crypto.com vs KuCoin Comparison
In our overall rating crypto.com leads with 4.2 out of 5 points, ahead of KuCoin with 3.9. Our table lists the trading fee as “0.8 %” for crypto.com and “0.1% maker/taker (spot)” for KuCoin. KuCoin has the better score in all five sub-ratings. crypto.com has been on the market longer, founded in 2016, while KuCoin followed in 2017.
| 0.8 % | Fees | 0.1% maker/taker (spot) |
| € 8.00 | Minimum cost per €1,000 | — |
| 400+ | Cryptos | — |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | — |
| Fully MiCA Compliant | Regulation | MiCA licence from the FMA (Austria) since 27 Nov 2025, FMA does not yet permit commencement of operations |
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 A price markup in the spread is not included, because most providers do not publish it.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% maker/taker (spot) |
| € 44.81 | Wallet transfer | — |
| No | Cost transparency | — |
| € 3 | Minimum Amount | €10 per order (BTC/EUR) |
| 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).
Note, as of 21 October 2026: KuCoin EU states on its website that trading and deposits have been suspended since 4 February 2026. The table shows the rates KuCoin EU lists in its fee schedule.
| Transaction | Cost at KuCoin EU |
|---|---|
| Spot trading, base tier VIP 0 | 0.1% maker, 0.1% taker |
| Spot trading, VIP 3 | 0.075% maker, 0.09% taker |
| Spot trading, VIP 6 | 0.025% maker, 0.05% taker |
| Spot trading, VIP 12 | 0% maker, 0.025% taker |
| EUR deposits and withdrawals | via SEPA and SEPA Instant, fee shown before the withdrawal |
| Crypto withdrawals | network fee per coin |
How to save: Rates fall as your VIP tier rises. Users who already hold VIP status at another exchange can apply at KuCoin EU for a tier two levels higher for 60 days. We compare MiCA-licensed exchanges that are open for trading in our crypto exchange comparison.
Fees as of 21 October 2026 according to KuCoin EU VIP tiers and fees.
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
- 700+ coins – a vast altcoin selection
- Spot fees from 0.1% maker and taker
- MiCA CASP licence (FMA Austria, November 2025)
- Wide feature set: spot, futures, bots, earn products
- Trading and deposits at KuCoin EU suspended since 4 February 2026 (as of 21 October 2026)
- Historically no local European support structures
- 2023 US settlement still weighs on its record
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)
- Altcoin heavyweight with 700+ coins
- MiCA licence in hand, trading at KuCoin EU suspended since February 2026
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 at KuCoin EU: 0.1% maker and 0.1% taker in the base tier, falling with the VIP tier to 0% maker and 0.025% taker. According to KuCoin EU, trading and deposits have been suspended since 4 February 2026 (as of 21 October 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 | KuCoin EU Exchange GmbH |
| 2016 | Founded | 2017 |
| Fully MiCA Compliant | Regulation | MiCA licence from the FMA (Austria) since 27 Nov 2025, FMA does not yet permit commencement of operations |
| € 3 | Minimum Amount | €10 per order (BTC/EUR) |
| Photo ID | KYC | — |
Verdict
In our overall rating crypto.com leads with 4.2 against 3.9 for KuCoin.
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.
KuCoin has been a fixture for altcoin traders for years. Its EU position is difficult as of October 2026: the Austrian MiCA licence has been granted, but according to the company, trading and deposits at KuCoin EU have been suspended since 4 February 2026. If regulatory certainty inside the EU is your priority, fully operational MiCA venues such as Bitpanda, Bybit EU or Kraken are the safer bet for now.