Crypto.com review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Readers who want low trading fees, staking and a card with a monthly fee of $0 under a Malta licence.
- Taker fee
- 0.02% to 0.16%↗
- Coins listed
- 392↗
- Regulators
- 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, Bank, SEPA, Apple-pay↗
- Maker fee
- 0.02% to 0.16%↗
- Proof of reserves
- Yes↗
- Withdrawal fee
- Estimated network transaction fee, per coin↗
- Derivatives
- Yes↗
- Exchange type
- Cex↗
- Legal entity
- Foris DAX MT Limited↗
- Headquarters
- Malta↗
- Founded
- 2019↗
- Support channels
- Email, Chat, Help-centre, Community↗
- Features
- Custodial, Self-custody, Staking
- Official website
- crypto.com
Debit cards
Crypto earn
- Yield
- 0.25% to 12%↗
- Supported assets
- 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
- Flexible, 1-month or 3-month fixed terms; Flash Rewards 7-day or 14-day lockups↗
Facts checked September 26, 2026, 11 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
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.
- The prepaid card carries a monthly fee of $0 and a free ATM allowance of $200.
- Deposits run through card, bank and sepa, so a bank transfer, card or SEPA transfer all cover the usual routes.
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.
- Card top-ups cost 1% on debit/credit card top-up, and the cashback rate on spending is 0%.
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%.
Safety and regulation
Crypto.com's licences reach across several markets. 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), and the Malta registration appears as MiCA CASP 2549005CVR5HH70FDO07. A proof of reserves page is published for the exchange, so the claim that customer assets are fully backed can be checked. For a European customer the Malta entry carries the most weight, since the other entries describe payment and derivatives work in separate markets.
Regulation
The registration behind the European business sits with the Malta Financial Services Authority and is listed as MiCA CASP 2549005CVR5HH70FDO07. That identifier is the point to check on the regulator's own register, because it names the legal entity behind the brand. Entries covering payment and derivatives work in other markets describe different parts of the group, so the Malta licence is the reference point for a European customer judging where the money sits.
Trading and withdrawal fees
Trading costs sit at the cheap end of the market. Taker fees run 0.02% to 0.16% and maker fees 0.02% to 0.16%, against 0.2% across the exchanges ranked here. Withdrawals are billed as an estimated network transaction fee per coin, so the cost of moving funds follows the chain you withdraw on rather than a set exchange charge. Transfers on heavier networks are therefore the part of the cost base that scales with your own choices.
Currency and spending abroad
Spending money is where the charges become visible. Currency conversion on card purchases runs 0.2% to 2%, which is the number to weigh before using the card in another currency. The app supports 20 currencies, so balances can be held in the currency you actually pay in rather than converted on every purchase. ATM withdrawals include a free allowance of $200, well above €118.23 across the site.
Who runs it
The business behind the app is Foris DAX MT Limited, headquartered in Malta and founded in 2019. The same entity is registered with the Malta Financial Services Authority under MiCA CASP 2549005CVR5HH70FDO07, so the company on the register matches the brand readers sign up to. Support runs on email, chat and help centre, so written answers and live chat are the routes available.
How Crypto.com compares
9.4 vs 9.5- 9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.7ActivTrades lists a taker fee of 0%, which suits readers whose priority is commission-free trading rather than a card and staking.
9.4 vs 9.4
9.4 vs 9.6
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 9.0
9.4 vs 8.2
9.4 vs 8.2
9.4 vs 9.7
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.0
9.4 vs 8.7
9.4 vs 8.6
Where Crypto.com is available
- Licence in Malta
- Malta Financial Services Authority, checked September 26, 2026
- Licence in Malta
- Malta Financial Services Authority (Electronic Money Institution), checked September 26, 2026
- Licence in Malta
- Malta Financial Services Authority (MiFID II investment firm / CIF), checked September 26, 2026
- Licence in United States
- US regulators (Designated Contract Market and Derivatives Clearing Organization), checked September 26, 2026
- Licence in Singapore
- Major Payment Institution, checked September 26, 2026
- Licence in Hong Kong
- SFC Virtual Asset Trading Platform, checked September 26, 2026
- Licence in Malta
- Malta Financial Services Authority (MFSA) (MiCA CASP 2549005CVR5HH70FDO07), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
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.
What does the card cost to hold and use?+
The prepaid card carries a monthly fee of $0. Debit and credit card top-ups cost 1% on debit/credit card top-up, currency conversion on purchases runs 0.2% to 2%, and the cashback rate is 0%. ATM withdrawals include a free allowance of $200 on the visa network.
Is Crypto.com regulated?+
Yes. Licensing spans several markets: Malta Financial Services Authority, Malta Financial Services Authority (Electronic Money Institution) and Malta Financial Services Authority (MiFID II investment firm / CIF). The European entity is registered as MiCA CASP 2549005CVR5HH70FDO07, and that identifier is what to check on the regulator's register before an account is funded. Readers who want to know which company holds their balance can start there.
Who holds my coins?+
Crypto.com holds them. Custody is custodial, so balances sit with the platform rather than in a wallet you control, and a proof of reserves page is published so the backing claim can be checked. Self-custody is listed among custodial, self custody and staking for readers who want to manage keys themselves.
How do I deposit money?+
Deposits run through card, bank and sepa. Bank transfer is the most used route among ranked exchanges, at 91.8%, and it avoids 1% on debit/credit card top-up that debit and credit card top-ups carry. Card and SEPA transfer are available as well, which suits smaller, more regular top-ups.
What can I earn by leaving coins on the platform?+
The Earn product pays 0.25% to 12%, from a small floor to a much higher ceiling depending on the coin and the term. Lock-up terms are flexible, with fixed terms and shorter Flash Rewards lockups, so readers can match the commitment to how long they plan to leave funds untouched.
How do I get help?+
Support runs on email, chat and help centre. A help centre is the most common route across the brands tracked here, at 79.6%, and Crypto.com has one. Phone is not among the channels in email, chat and help centre, so urgent cases go through chat or email.
Sources
- coingecko.com/en/exchanges/crypto_com checked September 26, 2026
Backs: Coins listed, Founded, Exchange type, Maker fee, Taker fee
“id=crypto_com; coins=392; pairs=539”
- defillama.com/cex/crypto-com checked September 26, 2026
Backs: Proof of reserves
“slug=crypto-com; category=CEX; tvl=2470690659.865562”
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=MT”
- crypto.com/earn checked September 26, 2026
Backs: Supported assets, Yield
“21+ cryptocurrencies and stablecoins available, with exclusive Private Members' perks.”
- crypto.com/eea checked September 26, 2026
Backs: Derivatives, Features, Fiat deposit methods, Support channels
“Prediction is an event contract which is a derivatives product.”
- crypto.com/eea/fees-limits checked September 26, 2026
Backs: Withdrawal fee
“The quoted fee is based on an estimate of the network transaction fees. The final fee may differ from the estimated fee”
- crypto.com/eea/licenses checked September 26, 2026
Backs: Regulators
- crypto.com/en/app checked September 26, 2026
Backs: Currencies, Custody
“Supports over 20 currencies, including USD, GBP, and SGD.”
- crypto.com/en/cards checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Cashback rate, Monthly fee, Card network
“Free ATM withdrawals $200 USD (per month) - Midnight Blue”
- help.crypto.com/en/articles/2996965-crypto-earn-how-does-... checked September 26, 2026
Backs: Lock-up terms
“Flexible holding term, 1-month fixed term, 3-month fixed term”
- help.crypto.com/en/articles/5977463-crypto-com-prepaid-vi... checked September 26, 2026
Backs: Currency conversion fee, Top-up fee
“Foreign Transaction Fee: Midnight: All non-EUR purchases and ATM transactions will be charged as follows - Within the EU and UK 0.2%; Outside the EU and UK 2.0%”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Crypto.com
Readers who want low trading fees, staking and a card with a monthly fee of $0 under a Malta licence.