crypto.com Reviews
Global crypto platform with 400+ coins, Visa prepaid card and staking, MiCA-licensed in the EU by the MFSA Malta.
crypto.com Rating
Our Opinion
Crypto.com is especially valued for its own Visa 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 that the Malta Financial Services Authority (MFSA) granted to Foris DAX MT Limited on 27 January 2025 and 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.
The card terms changed in 2026: cashback is only paid on the paid tiers, with Level Up Plus at €3.99 a month earning 1.5% on up to US$750 of card spending a month and the top tiers up to 4.5%; the free Midnight card earns 0%. Since 1 October 2026, Ruby, Jade and Indigo also pay a 2% foreign transaction fee outside the EU and UK above a monthly allowance of €400 or €800, and a card without spending costs €6 a month after twelve months.
Crypto.com is mainly considered suitable for users who want to actively use the Visa card with cashback and are prepared to pay for a Level Up tier.
Pros & Cons
- Over 400 cryptocurrencies available
- Own Visa prepaid card with crypto cashback: from the Plus tier (formerly Ruby) 1.5% on up to US$750 of card spending a month, up to 4.5% in the top tiers
- Savings plan and staking are offered
- Free EUR deposits by SEPA transfer, plus Apple Pay and Google Pay
- Minimum investment possible from €3
- MiCA licence from Malta's MFSA since 27 January 2025, plus licences as an e-money institution and investment firm
- 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
- Cashback only on paid tiers: the free Midnight card earns 0%, Level Up Plus costs €3.99 a month
- Higher card fees since 1 October 2026: a 2% foreign transaction fee outside the EU and UK now also applies to Ruby (above €400 a month) and Jade and Indigo (above €800), and an unused card costs €6 a month after twelve months
Costs & Discounts
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 Plus subscription, no trading fee on up to US$20,000 a month | €3.99 a month or €39.90 a year |
| Level Up Pro subscription, no trading fee on up to US$50,000 a month | €24.99 a month or €249.90 a year |
| Visa card: payments in a foreign currency outside the EU and UK | 2% on Midnight, on Ruby above €400 and on Jade and Indigo above €800 a month (since 1 October 2026) |
| Visa card without spending after twelve months | €6 a month (since 1 October 2026) |
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: Plus waives the 0.80% on up to US$20,000 of trading a month and pays for itself from roughly €500 of purchases a month; according to Crypto.com, spreads may still apply. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 1 November 2026 according to the Crypto.com Help Center, Fees & Limits (EEA), the Visa card fee overview for Europe and the Level Up page for the EEA.
User Experiences
AI Analysis1,674 analyzed reviewsOur AI collects and analyzes user reviews of crypto.com from the web and summarizes the key findings.
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.
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.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. 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
Feature Scope
Highlights
- Visa prepaid card with crypto cashback
- 400+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- MiCA-licensed by the MFSA Malta since January 2025, valid across the EU
Tradeable Assets
- Cryptocurrencies (400+ coins)
- Staking products
- Savings plan investments
Trading Options
- Buying and selling via the app
- Savings plan feature
- Staking
- VISA debit card for crypto payments
- Wallet transfers to external wallets
About crypto.com
Cheaper or safer: alternatives to crypto.com
Exchanges authorised in the EU under MiCA, each with the trading fee from our comparison and a head-to-head with crypto.com.
- Go to CoinbaseCoinbaseListed US group, MiCA authorisation via Coinbase Luxembourg S.A.Trading fee in our comparison: up to 1.875% + spread (as of 01/11/2026)crypto.com vs Coinbase compared
- Go to BitpandaBitpandaVienna-based, MiCA authorisation from the Austrian FMA for Bitpanda GmbH.Trading fee in our comparison: from 0.99% (as of 01/11/2026)crypto.com vs Bitpanda compared
- Go to OKXOKXMiCA authorisation in Malta via OKX Europe Limited.Trading fee in our comparison: 0.2 % (as of 01/11/2026)crypto.com vs OKX compared
Partner links: we earn a commission if you become a customer through one of these links. Not investment advice. Crypto assets are volatile and you can lose all of your money.
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