Crypto.com is a robust digital currency brokerage offering hundreds of cryptocurrencies and trading pairs for individual investors and institutions. The exchange also offers traditional stocks, ETFs, fractional shares, and options trading.
In early 2025, Crypto.com launched its US-based institutional-grade exchange, which provides active US-based investors with access to advanced trading technology.
Business Insider's personal finance team compared Crypto.com to the best crypto exchanges. We found it to be an industry-leading exchange for mobile crypto trading and crypto derivatives.
Pros and Cons
Crypto.com Pros
- 400+ cryptocurrencies; support for more than 20 fiat currencies
- Commission-free stocks, ETFs, and fractional shares
- Earn up to 5% cash back on purchases with Crypto.com Visa Card
- Set price alerts and price movement alerts on more than 250 assets
Crypto.com Cons
- Crypto.com is not available to New York residents
- High fees when using a credit or debit card
Open an Account
$1
Maker fees 0.0750% - 0% and taker fees are 0.0750% - 0.0500%; 0% credit/debit card purchases for first 30 days of opening account
- 350+ cryptocurrencies; support for more than 20 fiat currencies
- Separate NFT platform
- Earn up to 5% cash back on purchases with Crypto.com Visa Card
- You can set up price alerts and price movement alerts to stay updated on more than 250 assets
- Crypto.com Exchange isn't available to U.S. residents; U.S. investors limited to the mobile app
- Crypto.com isn't available to residents of New York
- High credit and debit card transaction fees
- Promotion: Get up to $2,000 for every friend you refer and 50% of their trading fees.
Compare Crypto.com
$2
0.50% spread for buy/sell transactions; transaction fee from $0.99 to $2.99; up to 0.60% for Coinbase Pro and Coinbase Advanced Trade
- Buy, sell, or store more than 250 cryptocurrencies like bitcoin and dogecoin
- Educational investment resources, mobile access, digital storage, and customer support
- Low account minimums
- Can earn rewards for certain cryptocurrencies
- Coinbase card lets you spend crypto or USD anywhere and earn crypto rewards; can deposit your paycheck into your account and convert from USD to crypto with no fees
- Pay more for lower balances
- High trading and transaction fees
- Limited staking options
Coinbase is one of the best investment platforms for crypto trading, staking rewards, and crypto storage. The crypto exchange offering nearly 250 coins and tokens and is great for active real investors who can utilize Coinbase's services, account options, and investment tools.
Coinbase- Promotion: Get $5 of bitcoin when you join Coinbase; earn up to $200 when you set up a new account and make your first purchase
- Features: Coinbase Earn rewards, Coinbase Pro advanced account, user-controlled storage, stablecoins, staking, and institutional trading tools.
- App store rating: 4.7 iOS/ 4.1 Android; Coinbase Pro: 4.7 iOS/ 4.1 Android
- Awards: Named Best Prime Broker in Hedgeweek's annual European Digital Assets Awards
$10
1/5%; 0% - 0.40% maker/taker fees
- Can exchange 200+ crypto assets
- Margin trading available
- Variety of educational resources and tutorials on cryptocurrencies
- Over-the-counter (OTC) trading and account management support available
- Kraken's futures and staking isn't currently available in the US
- Not available to residents of New York and Washington
- Features: More than 100 cryptocurrencies, margin and futures trading, OTC trading, account management for HNW individuals and institutional clients, multiple trading platforms, and educational resources.
- App store rating: 4.7 iOS/ 4.2 Android
$100 (in the USA and UK)
1% when you buy or sell a crypto asset; 0% stocks and ETFs, $2 monthly fee on uninvested cash if your cash balance is under $5k
- Can trade bitcoin, dogecoin, ethereum, Litecoin, and a dozen other popular virtual assets; stock and ETF trading available
- eToro's Copy Portfolios let you follow and copy the portfolios of experienced traders to enhance your investment returns
- Several educational resources
- Web and mobile app access
- Not available to residents of New York, Minnesota, Nevada, Puerto Rico, Tennessee, Hawaii, Guam, American Samoa, Northern Marianas, and the US Virgin Islands (see a full list of its geographic restrictions here)
- Limited selection of cryptocurrencies (eToro USA currently offers over 25)
eToro USA is a popular cryptocurrency exchange and investment platform that is best suited for beginners interested in automatic investing tools, Smart Portfolio options, crypto wallet storage, and more. But its crypto selection is fairly limited compared to other crypto exchanges.
eToro USA- Earn 4.90% APY on uninvested cash but if your cash balance is under $5k, you'll pay a $2 monthly fee
- Features: Dogecoin and more cryptocurrencies, CopyTrader system, Copy Portfolios, and eToro Trading Academy
- App store rating: 4.6 iOS/ 4.3 Android
- Cash is FDIC insured for up to $5 million with partner banks
Crypto.com Overview
Crypto.com is a global trading platform offering 400+ cryptocurrencies and altcoins to over 140 million investors worldwide. The exchange's educational resources, trading discounts, reward opportunities, and non-custodial wallet benefit crypto traders of all levels.
Although mainly a crypto exchange, Crypto.com has expanded its offerings beyond digital coins and tokens, giving traders access to US stocks, ETFs, and fractional shares. Crypto.com also plans to roll out banking features like credit cards and cash yields.
These traditional investing opportunities make Crypto.com more attractive to a wider audience of investors. However, buying cryptocurrency is still Crypto.com's primary offering.
On the Crypto.com app, you can choose from 15 crypto thematic baskets with pre-specified token ratios, offering instant diversification across the crypto industry. Its staking program is straightforward, and fees are fairly transparent.
Crypto.com University, the exchange's learning hub, allows novice crypto traders to expand their knowledge. It provides detailed explanations of trading strategies and crypto security, a monthly research newsletter, and a helpful glossary of key terms and trading lingo.
More advanced traders will appreciate the exchange's options trading strategies for crypto, including strike options and UpDown options. Other advanced trading tools include automated trading bots, 500+ spot pairs, and OTC trading for institutional and VIP users.
Crypto.com's customer service is limited, as getting assistance from an actual person with Crypto.com is difficult. The online chat function is the main form of customer support, but you can't type freely, and responses are pre-written.
Crypto.com has a rating of 4.6/5 on the Apple Store and a 4.5/5 on Google Play.
Ways to Invest with Crypto.com
Here's how to trade with Crypto.com.
Crypto.com Mobile App
Crypto.com's mobile app lets you purchase, sell, track, trade, and manage 400+ cryptocurrencies, including bitcoin, ether, litecoin, and dogecoin, all from your mobile device. It accepts more than 20 fiat currencies or debit/credit cards.
Before launching its US online exchange platform, the Crypto.com mobile app was the only way for US-based investors to use Crypto.com.
The mobile app works seamlessly with Crypto.com Visa Cards, which earn up to 5% back when paid in Cronos (CRO), Crypto.com's native token.
Crypto.com Stocks and ETFs
Crypto.com offers 5,000+ US fee-free stocks and ETFs, including fractional shares with SIPC coverage up to $500,000. Stocks offered on Crypto.com are from Foris Capital US LLC.
For a limited time, Crypto.com offers a promotional transfer bonus of up to 3% when you transfer stocks from another brokerage to your Crypto.com Stock account. If you transfer $2,000 or more, you may also receive a $100 reimbursement.
You can generate monthly passive income by loaning stocks in your Crypto.com account to Apex through the platform's Securities Lending feature. Apex then lends your stocks to other investors, market makers, and financial institutions. While you can still access your shares and can even sell them at any point, there is a risk of Apex defaulting on returning your shares.
Crypto.com Options Trading
Crypto.com offers regulated crypto derivatives. Crypto derivatives are high-risk financial contracts regulated by the Commodity Futures Trading Commission (CFTC). Starting at $10, Strike options allow you to capitalize on short-term volatility for crypto and fiat currencies.
Cryptocurrencies available for strike options include bitcoin, ether, litecoin, bitcoin cash, dogecoin, avalanche, chainlink, polkadot, shiba inu, stellar, hedera, solana, cardano, cronos, pepe, bonk, and folki.
UpDown options allow traders to profit from shifting asset prices without owning the underlying coin. To trade UpDown options on bitcoin, for example, you would determine if you think the price will go up or down, then select a preferred Target and Stop price.
Cryptocurrencies available for UpDown options include bitcoin, cronos, ether, litecoin, dogecoin, avalanche, chainlink, polkadot, shiba inu, stellar, hedera, pepe, solana, cardano, bonk, and floki.
Crypto.com Sports Events Trading
Crypto.com's Sports Event Trading feature is a unique form of derivatives trading that resembles sports betting. Rather than betting on a stock's price fluctuations or other security, you purchase a contract predicting whether a certain sports team will win or lose.
This is a perk for sports fans with a high risk tolerance who want to earn crypto rewards or already participate in sports betting. However, keep in mind that this is essentially gambling and is not recommended for beginners or risk-averse investors.
Crypto.com Crypto Baskets
Crypto.com offers pre-made Crypto Baskets with 15 different thematic options, including:
- BTC-ETH Duo: Bitcoin (BTC) and ether (ETH)
- Trio: Bitcoin (BTC), ether (ETH), and (CRO)
- Meme: Popular meme coins
- Solana: Popular coins in the Solana ecosystem
- AI: Coins commonly used in AI-based projects and services
Crypto Baskets provide instant diversification across multiple digital assets and are tracked separately from your main Crypto.com account in its own sub-account.
The optional rebalancing features apply pre-specified token ratios to your Basket, but you still have the flexibility to buy, sell, and adjust based on your preferences. Automatic rebalancing is also available.
Crypto.com Staking and Rewards
You'll be automatically enrolled in Crypto.com's Rewards+ loyalty program for no additional cost when you open a Crypto.com account. When you trade at least $100 a year, you can unlock exclusive perks and new levels (20 levels available). Available perks include extra rewards on stablecoins and additional trading privileges.
Crypto.com's app also offers Crypto Earn, Crypto.com Pay, Visa Card perks, crypto tracking features, and missions. Missions are achievements new users can complete within the first 90 days of opening their Crypto.com account to earn "Diamonds," which can be redeemed for various rewards.
In addition to reward opportunities, Crypto.com offers on-chain staking services for a large number of digital tokens, including ether, solana, and cronos.
Depending on the blockchain protocol of the asset being staked, you can receive staking rewards up to three times a week. However, Crypto.com does take a cut of your earned rewards, with most cryptocurrencies having fees of 20% or higher.
Crypto.com NFT
Crypto.com's NFT platform provides a space for transactions and information on NFTs. You can create, collect, and trade unique NFTs and view different creators and their collectibles. You can also subscribe to Crypto.com's newsletter to discover upcoming collectible launches.
Crypto.com Onchain
Onchain (previously the Crypto.com DeFi wallet) is Crypto.com's non-custodial multi-chain wallet for storing, swapping, buying, and trading crypto and other digital assets. Unlike the custodial wallet in the Crypto.com app, Onchain gives you complete ownership of your private keys.
The advantage of a non-custodial wallet is that you get full control over your private keys, which are encrypted and protected by two-factor authentication and biometric authentication.
Onchain allows you to manage tokens across various blockchains, track performance, and see real-time price movements. You can buy NFTs, swap funds between your Crypto.com accounts, and access staking services.
Onchain is available as a download on mobile or Chrome extension.
Crypto.com Fees
Crypto.com has a maker/taker fee schedule. Maker fees apply to trades that aren't matched immediately with someone else's order, while taker fees apply to orders that match immediately with other orders on the order book.
Crypto.com fees are calculated based on your 30-day spot trading volume (how much you spend on monthly trades) and whether your trades have a CRO lockup.
Spot trading fees without CRO lockup:
| 30-day trading volume | Maker fee | Taker fee |
| Less than 10,000 | 0.250% | 0.500% |
| 10,000 to 49,999 | 0.200% | 0.400% |
| 50,000 to 249,999 | 0.150% | 0.250% |
| 250,000 to 499,000 | 0.100% | 0.200% |
| 500,000 and up | 0.080% | 0.180% |
Spot trading fees with CRO lockup:
| 30-day trading volume | Maker fee | Taker fee |
| Less than 10,000 | 0% | 0.4400% |
| 10,000 to 49,999 | 0% | 0.3520% |
| 50,000 to 249,999 | 0% | 0.2200% |
| 250,000 to 499,000 | 0% | 0.1760% |
| 500,000 and up | 0% | 0.1584% |
Crypto.com charges a 0.5% fee for forced liquidation. There's also a $100 fee when transferring assets out from your Crypto.com account.
Withdrawal fees may also apply but vary by cryptocurrency. For example, Dogecoin has a 6 DOGE withdrawal fee, and investors must have a minimum of 12 DOGE to initiate the withdrawal.
Crypto.com Trustworthiness and Security
Crypto.com is a decently secure and trustworthy trading platform. However, crypto exchanges aren't registered or regulated by the same authorities that monitor online brokers and other trading platforms, leaving them vulnerable to hackers, scams, and bankruptcy.
The platform employs security features like data encryption, account monitoring, two-factor authentication, and SIPC insurance. All fiat currencies are held in a regulated custodian bank account.
Crypto.com stands out because it was the target of one public hack. The company acted swiftly, reimbursing its affected users and implementing new security protection measures. The Commodity Futures Trading Commission (CFTC) also regulates its derivative trading options.
To make sure your crypto transactions are legitimate and safe, Crypto.com requires investors to make a certain number of confirmations before a deposit can be unlocked. Until you make all the required confirmations, your crypto assets won't appear in your account, and the number of confirmations varies by cryptocurrency. For example, ether has 64 required confirmations, while bitcoin only has two.
Crypto.com has an F rating from the Better Business Bureau. BBB ratings typically range from A+ to F and reflect the bureau's opinions of a company's customer complaint history, business practices, and advertising and licensing information. The BBB says the reason for this low rating is that the company failed to respond to multiple filed complaints.
On January 17, 2022, Crypto.com wrote a security report explaining that 483 users had experienced unauthorized withdrawals of $35 million worth of bitcoin and Ether. In response, Crypto.com suspended withdrawals for all tokens and began investigating the hack. No customers experienced a loss of funds; any users that had been affected were fully reimbursed. Crypto.com also implemented the Account Protection Program (APP) for additional security of user funds.
Crypto.com Alternatives
Let's compare Crypto.com to similar exchanges.
Crypto.com vs. Abra
Crypto.com and Abra are both popular cryptocurrency exchanges that offer comprehensive digital asset management, low fees, and large crypto selections. However, the exchanges differ in terms of crypto products, account features, available cryptocurrencies, and target clients.
Abra is no longer available for regular retail investors in the US. Abra is a registered investment advisor (RIA) with the SEC and offers institutional investment services like treasury management and OTC trading to private clients and institutions.
Abra offers hands-on, personalized crypto trading, lending, and asset management services for private clients, family offices, hedge funds, and institutions. Abra is a great crypto exchange if you're looking for a dedicated service team, tailored crypto OTC trading solutions, borrowing services, and a range of institutional services. But you'll have to meet the high $50,000 minimum.
Crypto.com is best for individual crypto traders, including beginners and intermediate investors, who like trading and managing assets on their mobile devices.
Crypto.com vs. Coinbase
Like Crypto.com, Coinbase is a popular cryptocurrency exchange for active investors to trade and store various cryptocurrencies. Both platforms offer hundreds of coins and tokens, wallet storage, an NFT trading platform, card features, and advanced features.
Crypto.com offers a larger selection of cryptocurrencies, plus US stocks and ETFs (which Coinbase does not offer).
However, Coinbase has a much higher A- rating from the BBB than Crypto.com's F rating. Coinbase offers stronger customer support, including phone, email, and live chat.
Why You Should Trust Us: How We Reviewed Crypto.com
We examined Crypto.com using Business Insider's rating methodology for investing platforms to compare and examine account types, pricing, investment options, and overall customer experience when reviewing investing platforms. Platforms are given a rating between 1 and 5.
Investment platforms usually offer multiple assets, trading tools, fees, and other resources. Some platforms are better for more advanced or active investors, while others may better suit beginners and passive investors. Crypto.com was evaluated, focusing on how it performs in each category.
Business Insider's Overall Crypto.com Rating
| Feature | Our rating (out of 5) |
| Fees | 4.00 |
| Investment selection | 4.50 |
| Security | 3.50 |
| Ethics | 3.00 |
| Access | 4.00 |
| Customer service | 2.00 |
| Overall score | 3.58 |
Crypto.com FAQs
What is Crypto.com, and what services does it offer?
Crypto.com is a global digital currency brokerage for individual investors and institutions to trade, manage, and track 400+ cryptocurrencies. Crypto.com offers various trading and asset management solutions.
Is Crypto.com regulated?
Crypto.com is a regulated crypto exchange with licenses in most US states (excluding New York). The US Commodity Futures Trading Commission regulates the platform's derivatives trading feature. Outside of the US, Crypto.com is regulated by the UK's Financial Conduct Authority (FCA).
What is the minimum deposit on Crypto.com?
There's no minimum deposit on Crypto.com to open a mobile trading account. You'll need at least $1 to start trading cryptocurrencies like bitcoin.
Is Crypto.com legit?
Crypto.com is a legitimate cryptocurrency exchange that is safe to use. The platform complies with US regulations, employs various security features, SIPC insurance, and crypto derivatives are regulated by the CFTC. Crypto.com has been susceptible to one large-scale hack, in 2022.
