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Crypto.com Review
A large mobile-first crypto exchange with a broad app ecosystem, card products and staking. Simple-buy fees are high; the Exchange interface is cheaper.
9.2K reviews · checked Feb 2026
Trustpilot skews negative for large platforms that don't invite reviews.
Best for
- Mobile-first crypto users
- Card/rewards users
- Broad coin access
Not best for
- You want the lowest simple-buy fees
- You prefer a compliance-first minimalist exchange
Our verdict & scoring
Crypto.com is a big, consumer-focused exchange known for its slick app, Visa card program, staking and broad coin selection. Convenience comes at a cost: simple in-app buys carry high fees and spreads, while the separate Crypto.com Exchange offers lower maker/taker pricing. Availability varies by country and US state. In 2025 it became one of the first major global exchanges to secure a full MiCA licence (via the Malta MFSA), passportable across the EEA, adding to a UK FCA e-money licence and money-transmitter/VASP licences elsewhere.
Scores are based on our review methodology. Affiliate relationships do not buy higher ratings.
Who should actually use Crypto.com
Crypto.com is the ecosystem play: a polished mobile-first app with a broad coin selection, staking and the well-known Visa card/rewards program, backed by a serious licensing footprint — a full MiCA licence via Malta's MFSA (2025, EEA-passportable), a UK FCA e-money licence and US money-transmitter registrations. Mobile-first users who want crypto plus card perks in one place are the audience. It's not for fee-minimisers who'd stay on simple buys, or for those who prefer a compliance-first minimalist exchange.
What we'd change
The app's convenience is expensive: simple in-app buys carry high fees and spreads — the separate Crypto.com Exchange interface with maker/taker pricing is the cheaper route for anything beyond occasional purchases. The product ecosystem (app, exchange, card, staking) is complex to navigate, card/withdrawal fees and staking commissions apply, and availability varies by country and US state.
How it compares to Kraken
Ecosystem vs exchange. Crypto.com leads on consumer features — the card and rewards program, slick app, MiCA-licensed EU footing; Kraken leads on trading substance — deeper liquidity, cheaper active trading on Kraken Pro and a longer security track record. Card-and-app users lean Crypto.com; traders lean Kraken. On either, use the pro interface to avoid the expensive simple-buy flow — and remember no crypto platform carries SIPC/FSCS protection.
Pros
- Polished, feature-rich app
- Card and rewards ecosystem
- Broad coin selection
Cons
- High simple-buy fees/spread
- Complex product ecosystem
- Availability varies by region
Fees & hidden costs explained
High fees/spread on simple app buys; lower maker/taker on the Crypto.com Exchange interface.
Safety, regulation & availability
US: registered money-services business with state money-transmitter licenses. EU: full MiCA CASP licence via the Malta MFSA (2025), passportable across the EEA. UK: holds an FCA e-money institution licence and follows FCA cryptoasset promotion rules. Also licensed in Singapore (MAS) and Dubai (VARA). Availability varies by state/country — verify.
Account protection: Crypto is not covered by SIPC or FSCS. Review the exchange's own custody/security disclosures.
Available to retail traders in:
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Frequently asked questions
Is Crypto.com regulated?
It holds a full MiCA CASP licence via the Malta MFSA (2025), passportable across the EEA, a UK FCA e-money institution licence, US money-transmitter/MSB registrations, and licences in Singapore (MAS) and Dubai (VARA). Availability still varies by state and country.
How do I lower my Crypto.com fees?
Use the separate Crypto.com Exchange interface with maker/taker pricing — simple in-app buys carry notably higher fees and spreads.
Is my crypto insured on Crypto.com?
No — crypto is not covered by SIPC or FSCS anywhere. Review the exchange's own custody and security disclosures.
Does Crypto.com offer staking?
Yes — staking is available on supported assets, with a commission taken from rewards.
What is the Crypto.com card?
A Visa card program with rewards tied to the ecosystem — one of Crypto.com's main draws alongside the app. Card fees and reward terms have their own conditions; check current terms.
Official sources
Risk warning: Trading stocks, options, futures, forex, crypto, CFDs and funded accounts involves risk. You can lose money. This website is educational only and does not provide financial, investment, tax or legal advice.
Leverage, volatility, fees, spreads, liquidity and platform rules can increase losses.
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