Crypto.com Review: Fees, Safety and Availability by Country

A Crypto.com review for a first-time cryptocurrency buyer starts with two questions: which Crypto.com company would serve your country, and what do the App and the Exchange charge? Crypto.com runs a custodial App and a separate Exchange, so find the company and registration for your country and confirm them before you deposit (see availability by country).

What Crypto.com offers and where

As of October 2026, Crypto.com offers a custodial App and a separate Exchange, and a different Crypto.com company serves each of the US, UK, EU and EEA, Canada and Australia. Exchange availability also depends on the country (see Crypto.com App vs Exchange).

Crypto.com App vs Exchange

As of October 2026, Crypto.com's help center says (opens in a new tab) the Crypto.com App is a digital currency brokerage that acts as a custodian: it stores your crypto for you, and you do not control the private keys.

The Exchange is a separate product. The Exchange fee page says (opens in a new tab) its website and Exchange App are distinct from the main App, and that availability is subject to jurisdictional limitations.

Crypto.com also publishes a list of locations restricted from Exchange spot trading (opens in a new tab); the May 2025 version includes Malta. We found no list of the countries where the Exchange is open, so ask support in the app whether it is open in yours before you plan on it.

Moving money between the two is possible. In the App, open Transfer, then Withdraw, then Crypto.com Exchange: Crypto.com says (opens in a new tab) this transfer is instant and without fees. Going back, use the Exchange's Withdraw to App function, because sending to the App's on-chain address (opens in a new tab) incurs a network fee.

Other products sit beside these two. In the EEA, a separate company, Foris MT Limited (opens in a new tab), provides the Visa card and the Cash Account. In Canada, the May 2025 decision (opens in a new tab) says its Canadian platform offers staking to clients in each province and territory.

Crypto.com against the eight checks

As of October 2026, here is what Crypto.com publishes against our eight checks. "Documented" means Crypto.com or a regulator publishes the answer. "Partly" means some of the answer is published and some is missing or from one region only. Neither is a score.

Crypto.com fees

As of October 2026, the App and the Exchange have separate fee schedules. Find the one for the product you use.

App fees

Crypto.com says (opens in a new tab) it may charge an admin fee when you buy, sell or transact, set at the time of purchase from factors such as market conditions, promotions, volatility and liquidity. It says the fee is listed on the trade preview screen before you submit. Read that screen, and if no fee or total is shown, ask support before you confirm.

Look for withdrawal fees under Settings, then Fees & Limits, in the app. We found no US or UK App fee page, so the figures here are an EEA example and may not match your country. Crypto.com's EEA fee page (opens in a new tab) lists a 0.8% trading fee on buys, sells and exchanges, and up to 4% on debit or credit card purchases. For other countries, see card and bank deposit rates by country.

Exchange fees

Crypto.com's Exchange fee page (opens in a new tab) lists Level 1 (30-day spot volume under USD 10,000) at 0.250% maker and 0.500% taker without a CRO balance. Maker and taker are the two rates, depending on how your order is matched; the order screen or the fee page should show which one applies to your order, and if it does not, ask support. The page we read carried a US footer.

Rates fall as your 30-day volume rises and are recalculated daily at 04:00 UTC. A large CRO balance (CRO is Crypto.com's own token; the table's discount column is for 50,000 CRO or more) lowers them, and benefits depend on the amount. A CRO balance is needed only for those fee benefits, not to trade.

Withdrawal and network fees

Costs of sending crypto out later:

• Withdrawal fee, App (EEA example). Bitcoin on the Bitcoin network costs 0.0002 BTC under 0.002 BTC and 0.0004 BTC from 0.002 BTC, with a 0.0008 BTC minimum. Ether on Ethereum (ERC20) costs 0.005 ETH, with a 0.01 ETH minimum. Fees differ by network, so read how to choose the right withdrawal network.
• Estimate. Crypto.com's EEA page says the quoted fee is an estimate of network fees and the final fee, which may differ, is on the withdrawal confirmation page. Compare that page with Settings, then Fees & Limits. If it shows more, stop and ask support.
• Network fee. Crypto.com says (opens in a new tab) an App withdrawal to an external address is a blockchain transaction and carries a fee, unlike sending to another Crypto.com App user.
• Exchange withdrawals. The Exchange has its own withdrawal schedule, and Crypto.com says fees are settled in the coin you receive (opens in a new tab), not in CRO. Open the schedule and read the row for your coin before you withdraw.

Availability by country

As of October 2026, these are the companies and registers Crypto.com names for the core markets. A registration is not a safety guarantee.

United States

Crypto.com's US legal page (opens in a new tab) gives its licensing disclosure for Foris DAX, Inc. (NMLS ID 1966158; NMLS is the US register of state-licensed financial companies), followed by state licenses. Look the number up on NMLS Consumer Access (opens in a new tab). Some state money transmitter licenses do not cover virtual currency: the page says Tennessee's license and bond do not cover the transmission of virtual currency.

Crypto.com's help center (opens in a new tab) lists the App in 49 states, Washington, D.C. and US territories, and calls New York a restricted state for the App.

NYDFS requires a BitLicense or a New York banking charter for virtual currency business. Its list of regulated entities (opens in a new tab) shows no Crypto.com company.

United Kingdom

Crypto.com says (opens in a new tab) Foris DAX UK Limited (company number 12843841) is registered with the FCA under the Money Laundering Regulations 2017. That is an anti-money-laundering registration, not FCA authorization. Search "Foris DAX UK" on the FCA register (opens in a new tab).

The same UK disclosure says cryptoassets are not regulated in the UK by the FCA, and holders are not eligible for FSCS protection or Financial Ombudsman Service recourse. If you live in the UK, read the UK 24-hour cooling-off period before your first buy.

EU and EEA

Crypto.com says (opens in a new tab) Foris DAX MT Limited, in Malta, is authorized by the Malta Financial Services Authority as a crypto-asset service provider under MiCA (the EU's crypto-asset rules). ESMA's interim MiCA register (opens in a new tab) lists it as authorized on 27 January 2025 and notified to all other EEA countries.

Canada

Foris DAX CAN ULC is on the CSA list of crypto platforms authorized to do business with Canadians (opens in a new tab), with a decision dated 8 May 2025. New Brunswick's regulator (opens in a new tab) lists it as a registered restricted dealer.

That decision (opens in a new tab) expires two years after its date. It also caps the net purchase cost of crypto assets other than the decision's defined "Specified Crypto Assets" at CAD 30,000 over 12 months for clients outside Alberta, British Columbia, Manitoba, Québec and Saskatchewan, with exceptions such as permitted clients. The decision may have been amended since, so check the limit on your account.

Australia

Crypto.com's Financial Services Guide (opens in a new tab), dated 1 October 2026, is issued by FORIS DAX AU PTY LTD (ACN 640 692 735; an ACN is an Australian company number). The guide says the company is a corporate authorized representative under licenses held by related companies, such as Foris Capital AU Pty Ltd (AFSL 533278; an AFSL is an Australian financial services license). Foris Capital's authority covers only digital assets that are financial products.

The same guide says Crypto.com is a member of AFCA (the Australian Financial Complaints Authority), but AFCA cannot handle complaints about the general operation of its platform for unregulated crypto-assets. Crypto.com says (opens in a new tab) it holds a digital currency exchange registration, so search AUSTRAC's register of digital currency exchange providers on austrac.gov.au.

Elsewhere

Check your own country's financial regulator before you deposit, and see how to check that an exchange serves your country.

Is Crypto.com safe? Security features and proof of reserves

As of October 2026, a documentation review cannot answer that question with a yes or no. It can show what Crypto.com publishes. Setup steps are in how to secure your exchange account.

• Crypto.com says (opens in a new tab) App withdrawals are verified with a passkey if you set one up, and otherwise with 2FA and an SMS code.
• The same page says sending to a new address requires whitelisting it first, and a 24-hour lock on new addresses applies if you enable that feature.
• Crypto.com recommends an anti-phishing code (opens in a new tab) to help you identify real emails from the App. A code set on a linked Exchange account applies to both.
• Crypto.com's withdrawals page also says all user deposits are held in cold storage. We cannot check that.

Crypto.com's proof-of-reserves page (opens in a new tab) shows a check by Mazars Group under the ISRS 4400 standard, as of 7 December 2022. It compared assets in on-chain addresses Crypto.com controls with customer balances, and it is a procedures check, not a full audit. The page says not all tokens or chains were covered, and we found no newer check.

Decrypt reported in December 2022 (opens in a new tab), citing Binance, that Mazars paused proof-of-reserves work for crypto clients, including Crypto.com. A snapshot from 2022 does not show what Crypto.com holds today. For what follows a platform failure, read what happens if an exchange fails.

Regulatory and security history

As of October 2026, this is every action and incident we could confirm for Crypto.com companies, oldest first.

• On 17 January 2022, unauthorized withdrawals hit 483 users: 4,836.26 ETH, 443.93 BTC and about USD 66,200 in other crypto. Crypto.com's January 2022 report (opens in a new tab) (the original page is no longer online, so this is an archive copy) says transactions were approved without the user's 2FA input and withdrawals were suspended for about 14 hours. It says that in the majority of cases it prevented the withdrawal and that in all other cases the affected customers were fully reimbursed.
• Decrypt valued the losses (opens in a new tab) at about USD 34 million at the time, and reported that Crypto.com's CEO had first said no customer funds were lost. Crypto.com said it added a mandatory 24-hour delay on new whitelisted addresses on 18 January 2022. Today the lock applies only if you enable it.
• In October 2023, the Dutch central bank fined Foris DAX MT Limited EUR 2.85 million for offering crypto services in the Netherlands without the required registration, as CoinDesk reported (opens in a new tab). Crypto.com said it disagreed and was appealing.
• DNB's current page (opens in a new tab), which no longer names the firm, says the Court of Rotterdam reduced the fine to EUR 2,277,500 on 19 December 2025. DNB lodged a further appeal on 29 January 2026, and no ruling had been issued as of 19 October 2026.
• Crypto.com says (opens in a new tab) the SEC sent it a Wells notice (a letter saying SEC staff may recommend action) in 2024, that it sued the SEC in October 2024 and dropped the suit in December 2024, and that the SEC told it by 27 March 2025 it had closed its investigation with no enforcement action.
• On 14 October 2025, a Nevada federal court denied a preliminary injunction to North American Derivatives Exchange, Inc., Crypto.com's US derivatives exchange, in a dispute over sports event contracts, according to a Robinhood SEC filing (opens in a new tab). The filing says Crypto.com appealed. This concerns that product, not buying crypto in the App.

On 19 October 2026 we also searched pages for the SEC, CFTC, OFAC, FinCEN, NYDFS, the FCA, EU authorities, Canadian securities regulators, ASIC and AUSTRAC. We found no other actions we could confirm in a regulator's or court's own record, which does not prove there are none.

Sending and receiving crypto on Crypto.com

As of October 2026, Crypto.com's help center says (opens in a new tab) the selected network must match the platform you send from or to: "otherwise, your deposited funds will not be added to your available balance." Some coins need a tag or memo: XRP and XLM deposits (opens in a new tab), among others, need both the tag or memo and the address.

Support you can reach

As of October 2026, Crypto.com's official support routes are the in-app chat and chat.crypto.com, on its scam-warning page (opens in a new tab). It also lists what it will never do: send you a link to install software on your device, or remotely access your account or device.

If you get an email about an address whitelisting or withdrawal you did not request, contact support at once, using the in-app chat if you can. Crypto.com says (opens in a new tab) staff will attempt to stop the withdrawal, which is not guaranteed.

Downsides and alternatives by type

As of October 2026, weigh these before you deposit:

• App fees can change at the time of purchase, and the only App schedule we could read was the EEA one.
• The App and the Exchange are separate products with separate fees, and the Exchange is not open in every country.
• The UK registration is for anti-money-laundering purposes, and Crypto.com's UK disclosure says (opens in a new tab) holders of cryptoassets are not eligible for FSCS protection or Financial Ombudsman Service recourse. In Australia, AFCA does not cover the platform for unregulated crypto-assets.
• Crypto.com calls New York a restricted state (opens in a new tab) for the App.
• The record includes a 2022 incident, a Dutch fine under further appeal and a US sports-contract dispute.
• The latest proof-of-reserves check on its page is from December 2022.
• A documentation review cannot test support speed or what your screens show.

Alternatives differ by type, and you can score each against the same eight checks:

• A broker app is an investing app that also sells crypto. Check which company holds your crypto and whether you can withdraw it.
• Another crypto exchange works like this one. Compare its company and register entry for your country, fees and holds; our Kraken review uses the same checks.
• A self-custody wallet means you hold the private keys yourself, so no company stores your crypto, and you alone must protect the keys.

To compare types, read how to choose a crypto exchange. Before you sign up with any of them, follow how to buy crypto step by step.