Crypto.com Review 2026: Hands-On Testing & Full Feature Breakdown
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GNCrypto editors review services independently. If you click on affiliate links, we may earn commissions, which help support our testing. The goal of our reviews is to provide our readers with the most objective and unbiased overviews of available platforms for spot crypto trading.
Crypto.com
Crypto.com feels great for beginners: easy app, lots of coins, and a prepaid crypto card. If you care a lot about low fees and pro tools, the web exchange is the better option.
GNcrypto's Verdict
Crypto.com is one of the biggest names in global crypto services. It’s known for its large ecosystem and high-profile partnerships across major sports leagues, arenas, and sponsorships. As of 2025, Crypto.com has 150 million users across 90 countries. In our testing, the platform felt polished and well-organised, with smooth navigation between key features like spot trading, the card, and payments. However, the instant-buy feature is noticeably more expensive compared to lower-cost exchanges.
- 400+ coins and tokens
- Works in many countries
- Simple app and separate pro exchange
- Confusing fee structure
- App trading is more expensive
- Fewer pro tools in the app
On this page
- What Is Crypto.com? Company Background & Market Position
- Key Features & Services Offered by Crypto.com
- Spot Trading on the Crypto.com Exchange (Web/Browser)
- Spot Trading in the Crypto.com App (Mobile)
- Crypto.com Fees: Exchange vs. App
- Key Takeaways
- Crypto.com Pros & Cons
- Trustworthiness Check
- GNcrypto’s Overall Crypto.com Rating
- Methodology – Why You Should Trust Us
- How We Collect Data
- Categories & Weights
Crypto.com is a major crypto platform with over 400 assets, a user-friendly interface, and extra features like staking and a crypto card. It works well for beginners and intermediate traders, though mobile app fees are higher, and some advanced trading tools are limited.
What Is Crypto.com? Company Background & Market Position
Crypto.com is a cryptocurrency exchange for individuals and businesses. The platform lets users buy and sell over 400 cryptocurrencies, including Bitcoin, Ether, Solana, and its native token Cronos (CRO). It also offers features like earning rewards, staking, and basket trading.
According to Messari, Crypto.com ranks among the top 10 largest crypto exchanges, posting over $2.7 billion in daily trading volume.
After reviewing the platform’s basic features, the sign-up process was straightforward. When we registered, we had to choose the type of account to open – either an individual account or a business account. You can start the registration with an email, Google, or Apple account.
Since Crypto.com is a centralized exchange, identity verification is required. We selected whether to verify with a passport or an ID card, uploaded the photos, took a selfie, and followed the steps provided. After that, we just waited for confirmation.
As of late 2025, Crypto.com has more than 150 million users worldwide. The platform operates in over 100 regions, including several U.S. states, Austria, Singapore, the U.K., the UAE, Japan, and most of Europe. Restricted regions include China, Russia, Hong Kong, Iran, and parts of Ukraine.
If you’re searching for more details on what is Crypto.com from a historical perspective, the company was founded in 2016 by Kris Marszalek under the name Monaco Technologies and rebranded to Crypto.com in 2018. It is headquartered in Singapore and operates through regional entities to comply with local regulations.
Key Features & Services Offered by Crypto.com
Products and services on Crypto.com can vary depending on your location. For example, users in the U.S. can access prediction markets, including financial, economic, and sports predictions – features that are not available in other countries.
Among its most widely used services is spot trading, which allows users to buy and sell cryptocurrencies directly. Accounts can be funded via bank transfers, credit or debit cards (Visa/Mastercard), and digital wallets like Apple Pay and Google Pay. The platform supports over 20 fiat currencies, though available options depend on the user’s region.
While testing spot trading, we found that Crypto.com operates through two main versions: the Crypto.com App and the Crypto.com Exchange (web/desktop). These are separate platforms, each with different features and fees. Based on our experience and public Crypto.com reviews, here are the key points.
Spot Trading on the Crypto.com Exchange (Web/Browser)
For actual spot trading, the web exchange is the more complete option. It gives you access to:
- Full trading pairs and order types (market, limit, stop-limit)
- Order book and depth charts
- Real-time price feeds
- Tools like TradingView charts
- Lower trading fees compared to the app
Spot Trading in the Crypto.com App (Mobile)
The mobile app is designed mainly for beginners or people who want simple, fast access. You can still trade spot pairs, but:
- You don’t see the full order book
- There are no advanced charts
- Order types are limited
- Fees are noticeably higher
- The interface pushes quick trades rather than granular trading decisions
Crypto.com Fees: Exchange vs. App
Crypto.com’s fees differ between the web exchange and the mobile app.
On the web exchange, spot trading uses a maker–taker model, with maker fees at 0.25% and taker fees at 0.50% as of the latest fee schedule. Maker orders, such as limit orders, are cheaper because they wait in the order book, while taker orders, such as market orders that execute instantly, cost more. Fees can change depending on how much you trade, the type of order, and if you hold CRO, and Crypto.com may update them at any time.
On the mobile app, fees for instant buy/sell trades are generally higher than on the web exchange, often ranging around 0.40-0.50% or more, depending on your payment method and region. Because of this, frequent spot traders usually save money by using the web exchange rather than the app. Always check the trade-preview screen before confirming a trade.
Key Takeaways
- If you trade spot pairs regularly, the web exchange is usually cheaper.
- The app is convenient, but its instant trades typically cost more.
- Always check the fee or trade-preview screen before confirming a transaction.
Crypto.com Pros & Cons
Strengths:
- Access to 400+ digital assets, including popular and niche tokens
- Heavily regulated with licenses in most U.S. states, Europe, Asia, and beyond.
- User-friendly platform with both app and web exchange
- Additional features like staking, earn, basket trading, and a prepaid Visa card
- Strong, recognizable brand with high-profile partnerships
Weaknesses:
- Fee structure can be confusing for beginners
- Mobile app charges more than the web exchange
- Some users report delayed withdrawals
- Limited advanced features for retail users
For anyone asking if is Crypto.com a good exchange, it works well for beginners and intermediate traders. Our Crypto.com review, along with user feedback, shows the platform is safe, flexible, and offers good spot trading, staking, a crypto card, and a well-known global brand. Fees are generally competitive, but mobile app trades can be more expensive, and some advanced features – like order-book views and stop-loss/OCO orders – are limited.
Trustworthiness Check
Crypto.com holds a broad set of licenses, including a MiCA license from Malta (allowing EU operations), a Major Payment Institution License from Singapore’s MAS, Money Transmitter Licenses in several U.S. states, and registrations with the UK FCA, Dubai VARA, and authorities in Hong Kong, Australia, and Canada. These licenses give the platform legal coverage in many major markets.
Despite this regulatory reach, user reviews tell a different story. On Trustpilot, Crypto.com scores 1.3 out of 5 stars from over 9,000 reviews, with most complaints citing high trading spreads (7–15% on the mobile app), unexpected account restrictions during compliance checks, slow withdrawals, and poor customer service. Capterra ratings are higher at 3.7/5, but the sample size is smaller.
The platform has faced security incidents in the past. In January 2022, attackers bypassed two-factor authentication, stealing $34 million from 483 accounts. Crypto.com later reimbursed all users and upgraded its 2FA system, adding a 24-hour delay for new withdrawal addresses. In 2023, the Scattered Spider hacking group exposed user data. The company did not initially disclose this publicly but confirmed no funds were lost.
Crypto.com also released a Proof-of-Reserves audit in December 2022 through Mazars Group. It showed reserves exceeding 100% for BTC (102%), ETH (101%), and USDC (102%) and used Merkle tree structures so users could verify their balances. However, this audit reflects a single point in time, and the company has not consistently published detailed reserve attestations since.
GNcrypto’s Overall Crypto.com Rating
| Criteria | Rating (out of 5) |
|---|---|
| Liquidity & Volume | 4.0 |
| Fees & Total Cost to Trade | 3.0 |
| Asset Selection & Trading Pairs | 4.0 |
| Execution Quality / Market Quality | 4.0 |
| Tools & Order Controls | 4.0 |
| Fiat Access & Minimum Trade Size | 2.0 |
| Reliability & Transparency | 3.5 |
Methodology – Why You Should Trust Us
We use a weighted, category-based model, collect standardized data from each platform (open data + hands-on testing), and convert that into a 1.0–5.0 star score in 0.1 increments.
Our focus is spot trading quality: real fees, minimum trade size, crypto availability, market quality, and the user-facing experience.
How We Collect Data
- Public data: fee schedules, supported pairs, status/help pages, network/withdrawal info.
- First-hand testing: we place test trades (here: $200), measure spreads/slippage, and check UI speed and order controls.
We do not rate solvency or make guarantees about financial stability. Ratings reflect user experience, not a balance-sheet audit.
Categories & Weights
- Liquidity & Volume – 25%
- Fees & Total Cost to Trade – 25%
- Asset Selection & Trading Pairs – 15%
- Execution Quality (Market Quality) – 10%
- Tools & Order Controls – 10%
- Fiat Access & Minimum Trade Size – 5%
- Reliability & Transparency – 10%
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