Pros, Cons, Features & Fees

Crypto.com is a leading crypto exchange, offering extensive trading features that cover the needs of both individual and institutional traders. The best features of Crypto.com include multiple trading options, crypto cards, staking and DeFi, CRO rewards, and compliance with crypto regulations.

Although it is often recommended, you should not begin trading on the platform blindly. Hence, this Crypto.com review will cover everything you need to know about the Crypto.com Exchange, including its best features, trading options, security level, and a step-by-step guide on how to open an account. Let’s get started!

Crypto.com Review 2025: Quick Summary

Crypto.com Review: What is Crypto.com?

Crypto.com is a leading exchange that offers investors an all-in-one trading platform and a complete suite of services, including crypto trading, staking, access to decentralized applications (dApps), and an NFT marketplace. Founded in 2016, the exchange has grown into one of the world’s leading crypto ecosystems, serving about 100 million users across more than 90 countries.

Crypto.com provides traders with access to spot, margin, and derivatives markets, as well as automated bots such as DCA, Grid, TWAP, and Arbitrage, all backed by institutional-grade liquidity and high-frequency trading infrastructure. The platform supports over 400 cryptocurrencies and more than 300 available pairs for trading on the spot, margin, and derivative markets.

Beyond trading, Crypto.com positions itself as a bridge between traditional finance and Web3, with offerings in DeFi, NFTs, and blockchain through its native Cronos Chain. The platform’s native token, CRO, powers many of these features, from transaction fee reductions to staking rewards and cashback on card purchases.

Crypto.com Pros

• Competitive fee structure, especially for trading with CRO staking and high-volume tiers, with maker fees down to 0% and taker fees as low as 0.075%.
• Mobile-first, user-friendly app with integrated portfolio tracking, easy fiat on-ramps, crypto purchase, and VISA card cashback rewards.
• High-yield staking programs offering up to 19% APY on selected digital assets.
• Comprehensive product suite: trading (spot and futures), NFT marketplace, DeFi wallet for self-custody, and crypto payment services.
• Strong regulatory compliance worldwide and advanced security infrastructure, including multi-factor authentication, cold storage, and Proof of Reserves transparency.
• Crypto.com Visa card offers cashback of up to 8% and additional benefits, including Spotify/Netflix rebates for CRO stakers.

Crypto.com Cons

• Customer support could be better. It is often slow, unresponsive, and sometimes ineffective in resolving issues.
• Withdrawal fees for cryptocurrencies can be relatively high, with minimum withdrawal amounts that may deter some users.
• Some services, including derivatives and advanced trading, are restricted or unavailable to New York residents and certain regions.

Crypto.com Review: Main Products

Crypto.com’s main product offerings are the Mobile app, the Crypto.com Exchange for spot and derivatives trading, and the Onchain Wallet.

1. Crypto.com App

Crypto.com mobile app is a beginner-friendly trading platform that allows you to buy and sell coins, track prices, withdraw funds, top up your Visa card, and hold your digital assets all within your mobile device. The app offers a simple and clean interface, making it easier for users to navigate.

In addition to the beginner-friendly interface, Crypto.com supports over 400 cryptocurrencies on the app. Also, you can fund your account in several ways:

• Bank transfer
• Debit card
• Credit card
• PayPal (available in select regions)

For users in the US, ACH transfers are free, but card purchases carry a 2.99% fee. In the EU, the cost can reach up to 4%, making bank transfers the smarter option whenever possible.

2. Crypto.com Exchange

The Crypto.com Exchange supports spot, derivatives, and margin trading, giving traders everything they need to handle different strategies with ease. It has a clean, easy-to-use interface that makes navigation simple for new users. In addition, the charts are powered by TradingView, which makes analysis more precise and detailed.

The exchange also offers strong liquidity across major trading pairs like BTC/USDT and ETH/USDT. For those who prefer smaller markets, several altcoin pairs offer decent trading volumes. Also, the platform’s fees are fair and flexible. Both maker and taker fees decrease as your trading volume increases, or when you hold CRO, the platform’s native token.

3. Crypto.com Onchain

Crypto.com Onchain is a non-custodial wallet that allows users to have full control of their crypto assets while offering access to everything on  DeFi in one place. Unlike the custodial platform, where funds are held by the company, Crypto.com Onchain allows users to manage their private keys directly. The wallet supports over 30 networks and allows for fast transactions without third-party involvement.

Crypto.com App Review: Core Features

The core features of the Crypto.com app are highlighted below:

• Buy, Sell, Trade Cryptocurrencies: Crypto.com app allows users to buy, sell and trade 400+ cryptocurrencies. It supports various payment methods, including credit/debit cards, and bank transfers. The app also provides real time price tracking and order execution.
• Crypto Earn: Users can earn interest on their cryptocurrency holdings. The app offers different terms and interest rates, supports multiple cryptocurrencies for earning interest, and makes weekly interest payments.
• Crypto.com Pay: It enables users to pay with crypto at merchants that accept Crypto.com Pay. So, users can send crypto to other Crypto.com users. The platform also provides rewards in the form of CRO.
• Sports Events Trading: Allows users to trade tokens linked to the performance of sports teams or athletes, often available for specific sports leagues or events, and features real-time trading and price fluctuations based on market demand and event outcomes.
• Stocks and ETFs: The platform gives users access to trade stocks and ETFs, and it provides tools for portfolio tracking and monitoring. m
• Crypto Baskets: Allows users to invest in a portfolio of crypto assets, such as DeFi Index, Metaverse Index, or other thematic indices. It also offers a simplified way to diversify crypto holdings, and balances the digital assets within the basket based on its underlying methodology.

Crypto.com Exchange Review: Trading Features

Crypto.com Exchange offers various trading features for both experienced and beginner traders. These features include spot and derivatives trading, OTC trading, automated trading, and high-frequency trading. In addition to this, the exchange provides a wide range of trading pairs for all traders.

1. Spot and Derivatives Trading

Spot and derivatives trading on Crypto.com is similar to that of other platforms. The exchange enables traders to trade various digital assets on the spot market at current market prices, with minimal risk except for market fluctuations. Meanwhile, advanced traders who want to increase their gains can use derivatives products such as futures and perpetual contracts.

These trading options give you exposure to price movements without holding the underlying asset. Simply put, you can bet on the prices of various tokens (whether they will go up or down), without owning or buying the asset. For instance, if you are betting on the price of BTC to fall to $90,000, you can place your trade even if you do not own BTC.

To ensure that crypto trading on the platform is accessible to both retail and professional traders, the exchange provides advanced charting tools, competitive fees, and a clear and customizable interface.

2. OTC Trading

The OTC (Over-the-Counter) trading service on Crypto.com is perfect for high-volume traders, protocols, and institutions that need to execute large orders efficiently. If you are a private wealth trader, this feature ensures minimal market impact, competitive pricing, and better support and privacy.

The trading platform offers users over 500 assets and deep liquidity to ensure they can complete transactions without a massive impact on the general market and minimal slippage. OTC trading is reserved for Crypto.com Institutional and Exchange VIP clients and is subject to the regulations of your jurisdiction. To get started, ensure you meet all the requirements, then proceed to apply on the company’s OTC Trading page.

3. Automated Trading

Crypto.com supports automated trading through customizable strategies and API integrations. Traders can deploy bots to monitor the market and execute trades based on predefined parameters. This eliminates the need for manual input and emotional trading decisions/calls since bot trading relies solely on data-driven decisions to ensure consistent performance even during market volatility. The bots available on Crypto.com are;

• DCA Bot: The Dollar-Cost Averaging (DCA) Bot on Crypto.com helps traders invest in crypto gradually over time instead of all at once. It automatically buys a fixed amount of a chosen asset at regular intervals, regardless of market conditions. This strategy reduces the impact of short-term volatility and helps build positions steadily.
• Grid Bot: The Grid Trading Bot capitalizes on market volatility by placing buy and sell orders within a predefined price range. It divides this range into multiple “grids,” automatically buying when prices fall and selling when they rise. This bot works best in sideways or mildly fluctuating markets, where you can capture consistent small profits from regular price movements.
• TWAP Bot: The Time-Weighted Average Price (TWAP) Bot is ideal for traders handling large orders who want to minimize market impact. Instead of executing a single large trade, the bot divides it into smaller chunks and executes them over a set time period. By doing this, it ensures that the overall execution price stays close to the market average.
• Arbitrage Bot: Crypto.com’s Arbitrage Bot leverages price differences between various markets or trading pairs to generate profit with minimal risk exposure. It automatically scans for discrepancies in asset prices and executes trades to capture these spreads before they close.

This strategy depends heavily on speed and market liquidity, and is almost impossible to manually achieve much results, making the trading bot an integral part of the trading process.

On Crypto.com, these bots can be fully customized, allowing users to set their preferred price range, number of grids, and investment amount for the best possible output/performance.

4. High-Frequency Trading Engine

Crypto.com has a high-performance infrastructure and low-latency execution, which accommodates high-frequency trading (HFT) strategies. HFT is the use of powerful algorithms and high-speed systems to execute a large number of trades in fractions of a second.

On Crypto.com, HFT trading is supported through the platform’s low-latency infrastructure, deep liquidity, and advanced APIs that enable traders (institutions and high-volume traders) to act on price changes almost instantly.

5. Extensive Trading Pairs

Crypto.com offers a comprehensive selection of trading pairs in the market. Although the platform offers a lot fewer tokens than other exchanges, you will always find the best and top trading pairs, starting from major cryptocurrencies (BTC, ETH, SOL), stablecoins (USDT, USDC), and emerging tokens.

The exchange offers 300+ pairs for spot trading, 200+ for margin trading, and 100+ trading pairs for perpetuals and futures contracts. This wide range of pairs provides traders with greater flexibility in portfolio diversification and strategy development.

Crypto.com Onchain Review

Crypto.com Onchain Wallet is a non-custodial, self-custody wallet that gives users complete control over crypto assets and their private keys. Unlike the general Crypto.com exchange platform, where Crypto.com holds the private keys, the Onchain Wallet stores your keys locally on your device, giving you complete ownership and control. The key features of the Onchain include the following:

• Self-custody: As stated earlier, you manage your private keys and seed phrase, giving you full ownership of your crypto and your account. If you lose your recovery phrase, Crypto.com cannot help you recover the funds.
• Multi-chain Support: The wallet supports 30+ blockchains, including Ethereum, Bitcoin, Solana, Polygon, Base, and Cronos, with over 1,000 tokens supported.
• DApps and DeFi Integration: It directly connects you to decentralized applications (dApps), staking pools, and decentralized exchanges (DEXs). You can swap tokens, stake assets, or provide liquidity without leaving the wallet interface.
• Opportunities to Earn Passive Income: Through the wallet, you can access DeFi Earn, which aggregates staking and yield opportunities from multiple protocols. This allows users to earn passive income without managing complex DeFi tools directly.

The Onchain Wallet is user-freindly and implements security features like device-level encryption, biometric authentication (Face ID, fingerprint), and optional two-factor authentication.

Crypto.com Review: Other Features

In addition to the trading features discussed above, Crypto.com offers other features that give traders on the platform a smooth trading experience. These features include the Crypto.com Visa Card, the crypto credit card, an NFT marketplace, staking and DeFi, and the CRO reward.

1. Crypto.com Visa Card

The Crypto.com Visa card is a prepaid card that allows the platform’s users to spend crypto in real life, with rewards and rebates attached. For instance, if you had a Crypto.com card, you could deposit some crypto in it and shop at the supported outlets without worrying about converting your funds to fiat currencies.

So instead of loading it or linking the card directly to your Crypto.com account like traditional credit cards, the card is prefunded (except where the Visa Signature credit card is available, e.g., in the US). These cards are issued based on a tiered structure. To get higher tiers of the card (e.g. Jade, Icy, Obsidian), you will need to stake a certain amount of CRO for a fixed period.

Rewards are paid in CRO for eligible spending. There are spending rewards, purchase rebates, subscription rebates (e.g., for services like Netflix/Spotify, depending on card tier), and other perks (free ATM withdrawals up to certain limits, airport lounge access for higher tiers, etc.).

Note: The rewards depend heavily on maintaining the CRO stake or lockup. If you unstake prematurely, you may lose or reduce certain perks.

2. Crypto Credit Card

The crypto credit card offered by Crypto.com often gets confused with the Visa card discussed above, or sometimes, traders misinterpret it for its literal meaning (misunderstanding whether the card is credit or prepaid). Meanwhile, Crypto.com’s credit card is the new Visa Signature Credit Card.

The new Visa Signature Credit Card in the US expands the company’s product line. It offers uncapped crypto rewards on purchases and comes with benefits like travel protections. While this card isn’t available in many regions, traders in supported regions get a welcome bonus for new cardholders if they meet spending thresholds.

3. NFT Marketplace

Crypto.com has an NFT marketplace where users can mint NFTs, buy and sell, and also access “cross-market” listings (e.g. specific collections from OpenSea) within the platform. To create NFTs on Crypto.com, you need to apply to be a creator. Once approved, you can mint on chains supported (Ethereum, Polygon, Cronos, etc.) and list NFTs for sale.

As a creator, you can set royalty percentages for secondary sales; royalties are automatically taken on resale. Secondary seller processing fees exist (a cut taken by the platform). If you are buying, you will not pay extra beyond the listed price on purchase.

4. Staking & DeFi

Crypto.com offers both traditional on-chain staking and a newer DeFi Staking feature to users via its app and exchange. Here is a breakdown of how these two earn products differ.

On-chain staking on Crypto.com enables users to stake supported cryptocurrencies on their respective blockchains, thereby helping to secure the network. It is flexible, allowing unstaking at any time after activation, and users earn proportional rewards regularly.

To stake your idle crypto assets, go to “Yield” and “Staking and DeFi,” then select the token, confirm the stake, and start earning rewards from the blockchain protocol. Some campaigns also offer bonus rewards for staking specific tokens, such as SOL or ETH, during designated periods.

DeFi Staking is a newer feature. DeFi Staking enables users to access DeFi protocol yields within the Crypto.com ecosystem. Users can lock up supported tokens like CorgiAI, Minted, or VVS Finance for a fixed period to earn rewards up to around 35% APR.

The rewards you earn from this are distributed up to three times per week, but your tokens will be locked and cannot be unstaked until the term ends, unlike in traditional staking. Once the lock-up period elapses, Crypto.com will return your tokens automatically to the wallet in the app or exchange.

5. CRO Reward

CRO is the native token of Crypto.com, and many of the platform’s perks depend on how much CRO you hold and how long you lock or stake it. The more CRO you lock in (and for longer), the more benefits you unlock. The benefits include lower trading fees, higher earn/yield rates for staking, better margin trading rates, and better card rewards (spending & rebates), among others.

Crypto.com Wallet Review

The Crypto.com Wallet is a central trading interface and asset management system, enabling users to trade or invest through the Crypto.com App/Exchange. Unlike the Onchain Wallet, when using this platform, the exchange retains control of your private keys, while you manage your assets through your account.

The wallet supports hundreds of cryptocurrencies, allowing users to buy, sell, hold, and make cryptocurrency transfers with ease. The trading interface is similar to that of the majority of centralized exchanges in the market, with live order books, advanced charting tools, customizable trading options, and other advanced features like trading bots and institution-grade products.

Crypto.com Security: Is Crypto.com Safe to Use?

Yes, from an independent review of the platform and its security features, Crypto.com is considered a safe cryptocurrency platform to use. The company has invested heavily in compliance, asset protection, and user safety, combining institutional-grade infrastructure with robust security audits on a regular basis.

Security Measures

Below are the key security measures that make Crypto.com a safe platform:

• Cold Storage for Funds: The majority of user assets are stored in offline cold wallets, significantly reducing the risk of hacks or unauthorized access.
• $750 Million Insurance Coverage and Proof of Reserve: Crypto.com maintains one of the largest insurance programs in the crypto industry, covering potential damages from theft or security breaches. In addition to the insurance, Crypto.com fully reserves customer assets with a 1:1 backing; assets are verifiable on-chain via live Proof of Reserves dashboards.
• Multi-Factor Authentication (MFA): Multi-factor authentication (MFA) is required for login, withdrawals, password changes, and API key activation, supporting biometric options like fingerprint and facial recognition.
• Withdrawal Address Whitelisting: Users can pre-approve withdrawal addresses to prevent transfers to unknown or malicious wallets.
• Hot wallets for operational use are tightly permissioned and secured with hardware security modules (HSMs).

Crypto.com Fees Review

Trading Fees

Crypto.com uses the standard maker-taker fee structure for spot and derivatives markets, and fees are calculated based on your 30-day trading volume or your CRO stake. Here is a rundown of the fees and how discounts are applied for VIP traders.

Spot Trading Fees (Level 1)

• Maker Fees: Begin at 0.250% for traders with a 30-day trading volume under $10,000 and no CRO staked.
• Taker Fees: Also start at 0.500% under the same conditions.

• Fee Reductions (With CRO Balance): To reduce fees, users can either increase their trading volume or stake CRO tokens. For example, staking 10,000 CRO can lower the maker and taker fees to 0.23% and 0.46%, respectively. You can find the VIP fee structure for spot trading below.

Derivatives Fees (Level 1)

• Maker Fees: Start at 0.020%.
• Taker Fees: Start 0.040%.

• Fee Reductions: You can get a discount on trading fees by increasing your trading volume or staking CRO tokens. For instance, staking 10,000 CRO can reduce maker and taker fees to 0.0184% and 0.0368%, respectively. Crypto.com derivatives VIP fees are highlighted below:

Deposits and Withdrawals Fees

Cryptocurrency deposits into Crypto.com Exchange are free of charge. ACH deposits in USD are also free. However, crypto withdrawals incur a platform withdrawal fee plus an additional blockchain network (gas) fee, which varies by token and network congestion.

Example Withdrawal Fees: Bitcoin (BTC) withdrawal fee is 0.0004 BTC plus network fees, Ethereum (ETH) withdrawal fee is 0.000067 ETH plus variable gas, and Solana (SOL) withdrawal fee is 0.000019 SOL plus network fees. Please note that minimum withdrawal amounts vary by cryptocurrency. Here is a breakdown of withdrawal fees for fiat currencies:

Other Potential Fees

• Crypto.com Visa Card ATM withdrawals have free monthly limits depending on card tier; exceeding these limits incurs a 2% fee.
• Non-USD purchases and ATM withdrawals on lower-tier Visa cards have a 3% fee.

How to Use Crypto.com?

Below is a straightforward guide on how to open a new account on Crypto.com, how to deposit money in your account, anf how to buy/sell crypto on your exchange account.

How to Open a Crypto.com Account?

Follow these steps to open an account on Crypto.com

• Visit the official Crypto.com website or download the Crypto.com mobile app from the App Store or Google Play. For this tutorial, we will be using the website. Click on “Sign Up” at the top right corner of the homepage to register.
• Next, choose your account type (Individual or business). Then add your email and the current referral code “nftevening” to be eligible for new user rewards. After adding your details, click “create new account.” 

• Confirm a valid email address and verify your phone number by entering the code sent via SMS. Then set a secure 6-digit passcode for account access.
• Finally, you need to complete identity verification (KYC) to get full access to Crypto.com products and services. Submit your full legal name, photo ID (passport or government-issued ID card), a selfie, and other required details and wait for approval.

How to Deposit Funds at Crypto.com?

Follow these steps to deposit funds in your Crypto.com account.

• Log in to your Crypto.com app or exchange account and go to the “Deposit” section.
• Select the deposit type (cryptocurrency or fiat).
• For crypto deposits, generate your deposit address and transfer funds from an external wallet.
• For fiat deposits, select a supported method, such as ACH, SEPA, or wire transfer, and then follow the instructions to fund your account.

Crypto deposits are usually instant; fiat deposits may take longer, 1-3 business days.

How to Buy and Sell Crypto on Crypto.com?

Follow these steps to buy/sell crypto on Crypto.com

• Click on the “Buy/Sell” tab on the app or exchange. Then select the cryptocurrency you want to buy or sell.
• Enter the amount in fiat or crypto.
• Choose your preferred payment method (credit/debit card, bank transfer, or crypto balance).
• If you are buying, confirm and verify the transaction details. If you are selling crypto, confirm the sale and select the destination for proceeds (fiat wallet or crypto wallet).

Your buy/sell order will be completed promptly or at a later time when the price aligns with the buy/sell price you added (if you choose a limit order).

Crypto.com Review: Licenses and Regulation

Crypto.com holds multiple regulatory licenses across global jurisdictions, including the United States and other regions that are considered tough for other trading platforms. Below is the list of licenses the exchange holds.

• United States: Broker-Dealer Registration, full stack of U.S. Commodity Futures Trading Commission (CFTC) derivatives licenses, including Derivatives Clearing Organization (DCO), and Designated Contracts Market (DCM) license.
• Europe: Authorized as a Crypto-Asset Service Provider (CASP) under the EU Markets in Crypto Assets (MiCA) regulation, Class 2 Crypto-Asset Service Provider License, Electronic Money Institution License, and Investment Firm License (MiFID) valid across the European Economic Area (EEA). UK Crypto-Asset Business Registration and Electronic Money Institution License.
• Middle East: Category 3A License in Abu Dhabi (ADGM), Payment Service Provider License in Bahrain, Virtual Assets Service Provider License in Dubai.

Crypto.com Review: Customer Support & User Feedback

Crypto.com offers users support via live chat and email, serving as the main channels. While the live chat is responsive, it primarily handles frequently asked questions rather than more unique cases. For this reason, many users complain about slow, unresponsive, and ineffective customer service, with frequent long delays in resolving issues.

Common frustrations we saw include repetitive questioning without resolution, account restrictions without clear communication, and delayed or blocked withdrawals. On the positive side, users praise the mobile app’s interface for being user-friendly and accessible, especially for beginners. Despite customer service criticisms, many users appreciate the platform’s wide range of features, token availability, and strong security measures.

To compensate for slow live support, Crypto.com offers extensive self-help resources and real-time status updates online. Still, the overall Trustpilot rating is low (around 1.3 out of 5), showing significant dissatisfaction with customer service.

Best Crypto.com Alternatives for Crypto Trading

Conclusion: Is Crypto.com a Good Exchange?

Crypto.com is a good exchange for trading crypto. The platform offers basic and advanced trading tools, multiple ways to earn passive income, access to the web3 ecosystem, and implements robust security measures to ensure the safety of user assets. Additionally, one advantage it has over some top cryptocurrency exchanges is its availability in the US, so if you are a US trader in need of an exchange to trade, Crypto.com might be a good option.

FAQs

What is the Best Crypto Trading App for Beginners in 2025?

The best crypto trading app for beginners in 2025 is Crypto.com. It offers an easy-to-use interface, supports hundreds of cryptocurrencies, and includes features like automated trading, staking, multiple opportunities to earn passive income while trading, and resources to improve crypto knowledge, making it suitable for users new to crypto trading. Other alternatives for beginners are MEXC and OKX. Check out our comprehensive MEXC review and OKX review to compare them before opting for one.

Has Crypto.com Been Hacked Before?

Yes, Crypto.Com experienced a major hack in January 2022. It was reported that some teenage hackers breached an employee account and stole an estimated 34$ million worth of cryptocurrency from about 483 users.

Is Crypto.com a Secure Crypto Trading Platform?

Yes, Crypto.com is a secure crypto trading platform. The platform uses a cold wallet to store 100% of its users’ funds, ensuring that hackers cannot access them. Beyond that, it encourages users to activate MFA and other security features, as well as continuous system monitoring, to keep the platform away from hackers.

What is the Minimum Deposit Required to Start Trading on Crypto.com?

There is no minimum deposit required to trade on Crypto.com exchange, but the minimum trade amount for Cryptocurrency is 0.00001 BTC and 1$ in USD. With this amount, you can start trading right away.