Backpack vs crypto.com Comparison
| 0.08 % Maker / 0.10 % Taker, Swap: 0.85 % | Fees | 0.8 % |
| not comparable | Minimum cost per €1,000 | € 8.00 |
| ~50+ | Cryptos | 400+ |
| Card, bank via Banxa; SEPA limited | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| VARA (Dubai); EU rollout via FTX EU only now | Regulation | Fully MiCA Compliant |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| not comparable | Minimum cost per €1,000 | € 8.00 |
| 0.08 % Maker / 0.10 % Taker, Swap: 0.85 % | Fees | 0.8 % |
| Not disclosed | Wallet transfer | € 44.81 |
| No; tiers + hidden swap costs | Cost transparency | No |
| Unclear | Minimum Amount | € 3 |
| Card, bank via Banxa; SEPA limited | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
Not enough reviews available.
In the Crypto.com App, users in the European Economic Area pay a fixed fee per purchase; the trade preview shows the exact fee before you confirm. EUR deposits by bank transfer are free.
| Transaction | Cost at Crypto.com |
|---|---|
| Purchase with EUR balance | 0.80% |
| Crypto-to-crypto exchange | 0.80% |
| Purchase by debit or credit card | up to 4% |
| EUR deposit by bank transfer | free |
| EUR withdrawal via SEPA | EUR 1 per withdrawal, minimum EUR 80 |
| Sending crypto to other Crypto.com users | free |
| Crypto withdrawal to an external address | network fee per coin and network |
| Level Up subscription from USD 6.99 per month | trading without a trading fee, scope depends on the tier |
How to save: Deposit by bank transfer and buy with your EUR balance instead of a card: on EUR 1,000 that is EUR 8 instead of up to EUR 40. Bundle EUR withdrawals, since each costs EUR 1. Frequent traders should look at the Level Up subscription. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 22 October 2026 according to the Crypto.com Help Center, Fees & Limits (EEA).
Pros & Cons
- Low maker fees starting at 0.08% and taker fees starting at 0.10%
- Staking is available
- Wallet and exchange in one ecosystem
- VARA license in Dubai
- Cost transparency is seen as room for improvement – hidden costs occasionally criticized
- Wallet transfer fees are not disclosed
- No savings plan available
- Swap fees of 0.85% occasionally criticized
- Over 400 cryptocurrencies available
- Own VISA debit card with cashback program
- Savings plan and staking are offered
- Payment methods: SEPA, SEPA instant transfer, and credit card
- Minimum investment possible from €3
- Card purchases cost up to 4%
- EUR withdrawals via SEPA cost EUR 1, minimum EUR 80
- Cost transparency is rated as limited
- 0.80% fee per purchase in the app
User Experiences
AI AnalysisNot enough reviews available.
Based on the analyzed user data, crypto.com is especially valued for its intuitive and easy-to-navigate app. At the same time, user reviews more often report room for improvement regarding fees, support, and individual account or login issues, which means the overall picture varies noticeably depending on how it is used.
This analysis is based on 1674 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings shown reflect users' experiences and do not represent our own assessment by the site operator. All information without guarantee. Status: March 2026. This comparison does not constitute investment advice.
Features
| not available | Savings plan | available |
| available | Staking | available |
| not available | Wallet transfer | not available |
| not available | Cost transparency | not available |
| available | 2FA security | not available |
| not available | SEPA transfer | not specified |
| not available | Credit card | available |
| not available | Minimum amount | not specified |
| available | Mobile app (iOS/Android) | available |
| available | Web platform | not available |
| not specified | Anti-phishing code | available |
| not specified | SEPA instant transfer | available |
- Maker fees starting at 0.08% are considered low
- VARA license in Dubai
- Wallet and exchange on one platform
- VISA debit card with cashback program
- 400+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- MiCA-licensed by the MFSA Malta, regulated EU-wide (as of October 2026)
The five areas head to head
AI AnalysisFees & Costs
Not enough reviews available.
According to reviews, the fees at crypto.com are viewed critically more often than average. Users report high costs and, in some cases, a high spread. Overall, this area is described critically in the user data.
Usability & User Experience
Not enough reviews available.
Users particularly appreciate crypto.com's intuitive app and simple operation. According to reviews, the interface is often described as clear and easy to understand, which stands out positively, especially for newcomers. However, frequent updates and the associated changes are occasionally described as room for improvement.
Features & Offering
Not enough reviews available.
Overall, the user data contains only limited recurring statements about features and the offering. Individual users praise options such as Visa cashback and Learn-&-Earn features. In addition, users would like to see more coins, extra portfolio filters, a German language setting, an iPad version, and a tax tool.
Stability & Security
Not enough reviews available.
Regarding stability and reliability, users primarily report login issues, being unable to log in, and in some cases blocked withdrawals. There are also individual comments about constant or mandatory updates in the user data. Overall, this results in a rather critical picture of reliability.
Customer Support
Not enough reviews available.
When it comes to support, the user reviews paint a predominantly critical picture. Users report comparatively often about poor support or that no support was reachable. Customer service is therefore clearly viewed critically in the analyzed user data.
Details
| Trek Labs (FTX ties) | Company | Foris DAX MT Limited |
| Dubai (VARA) | Headquarters | — |
| 2023 | Founded | 2016 |
| VARA (Dubai); EU rollout via FTX EU only now | Regulation | Fully MiCA Compliant |
| Unclear | Minimum Amount | € 3 |
| Yes | KYC | Photo ID |
Verdict
In our overall rating crypto.com leads with 4.2 against 2.1 for Backpack.
For most investors crypto.com is therefore the better choice.
Backpack is operated by Trek Labs, a team that also includes former FTX employees. The exchange holds a VARA license in Dubai, but does not have EU regulation – according to comparison data, EU access is provided via FTX EU. The low maker fees starting at 0.08% and the integration of wallet and exchange in one ecosystem are appreciated by users.
Cost transparency is seen as room for improvement – in particular, the undisclosed wallet transfer fees and swap fees of 0.85% are occasionally criticized. The selection of around 50 cryptocurrencies is limited compared with larger exchanges, and the lack of a savings plan limits the options for long-term investors.
The connection to former FTX employees is viewed differently in the market. Backpack is aimed primarily at technically savvy users who are looking for low trading fees and integrated wallet features and are willing to make compromises on cost transparency, coin selection, and regulatory coverage in the EU.
Crypto.com is especially valued for its own VISA debit card with cashback program, which is considered a unique selling point in the crypto market. With more than 400 tradable cryptocurrencies, savings plans, and staking, the platform, active since 2016, offers a broad range of services. The minimum investment starting at €3 is seen as particularly beginner-friendly.
In Germany, Crypto.com operates under the MiCA licence issued by the Malta Financial Services Authority (MFSA), which applies across the EU, so no separate BaFin licence is required. According to Crypto.com, a purchase in the app costs 0.80%, up to 4% by card, and a EUR withdrawal via SEPA costs EUR 1. Users occasionally criticise the limited cost transparency.
Crypto.com is mainly considered suitable for users who want to actively use the VISA debit card with cashback.