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Updated September 29, 2026 · HodlCue Editorial Team

Crypto.com vs Kraken

Crypto.com scores 9.4 and Kraken 9.4 out of 10. Compare their differences and shared features below.
Kraken

Kraken

9.4/10
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Crypto.com

Crypto.com

Higher score in this comparison

9.4/10
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Crypto.com vs Kraken: the differences

Crypto.com vs Kraken
CompareCrypto.comCrypto.comReviewSee alternativesSee alternativesKrakenKrakenReviewVisitVisit
Taker fee0.02% to 0.16%Lower0.05% to 0.8%
Coins listed392728Higher
RegulatorsMalta 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)Central Bank of Ireland, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI)
Fiat deposit methodsCard, Bank, SEPA, Apple payCard, Bank, SEPA, ACH, Apple payCovers more
Maker fee0.02% to 0.16%0% to 0.4%Lower
Withdrawal feeEstimated network transaction fee, per coinNot confirmed

Same on both: Proof of reserves (Yes), Derivatives (Yes), Exchange type (Cex).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • 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).
  • Regulators: only Kraken offers Central Bank of Ireland, Financial Conduct Authority, Financial Crimes Enforcement Network.
  • Crypto.com is licensed in 3 more countries.
  • Taker fee is lower at Crypto.com: 0.02% to 0.16% vs 0.05% to 0.8%.
  • Maker fee is lower at Kraken: 0% to 0.4% vs 0.02% to 0.16%.
  • Coins listed is higher at Kraken: 728 vs 392.
  • Fiat deposit methods: only Kraken offers ACH.
  • Features: only Crypto.com offers Custodial, Self custody, Staking.
  • Features: only Kraken offers Multi currency, Crypto, Virtual card.

Our verdict on each

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.

Read the full Crypto.com review

Kraken

Kraken suits frequent crypto users who keep trading balances on exchange and want those balances spendable through a card without added card upkeep. It pairs a debit card on Mastercard with a monthly fee of €0 and conversion fees of 0%, which keeps routine spend predictable for cardholders.

Read the full Kraken review

Score breakdown

Crypto.com vs Kraken
AreaCrypto.comKraken
Cost9.5Higher9.3Monthly charge of €0 with conversion fees of 0% keeps routine card costs contained.
Offer9.7HigherTaker fees of 0.02% to 0.16%, a card with a monthly fee of $0 and Earn paying 0.25% to 12%.9.0Card access to 728 with staking on ATOM, SCRT and KSM widens use beyond payments.
Trust9.29.7HigherSupervision linked to Central Bank of Ireland, Financial Conduct Authority and Financial Crimes Enforcement Network supports confidence in handling.

Availability and regulation

Crypto.com vs Kraken
CountryCrypto.comKraken
Hong KongNot confirmed
IrelandNot confirmed
Central Bank of Ireland (CBI) MiCA CASP 9845003D98SCC2851458
IE_CBI PSD_EMI IE_CBI!C453020
Malta
Malta Financial Services Authority (MFSA) MiCA CASP 2549005CVR5HH70FDO07
Not confirmed
SingaporeNot confirmed
United StatesNot confirmed

How they place

Crypto.com vs Kraken
RankingCrypto.comKraken
Crypto exchanges40 of 2979 of 297
Crypto futures exchanges23 of 786 of 78
Where to buy crypto29 of 1775 of 177
Crypto debit cards31 of 1459 of 145

Every fact side by side

Crypto.com vs Kraken
FactCrypto.comKraken
FeaturesCustodial, Self custody, StakingMulti currency, Crypto, Virtual card, Travel
Legal entityForis DAX MT LimitedNot confirmed
HeadquartersMaltaNot confirmed
Founded2019Not confirmed
Support channelsEmail, Chat, Help centre, CommunityNot confirmed

Debit cards

Crypto.com vs Kraken
FactCrypto.comKraken
Monthly fee$0€0
Currency conversion fee0.2% to 2%0%Lower
Free ATM withdrawals$200€0
Card typePrepaidDebit
Top-up fee1% on debit/credit card top-upNot confirmed
Cashback rate0%0.5% to 2%Higher
Card networkVisaMastercard
Currencies20600Higher
CustodyCustodialSelf custody

Crypto earn

Crypto.com vs Kraken
FactCrypto.comKraken
Yield0.25% to 12%Not confirmed
Supported assetsBTC, 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, USDTNot confirmed
Lock-up termsFlexible, 1-month or 3-month fixed terms; Flash Rewards 7-day or 14-day lockupsNot confirmed

Crypto wallets

Crypto.com vs Kraken
FactCrypto.comKraken
Wallet typeNot confirmedMobile
PriceNot confirmed$0
Coins supportedNot confirmed728
Backup optionsNot confirmedSeed

Where each stands against the rest

Crypto.com vs Kraken
FactCrypto.comKrakenMedian
Taker fee0.02% to 0.16%lowest quarter0.05% to 0.8%below the median0.15
Coins listed392highest quarter728highest quarter76
Maker fee0.02% to 0.16%below the median0% to 0.4%below the median0.1

Median across 219 listed providers.

Pros and cons

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.

Kraken

Pros

  • Monthly fee of €0 keeps ongoing card costs low for regular spenders
  • Conversion fees of 0% favour cross border card use versus Bit2Me at 0.95%
  • Cashback of 0.5% to 2% adds value on eligible card spending

Cons

  • Free ATM allowance of €0 restricts cash withdrawals for frequent ATM users
  • Support runs on chat and help centre only, which limits choice for people who prefer phone help
  • Cashback of 0.5% to 2% varies by activity, so returns depend on card use

Who each suits

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%.

Kraken

Who it suits

  • Exchange holders who want trading balances spendable by card rather than moved off venue
  • Card payers who value low upkeep and who accept eToro instead where ATM needs dominate

Who should look elsewhere

  • Cash heavy users who may prefer eToro for its free ATM range of €2,500 to €12,000 over €0
  • Phone support seekers who may prefer bunq if assisted channels matter more than chat and help centre

Questions about each

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.

Kraken

What does the Kraken card cost to keep and use?+

The card carries a monthly fee of €0 and conversion fees of 0%. Cashback of 0.5% to 2% applies to eligible spend. Exchange trading uses maker fees of 0% to 0.4% and taker fees of 0.05% to 0.8%, so card costs stay distinct from trading costs.

Who regulates Kraken for this product?+

Kraken lists oversight connected to Central Bank of Ireland, Financial Conduct Authority and Financial Crimes Enforcement Network and holds registrations including MiCA CASP 9845003D98SCC2851458. The legal entity named is Payward Europe Solutions Limited. These permissions relate to crypto and payment services and vary by product and domicile.

Other options to compare

Kraken

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Crypto.com

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