Crypto.com Exchange Review

Founded in 2016 and operated by Foris DAX Asia Pte. Ltd. (Singapore), Crypto.com is a centralized, custodial platform spanning a beginner‑friendly app, a professional exchange, and a non‑custodial Onchain wallet. The company reports 100 million users globally as of 2024. Recent focus areas include regulatory approvals, a public proof‑of‑reserves program, and selective expansion (for example, Dubai and Ireland). The Exchange targets advanced trading; the App bundles fiat on‑ramps, Earn, and the Visa card.

Crypto.com’s feature set spans the App (fiat wallets, card, Earn, Onchain wallet) and the Exchange (spot, margin up to 10x, and perpetuals up to 20x). Availability varies by region; see KYC & geographic access for specifics.

Trading Options

Markets offered. Spot trading is available on the Exchange and in the App. Margin trading is supported on selected pairs (up to 10×), subject to regional restrictions. Derivatives on the Exchange include perpetuals and dated futures with product‑level maximum leverage up to 20×. In the App, regulated options (UpDown and Strike) provide simplified yes/no structures in supported regions. Feature availability differs by jurisdiction (for example, U.S. retail cannot access the Exchange, and derivatives are restricted across the EU/UK/AU/CA).

Interface modes. The App focuses on quick buy/sell, fiat wallets, and card management. The Exchange offers TradingView charts, live order books, and standard order types (market, limit) plus advanced tools like stop‑loss, take‑profit, and OCO. Post‑only is available via API, and attached TP/SL can accompany limit orders. There are web and mobile Exchange experiences; the App and Exchange use separate wallets, with free internal transfers.

Pairs and assets. The Exchange lists hundreds of coins and ~600+ trading pairs across major base/quote assets. Quote currencies commonly include USDT, USD, USDC, and BTC. Fiat and stablecoin‑quoted markets are available. The App supports a broader buy/sell roster for retail users; detailed coin coverage appears in Supported assets.

Brokerage and Simple‑buy Experience

Crypto.com’s simple‑buy lets you purchase a fixed amount (e.g., $100 of BTC) in the App using a card, ACH/SEPA, or cash balance. The flow is fund → pick asset → enter amount → review all‑in price → confirm. Pricing uses a spreaded quote plus any admin/processor fee shown at confirmation. In checks, BTC/ETH simple‑buy prices are ~1–3% above mid‑market under normal conditions (as of Nov. 2025). Most majors are simple‑buy eligible; some long‑tail assets are Exchange‑only. Costs are higher than placing limit orders on the Exchange; see Fees and pricing for details.

Derivatives and leverage controls

Availability and regions. The Exchange offers USD‑settled perpetuals (no expiry) and quarterly futures (BTC, ETH and select alts) with maximum leverage up to 20×. Retail access varies by region: the Exchange’s perps/futures are not available to U.S. retail and are restricted across the EU/UK/CA/AU. In the U.S. App, regulated UpDown/Strike Options are available under a separate entity.

Margining and risk. Derivatives use Smart Cross Margin (maintenance margin set at ~50% of initial). Funding publishes and settles hourly on perps; session marks apply for P&L. Liquidations can occur if margin falls below maintenance; if the insurance fund is insufficient, Auto‑Deleveraging (ADL) may apply.

Supported Assets

Asset coverage. We noticed 438 listed coins and 625 spot pairs on the Exchange, with BTC/USD among the most active. Quote assets include USDT, USD, USDC, and BTC across majors and mid‑caps.

Stablecoins and networks. The App and Exchange support multi‑network deposits and withdrawals for key stablecoins. USDT and USDC are available on Ethereum (ERC‑20); alternative networks such as Cronos and Polygon are supported where available. Always match the network on deposit and withdrawal.

Listing cadence and policy. Listings and delistings are posted on the Exchange Announcements hub; no fixed cadence is disclosed. Time‑stamp listings and check the announcement page for the latest changes. For the supported coins list, check the exchange’s coin listing page. Listings and delistings are posted on the Exchange Announcements hub; no fixed cadence is disclosed. Time‑stamp listings and check the announcement page for the latest changes.

Native token impact. CRO is the platform’s native token. Holding or staking CRO on the Exchange can reduce trading fees, unlock 0% maker at higher tiers, and grant access to select programs. CRO is also used for card rewards and boosts in Earn. Mechanics are tiered and subject to jurisdiction.

Staking and Rewards

Products and yields. Crypto.com offers Crypto Earn (custodial interest with Flexible, 1‑month, and 3‑month terms) and on‑chain staking via the non‑custodial flow. Yields are variable by region and asset. As of Nov. 2025, typical ranges show ~1–2% p.a. on BTC/ETH and ~5–6% p.a. on selected stablecoins (rates shown in‑app).

Payout and exit. Earn rewards accrue daily and pay weekly in the same asset. Fixed‑term allocations lock until maturity; flexible terms can be withdrawn anytime. On‑chain staking includes activation and unbonding/cooldown periods; rewards stop at unstake and funds become withdrawable after the protocol’s unbonding window.

Crypto.com Card

Program and availability. The Crypto.com Visa Prepaid Card is issued by regional partners and is available in the U.S., UK, EEA, Canada, Australia, Singapore, and select other markets. Full KYC is required. A virtual card is available after approval; a physical metal card can be added to Apple Pay/Google Pay.

Rewards, costs, and funding. Purchases earn CRO cashback at tiered rates with caps on lower tiers. You top up a fiat balance (by selling crypto or moving cash), then spend in local currency; FX and ATM fees depend on region and tier. The app supports freeze/unfreeze, PIN management, mobile‑wallet adds, and spend alerts.

API and Programmatic Trading

Crypto.com Exchange provides REST and WebSocket APIs for market data, trading (spot/margin/derivatives), and account functions. API keys support scoped permissions and IP allowlisting; withdrawals can be enabled per key. Headline rate limits apply; a sandbox/UAT environment exists for testing. Developer documentation is available for REST/WS; institutions can request FIX access.

Other notable features

Tax tools. CSV exports for crypto, fiat wallet, and card; Crypto.com Tax can generate reports in common formats (availability varies).

Prime/OTC. RFQ/OTC access and custody for institutions/VIPs with full KYB.

Web3/NFT. Onchain/DeFi wallet with WalletConnect; curated NFT marketplace.

Crypto.com publishes coin listings, pair changes, and delistings on two official hubs: the Exchange Announcements page and the Product News feed. A canonical Token Admission and Removal Rules and Criteria article outlines how assets are reviewed and when clients are notified. Impacted users also receive in‑app and email notices.

Selection, review, and delisting. A Token Admission and Review Committee assesses design and code security, supply and utility, reputability and adverse media, liquidity, and legal/regulatory risks, with external legal advice where required. Delistings can follow legal or regulatory changes, security or governance issues, adverse events, or sustained market‑quality concerns. Notices state the effective date and any actions (for example, order cancellations or deposit/withdrawal disables). Notice periods vary by asset and jurisdiction.

Regional/entity variance. The App and Exchange are operated by different legal entities across regions. A token may be listed in one jurisdiction but not another. The public listing application pages note that Crypto.com retains discretion over where a token is listed and under which entity (EEA, UAE, and global pages available). Always confirm local availability in the announcement and in‑app.

Recent change (example). Delisting of OpenLeverage (OLE) from the Crypto.com Exchange — announced Oct. 2025, effective Oct. 22, 2025 at 03:00 UTC; the notice specified order cancellations and deposit/withdrawal changes on the effective date.

Crypto.com charges different fees depending on how you trade and how you fund/withdraw.

Compared with Coinbase and Kraken, base taker fees are higher at entry tier but converge at higher volumes on Crypto.com’s Exchange.

Advanced trading fees. Spot maker/taker start at 0.25%/0.50% at base and compress with higher 30‑day USD volume; top tiers reach 0% maker and ~0.05% taker on spot. Derivatives start around 0.02%/0.04% and reach 0%/0.015% at VIP levels. Fee status updates daily at 04:00 UTC.

Simple buy/sell. App purchases use a spreaded quote plus any applicable admin and processor fees; the final rate appears before you confirm. For large orders, the Exchange interface generally prices tighter than instant buys.

Deposits & withdrawals (fiat). ACH/SEPA deposits are free on Crypto.com’s side (banks may charge). ACH withdrawals have no platform fee (~1–3 business days). USD withdrawal via Fedwire costs $15; via SWIFT costs $45. SEPA EUR withdrawals have no platform fee (banks may charge) and typically arrive next business day.

Crypto withdrawals. Crypto.com applies a fixed fee per asset (noted in the app’s Fees & Limits) that effectively covers network costs and changes with conditions. Cheaper routes (e.g., USDT via Cronos/Polygon) reduce costs versus ERC‑20.

Staking commissions. On on‑chain staking, rewards are net of service fees (e.g., ETH 15%, NEAR/INJ 35%, others 20%) deducted by Crypto.com. Crypto Earn payouts (custodial) show gross APY in‑app; rewards pay weekly in the deposited asset.

How to lower fees. Move trading to the Exchange (advanced), prefer maker limit orders, increase 30‑day volume, and enable CRO Rewards/CRO lockup for fee discounts and maker rebates. Use bank transfers instead of cards for funding, and pick low‑fee networks for withdrawals.

VIP Tiers and Fee Discounts Table

CRO Rewards/Lockup can reduce taker fees and offer maker rebates on spot and derivatives. Discounts do not apply to simple buys or card purchases; they apply on the Exchange (spot/margin/derivatives).

Crypto.com supports fiat on‑ramps and off‑ramps alongside crypto transfers. Primary account base currencies include USD, EUR, GBP, AUD, CAD, and SGD. Core payment rails are ACH (US), SEPA (EU/EEA), Faster Payments (UK), and domestic/Swift wires. Cards (Visa/Mastercard) and Apple Pay/Google Pay are available in supported regions; PayPal is enabled for selected users and markets. Third‑party processors handle card and wallet payments. Limits are enforced per transaction and per rolling 24‑hour/day window by KYC level.

US. ACH deposits/withdrawals require full KYC and a linked bank. USD wires support larger amounts. Cards allow instant buys; processing fees may apply. PayPal availability and limits depend on eligibility.

EU/EEA. SEPA EUR deposits/withdrawals are supported; funds usually arrive next business day. Cards support instant buys. SWIFT wires are available for higher limits.

UK. Faster Payments supports near‑instant GBP transfers during banking hours; CHAPS/SWIFT cover higher values. Cards support instant buys.

Rest of world. Availability depends on local partners. Where local rails are absent, SWIFT wires and cards are offered.

Timing and cut‑offs. Bank transfers follow local banking hours and cut‑offs. ACH generally posts next business day; SEPA settles same/next business day; Faster Payments is near‑instant.

Currency matching and conversion. Deposits in non‑trading currencies credit your fiat wallet. Trades execute in available quote currencies. Conversions and card top‑ups use an FX/conversion spread shown at confirmation.

Beneficiaries and turnover. New bank beneficiaries and crypto withdrawal addresses must be whitelisted and may carry a 24‑hour cooldown. Large or unusual flows can trigger Source of Funds checks.

On‑/off‑ramp partners. In regions without direct bank support, Crypto.com can route purchases via third‑party on‑ramps. Those providers set their own KYC, fees, and support; disputes with third parties are handled by the provider.

Fiat rails by region

• PayPal availability is limited and subject to eligibility.

Withdrawal Networks and Fees Matrix

Where supported, choose lower‑fee networks (e.g., TRC‑20, Cronos, or Polygon) for stablecoins and match the deposit network to the withdrawal network to avoid loss.

How to Withdraw Money from Crypto.com to a Bank Account

1. Open the app and go to your fiat wallet withdrawal flow.
2. Select your currency and confirm a verified bank beneficiary.
3. Enter the amount and review any minimums and daily limits.
4. Confirm the fee and arrival window (ACH ~1–3 business days; SEPA ~1 business day).
5. Approve with 2FA and track status in History.

Yes, Crypto.com maintains 1:1 proof of reserves, $750 million cold‑storage insurance, and layered user protections (2FA, device/session controls, withdrawal whitelists). Fiat cash at partner banks may be FDIC‑insured. Crypto is not.

Controls. Crypto.com uses a cold–hot wallet model with most assets in cold storage, 2FA (TOTP), anti‑phishing codes, device/session management, and optional withdrawal address whitelisting (adds a 24‑hour lock on new addresses).

Custody and insurance. Custodial assets are held by Crypto.com with institutional partners. Crypto.com states $750 million cold‑storage insurance. Fiat balances are held at partner banks; U.S. cash accounts benefit from FDIC coverage via sweep programs. Crypto assets are not deposit‑insured.

Proof of reserves. A public PoR portal provides Merkle‑tree self‑verification and reports 1:1 backing. The first attestation was Dec. 9, 2022; ratios are updated on the site.

Incidents. Recent examples include vendor maintenance affecting U.S. cash accounts and a temporary Exchange App sign‑up issue in Nov. 2025, both resolved. A material historic event occurred in Jan. 2022 when ~$35 million was stolen via a 2FA bypass; affected customers were reimbursed and controls were hardened.

How to Verify PoR Yourself

1. Open the PoR page and log in to your App or Exchange account.
2. Copy your Merkle leaf from the verification screen and open the auditor page.
3. Paste and verify your leaf to confirm account inclusion; note the attestation date and that PoR verifies assets held, not off‑platform liabilities.

Status Page and Incident History

• Status hub: status.crypto.com — live updates in HKT/UTC with incident posts and maintenance notices. If you’re asking “Is Crypto.com down?”, check status.crypto.com for real‑time incidents and maintenance.

This section covers day‑to‑day UX (navigation, performance, accessibility, localization) and how to get help on Crypto.com. Findings draw on the App and Exchange UIs, App Store / Google Play listings, the Help Center, and the public Status page. Details may vary by region and device.

UI and Navigation

The App opens to a portfolio dashboard with quick Buy/Sell/Transfer and a bottom nav to Markets/Track, Wallets, Card, and Rewards. The Exchange presents a pro layout with TradingView charts, order book, trades, and an order ticket. Internal transfers between App and Exchange wallets are free. Updates are frequent and a public Status page posts incidents; the UI supports 24 languages with broad parity across iOS/Android and web.

Mobile App

Available on iOS (iOS 15.1+) and Android. The App covers simple trading, fiat/crypto funding, Earn/staking, card management, and alerts; the Exchange (web or Exchange app) is required for advanced orders, margin, and perps. U.S. retail cannot access the Exchange; EU/UK/CA/AU restrict retail derivatives. There is no desktop app; use the web app on macOS or Windows.

Registration

Sign up in‑app with email and password, verify your mobile number (OTP), then complete KYC with government ID and a selfie/liveness check; proof of address may be requested. Most reviews clear in hours to a couple of business days. During sign up, you can enter a referral or promo code. Enable 2FA (authenticator app) and set an anti‑phishing code after first login.

KYC and Geographic Access

Policy and triggers by level. Crypto.com requires identity verification to deposit, trade, or withdraw. KYC includes ID + selfie/liveness, with proof of address where applicable. Enhanced due diligence (EDD) can be triggered by large/unusual flows or profile changes. Pending verification limits funding/trading/withdrawals until approval.

Accepted documents and timelines. Accepted IDs include passport, national ID, or driver’s license (U.S. users: state ID/driver’s license). Proof of address accepts utility/bank/official letters within the stated recency window. Typical review time is hours to 1–2 business days; peak periods can extend this.

Availability and notable restrictions. The App operates in many countries but does not serve New York (US) and numerous restricted/sanctioned jurisdictions. U.S. retail cannot access the Exchange; EU/UK/CA/AU restrict retail derivatives.

Verification Levels and Withdrawal Limits

Geo Access and Entity Mapping

Customer support

Crypto.com customer service is available via 24/7 live chat and email; there is no customer service number. For quick help, use the in‑app customer service chat.

Channels and availability. Primary support is 24/7 live chat in‑app and on the web. Email support is available at [email protected]; the Help Center hosts searchable guides. No public phone support is offered. A public Status page shows live incidents and maintenance.

Responsiveness and SLAs. Live‑chat first response typically ranges from minutes to hours depending on volume; no formal SLA is published. Complex cases (EDD, account reviews) resolve after document checks.

Authentication and safety. Always initiate chats from within the App/Exchange or the verified web chat. Support will not ask for your password or 2FA codes. Verify URLs and sender domains before acting.

Self‑serve resources. Use the Help Center for step‑by‑step articles (funding, limits, withdrawals) and check the Status page before opening tickets during incidents.

Escalation and account holds. For account lockouts, KYC/EDD reviews, or withdrawal holds, provide the requested ID and documents (e.g., source of funds). Escalations may take multiple business days in peak periods.

Crypto.com suits intermediate, multi‑feature users who want an all‑in‑one platform: a large coin roster, fiat rails, and a Visa card in one app. If you plan to trade on the Exchange and can stake CRO for discounts, you can keep costs competitive. It also fits users who value broad on/off‑ramps across USD/EUR/GBP with clear settlement windows and prefer a platform with public proof of reserves and mature security controls.

By contrast, fee‑sensitive casual buyers who primarily use instant card purchases, derivatives‑first traders seeking high leverage or US access, and users who prioritise fast, human support may prefer alternatives focused on those strengths.