Binance vs crypto.com Comparison
Binance and crypto.com are practically level in our overall rating, 4.3 to 4.2 out of 5 points. On disclosed fees Binance is cheaper: € 1.00 instead of € 8.00 per €1,000 purchase. Binance has the better score in all five sub-ratings. Binance lists 482 cryptocurrencies, crypto.com more than 400.
| 0.1% spot, up to 2% instant buy | Fees | 0.8 % |
| € 1.00 | Minimum cost per €1,000 | € 8.00 |
| 482 | Cryptos | 400+ |
| SEPA Transfer, Credit Card | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| License in Germany refused by BaFin | 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 A price markup in the spread is not included, because most providers do not publish it.
| € 1.00 | Minimum cost per €1,000 | € 8.00 |
| 0.1% spot, up to 2% instant buy | Fees | 0.8 % |
| € 7.47 | Wallet transfer | € 44.81 |
| Limited | Cost transparency | No |
| ~$10 USD | Minimum Amount | € 3 |
| SEPA Transfer, Credit Card | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
On disclosed fees you pay €7.00 less at Binance per €1,000 purchase.
Binance separates order book trading from direct purchases: regular users pay 0.1% on spot trades, while buying by card or wallet payment costs 2%.
| Transaction | Cost at Binance |
|---|---|
| Spot trading, regular user | 0.1% maker, 0.1% taker |
| Spot trading paying fees in BNB | 0.075% maker and taker (25% discount) |
| Direct buy and sell by card, Apple Pay or Google Pay | 2% |
| Direct buy and sell via PayPal | 1.5% |
| Direct buy via Revolut | 1.1% |
| Buy and sell via SEPA | EUR 1 |
| Crypto withdrawals | network fee per coin |
How to save: Going through the order book pays off: EUR 1,000 costs EUR 1 in spot trading fees, but EUR 20 by card. Paying fees in BNB saves another 25%. See how Binance compares with MiCA-licensed providers in our crypto exchange comparison.
Fees as of 21 October 2026 according to the Binance fee overview.
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
- 482 cryptocurrencies tradable, the widest selection among established exchanges (measured on 3 September 2026 via Binance's public API)
- Savings plan and staking are offered
- Largest crypto exchange worldwide with low spreads
- Wallet transfer possible
- No granted MiCA authorisation. Binance appears in no EU register and, by its own announcement, withdrew its application with the Greek regulator on 24 June 2026. A new host state has been announced but not confirmed.
- Only 29 of the 482 coins trade directly against the euro. Everything else goes through another currency, usually a stablecoin, which adds cost and exchange rate risk.
- Direct purchases by card cost 2%
- Cost transparency is rated as limited
- 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
Score Comparison
User Experiences
AI AnalysisAccording to reviews, Binance is often praised overall for its ease of use, the large selection of coins, and fees that are generally perceived as low. At the same time, users occasionally report criticism regarding support, verification, and language options, especially with regard to a German app version.
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 1002 user reviews evaluated by AI from the Apple App Store 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 reviews shown reflect user experiences and do not represent the site operator’s own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| available | Savings plan | available |
| available | Staking | available |
| not available | Wallet transfer | not available |
| not available | Cost transparency | not available |
| not available | 2FA security | not available |
| available | Whitelist | not specified |
| available | SEPA transfer | not specified |
| available | Credit card | available |
| not available | Minimum amount | not specified |
| available | Mobile app (iOS/Android) | available |
| not specified | Anti-phishing code | available |
| not specified | SEPA instant transfer | available |
| not specified | Web platform | not available |
- Largest crypto exchange worldwide by trading volume
- Low spreads in order book trading
- Savings plan and staking available
- On the market since 2017
- 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
Users often cite Binance’s fees as a positive point and frequently describe them as low compared with other providers. At the same time, some reviews perceive the fees as too high. Overall, user data suggests a predominantly positive view of the fees.
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
According to reviews, users particularly appreciate the intuitive app and ease of use at Binance, which appeals to both beginners and more experienced users. However, the interface is occasionally described as confusing or too complicated. Many users also want a German language option to make everyday use even more convenient.
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
According to reviews, users mainly praise the large selection of coins. Users also report that Binance is suitable for beginners and appears easy to use. Occasionally, users would like additional language options as well as an iPad app to better adapt the offering to their usage.
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
According to reviews, Binance is perceived by many users as reliable. Overall, the opinion on stability and reliability is predominantly positive.
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
User data paints a rather critical picture of support: users report a lack of support. Verification is also described as time-consuming in some reviews. In addition, users would like better assistance with account-related issues and withdrawals.
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
| Binance Holdings Ltd. | Company | Foris DAX MT Limited |
| 2017 | Founded | 2016 |
| License in Germany refused by BaFin | Regulation | Fully MiCA Compliant |
| ~$10 USD | Minimum Amount | € 3 |
| Photo ID | KYC | Photo ID |
Verdict
Both providers are practically level in our overall rating (4.3 to 4.2).
On disclosed fees you pay €7.00 less at Binance per €1,000 purchase.
Binance is considered the world’s largest crypto exchange by trading volume and is valued for its low spreads in order book trading. With over 370 tradable cryptocurrencies, savings plans and staking, the platform offers a broad range of services. On the market since 2017, Binance has established itself as a major player in crypto trading.
For the German market, however, it should be noted that Binance does not have a BaFin license. The direct-buy fee of 2% by card, i.e. €20 per €1,000, is occasionally criticized, as is the limited cost transparency for direct purchases. The minimum amount of 15 € is also higher than at some competitors.
Binance is seen especially as suitable for experienced traders who want to benefit from the low spreads in order book trading and for whom a missing BaFin license matters less than the platform’s global market presence and liquidity.
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.