Crypto.com review 2026
Great app, famous card, double Malta licence — but expensive without CRO staking.
ExchangeFacts verdict
Crypto.com is a Singapore-based, app-first retail platform famous for its Visa Card and heavy marketing, serving EU users through its MiCA- and MiFID II-licensed Maltese entity. It is convenient for buying, staking and card spending in one place, but entry-tier fees are high without CRO staking, and its history includes a 2023 DNB fine and a 2022 security incident.
Best suited for
Overview
Crypto.com is a Singapore-based exchange with a strong retail focus, known for the Visa Card, its mobile-first app and high-visibility marketing. For European users the service runs through the Maltese entity supervised by the MFSA. Dutch users may also know the company from the 2023 DNB fine — context that feeds into our security assessment. Profile reference date: July 2026.
Licensing & regulation
- MiCA licence: Malta (MFSA)
- MiFID II: Malta (MFSA)
- DNB fine: €2.85M (2023)
Products
| Product | Status | Details |
|---|---|---|
| Spot crypto | Live | 250+ assets |
| Crypto perpetuals | Live | Available |
| Visa Card | Live | Cashback rewards |
| Staking / Earn | Live | Selected assets |
| NFT marketplace | Live | Offered |
Costs
- Spot maker/taker: 0.25% / 0.50% (entry)
- VIP tiers: down to 0% / 0.028% (VIP6, ≥$250M) and 0% / 0.025% (VIP7, invitation-only)
- CRO staking: lowers fees further
Entry-tier fees are on the high side; without CRO staking, active traders are usually cheaper off elsewhere. Mind also the app vs exchange difference: instant buy in the app charges a spread on top of the fee, while the exchange environment uses maker/taker pricing.
Yield & capital efficiency
- Yield: on idle stablecoins
- Staking / Earn: selected assets
- Unified cross-collateral wallet: n/a
Proof of Reserves
- Frequency: monthly attestations
- Method: independent proof-of-reserves attestation
Track record
- Monthly proof-of-reserves attestations
- 2023 DNB fine: €2.85M
- 2022 security incident: affected users compensated, but counts in our security pillar
Pros / cons
Pros
- MiCA + MiFID II licensed
- Visa Card with cashback
- Broad asset range
- App-friendly experience
Cons
- DNB fine history
- High fees without CRO staking
- Complex product maze
- Limited advanced features
Score breakdown in detail
Every point is traceable per methodology v1.6 (as of 23 August 2026):
Frequently asked questions
Do I need CRO to trade cheaply?
Not mandatory, but without CRO staking fees are relatively high.
Is Crypto.com safe?
Crypto.com publishes monthly proof-of-reserves attestations and holds a MiCAR licence via Malta. In 2022 there was a security incident in which affected users were compensated; under our scoring methodology such an incident counts against the security pillar.
Who is Crypto.com best for?
Mainly retail users who want everything in one app: buying, staking, a Visa card and NFTs. Active traders with volume are usually cheaper off at venues with lower maker/taker fees, unless they stake CRO for discounts.