Updated September 28, 2026 · HodlCue Editorial Team
Coinmama vs Crypto.com
Coinmama
Crypto.com
Higher score in this comparison
Where Coinmama and Crypto.com differ
| Compare | CoinmamaReviewSee alternativesSee alternatives | Crypto.comReviewSee alternativesSee alternatives |
|---|---|---|
| Taker fee | 0.99% to 3.9% | 0.02% to 0.16%Lower |
| Coins listed | from 500 | 392 |
| Withdrawal fee | No transaction fee on crypto withdrawals | Estimated network transaction fee, per coin |
| Regulators | Not confirmed | 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) |
| Maker fee | Not confirmed | 0.02% to 0.16% |
| Proof of reserves | Not confirmed | Yes |
| Derivatives | Not confirmed | Yes |
Same on both: Fiat deposit methods (Card, Bank, SEPA, Apple pay), Exchange type (Cex).
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Key differences
- Crypto.com scores higher overall: 9.4 vs 8.9.
- Taker fee is lower at Crypto.com: 0.02% to 0.16% vs 0.99% to 3.9%.
- Features: only Crypto.com offers Custodial, Staking.
Our verdict on each
Coinmama
Coinmama suits buyers who want card, bank, SEPA and mobile wallet funding with coins delivered to a wallet they control. The catch is the trade rate: taker fees of 0.99% to 3.9% run well above what most of these exchanges charge, so it earns a place for simple fiat buying rather than cost sensitive trading.
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 | Coinmama | Crypto.com |
|---|---|---|
| Cost | 8.2 | 9.5Higher |
| Offer | 9.8Higher | 9.7Taker fees of 0.02% to 0.16%, a card with a monthly fee of $0 and Earn paying 0.25% to 12%. |
| Trust | Not confirmed | 9.2 |
How they place
| Ranking | Coinmama | Crypto.com |
|---|---|---|
| Crypto exchanges | 129 of 297 | 40 of 297 |
| Where to buy crypto | 98 of 177 | 29 of 177 |
Every fact side by side
| Fact | Coinmama | Crypto.com |
|---|---|---|
| Features | Self custody | Custodial, Self custody, StakingCovers more |
| Legal entity | Not confirmed | Foris DAX MT Limited |
| Headquarters | Not confirmed | Malta |
| Founded | Not confirmed | 2019 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Debit cards
| Fact | Coinmama | 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 | Coinmama | 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 | Coinmama | Crypto.com | Median |
|---|---|---|---|
| Taker fee | 0.99% to 3.9%highest quarter | 0.02% to 0.16%lowest quarter | 0.15 |
| Coins listed | from 500highest quarter | 392highest quarter | 76 |
| Maker fee | Not confirmed | 0.02% to 0.16%below the median | 0.1 |
Median across 219 listed providers.
Pros and cons
Coinmama
Pros
- Crypto withdrawals carry no transaction fee, so money leaves the platform without an exit charge.
- Fiat deposits cover card, bank and sepa, so funding does not have to run through a bank only setup.
- A coin list of from 500 coins is broader than the 60 seen in the buy crypto category.
Cons
- Taker fees of 0.99% to 3.9% sit above the 0.2% median across the exchanges on the site.
- The rate is the heaviest of the brands compared, above 0.25% to 1.99% at bunq and 0% at ActivTrades.
- The coin list of from 500 trails Bitpanda's from 650.
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
Coinmama
Who it suits
- New buyers funding an account by card or bank transfer.
- Anyone who wants coins delivered into a wallet they control.
- Buyers who want no transaction fee on crypto withdrawals.
Who should look elsewhere
- Active traders: ActivTrades takes a taker fee of 0% against Coinmama's fees of 0.99% to 3.9%.
- Broader coin lists: Bitpanda's list starts higher, at from 650.
- Cost sensitive buyers: bunq charges taker fees of 0.25% to 1.99%, well below Coinmama's 0.99% to 3.9%.
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
Coinmama
What does Coinmama charge for trading?+
Coinmama charges taker fees of 0.99% to 3.9% on trades, which is the cost that matters most here. That sits above the site median of 0.2% and above the 0.25% typical of buy crypto platforms, so anyone trading often pays more than the category norm.
What does it cost to take coins out?+
Crypto withdrawals carry no transaction fee, so the platform adds no charge for moving coins to your own wallet. The expense in a round trip still includes the taker fee of 0.99% to 3.9% paid on the trade, and that is where the real cost sits.
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
Coinmama
Crypto.com