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Crypto.com

Consumer-focused exchange with a popular Visa debit card, cashback rewards, and an integrated DeFi wallet. Strong mobile experience.

centralized
Proof of Reserves
Beginner Friendly
Mobile App
Reviewed by Sarah Lin, Staff Writer — Exchanges Last verified: 2026-03-09Scoring methodology

This content is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional for advice specific to your situation.

Best For

Mobile-first users who want a crypto Visa card and cashback rewards

Pros

  • Crypto Visa card with cashback
  • Competitive trading fees
  • Wide asset selection
  • Strong mobile app
  • Proof of reserves

Cons

  • Card perks require CRO staking
  • Spread on instant buy can be high
  • Desktop interface less polished than mobile
  • CRO token dependency for best rates

Regulatory Status

Holds various licenses globally including in Singapore, France, and Dubai. U.S. operations through separate entity. Disclosed accidental transfer of 320K ETH to Gate.io in 2022 (recovered).

Regulatory status varies by jurisdiction and changes frequently. Always verify current licensing with your local regulator before depositing funds.

Enforcement History

minor
2022-10Public disclosure

Accidentally sent 320,000 ETH (~$400M) to Gate.io instead of cold storage. Funds were recovered, but incident raised operational control concerns.

Primary source

Why This Trust Score Is Not Higher

CRO token dependency means card perks and best rates require holding a volatile asset. Instant-buy spread markup is not always visible. The accidental ETH transfer incident, while resolved, raised questions about operational controls.

Trust scores are calculated using our published scoring methodology. Score changes are documented in our corrections log.

Key Information

Type
centralized
Maker Fee
0.075%
Taker Fee
0.075%
Proof of Reserves
Yes
Mobile App
Yes
Staking
Available

Country Availability

Available in:

US
UK
CA
AU
DE
FR
SG
BR

Availability can change without notice. Verify directly on the exchange's website for your specific country and region.

Deposit Methods

bank transfer
debit card
credit card
crypto
apple pay

Frequently Asked Questions

Is Crypto.com safe?+
Crypto.com publishes proof of reserves, meaning you can verify they hold the assets they claim. Regulatory status varies by jurisdiction — check the "Regulatory Status" section above for details specific to Crypto.com. No exchange is 100% safe — consider moving large holdings to a self-custody wallet after purchasing. Enable 2FA and withdrawal whitelisting for extra security.
Is Crypto.com good for beginners?+
Yes, Crypto.com is considered beginner-friendly with a straightforward interface and educational resources. If you're new to crypto, start with small amounts and use the "simple" buy interface if available.
What are Crypto.com's fees?+
Crypto.com's fees vary by trade type and volume. Check the "Key Information" section above for current maker/taker rates. Many exchanges also charge different fees for their "simple" vs "advanced" trading interfaces — the simple interface is usually more expensive. Always check the fee schedule on Crypto.com's website before trading.
Should I keep my crypto on Crypto.com?+
For active trading, keeping funds on Crypto.com is practical. For long-term holding or large amounts, move crypto to a self-custody wallet. Exchanges can freeze accounts, get hacked, or face regulatory issues. The safest approach: buy on the exchange, then transfer to your own wallet.