Crypto.com Review
Editorial record: June 1, 2026
Trading Fees
0.25% / 0.5%
Cryptocurrencies
350+
Founded
2016
Source status
Sources linked
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Risk Disclaimer
Cryptocurrency trading and investing involve a substantial risk of loss. Prices can change significantly in a short period, and you can lose some or all of your invested capital. This page gives information and does not give financial, investment, or legal advice. Check current provider terms and assess your risk before you make a financial decision. InsideCryptoReview can earn a commission from an affiliate link. A provider cannot approve or change our editorial copy. Past performance does not guarantee future results. Invest only an amount that you can afford to lose.
Editorial desk producing public-source crypto product research. Pages identify their evidence and limitations; hands-on testing is claimed only when dated evidence is shown.
Last Updated: June 1, 2026
Editorial MethodCrypto.com is a crypto platform founded in 2016. It offers an app, an exchange, a card program, a DeFi wallet, an NFT marketplace, and the Cronos network. Its published exchange fees, card benefits, product availability, and regional access can change. The platform experienced a security breach in 2022 and later changed some card and Earn terms. Check the current fees, card terms, custody disclosures, and product availability before you deposit funds or stake CRO.
Crypto.com
Public sourcesOur Editorial Verdict
Crypto.com offers a consumer app, a separate exchange, a card program, and a self-custody wallet. Each product has different fees, terms, and regional limits.
The card program can require a CRO stake for some tiers. CRO can lose value during a lock-up, while Crypto.com can change card benefits and eligibility.
Crypto.com reported a January 2022 breach that affected 483 accounts and involved $33.8 million. The company said it reimbursed affected users and replaced its two-factor authentication system.
Crypto.com also added a 24-hour delay for withdrawals to new addresses. Its published controls include SOC 2 Type II certification, ISO 27001 certification, insurance, and cold-storage claims.
The main app and the Exchange can quote different prices. Compare the final app quote with the Exchange order book when both products are available.
Check these terms before you deposit
- Card eligibility, CRO stake, lock-up period, and benefit rules
- Exchange trading fees and the final app quote
- Withdrawal fee, network, and minimum amount
- Custody terms, insurance limits, and local product access
Crypto.com changed card and Earn benefits in 2022. CRO remains volatile, and no exchange account removes custody, counterparty, or market risk.
Crypto.com overview
Crypto.com began as Monaco in 2016 and adopted its current name in 2018. Kris Marszalek is the chief executive.
The company has used sports sponsorships to build brand recognition. Registration counts do not show active users, liquidity, or service quality.
Product structure
- Crypto.com App: Supports simple purchases, card management, and eligible Earn products.
- Crypto.com Exchange: Provides order books and advanced order types as a separate service.
- Crypto.com Onchain Wallet: Gives users control of private keys for supported networks and applications.
- Crypto.com Pay: Provides payment tools for eligible merchants and customers.
- Cronos: An EVM-compatible network that uses CRO within its ecosystem.
The app and Exchange can have different fees, asset lists, and regional access. Confirm which legal entity provides each product in your location.
CRO exposure
Some card tiers and fee discounts depend on CRO holdings or staking. CRO fell sharply after its November 2021 peak.
A fixed CRO stake can lose value during its lock-up. Compare the possible benefit with the full value at risk.
Regulatory scope
Crypto.com lists licenses or registrations in several jurisdictions. A registration does not provide the same protection as deposit insurance or a custody guarantee.
Check the relevant regulator, legal entity, and product permissions for your country.
Crypto.com app and Exchange pricing
Crypto.com uses separate pricing for the consumer app and the Exchange. A low Exchange fee does not describe the app's total purchase cost.
Exchange trading fees
The Exchange uses volume tiers and can offer CRO-related discounts. Confirm the current maker fee, taker fee, discount rules, and eligible trading volume.
App quotes
The app includes its cost within the final quote. Compare the app quote with the Exchange order book before you approve a large purchase.
Quoted prices can change during volatile markets. Less-liquid assets can also have wider spreads.
Deposits and withdrawals
Bank transfers can cost less than card funding, subject to location and account eligibility. Card and digital-wallet charges can add a percentage fee.
Crypto withdrawals use asset-specific fees and networks. Confirm the network, destination format, minimum amount, and final charge before you send assets.
Card costs
Card limits, ATM allowances, foreign-exchange terms, and CRO requirements depend on the tier and region. Check the current card terms before you stake CRO.
Four checks before a transaction
- Compare the app quote with the Exchange order book.
- Check the funding fee shown for your account.
- Confirm the withdrawal network and final charge.
- Review CRO price risk separately from any discount.
Crypto.com security and the 2022 breach
Crypto.com's January 2022 breach is material to any security review. The company reported unauthorized withdrawals from 483 accounts, totaling $33.8 million.
Crypto.com said it reimbursed affected users. It then replaced its two-factor authentication system and added a 24-hour delay for new withdrawal addresses.
Published controls
Crypto.com publishes the following security claims and certifications:
- SOC 2 Type II certification
- ISO 27001 certification
- PCI DSS Level 1 certification for card operations
- Cold-storage and insurance disclosures
- Withdrawal address allowlists and anti-phishing codes
Check the scope, date, exclusions, and legal entity for each claim. Insurance does not cover every loss or guarantee repayment.
Proof of reserves
Crypto.com publishes proof-of-reserves information for selected assets. Check the covered assets, liabilities, date, method, and any independent assurance statement.
Proof of reserves does not replace a complete financial audit. It also does not prove that all liabilities and operational risks are covered.
Account controls
Use an authenticator app or hardware security key for two-factor authentication. Add withdrawal addresses before you need them, because new addresses have a delay.
Set a unique anti-phishing code for platform emails. Freeze the account through official support channels if you detect unauthorized activity.
Regulatory checks
Crypto.com operates through different legal entities across several jurisdictions. Confirm the regulator, license scope, and available products for your location.
A past breach, certification, insurance policy, or reserve disclosure cannot guarantee a future deposit. Keep only the trading balance that you accept as exposed.
Crypto.com product considerations
Crypto.com combines consumer purchases, exchange trading, card management, and self-custody tools. Product terms and regional limits determine which features a user can access.
Card terms and CRO exposure
Some card tiers require a CRO stake. Compare the stake value, lock-up period, reward cap, exclusions, and subscription benefits.
CRO is volatile. A reward can be smaller than the loss on a locked stake.
App purchases
The app supports simple purchases and portfolio viewing. Compare its final quote with the Exchange before you approve a trade.
Earn products
Eligible Earn products can have fixed or flexible terms. Read the yield, withdrawal, counterparty, and coverage disclosures before you transfer assets.
Identity and regional limits
Crypto.com requires identity checks for regulated services. Review the privacy notice and the requirements for your legal entity.
Derivatives and other products can be unavailable in some countries. Confirm local access before you fund an account.
Card value calculation
Use the current terms to calculate a card tier's value:
- Add the rewards you expect from eligible spending.
- Add only subscription benefits that you already use.
- Subtract card, foreign-exchange, and funding charges.
- Treat the full CRO stake as volatile capital at risk.
- Check whether a lock-up prevents an early exit.
The card calculation changes when benefits, spending, or CRO's price changes. Do not treat a promotional reward as a guaranteed return.
Crypto.com, Coinbase, and Binance comparison
Crypto.com, Coinbase, Binance, Gemini, and Kraken differ by legal entity, region, fee schedule, custody model, and product access.
Compare like with like
Compare Crypto.com's Exchange with another order-book exchange. Do not compare an Exchange fee with the final quote from a simple purchase service.
Product scope
Crypto.com combines an app, an Exchange, a card program, and a self-custody wallet. Competing platforms can offer different combinations in each country.
Regulatory scope
Confirm the operating entity and regulator for your location. A company-level license does not mean every product is available under that license.
Security evidence
Compare incident history, account controls, custody disclosures, insurance terms, and reserve reports. No single security claim proves that funds are safe.
Decision checklist
- Check the final trading cost for your order size.
- Confirm that the required asset and network are available.
- Review withdrawal fees and custody terms.
- Check card or derivatives access for your country.
- Read the latest incident and enforcement disclosures.
Use the same checklist for Coinbase, Binance, Gemini, and Kraken.
How to open an account and review the card
Crypto.com uses a mobile-first account process. Identity requirements and card access vary by country.
1. Register through an official channel
Open crypto.com or install the official app. Use a unique password and verify the email address.
2. Complete identity verification
Prepare an accepted identity document. Crypto.com can also request a live selfie and proof of address.
Verification time varies. Some products remain unavailable until Crypto.com approves the account.
3. Secure the account
Enable two-factor authentication with an authenticator app or hardware key. Set an anti-phishing code for platform emails.
Add approved withdrawal addresses. Crypto.com applies a 24-hour delay to a new address.
4. Review card terms
Open the card section and check the tiers available in your country. Review the CRO requirement, lock-up, reward cap, exclusions, and delivery terms.
Do not stake CRO until you accept the token's price risk and the current benefit rules.
5. Fund the account
Compare the displayed cost for bank, card, and crypto funding. A sending wallet can charge its own network fee.
6. Review the order
Check the asset, amount, final quote, and payment charge. Use the separate Exchange when you need an order book or limit order.
Start with a small transaction. Confirm that withdrawals work before you keep a larger trading balance on the platform.
Crypto.com public review context
Public review scores and app-store ratings change over time. They can reflect disputes, review prompts, or technical issues, so they are not a reliable measure of safety, service quality, or suitability.
Public comments commonly mention identity verification, withdrawal reviews, support response times, card benefit changes, app quotes, and the difference between the app and the Exchange. These comments are anecdotal. Read recent reviews in full and check Crypto.com's current product terms before you fund an account.
The 2022 breach and later changes to card benefits are relevant context. They do not establish how the service will handle a future account issue.
Pros & Cons
What We Like
- The app combines purchases, portfolio viewing, and card management
- The separate Exchange supports order books and advanced order types
- Crypto.com publishes security certifications, insurance terms, and reserve information
- Some regions have access to bank transfers and a payment card
- The Onchain Wallet provides self-custody access for supported networks
What Could Be Better
- Crypto.com changed card and Earn benefits in 2022
- Some card tiers expose users to CRO price risk during a lock-up
- The app and Exchange can show different prices and costs
- The separate app and Exchange can make cost comparisons harder
- Crypto.com reported a $33.8 million account breach in January 2022
- Product access and legal entities vary by country
What to check
This profile summarizes public-source information. Check the linked evidence for each factor before you decide.
- Trading Fees
- Security
- User Experience
- Customer Support
Crypto.com vs Exchanges
| Feature |  |  |  |  |
|---|---|---|---|---|
| Trading Fees | 0.25% / 0.5% | 0.1% / 0.1% | 0.1% / 0.1% | 0.2% / 0.2% |
| Cryptocurrencies | 350+ | 490+ | 700+ | 200+ |
| Security | 2FA available | 2FA available | 2FA available | 2FA available |
| Read Review → | Read Review → | Read Review → | Read Review → |
Frequently Asked Questions
Crypto.com experienced a security breach in January 2022. It states that it reimbursed affected users and later changed some account-security controls. It also publishes information about insurance, cold storage, certifications, and regulatory registrations. These claims and past actions do not guarantee future protection or reimbursement. Check the current coverage limits, custody terms, account-security controls, and local regulatory record before you deposit funds.
Review the current card tier, CRO stake, lock-up period, benefit terms, payment-network terms, and regional availability. Crypto.com changed some card benefits in 2022, and CRO can lose value during a lock-up. Calculate the card's cost and possible token loss separately from any stated reward or subscription benefit.
Crypto.com reported a security breach in January 2022 and later changed card and Earn benefits. It also reported staffing changes and a transfer incident that year. These events are relevant when you assess counterparty, operational, and terms-change risk. Consult the company's current disclosures and independent primary records for details.
The Crypto.com App and Crypto.com Exchange are separate products. The app supports purchases, card management, and other consumer features. The Exchange lists order-book trading tools. Fees, quoted prices, logins, transfers, and product access can differ. Compare the current final quote and terms before you trade.
CRO, also called Cronos, is Crypto.com's platform token. Some card tiers, fee discounts, Earn terms, and blockchain activities can involve CRO. You do not need CRO for every platform function. CRO has had large price movements, and a stake can lose value while it is locked. Review the current token, card, and staking terms before you acquire or stake CRO.
Their legal entities, asset lists, fees, card programs, custody disclosures, and regional products differ. Check each platform's current terms and the regulatory record that applies to your account before you deposit funds.
Crypto.com offers some services in the United States through specific legal entities and registrations. Available products, assets, card terms, account protections, and payment methods vary by state and can change. Derivatives and some exchange products may be restricted. Check the current terms, state availability, and relevant regulator record before you apply.
Keeping assets with an exchange exposes you to custody, operational, counterparty, and market risk. Crypto.com has a 2022 breach in its record and publishes information about insurance, cold storage, certifications, and proof of reserves. These disclosures do not guarantee that a future loss will be covered. Check current coverage limits, exclusions, custody terms, withdrawal controls, and the risks of self-custody before deciding where to hold assets.
Crypto.com requires identity verification for regulated account services. It can request an identity document, live selfie, and proof of address. Verification time varies by country, document quality, and demand. Some account functions remain unavailable until Crypto.com approves the verification.
The main app uses a simple purchase flow and does not require order-book knowledge. Check the final quote because convenience pricing can cost more than an Exchange order. Card tiers add CRO price risk and changing benefit terms. Learn the basic purchase and withdrawal process before you consider a CRO stake.
Crypto.com lists in-app chat, email, and support options for some card issues. Channel availability and response times can vary by location, account, request, and demand. Check the current support process and escalation path before you rely on it for a time-sensitive issue.
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Crypto.com offer details
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Sources & References
Market Data
User Reviews
Documentation
External links open in a new tab. We are not responsible for third-party content.
Risk Disclaimer
Cryptocurrency trading and investing involve a substantial risk of loss. Prices can change significantly in a short period, and you can lose some or all of your invested capital. This page gives information and does not give financial, investment, or legal advice. Check current provider terms and assess your risk before you make a financial decision. InsideCryptoReview can earn a commission from an affiliate link. A provider cannot approve or change our editorial copy. Past performance does not guarantee future results. Invest only an amount that you can afford to lose.