Crypto.com review

This Crypto.com review covers one of the most widely used crypto apps in the world, as of October 2026. Crypto.com was founded in Hong Kong in June 2016 under the name Monaco by Kris Marszalek, Bobby Bao, Gary Or and Rafael Melo, adopted its current name in 2018 and is run from Singapore, with Marszalek as CEO. It says it has more than 150 million users.

The brand covers several products: the Crypto.com App, a broker-style app for buying, selling, staking and spending crypto; the Crypto.com Exchange, an order-book platform for active traders; Visa cards; and the Onchain self-custody wallet. Its native token, CRO, unlocks fee discounts and card benefits. In July 2026, the company announced a $400 million strategic investment from Citadel Securities.

Regulation and licences

Crypto.com has one of the widest licence portfolios in the industry. In the EU, Foris DAX MT Limited was authorised as a crypto-asset service provider by the Malta Financial Services Authority on 27 January 2025, one of the first authorisations under the MiCA regulation, and is passported to the other EEA countries according to the ESMA register. Foris MT Limited is an MFSA-authorised electronic money institution, and the group also holds a MiFID II licence for tokenized stocks in the EEA.

Elsewhere, Crypto.com was registered by the UK’s FCA as a cryptoasset business in August 2022, is registered with FinCEN in the United States and holds money transmitter licences in several states. Its US derivatives arm is regulated by the CFTC, and it received conditional approval from the OCC for a national trust bank charter in February 2026. In Canada it is registered with FINTRAC and obtained restricted dealer status in May 2025.

On enforcement, Crypto.com received a Wells notice from the SEC in 2024 and responded by suing the regulator in October 2024; the SEC closed its investigation in 2025. It also signed a partnership with Trump Media in August 2025, later turned into a marketing agreement in August 2026, and its large donations to Republican political causes have been widely reported.

Crypto.com fees

Fees depend on the product. On the Crypto.com Exchange, the fee schedule updated on 14 October 2026 sets the following spot rates, based on 30-day volume:

30-day spot volume	Maker / taker	With a CRO balance of 50,000 or more
Under $10,000	0.25% / 0.50%	0% / 0.44%
From $10,000	0.20% / 0.40%	0% / 0.352%
From $50,000	0.15% / 0.25%	0% / 0.22%
From $250,000	0.10% / 0.20%	0% / 0.176%
From $500,000	0.08% / 0.18%	0% / 0.1584%

At the entry tier, a $1,000 market order on the Exchange costs $5 in taker fees, higher than the 0.1% to 0.2% common on large order-book exchanges. Holding CRO lowers this but adds exposure to a volatile token. In the main App, prices include a spread and the cost is shown before you confirm; compare it with the Exchange price before large purchases. Forced liquidations on margin carry a 0.5% fee.

Security record

In January 2022, unauthorized withdrawals hit a number of customer accounts. Crypto.com paused withdrawals, restored them after checks and stated that no customer funds were lost; on-chain analysts quoted by Fortune estimated that at least $15 million in ether had been taken. Since then we found no comparable incident. The Exchange publishes a proof of reserves page.

The episode shows why you should enable two-factor authentication and withdrawal whitelists on any exchange. Note also that Earn, staking and the Onchain wallet are not regulated under MiCA, as Crypto.com itself states on its EEA page.

Products

• App: buy, sell and convert more than 400 cryptocurrencies as of October 2026, plus thematic baskets;
• Exchange: order-book trading, margin and, in eligible jurisdictions, derivatives;
• Visa cards: prepaid cards with CRO-based rewards, plus Crypto.com Pay for merchants;
• Earn and staking: yield products on selected coins, outside MiCA’s scope;
• Onchain wallet: a self-custody wallet where you hold your own keys;
• Other markets: tokenized stocks in the EEA, and stocks, ETFs and prediction markets for eligible US users.

Opening an account

You sign up in the mobile app with an email address, then verify your identity with an official ID document, as required by anti-money laundering rules in the EU, the UK and the US. Verification usually takes minutes but can take longer if documents need a manual review. Turn on two-factor authentication before your first deposit, and note that the App and the Exchange use separate interfaces even though they share one account.

Deposits and withdrawals

In the EEA, euro deposits by SEPA transfer and Apple Pay or Google Pay are free according to Crypto.com’s EEA page, and you can also pay by debit or credit card. Card purchases are fast but cost more than a bank transfer. Crypto deposits and withdrawals are supported on many networks; withdrawal fees vary by coin and network and are shown in the app before you confirm.

Who Crypto.com suits

Crypto.com suits users who want an all-in-one app with a wide coin choice, a crypto card and access in both Europe and the US under real licences. It is less suited to cost-sensitive traders who do not want to hold CRO, and to users who prefer a company with a long, incident-free track record. Beginners should also be careful with the many rewards and Earn offers: yields on crypto are never guaranteed, and the value of CRO-linked benefits moves with the token’s price.

How Crypto.com compares

Compared with Coinbase, Crypto.com offers a similar licence footprint and a stronger card and rewards offer, but entry-level Exchange fees are higher unless you lock CRO. Compared with Bitpanda, it lists fewer traditional assets but more crypto services, and both hold MiCA authorisations. Our guide on how to choose a crypto exchange helps you match these profiles to your needs.

Our verdict and rating method

We rate Crypto.com 7.6/10. Deposits (8.5/10) and the app (8.5/10) are strong points. Security scores 7.5/10: broad licences and proof of reserves, but the 2022 incident counts. Support scores 7/10. Fees (6.5/10) are competitive only at higher tiers or with a CRO balance.