Crypto.com
MiCA-regulated everyday crypto platform with card, Earn and 400+ cryptocurrencies
Germany referral: up to $75 by 30-day trading volume, plus a $25 CRO card/stake milestone; not combinable with Welcome
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At a Glance
Fees
Features
Security
Regulation
MiCA-regulated via Foris DAX MT Ltd in Malta (MFSA), passported across the EEA since February 2025
KYC
Yes
Securitysfeatures
Passkeys, HSM/FIDO2, MFA, Withdrawal Whitelist, Proof of Reserves
Protection & Reserves
1:1 reserve accounts, independently verified Proof of Reserves and safeguarded fiat accounts at EU institutions; no separately quantified EEA insurance fund
Deposit
Pros
- Cashback crypto card for everyday use
- Earn program for passive income
- MiCA-regulated via Foris DAX MT Limited in Malta
- Very user-friendly app
Cons
- Higher spot base fees than many active-trader exchanges
- Current EEA derivatives fees and leverage are not publicly verified
- KYC required
- Less suited for active traders
Crypto.com Review 2026
Fees Breakdown
Crypto.com charges 0.25% maker and 0.5% taker fees for spot trading. In practice, a $1,000 trade costs you $5.00 as a taker. At $10,000 monthly volume, that adds up to $600 per year. Volume and CRO staking discounts; spot base fees are 0.25% maker / 0.50% taker
Order-book estimate using the standard taker fee only. Spread, slippage, deposit fees, and volume-based discounts are excluded.
Security & Regulation
Crypto.com is listed as MiCA-regulated for the named entity. The exchange is licensed in: MiCA-regulated via Foris DAX MT Ltd in Malta (MFSA), passported across the EEA since February 2025. Protection and reserve disclosure: 1:1 reserve accounts, independently verified Proof of Reserves and safeguarded fiat accounts at EU institutions; no separately quantified EEA insurance fund. This is not a blanket government deposit guarantee.
Security features include: Passkeys, HSM/FIDO2, MFA, Withdrawal Whitelist, Proof of Reserves. We recommend enabling at least 2FA via an authenticator app and setting up withdrawal whitelisting where available.
Features & Tools
The published product selection is listed as “400+ cryptocurrencies with EUR”. Staking is available, allowing you to earn passive income on your holdings.
Notable features: Earn, Staking, Visa Card, Baskets, Mobile App.
Deposits & Verification
Crypto.com documents these deposit methods: SEPA, Credit Card, Apple Pay, Google Pay, Crypto. Check current pricing, processing time and account limits directly with the provider. KYC requirement: Yes. Verification time and the exact process depend on the provider and individual case.
Who Is Crypto.com Best For?
Crypto.com is primarily aimed at experienced users. The mobile app is available for iOS and Android. Customer support is available via 24/7 Live Chat.
Verdict
Crypto.com is an established crypto exchange headquartered in Singapore. Crypto.com is a MiCA-regulated everyday platform with 400+ cryptocurrencies with EUR, a Visa Card, Earn, staking and a user-friendly app. Current EEA derivatives fees and leverage were not publicly verifiable and are therefore not shown as active comparison values.
The platform offers 400+ cryptocurrencies with EUR trading pairs. Key strength: Cashback crypto card for everyday use. Staking options round out the offering.
On the other hand: Higher spot base fees than many active-trader exchanges. If you can live with that, Crypto.com is a solid platform with an overall rating of 4/5.
