now that you have successfully created an account, it is time to make your first deposit. If you want to deposit using fiat, you can do a bank transfer. Simply link your bank account to deposit funds via ACH or wire transfer. There may be fees related to such transfers that vary depending on the region. You can also use a credit or debit card to deposit fiat, but this method also incurs fees. 

If you want to deposit crypto directly, from an external wallet, simply transfer the desired crypto to the address of the respective crypto into your Crypto.com wallet. Make sure that you are using the correct wallet address to avoid loss of funds. You can then transfer between wallets/accounts within your Crypto.com account. 

Post Deposit Activities

Once you deposit your funds, you can now start your trading journey on Crypto.com. There are plenty of activities you can do. If you want to trade, simply go to the trading section of the platform and place your orders. Before executing an order, make sure to review order details, including fees and total cost, and confirm the transaction. 

You can place market orders, limit orders (set a specific price at which you want to buy or sell), set up recurring buys if you employ a dollar-cost averaging (DCA) strategy, set up price alerts, and much more. 

Partnerships

It’s not just the domain Crypto.com that has brought tons of exposure. The company has done a remarkable job capitalizing on that in order to secure strategic partnerships that have made the platform one of the best exchanges in the world. In March 2021, Crypto.com began its sports-related collaborations by sponsoring the Aston Martin Cognizant Formula One Team. By June 2021, the platform further cemented its presence in Formula 1 with a $100 million sponsorship deal, marking the first cryptocurrency partnership in the sport and introducing branding at F1 events and a new award. The following month, Crypto.com became the UFC’s first-ever global Official Fight Kit Partner, allowing its branding to appear on UFC athletes’ kits during competition.

In September 2021, Crypto.com extended its reach to football by becoming the official cryptocurrency platform of Paris Saint-Germain F.C. This partnership included the release of exclusive non-fungible tokens (NFTs) on Crypto.com’s platform. That same month, the Philadelphia 76ers announced Crypto.com as their official jersey patch partner. By November 2021, Crypto.com made headlines by acquiring the naming rights to Los Angeles’s iconic Staples Center. The arena, now called Crypto.com Arena, underwent a 20-year renaming deal valued at $700 million.

Crypto.com continued expanding its influence beyond sports and venues into financial and technological sectors. In September 2024, the platform partnered with Standard Chartered to launch global retail services, offering deposit and withdrawal options in US dollars, euros, and UAE dirhams to users in over 90 countries. The following month, Crypto.com collaborated with 21.co, the parent company of 21Shares, to enhance liquidity and custody solutions for 21.co’s wrapped tokens. In November 2024, Crypto.com joined forces with Triple-A, a cryptocurrency payment firm, to enable direct crypto payments, granting its global customer base access to a broader range of merchants.

Crypto.com also engaged in philanthropic efforts. In October 2021, the platform partnered with Water.org, co-founded by actor Matt Damon, donating $1 million to support the organization’s mission of providing safe water and sanitation to underserved communities. 

Crypto.com User Feedback

Crypto.com has received mixed reviews from its users, reflecting both positive experiences and notable areas for improvement.

Key Issues That Crypto.com Users Faced

• Customer Support Problems: Many users complained about slow and unresponsive customer service. Reports frequently mentioned delays in resolving account or fund-related issues, with some interactions taking weeks or never being resolved.
• High Fees and Costs: Users often cited high fees, particularly for withdrawals, which were described as excessive and unclear. Conversion fees and hidden costs during transactions also frustrate many users.
• Fund Accessibility Issues: Some users experienced difficulties accessing their funds due to frozen accounts, card blocks, or verification delays. Minimum withdrawal requirements were also noted as problematic.
• Unclear Policies: Several users found Crypto.com’s rules confusing, such as mandatory quizzes for transactions or vague withdrawal limits. Poor communication regarding account verifications and KYC processes added to the frustration.
• Technical Glitches: Users faced app issues such as 2FA problems, bugs, and delays during high traffic. These technical barriers hindered smooth transactions and account management.

Why Some Users Love Crypto.com

• User-Friendly Platform: Many users praised Crypto.com’s intuitive design, easy navigation, and reliable app functionality, making it a great choice for both beginners and experienced traders.
• Extensive Ecosystem: The platform offers a wide range of features, including a DeFi wallet, NFT marketplace, and cashback benefits with its Visa card, which users found valuable.
• Strong Crypto Selection: Crypto.com provides access to over 350 cryptocurrencies, one of the largest selections among exchanges, along with seamless wallet-to-exchange transfers.
• Innovative Features: Users appreciated the perks offered through Crypto.com’s credit cards, such as Spotify and Netflix rebates, as well as competitive staking rewards.
• Responsive Support (in Some Cases): A subset of users reported positive experiences with customer service, citing quick problem resolution and helpful interactions.

Crypto.com’s ecosystem, credit card perks, and extensive cryptocurrency selection make it stand out as a versatile platform. However, the exchange faces challenges with its customer support, high fees, and technical issues that can deter users from seeking a seamless experience. Despite these shortcomings, Crypto.com remains a popular choice due to its broad range of features and its ability to cater to both everyday users and advanced traders.

Crypto.com Supported Currencies

Users can deposit and withdraw fiat currencies, which include:

AUD, CAD, EUR, GBP, USD, BRL, TRY, and SGD.

Crypto.com also supports more than 20 fiat currencies for businesses to make payment with, including but not limited to:

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