Crypto.com review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Crypto.com suits people who want one app for a crypto exchange, a custodial wallet and a prepaid card, with a monthly card fee of $0 and taker fees of 0.02% to 0.16%. It costs more to trade than some rivals and holds your coins itself rather than in self-custody.
Key facts
- Best for
- A crypto exchange and card in one app, with a monthly card fee of $0.
- 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
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Trading fees of 0.02% to 0.16% sit under the site median of 0.25%
- A 392 coin list ranks 44 of 176 brands
- The prepaid card has a monthly fee of $0 and free ATM withdrawals of $200
- Several fiat deposit methods are supported through card, bank and sepa
Cons
- Card top-ups carry 1% on debit/credit card top-up
- Currency conversion on the card runs 0.2% to 2%
- Support runs on email, chat and help centre only, with no phone line
Who it suits
- Traders who want a single app for spot exchange, card spending and crypto storage
- Anyone comfortable with custodial storage, as custodial applies
- Card users who want a free monthly fee alongside a visa prepaid card
Who should look elsewhere
- Vivid Plus, if you want to avoid the 1% on debit/credit card top-up top-up charge
- bunq, if trading costs matter more and you buy less often
- eToro, if you want a social trading platform rather than a card
Who runs it
Crypto.com is operated by Foris DAX MT Limited, based in Malta and founded in 2019. It is authorised by the Malta Financial Services Authority under licence MiCA CASP 2549005CVR5HH70FDO07, and the same authority appears across its electronic money and investment firm permissions. Support runs on email, chat and help centre, so a phone line is not part of the mix.
How Crypto.com compares
9.4 vs 9.5
9.4 vs 9.3
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.5
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 9.2eToro charges taker fees of 1%, so it costs more per trade than 0.02% to 0.16%.
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 9.3
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 8.6
9.4 vs 8.3
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.3
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9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
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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 8.5
9.4 vs 8.4- 9.4 vs 8.0
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
How much does trading cost on Crypto.com?+
Taker fees run 0.02% to 0.16% and maker fees run 0.02% to 0.16%, which depends on the volume tier you sit in. The site median taker fee is 0.25%, so this exchange sits below the middle of the field. Withdrawals are charged at an estimated network transaction fee per coin.
How much does the Crypto.com card cost?+
The card is prepaid on the visa network with a monthly fee of $0, and it includes free ATM withdrawals of $200. Cashback is set at 0%, so spending does not earn a rebate. Top-ups by debit or credit card carry 1% on debit/credit card top-up.
Is Crypto.com regulated?+
The listed regulators cover the Malta Financial Services Authority in several roles, including as an electronic money institution and a MiFID II investment firm, alongside US regulators for a designated contract market, a major payment institution and an SFC virtual asset trading platform. The Malta entity is listed under licence MiCA CASP 2549005CVR5HH70FDO07.
How do I deposit money?+
Fiat deposits run through card, bank and sepa, giving you several ways to fund the account. Card deposits attract 1% on debit/credit card top-up. Once funded, the app is a mobile wallet with 20 supported currencies.
Who holds my crypto?+
Custody is custodial, meaning the platform holds the coins rather than you holding the keys. Features listed include custodial, self custody and staking, so staking and self-custody options sit alongside the custodial default. Proof of reserves is confirmed, which lets you check reported holdings.
What can I actually trade?+
The exchange lists 392 coins and is a cex venue, so trading runs through the platform rather than peer to peer. Derivatives are available. Site data puts the median coin count at 71.5 and this brand ranks 44 of 176 on listings.
How do I get support?+
Contact runs through email, chat and help centre: email, chat, a help centre and a community. Phone support is not listed among the channels, which is worth weighing if you hold a large balance. The help centre carries the widest weight on the site at 79.6%.
How risky is trading here?+
Trading a crypto exchange carries real risk, and site figures show a median retail loss of 70.15% across what we score, ranging from 40.3% to 88%. Variable-rate accounts make up 53.9% of what we rank, so fees can move.
Sources
- coingecko.com/en/exchanges/crypto_com checked September 26, 2026
Backs: Coins listed, Founded, Coins supported, 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 checked September 26, 2026
Backs: Wallet type
“Choose your access Get started on mobile or through the browser extension”
- 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: Price, Withdrawal fee
“Crypto Into Crypto Wallet 0.00%”
- 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/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 10 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Crypto.com
A crypto exchange and card in one app, with a monthly card fee of $0.