crypto.com vs Gate.io Comparison
In our overall rating crypto.com leads with 4.2 out of 5 points, ahead of Gate.io with 3.7. Our table lists the trading fee as “0.8 %” for crypto.com and “0.1% spot (maker and taker)” for Gate.io. Gate.io has the better score in all five sub-ratings. Gate.io has been on the market longer, founded in 2013, while crypto.com followed in 2016.
| 0.8 % | Fees | 0.1% spot (maker and taker) |
| € 8.00 | Minimum cost per €1,000 | — |
| 400+ | Cryptos | — |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | — |
| Fully MiCA Compliant | Regulation | MiCA licence via MFSA (Malta) |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 8.00 | Minimum cost per €1,000 | — |
| 0.8 % | Fees | 0.1% spot (maker and taker) |
| € 44.81 | Wallet transfer | — |
| No | Cost transparency | — |
| € 3 | Minimum Amount | ~$10 USD |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | — |
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).
Not enough reviews available.
Pros & Cons
- 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
- 1,700+ coins – one of the largest selections worldwide
- MiCA CASP and payment licences (MFSA Malta)
- Low fees from around 0.1%, with GT discounts
- Early access to new listings
- The interface is overwhelming for beginners
- Thin liquidity on very small coins
- Support is primarily in English
Score Comparison
User Experiences
AI AnalysisBased 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
| available | Savings plan | not specified |
| available | Staking | not specified |
| not available | Wallet transfer | not specified |
| not available | Cost transparency | not specified |
| not available | 2FA security | not specified |
| available | Anti-phishing code | not specified |
| available | SEPA instant transfer | not specified |
| available | Credit card | not specified |
| available | Mobile app (iOS/Android) | not specified |
| not available | Web platform | not specified |
- 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 altcoin-selection champion, now with a MiCA licence
The five areas head to head
AI AnalysisFees & Costs
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.
Spot: from around 0.1% maker/taker, with discounts when paying in GT. Futures fees are lower (as of July 2026).
Usability & User Experience
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.
Not enough reviews available.
Features & Offering
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.
Not enough reviews available.
Stability & Security
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.
Not enough reviews available.
Customer Support
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.
Not enough reviews available.
Details
| Foris DAX MT Limited | Company | Gate Technology Ltd |
| 2016 | Founded | 2013 |
| Fully MiCA Compliant | Regulation | MiCA licence via MFSA (Malta) |
| € 3 | Minimum Amount | ~$10 USD |
| Photo ID | KYC | Photo ID and selfie (required before deposits and withdrawals) |
Verdict
In our overall rating crypto.com leads with 4.2 against 3.7 for Gate.io.
For most investors crypto.com is therefore the better choice.
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.
If you want early access to new and obscure coins, few venues come close to Gate.io – and it now has a genuine MiCA basis out of Malta. The platform is powerful but can feel overloaded for newcomers; for experienced altcoin traders it is one of the more interesting regulated options as of July 2026.