Crypto.com Review 2025: Is This A Good Crypto Exchange?

Crypto.com is a popular place to buy, sell, and explore cryptocurrency, and this review will help you decide if it's right for you. The exchange has over 50 million users, an easy-to-use app and website, along with extras like staking, affiliate options, and a Visa card. We'll look at its fees, safety, and how it works to see if it fits your trading needs.

Crypto.com Overview: ChainPlay Score

Crypto.com Overview: 4.2 ⭐ ChainPlay Score

Ease of Use: 4.5 ⭐

Crypto.com's sleek app simplifies trading, staking, and card management with fiat on-ramps, making it beginner-friendly.

Security: 4.5⭐

With 100% cold storage, a $360M insurance policy, and ISO/IEC 27001:2013 certification, Crypto.com is secure.

Fees: 3.5⭐

Crypto.com's fees are competitive;

Customer Support: 3.5⭐

Crypto.com offers 24/7 chat and email support with a solid Help Center, but slow resolutions for complex issues and no phone option limit its effectiveness.

Trading Features: 4.0⭐

Crypto.com provides spot trading, margin, and perpetual contracts alongside unique Earn and Launchpad options.

Withdrawal Process: 4.0 ⭐

Crypto.com ensures smooth withdrawals for verified users.

Products & Rewards: 4.5 ⭐

Crypto.com offers Earn, DeFi Staking, a Visa Card, and referral bonuses.

What Is Crypto.com? 

Crypto.com is a global cryptocurrency exchange originally founded in Hong Kong in 2016 and now headquartered in Singapore. It serves over 50 million users in more than 90 countries, including the USA, Canada, Australia, and Europe. This crypto exchange supports a wide range of crypto assets and allows users to buy, sell, and transfer digital currencies directly from a linked bank account. Known for its competitive trading fees, Crypto.com also prioritizes security, operating through a regulated custodian bank account and following a strict secure software development lifecycle.

Crypto Assets

Crypto.com supports over 250 digital assets, offering approximately 100 trading pairs and 20 fiat currencies. It also offers features like spot trading, margin with up to 10x leverage, and derivatives trading with up to 100x leverage. Additional features include a Visa card, a DeFi wallet, and an ecosystem powered by its native token, Cronos (CRO).

Pros

• Staking CRO slashes trading fees to as low as 0%.
• Crypto.com has a cold storage and a $350M+ insurance fund, ensuring users' assets are protected. 
• Provides a Visa card, DeFi wallet, NFT marketplace, and staking services.

Cons

• Despite offering live chat and email, response times are often slow or response unhelpful.
• Some cryptocurrencies have relatively high withdrawal charges.
• The exchange does not offer features like p2p and copy trading.

Who Is Crypto.com Cryptocurrency Exchange Suitable For?

Crypto.com Exchange is suitable for a variety of users based on its features, ecosystem, and trade-offs as of March 08, 2025. Here's who it fits best, written in a clear, concise way without assuming your prior Elympics focus:

• Active Crypto Traders: Its low fees (down to 0% with CRO staking) and 350+ coin options make it ideal for frequent traders who can leverage high volume and don't mind staking to cut costs.
• Ecosystem Enthusiasts: People who want an all-in-one experience—trading on the Exchange, using the mobile app, managing DeFi, or spending via the Visa Card (with up to 5% CRO cashback)—will find its interconnected tools appealing.

Crypto.com Crypto Trading Review

Crypto.com offers different types of trading features and we'll review each of them in this section. With Crypto.com, you have access to:

Crypto.com Spot Trading

Crypto.com provides a secure exchange environment for executing crypto transactions, offering both derivatives and an intuitive spot trading platform. Users can easily deposit funds, transfer funds, and withdraw crypto in several fiat currencies. The platform supports a wide range of supported fiat currency pairs and offers low trading fees for active users in the crypto community.

For those interested in crypto trading, the spot market on Crypto.com allows users to buy, sell, and convert various digital assets with competitive spot trading fees. The platform's tools appeal to both retail investors and professionals looking to diversify in decentralized finance.

Types of Spot Trades on Crypto.com

1. Limit Order: Traders can lock in prices by setting exact buy or sell levels. Orders execute once the market hits those levels, reducing the need for constant monitoring.
2. Market Order: Ideal for speed, market trades fill instantly at the best available price, though slippage may occur during high volatility.
3. Stop-Limit Order: Combines price protection and control by triggering a limit order when the stop price is hit, aiding risk management.
4. TWAP Order: Designed for large-volume trades, TWAP splits the order into smaller parts over time to avoid large swings in market price.

Crypto.com also enforces two factor authentication for enhanced security during all transactions.

Crypto.com Derivatives Trading

Crypto.com offers a Futures Trading platform where users can trade crypto with leverage, allowing them to amplify their gains (or losses). Unlike spot trading, where you own the actual asset, futures trading lets you speculate on price movements without holding the cryptocurrency.

Types of Futures Trading on Crypto.com

1. Perpetual Contracts: These contracts do not have an expiration date, meaning traders can hold their positions as long as they want. They track the price of an asset and use a funding mechanism to keep prices aligned with the spot market.
2. Quarterly Contracts: These contracts expire at a fixed date every three months. Traders can use them to bet on price movements over a longer period.
3. Leverage Trading: Crypto.com allows users to trade with up to 100x leverage, meaning you can control a position much larger than your actual funds. For example, with $100, you can enter a $10,000 trade if you use 100x leverage. However, this also increases the risk of liquidation if the market moves against you.

Crypto.com Margin Trading

It is available exclusively on its Exchange platform (not the app alone), allowing users to borrow funds to trade crypto with leverage. Launched in November 2021, it offers over 100 leveraged trading pairs, including popular coins like SOL, LUNA, DOT, BTC, and ETH. You can amplify your position up to 10x, meaning for every $1 you put in, you can trade with $10 worth of assets. It's designed for traders who want bigger exposure to the market without tying up all their cash upfront.

Key Features

• Leverage: Up to 10x on spot trading pairs. It's not the highest out there (e.g., Bybit offers 100x), but it's solid for moderate risk-takers.
• Supported Pairs: Over 100 pairs, covering majors (BTC/USDT, ETH/USDT) and altcoins (SOL/USDT, DOT/USDT). Check the Margin Rules page for the full list.
• CRO Staking Benefits: Staking Crypto.com's native token (CRO) lowers borrowing interest rates and trading fees, which drop as low as 0% for high-volume traders staking big amounts.
• Interest Rates: Charged hourly on borrowed funds, varying by coin and market demand (e.g., often 0.01%-0.1% daily). Staking CRO cuts this cost.
• Risk Management: Margin calls warn you if collateral drops too low, and liquidation kicks in if you can't top up (liquidation fee: 0.5%).

Fees

Trading Fees: Follow the Exchange's maker/taker model—0.25% maker and 0.5% taker at entry level, dropping to 0% with CRO staking and $10M+ monthly volume.

Interest: Borrowed funds accrue interest hourly (e.g., 0.05% daily for BTC might mean 18% annualized if held long-term). Staking CRO reduces this.

Liquidation Fee: 0.5% flat fee if your position gets liquidated, charged in the traded asset.

Crypto.com Demo Trading

Crypto.com provides a Strike Options Demo Trading mode, launched in March 2024, primarily for U.S. users on the Crypto.com app. This lets you practice trading options (contracts betting on price movements) using virtual funds, mimicking real market conditions without risking your money. You can open up to 10 positions at once, with live data to test strategies.

What It Doesn't Cover

• No Full Exchange Demo: Unlike some competitors (e.g., Binance's Futures Testnet or Bybit's full demo), there's no broad demo mode for spot trading, margin, futures, or trading bots across the Crypto.com Exchange or app. The demo is options-specific.
• Not Global Yet: It's rolled out for U.S. app users, with plans to expand, but availability outside the U.S. isn't fully confirmed—check your app to see if it's live in your region.

Crypto.com Trading Bots Review

Crypto.com offers trading bots through its cryptocurrency platform's Exchange interface, enabling users to trade cryptocurrency automatically. These bots are not available on the basic app and cannot be accessed by New York residents. Designed for digital assets, they allow users to build strategies like buying dips or selling rallies without constant market monitoring.

Popular among users seeking staking rewards or to get rewards passively, these bots simplify participation in market trends. The platform, considered a popular cryptocurrency exchange, integrates with financial institutions to provide secure and regulated access to trading features.

Types of bots include:

• DCA (Dollar-Cost Averaging): This strategy spreads out buys (e.g., $100 BTC monthly), helping users avoid high fees from lump-sum purchases and navigate volatility.
• Grid Trading: Capitalizes on price fluctuations by placing buy/sell orders above and below the current market rate.
• TWAP: Ideal for large orders, it breaks trades into smaller pieces to avoid sudden price movements.
• Arbitrage: Targets price gaps across cryptocurrency exchanges, though setup is complex.

With support on both desktop and mobile devices, the bots offer a blend of brokerage services and smart automation, helping users buy crypto and get rewards more efficiently. Minimum withdrawal policies still apply, keeping the platform safe and reliable.

Crypto.com Fees Review

In the Crypto.com review, it uses a maker/taker model for trades. Fees depend on your 30-day trading volume and CRO staking.

Deposit Fees

Crypto Deposits: Free to send crypto to your Crypto.com wallet or Exchange. You just pay network fees which aren't set by Crypto.com.

Fiat Deposits: ACH (U.S.) bank transfers are free and widely used. SEPA bank transfers (Europe) also allow free euro deposits. For international deposits, SWIFT bank transfers apply, with fees ranging from $10–$30, depending on the bank. While Crypto.com doesn’t charge directly, the bank transfers involved may carry hidden costs. Overall, bank transfers remain the most common method for fiat deposits.

Withdrawal Fees

Crypto: High compared to others, varies by coin:

• BTC: 0.0005 BTC (~$30-$50 at $60k/BTC), minimum 0.001 BTC.
• ETH: 0.005 ETH (~$10-$15).
• USDC (ERC-20): 25 USDC ($25).
• CRO: 0.5 CRO (~$0.05)—their token's cheap to move.
• Check the website for the details on trading fees. 

Fiat: Free via ACH/SEPA bank transfers in most cases, though some banks may apply charges. Bank transfers are generally preferred for lower fees. However, fiat withdrawals via bank transfers from the exchange (e.g., converting USDC to cash) can cost up to $25. For many users, reliable bank transfers are the best way to manage fiat movement.

Also note that trading fees differ based on your level. Find the details in the tables below:

Minimum Withdrawal Amount

The minimum withdrawal amount on the Crypto.com exchange depends on the crypto asset or fiat currency and the chosen withdrawal method. For example, USD withdrawals via bank transfers (ACH) require a $100 minimum, while EUR withdrawals require at least €80. The cryptocurrency exchange also sets specific minimums and withdrawal fees for major coins.

Examples on the Crypto.com Exchange:

• BTC: 0.0008 BTC (fee: 0.0004 BTC)
• ETH: 0.01 ETH (fee: 0.005 ETH)
• USDT: 20 USDT (fee: 10 USDT)
• XRP: 11 XRP (fee: 0.5 XRP)

To trade cryptocurrency, users must ensure sufficient balance above the minimums. USD withdrawals via ACH incur no Crypto.com fee, though financial institutions may charge. Crypto withdrawals to an external crypto wallet typically take 2–3 hours, while transfers within the app are near-instant.

Full withdrawal info is available in the app under Settings > About on the crypto exchange.

Crypto.com Crypto Earn & Savings Review

The crypto exchange offers passive income features that let users deposit over 35 supported crypto assets and stablecoins to earn interest. Think of it as a high-yield savings account for your crypto assets, but with significantly more risk and complexity than traditional banking. This crypto exchange gives users flexible options to grow their crypto assets through automated rewards. The three features accessible on the crypto exchange are:

Supercharger

Supercharger is a liquidity mining platform where users deposit CRO into an event-specific pool during a “Charging Period” to earn rewards in another cryptocurrency, such as Bitcoin (BTC), Ethereum (ETH), or Shiba Inu (SHIB). Unlike traditional staking, Supercharger offers flexibility—you can deposit or withdraw CRO at any time during the Charging Period without fees. Rewards are distributed daily during a subsequent “Reward Period”, based on your “Reward Score,” which reflects your average CRO allocation relative to the total pool.

CRO Lockup

CRO Lockup allows users to commit a set amount of CRO—typically for 180 or 365 days, depending on the program—to access benefits within the Crypto.com ecosystem. Historically linked to the Visa Card tiers (e.g., Ruby Steel, Jade Green, Obsidian), it now operates alongside or as an alternative to Cardholder CRO Staking, depending on your location. Unlike staking, where CRO is locked on-chain to secure the Cronos blockchain, Lockup keeps your funds off-chain, managed by Crypto.com, with rewards set by the company based on market conditions.

The amount of CRO you lock up determines your tier and benefits:

• Ruby Steel: ~$400 USD (e.g., 5,000 CRO at $0.08).
• Jade Green/Royal Indigo: ~$4,000 USD.
• Icy White/Frosted Rose Gold: ~$40,000 USD.
• Obsidian: ~$400,000 USD.

Rewards include weekly CRO payouts (e.g., 4%–9.5% p.a., tier-dependent), card perks (cashback, Netflix rebates), and boosted Earn rates. Post-lockup, you can unlock your CRO in full, though benefits cease unless you re-lock.

Staking and DeFi

Staking on Crypto.com is completely free, but it's a rewarding way to grow your account. Through its staking program, users lock cryptocurrencies like ETH, SOL, and CRO to support networks and earn rewards, calculated based on token type and duration. Rates can vary and may be paid daily or weekly. As of 2025, it's available in the U.S. and globally, covering 30+ assets.

DeFi Features: Crypto.com’s DeFi Staking allows users to earn passive income by selling cryptocurrencies into high-yield protocols like CORGIAI or MTD. Rates vary based on the protocol. The DeFi Wallet offers advanced tools like staking, lending, and swaps across 28+ chains, all accessible from one secure app.

Loans

Crypto.com Exchange offers loans through its Lending feature, allowing users to borrow cryptocurrency by using their existing crypto holdings as collateral. This service is available to both retail and institutional users on the Crypto.com Exchange platform

The Lending feature is accessible via the Crypto.com Exchange web platform or API, requiring Advanced-level verification. However, it's subject to jurisdictional restrictions—users in some regions (e.g., certain U.S. states) may be ineligible due to regulatory limits. Check Crypto.com's geo-restriction list to confirm availability in your area.

Crypto.com Card

The Crypto.com Card is a prepaid Visa debit card that allows users to top up their card with cryptocurrencies or fiat currencies from their Crypto.com App wallet and spend it anywhere Visa is accepted. Unlike traditional debit cards linked to bank accounts, this card converts your crypto into fiat at the point of sale, offering easy spending without manual conversions. 

The card comes in five tiers, each tied to a CRO staking requirement:

• Midnight Blue: $0 CRO stake.
• Ruby Steel: ~$400 USD in CRO.
• Royal Indigo/Jade Green: ~$4,000 USD in CRO.
• Frosted Rose Gold/Icy White: ~$40,000 USD in CRO.
• Obsidian: ~$400,000 USD in CRO

Crypto.com Launchpad Review

The Crypto.com Launchpad is a token sale platform integrated into the Crypto.com Exchange, designed to give users early access to new cryptocurrency projects before they hit broader markets. Unlike decentralized launchpads, it operates as a centralized IEO platform, leveraging Crypto.com's infrastructure to vet projects and distribute tokens. Participation typically requires staking CRO to secure allocation in token sales, with rewards distributed post-event. 

The Launchpad aims to balance accessibility for retail investors with opportunities for high-profile project launches, often tied to the Cronos blockchain ecosystem.

Crypto.com NFT Marketplace Review

The Crypto.com NFT Marketplace is a centralized platform hosted on the Crypto.com website, distinct from the App and Exchange, where users can purchase, bid on, sell, or trade NFTs. It operates on the Cronos blockchain, supporting ERC-721 and ERC-1155 standards via cross-chain bridging from Ethereum and other networks. The marketplace features curated drops from artists, celebrities, and brands, alongside user-generated collections, with payments primarily in CRO, USDC, or fiat via credit card.

Unlike fully decentralized platforms like OpenSea, Crypto.com's marketplace emphasizes curation, user-friendliness, and integration with its ecosystem (e.g., staking perks, card rewards). It's positioned as a “premium” NFT hub, boasting over 1 million NFTs minted and $200M+ in trading volume since inception.

Crypto.com Referral And Affiliate Programs Review

Crypto.com's Referral Program targets existing Crypto.com App and Exchange users with bonuses for inviting friends, while the Affiliate Program aims at content creators and influencers with higher earning potential through commissions. 

Referral Program: Available on both the Crypto.com App and Exchange, this program rewards users for inviting friends with a referral code or link. Bonuses are tied to specific actions (e.g., staking CRO or trading), paid in CRO, and scale with the referee's activity. You can earn 50% of your referee's trading fees for 12 months, plus a one-time CRO bonus based on their first lockup (up to $2,000).

Affiliate Program: A more advanced offering, primarily through the Exchange, targeting influencers, bloggers, and marketers. Affiliates earn commissions (up to 50% of trading fees) by driving sign-ups and trading activity via custom links, with potential one-time bonuses up to $2,000 per referral. Affiliates get up to 50% of trading fees from referred users (30-day cookie window), with payouts starting at $100 via bank transfer, PayPal, or crypto.

How To Earn Rewards With A Crypto.com Referral Code?

As a referee, when you sign up with a referral code. you can earn earn a signup bonus of:

Amount: $10–$50 in CRO, matching the referrer's reward.

Conditions: The referee must stake CRO for a Visa Card within a specified period (typically 30 days) after signing up:

• $10 in CRO: Stake 1,000–4,999 CRO (~$80–$399 at $0.08 per CRO) for tiers like Midnight Blue or Ruby Steel.
• $50 in CRO: Stake 5,000+ CRO (~$400+) for higher tiers like Jade Green, Royal Indigo, or above.

Crypto.com Security Review: Is This Exchange Safe?

Crypto.com presents itself as a security-first crypto trading platform, implementing strong security measures to protect both crypto wallet access and user funds. It uses cold wallets to store 100% of customer crypto assets offline, while hot wallets hold limited corporate funds for day-to-day transactions like bank transfers or withdrawals.

Each user must secure their wallet address with multi-factor authentication (MFA) for logins, withdrawals, and sensitive actions. These security measures include biometric scans, authenticator apps, and SMS verification.

The platform carries a $360 million insurance policy covering custodial assets, which adds a layer of protection rarely offered by online brokers or other trading platforms. Additionally, features like withdrawal address whitelisting, minimum withdrawal amount policies, and alerts ensure a safer experience for other investors engaging with high-volume trading pairs. Crypto.com also works with financial institutions to maintain regulatory compliance.

Crypto.com Mobile App Review

The Crypto.com Mobile App is a free, user-friendly application that integrates most of Crypto.com's core services into a single interface. Unlike the Crypto.com Exchange (a separate platform for advanced trading), the app targets retail users with a streamlined design, fiat on-ramps, and real-world spending features. 

Features and Functionality

• Trading and Wallet
• Crypto.com Visa Card
• Crypto Earn
• Staking
• DeFi Staking
• Referral Program
• Security Features
• Price alerts, market charts, portfolio tracking, recurring buys, and fiat withdrawals to bank accounts.

The app has a clean, intuitive design with a dark/light mode toggle. The home screen offers quick access to wallet balances, card management, and markets.

Crypto.com Customer Support Review

Crypto.com has the following customer support channels:

• In-App Chat
• Email Support: [email protected]
• Help Center
• Social Media: X (@cryptocom), Reddit (r/Crypto_com), Telegram

How Do I Get Started With Crypto.com?

Step 1: Register Your Crypto.com Account With A Referral Code

Download the Crypto.com App or visit crypto.com/exchange, sign up with your email and a referral code, and verify your email to unlock a $10–$50 CRO bonus after staking.

Step 2: Complete Crypto.com Identity Verification

Submit your name, date of birth, address, ID (e.g., passport), and a selfie in the app's “Settings” > “Identity Verification” section to pass KYC, enabling full features like withdrawals and card access within 1–3 days.

Step 3: Deposit Funds To Buy Crypto

Fund your wallet by adding fiat via credit/debit card (3%–5% fee, instant) or bank transfer (free, 1–3 days), or deposit crypto (e.g., BTC, USDC) from an external wallet using your app-provided address.

Step 4: Start Trading

Tap “Trade” in the app, select from 250+ coins (e.g., BTC, CRO), buy or sell with your deposited funds at market rates, and explore recurring buys or price alerts to grow your portfolio.

What Are The Alternative Cryptocurrency Platforms To Crypto.com?

There are around 217 crypto exchanges out there, so you've got plenty of options besides Crypto.com. Here are some popular ones:

Coinbase

Coinbase is the largest U.S.-based crypto exchange by trading volume, known for its beginner-friendly interface and support for over 250 cryptocurrencies. It offers easy fiat on-ramps (e.g., PayPal, debit cards), staking, and a non-custodial wallet, appealing to its 100M+ users across 100+ countries. Security is a strong suit with 98% cold storage, FDIC-insured USD balances up to $250,000, and a clean hack-free record, though it faced an SEC lawsuit in 2023 for unregistered securities.

Binance

Binance is the world's largest crypto exchange by volume, offering 500+ cryptocurrencies and 19 fiat currencies across 224M users. Its low fees, high liquidity, and extensive featurescater to both beginners and advanced traders globally. Security includes a SAFU fund , two-factor authentication, and SSL encryption. Binance.US offers a limited version for Americans..

Kraken

Kraken is renowned for its security and low fees, serving 10M users with 200+ cryptocurrencies and 7 fiat currencies. It targets intermediate to advanced traders with margin, futures, and staking. Security is top-notch—95% cold storage, no major hacks in its history, and regular audits—earning it a reputation as one of the safest exchanges, despite an ongoing SEC lawsuit (2023) over unregistered securities.

Final Thoughts: Is Crypto.com A Good Crypto Exchange?

Crypto.com is a good crypto exchange for many users, offering a diverse ecosystem where its 50M+ users can trade 250+ cryptocurrencies, earn up to 14% APR via Crypto Earn, stake CRO for Visa Card perks, and explore DeFi or NFTs. Its mobile app simplifies fiat on-ramps and real-world spending, making it ideal for beginners and CRO enthusiasts, while the Exchange adds lending and Launchpad access for advanced users. 

You can check out some of our reviews for more info: MEXC vs Crypto.com, Crypto.com vs Binance, Bitget vs Crypto.com

FAQs

Is Crypto.com trustworthy and safe?

Yes, Crypto.com is considered trustworthy and safe, especially for users who rely on secure bank transfers. The platform uses licensed partners to process bank transfers efficiently. Whether you're funding your account or making withdrawals, bank transfers are encrypted and monitored. Many users prefer Crypto.com for its reliability with international and domestic bank transfers across supported regions.

Is Crypto.com better than Binance?

Whether Crypto.com is better than Binance depends on your priorities. Crypto.com excels in ecosystem versatility, offering a Visa Card , high-yield Earn, and DeFi staking, while Binance dominates in trading depth with 500+ coins, lower fees , and higher liquidity. 

Is Crypto.com good for beginners?

Yes. Crypto.com is excellent for beginners thanks to its intuitive app, simple fiat on-ramps, and helpful referral bonus. New users can easily create an account, verify the account, fund the account, and start to trade cryptocurrency or explore selling cryptocurrencies. The platform guides users through their first blockchain network transactions while protecting accounts from fake emails and fraud. Each account is secured by two-factor authentication and monitored for suspicious transactions. Beginners can also see rewards while learning how to navigate the blockchain network and manage transactions effectively.

Is Crypto.com legal in the USA?

Yes, Crypto.com is legal in the USA, operating under compliance with federal and state regulations.

Does Crypto.com require KYC?

Yes. Crypto.com requires full Know Your Customer (KYC) verification to access most features beyond basic account creation. While creating an account is simple, additional steps are needed to unlock transactions, bank transfers, and full trading access. Your account must be verified to process large transactions and enable crypto deposits, fiat withdrawals, and secure bank transfers between your bank account and the exchange. All accounts are linked to verified bank transfers.

What types of trading does Crypto.com offer?

Crypto.com offers spot trading, derivatives, and margin.

Does Crypto.com offer any signup bonuses to its users?

Crypto.com offers signup bonuses through its Referral Program

What is the minimum deposit requirement for Crypto.com?

Crypto.com has no fixed minimum for crypto deposits. However, fiat deposits often require at least $100 for fee-free bank transfers. Some regions may support lower bank transfers, but limits vary. Credit/debit cards require $20 minimum. Bank transfers remain the most reliable funding method, and many users choose Crypto.com specifically for its flexible and efficient bank transfers.