Updated September 29, 2026 · HodlCue Editorial Team
Bitstamp vs Crypto.com
Bitstamp
Crypto.com
Higher score in this comparison
What sets them apart
| Compare | BitstampReviewSee alternativesSee alternatives | Crypto.comReviewSee alternativesSee alternatives |
|---|---|---|
| Taker fee | 0.4% | 0.02% to 0.16%Lower |
| Coins listed | 98 | 392Higher |
| Regulators | MiCA CASP authorisation (EU), Payment institution (PI) authorisation (EU), MiFID authorisation (EU), Financial Conduct Authority (FCA) MLR registration, New York State Department of Financial Services (BitLicense), FinCEN Money Services Business (MSB) registration, Monetary Authority of Singapore Major Payment Institution licence, Commission de Surveillance du Secteur Financier (CSSF) | Malta Financial Services Authority, Malta Financial Services Authority (Electronic Money Institution), Malta Financial Services Authority (MiFID II investment firm / CIF), US regulators (Designated Contract Market and Derivatives Clearing Organization), Major Payment Institution, SFC Virtual Asset Trading Platform, Malta Financial Services Authority (MFSA) |
| Fiat deposit methods | Card, ACH, Apple pay, Bank | Card, Bank, SEPA, Apple pay |
| Maker fee | 0.3% | 0.02% to 0.16%Lower |
| Withdrawal fee | 0.09% international wire transfer (minimum 15.00 USD/EUR); BTC free or 0.1% via BitGo Instant | Estimated network transaction fee, per coin |
| Derivatives | No | YesHas it |
Same on both: Proof of reserves (Yes), Exchange type (Cex).
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Key differences
- Crypto.com scores higher overall: 9.4 vs 9.1.
- Regulators: only Bitstamp offers MiCA CASP authorisation (EU), Payment institution (PI) authorisation (EU), MiFID authorisation (EU).
- Regulators: only Crypto.com offers Malta Financial Services Authority, Malta Financial Services Authority (Electronic Money Institution), Malta Financial Services Authority (MiFID II investment firm / CIF).
- Founded is lower at Bitstamp: 2011 vs 2019.
- Taker fee is lower at Crypto.com: 0.02% to 0.16% vs 0.4%.
- Maker fee is lower at Crypto.com: 0.02% to 0.16% vs 0.3%.
- Coins listed is higher at Crypto.com: 392 vs 98.
- Fiat deposit methods: only Bitstamp offers ACH.
- Fiat deposit methods: only Crypto.com offers SEPA.
- Derivatives: only Crypto.com.
Our verdict on each
Bitstamp
Bitstamp suits crypto buyers who prefer a custodial exchange with proof of reserves, several fiat deposit routes and regulation in the EU, UK, US and Singapore. The trade-off is cost: a taker fee of 0.4% sits above the buy-crypto median of 0.25%, so frequent traders should weigh it.
Crypto.com
Crypto.com suits European readers who want trading, card spending and earning in a single app, with a taker fee of 0.02% to 0.16% and a card that is free to hold. The trade-off is custody, since balances sit with the platform under custodial rather than in a wallet you control.
Score breakdown
| Area | Bitstamp | Crypto.com |
|---|---|---|
| Cost | 8.4The custodial account charges a taker fee of 0.4% and a maker fee of 0.3% on spot trading. | 9.5Higher |
| Offer | 9.2The exchange lists 98 coins, adds staking to its custodial features and funds accounts through card, ach and apple pay. | 9.7HigherTaker fees of 0.02% to 0.16%, a card with a monthly fee of $0 and Earn paying 0.25% to 12%. |
| Trust | 9.7Higher | 9.2 |
Choosing between them
Pick Bitstamp if trust matter most.
Pick Crypto.com if cost, offer, taker fee, coins listed, and maker fee matter most.
Feature by feature
| Fiat deposit methods | Bitstamp | Crypto.com |
|---|---|---|
| Card | Yes | Yes |
| Bank | Yes | Yes |
| SEPA | No | Yes |
| ACH | Yes | No |
| Apple pay | Yes | Yes |
How they place
| Ranking | Bitstamp | Crypto.com |
|---|---|---|
| Crypto exchanges | 76 of 297 | 40 of 297 |
| Where to buy crypto | 58 of 177 | 29 of 177 |
Every fact side by side
| Fact | Bitstamp | Crypto.com |
|---|---|---|
| Features | Custodial, Staking | Custodial, Self custody, StakingCovers more |
| Legal entity | Bitstamp Europe S.A. | Foris DAX MT Limited |
| Headquarters | Luxembourg | Malta |
| Founded | 2011Lower | 2019 |
| Support channels | Chat, Email, Community | Email, Chat, Help centre, CommunityCovers more |
Debit cards
| Fact | Bitstamp | Crypto.com |
|---|---|---|
| Monthly fee | Not confirmed | $0 |
| Currency conversion fee | Not confirmed | 0.2% to 2% |
| Free ATM withdrawals | Not confirmed | $200 |
| Card type | Not confirmed | Prepaid |
| Top-up fee | Not confirmed | 1% on debit/credit card top-up |
| Cashback rate | Not confirmed | 0% |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | 20 |
| Custody | Not confirmed | Custodial |
Crypto earn
| Fact | Bitstamp | Crypto.com |
|---|---|---|
| Yield | Not confirmed | 0.25% to 12% |
| Supported assets | Not confirmed | BTC, ETH, DAI, USDP, ALGO, AVAX, BNB, ADA, ATOM, EGLD, ONE, NEAR, DOT, POL, SOL, VET, ZIL, INJ, TIA, APT, KSM, KAVA, SEI, SUI, XTZ, MINA, FLIP, OSMO, GRT, AKT, ZETA, DYDX, FET, TON, AXL, BARA, LION, S, FLR, TAO, USDC, USDT |
| Lock-up terms | Not confirmed | Flexible, 1-month or 3-month fixed terms; Flash Rewards 7-day or 14-day lockups |
Where each stands against the rest
| Fact | Bitstamp | Crypto.com | Median |
|---|---|---|---|
| Taker fee | 0.4%above the median | 0.02% to 0.16%lowest quarter | 0.15% |
| Coins listed | 98above the median | 392highest quarter | 76 |
| Maker fee | 0.3%highest quarter | 0.02% to 0.16%below the median | 0.1% |
Median across 219 listed providers.
Pros and cons
Bitstamp
Pros
- Proof of reserves: yes, so listed holdings can be set against published balances.
- The regulatory record spans the EU, UK, US and Singapore: MiCA CASP authorisation (EU), Payment institution (PI) authorisation (EU) and MiFID authorisation (EU).
- Fiat deposits run through card, ach and apple pay, giving several funding routes.
Cons
- The taker fee of 0.4% is above the buy-crypto median of 0.25%.
- Derivatives: no.
- Support runs on chat, email and community only, with no phone line listed.
Crypto.com
Pros
- Taker fees run 0.02% to 0.16% and maker fees 0.02% to 0.16%, against 0.2% across ranked exchanges.
- Licensed in Malta, the US, Hong Kong and Singapore: the regulator list reads Malta Financial Services Authority, Malta Financial Services Authority (Electronic Money Institution) and Malta Financial Services Authority (MiFID II investment firm / CIF).
- A proof of reserves page is published, so the claim that customer assets are fully backed can be checked.
Cons
- Phone is not among the email, chat and help centre listed, so urgent account problems go through chat or email.
- Balances are custodial, as custodial records, so the platform holds the coins and access depends on the account staying open.
- The catalogue is shorter than some rivals: 392 against from 650 at Bitpanda.
Who each suits
Bitstamp
Who it suits
- Buyers who want a range of fiat deposit routes, card, ach and apple pay.
- Traders who put regulated status and proof of reserves ahead of the lowest possible fee.
- Holders comfortable letting a custodial exchange hold the coins, one of the features in custodial and staking.
Who should look elsewhere
- ActivTrades, where a taker fee of 0% suits traders focused on cost alone.
- bunq, whose taker fees run 0.25% to 1.99% for a different fee band.
- Bitpanda, if a coin list of from 650 matters more than an exchange with staking.
Crypto.com
Who it suits
- European readers who want a regulated account, a prepaid card and staking in a single app, since custodial, self custody and staking covers custodial and self-custody alongside staking.
- Readers who spend in the currency they hold, with 20 currencies supported and an ATM allowance of $200.
- Readers who want a deep catalogue at low spreads, with 392 coins listed and derivatives trading on the same platform.
Who should look elsewhere
- Readers chasing the longest coin list should look at Bitpanda, which shows from 650 against Crypto.com's 392.
- Readers who want a commission-free schedule can find one at ActivTrades, listed at 0%.
Questions about each
Bitstamp
What are Bitstamp's trading fees?+
On the standard custodial account, the taker fee is 0.4% and the maker fee is 0.3% on spot trading. That taker fee is above the buy-crypto median of 0.25%, so regular trading costs more here than at the cheaper end of the market.
How many coins are listed on Bitstamp?+
Bitstamp lists 98 coins, which sits above the buy-crypto median of 60 but well under the category maximum of 20,000. Buyers chasing long-tail tokens will find a shorter list than the largest venues on the comparison.
Crypto.com
What does it cost to trade on Crypto.com?+
Trading fees are where costs begin. Taker fees run 0.02% to 0.16% and maker fees 0.02% to 0.16%, against 0.2% across ranked exchanges. Withdrawals are charged as an estimated network transaction fee per coin, so the cost follows the chain you withdraw on rather than the exchange.
How many coins can I buy?+
The exchange lists 392 coins, above the 74.5 typical of ranked exchanges, though Bitpanda shows from 650. The feature list reads custodial, self custody and staking, so self-custody is available alongside the default custodial account. Staking is offered on the same balances.
Other options to compare
Other matchups
Related by the facts
- Coinbase, also regulated by Commission de Surveillance du Secteur Financier (CSSF)
- Providers with Card, ACH, Apple pay, Bank, SEPA
- Providers available in Australia
- Wirex Card, also regulated by Malta Financial Services Authority
- Providers available in Canada
- Gemini, also regulated by Malta Financial Services Authority (MFSA)
Bitstamp
Crypto.com