Crypto.com Review 2026: 3.3 Out of 5, Two Prices Under One Brand, and What the App Quote Hides From the Exchange Fee
- Crypto.com scores 3.3 out of 5 overall, with a 4.5 on deposits and withdrawals and 2.5 on fees and on derivatives, where the entry-tier Exchange schedule and the contract terms sit inside the app rather than on an open page.
- The App's EEA fee schedule lists 0.80% per cash-to-crypto or crypto-to-crypto purchase plus a spread, and up to 4% on card purchases, so a $1,000 App buy costs $8 before the spread against $0.50 as a taker on MEXC.
- Zero App trading fees in the US are a subscription or a lock-up: Plus at $4.99 a month up to $20,000 of monthly trading, Pro at $29.99 a month up to $50,000, or a 12-month CRO lock-up of at least $50,000 for no cap.
- Crypto.com Exchange's lowest openly published tier, VIP 1, charges 0.0631% maker and 0.0970% taker and requires 1,000 CRO or more plus $1 million of 30-day volume or an equivalent balance.
- Crypto.com fully reimbursed the 483 accounts hit in its January 2022 hack, publishes a proof of reserves, and has held a MiCA authorisation in Malta since 27 January 2025.
- Readers in the US, EEA and UK have a licensed option in Crypto.com and no account at MEXC; readers elsewhere who work from an order book can compare MEXC's one published price below.
Why Does Crypto.com Have Two Prices, and Which One Are You Paying?
How We Scored Crypto.com
Where Is Crypto.com Available, and Where Is MEXC?
Regional availability for the other major platforms is covered in the complete exchange alternatives comparison.
Crypto.com Scorecard 2026: Six Scores and One Overall Figure
Dimension | Score (out of 5) | What we measured | Verified against |
Fees and costs | 2.5 | App: 0.80% per purchase on the EEA schedule plus spread, up to 4% by card; US zero-fee tiers by subscription or CRO lock-up; Exchange VIP 1 at 0.0631% maker and 0.0970% taker with 1,000 CRO or more; Exchange non-VIP schedule shown inside the app only | EEA Fees and Limits article of 19 May 2026, Level Up page, Exchange VIP programme page |
Asset coverage | 3 | 389 coins and 533 pairs tracked on CoinGecko, average bid-ask spread of 1.126% with liquidity rated low, no published listing count | CoinGecko exchange page |
Derivatives | 2.5 | Exchange derivatives offered with fees and leverage limits shown inside the app, US access through a CFTC-regulated affiliate, no open-page contract terms readable at the time of checking | Platform pages |
Security and custody | 4 | January 2022 breach of about $34 million across 483 accounts fully reimbursed, an account protection programme of up to $250,000, a published proof of reserves with about $2.39 billion tracked by CoinGecko, no incident in the twelve months to September 2026 | Mainstream reporting, platform pages, CoinGecko |
Deposits and withdrawals | 4.5 | Bank transfers, SEPA, ACH and cards in supported regions, a tiered Visa card, fixed per-asset withdrawal fees from the App with a two-to-three-hour quoted time and a hold on first withdrawals to a new address | Help centre and product pages |
Customer support | 3.5 | Help centre and in-app support channels; timed ticket test not yet run | Platform support pages |
Overall | 3.3 | Average of the six dimensions | Methodology page |
What Does Crypto.com Charge in Fees, on the App and on the Exchange?
Scenario | MEXC | |
One $1,000 purchase with cash | $8.00 on the App's EEA schedule at 0.80%, before the spread; up to $40 by card | $0.50 as a taker at 0.05%; $0.40 with the MX deduction; $0 as a maker |
$50,000 of monthly trading for a year | $4,800 on the App at 0.80%; or Pro at $299.90 a year with zero trading fees, where Crypto.com's footnote says spread may still apply; Exchange non-VIP rate not openly published | $300 as a taker at 0.05%; $240 with the MX deduction; $0 as a maker |
$1 million of monthly taker volume for a year | $11,640 at Exchange VIP 1's 0.0970%, which also requires 1,000 CRO or more | $6,000 at 0.05%; $4,800 with the MX deduction |
Every App and Exchange fee line, including Level Up and the VIP tiers, is set out in our Crypto.com fees explained guide.
How Broad Is Crypto.com's Asset Coverage?
How Strong Is Crypto.com for Derivatives?
To see the best crypto derivatives platforms compared on published fees, pairs and leverage, read our separate derivatives guide.
Is Crypto.com Safe? Security, Custody and the 2022 Breach
How Easy Are Deposits and Withdrawals on Crypto.com?
What Is Crypto.com Customer Support Like?
Crypto.com Benefits and Limitations
- A MiCA authorisation in Malta since 27 January 2025, US operations with securities through an SEC-registered broker-dealer, and a Singapore Major Payment Institution licence.
- Bank transfers, SEPA, ACH and cards in local currency, plus a tiered Visa card, which make it one of the easiest on-ramps in this series.
- A 2022 breach that was fully reimbursed, a $250,000 account protection programme and a published proof of reserves.
- A US product map that puts commission-free stocks, prediction markets and a self-custody wallet in one account.
- Two prices under one brand: an App quote with the spread inside it and an Exchange whose non-VIP schedule is shown only inside the app.
- Zero-fee App tiers that cost $49.90 to $299.90 a year or a 12-month CRO lock-up of at least $50,000.
- An average bid-ask spread of 1.126% on the Exchange with liquidity rated low by CoinGecko.
- Derivatives terms that cannot be read on an open page before opening an account.
Who Crypto.com Is For, and Who Should Look Elsewhere
- You live in the United States, the EEA, the United Kingdom or Singapore and want a platform licensed where you live.
- You use the Visa card or fund by bank transfer every week and value the on-ramp over the trading fee.
- You want US stocks, prediction markets and crypto in one account.
- You have noticed that the App quote is wider than a live order book and you trade often enough for that to matter.
- You will not pay $4.99 to $29.99 a month or lock CRO for twelve months to reach a zero-fee tier.
- You want to read the entry-tier Exchange schedule and the derivatives terms before you open an account.
For a view of the whole field rather than one brand, see the full best crypto exchanges comparison.
The MEXC View
Frequently Asked Questions
Risk and Compliance Notice
Read More
- Crypto.com Withdrawal Limit and Times 2026: 2 Hours to Move Crypto, 24 Hours to Add an Address
- How to Transfer Crypto From Crypto.com to Another Exchange or Your Bank: Why Can't You Leave the Same Day You Decide To?
- Crypto.com vs Coinbase (2026): 0.80% or 0.60%? Four Price Lists, One Honest Answer
- Crypto Exchange Fee Comparison: Only 6 of 12 Exchanges Will Show You Their Fees Without an Account
- Crypto Exchanges With Proof of Reserves: Can Yours Prove Your Money Is Still There?
- How to Transfer Crypto Between Exchanges: The Complete Guide to Switching Crypto Exchanges Without Selling a Coin
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