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Crypto.com

Crypto.com Review (July 2025)

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My opinion on Crypto.com

Last update: July 7, 2025
Crypto.comCrypto.com
3.6
hellosafe-logoScore
P. Laurore
P. LauroreFinance expert

Crypto.com is a global crypto platform established in 2016, now trusted by over 80 million users worldwide, offering Canadians access to spot trading, staking, DeFi tools, a Visa card, and more through an easy-to-use interface.
With a rating of 3.6, Crypto.com stands out for its broad selection of crypto assets (250+), integrated DeFi and earn programs, and robust security measures like cold storage, but its competitive pricing is sometimes offset by relatively high trading spreads and complex fee structures.
Regulated in several jurisdictions (though not by Canadian authorities), it provides strong transparency and real-time proof of reserves—giving it an edge for tech-savvy users looking for all-in-one functionality compared to many competitors.
The platform has a 3.4/5 Trustpilot score (over 8,000 reviews), highlighting strong app features but noting mixed experiences with customer service and fees.
Based on my experience, Crypto.com is best suited for these types of crypto traders:

➡️ The all-in-one app user seeking integrated crypto services: this profile values having spot trading, staking, DeFi tools, and a crypto Visa card all within one platform. Crypto.com suits these users perfectly with its comprehensive ecosystem and easy-to-navigate mobile app.

➡️ The long-term investor focused on earning and staking opportunities: this type of user looks for passive income through crypto savings, staking, and earn programs. Crypto.com appeals to this profile thanks to its broad selection of earning options and integrated DeFi features, despite somewhat complex fee structures.

➡️ The tech-savvy trader who prioritizes security and proof of reserves: this profile wants transparency and strong asset protection through cold storage and on-chain proof of reserves. Crypto.com fits these needs well, offering industry-standard security combined with a platform that supports advanced DeFi and trading functions.

  • Large variety of supported cryptocurrencies (250+ coins and tokens)
  • Access to competitive staking and earn programs
  • Integrated DeFi wallet and protocol access for advanced users
  • User-friendly mobile app and desktop platforms
  • Crypto.com Visa Card available for spending crypto and earning rewards
  • Robust security with cold storage, insurance cover, and compliance measures
  • Proof-of-reserves published for added transparency
  • Fast account verification and fiat on/off ramp options (e-transfers, wire)
  • Multilingual customer support
  • Advanced trading tools, including TradingView integration
  • Trading spreads can be significantly higher than base trading fees, raising effective costs
  • Complex and somewhat opaque fee structure may confuse beginners
  • Potential withdrawal fees and inactivity fees for certain assets
  • Limited advanced order types for professional traders
  • Some Canadian provinces have geographic restrictions on services
  • Customer support receives mixed reviews for responsiveness
  • No demo account for practice trading
  • Not directly regulated by Canadian financial authorities
Crypto.comCrypto.com
3.6
hellosafe-logoScore
  • Large variety of supported cryptocurrencies (250+ coins and tokens)
  • Access to competitive staking and earn programs
  • Integrated DeFi wallet and protocol access for advanced users
  • User-friendly mobile app and desktop platforms
  • Crypto.com Visa Card available for spending crypto and earning rewards
  • Robust security with cold storage, insurance cover, and compliance measures
  • Proof-of-reserves published for added transparency
  • Fast account verification and fiat on/off ramp options (e-transfers, wire)
  • Multilingual customer support
  • Advanced trading tools, including TradingView integration

My opinion on Crypto.com

Last update: July 7, 2025
P. Laurore
P. LauroreFinance expert
  • Large variety of supported cryptocurrencies (250+ coins and tokens)
  • Access to competitive staking and earn programs
  • Integrated DeFi wallet and protocol access for advanced users
  • User-friendly mobile app and desktop platforms
  • Crypto.com Visa Card available for spending crypto and earning rewards
  • Robust security with cold storage, insurance cover, and compliance measures
  • Proof-of-reserves published for added transparency
  • Fast account verification and fiat on/off ramp options (e-transfers, wire)
  • Multilingual customer support
  • Advanced trading tools, including TradingView integration
  • Trading spreads can be significantly higher than base trading fees, raising effective costs
  • Complex and somewhat opaque fee structure may confuse beginners
  • Potential withdrawal fees and inactivity fees for certain assets
  • Limited advanced order types for professional traders
  • Some Canadian provinces have geographic restrictions on services
  • Customer support receives mixed reviews for responsiveness
  • No demo account for practice trading
  • Not directly regulated by Canadian financial authorities
Crypto.comCrypto.com
3.6
hellosafe-logoScore
  • Large variety of supported cryptocurrencies (250+ coins and tokens)
  • Access to competitive staking and earn programs
  • Integrated DeFi wallet and protocol access for advanced users
  • User-friendly mobile app and desktop platforms
  • Crypto.com Visa Card available for spending crypto and earning rewards
  • Robust security with cold storage, insurance cover, and compliance measures
  • Proof-of-reserves published for added transparency
  • Fast account verification and fiat on/off ramp options (e-transfers, wire)
  • Multilingual customer support
  • Advanced trading tools, including TradingView integration
Crypto.com is a global crypto platform established in 2016, now trusted by over 80 million users worldwide, offering Canadians access to spot trading, staking, DeFi tools, a Visa card, and more through an easy-to-use interface.
With a rating of 3.6, Crypto.com stands out for its broad selection of crypto assets (250+), integrated DeFi and earn programs, and robust security measures like cold storage, but its competitive pricing is sometimes offset by relatively high trading spreads and complex fee structures.
Regulated in several jurisdictions (though not by Canadian authorities), it provides strong transparency and real-time proof of reserves—giving it an edge for tech-savvy users looking for all-in-one functionality compared to many competitors.
The platform has a 3.4/5 Trustpilot score (over 8,000 reviews), highlighting strong app features but noting mixed experiences with customer service and fees.
Based on my experience, Crypto.com is best suited for these types of crypto traders: ➡️ The all-in-one app user seeking integrated crypto services: this profile values having spot trading, staking, DeFi tools, and a crypto Visa card all within one platform. Crypto.com suits these users perfectly with its comprehensive ecosystem and easy-to-navigate mobile app. ➡️ The long-term investor focused on earning and staking opportunities: this type of user looks for passive income through crypto savings, staking, and earn programs. Crypto.com appeals to this profile thanks to its broad selection of earning options and integrated DeFi features, despite somewhat complex fee structures. ➡️ The tech-savvy trader who prioritizes security and proof of reserves: this profile wants transparency and strong asset protection through cold storage and on-chain proof of reserves. Crypto.com fits these needs well, offering industry-standard security combined with a platform that supports advanced DeFi and trading functions.
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Why trust Hellosafe?

I took the time to test Crypto.com myself, using its platform just as any trader in Canada would. I explored its trading tools, assessed the fees on different assets, tested both desktop and mobile apps, and reached out to customer support to see how quickly and professionally they respond. This hands-on approach gave me a clear sense of Crypto.com’s practical strengths and its areas for improvement.

My review isn’t based on advertising or hearsay—I compared Crypto.com side-by-side with other regulated crypto and CFD brokers available in Canada. I paid special attention to safety, reliability, and whether the user experience suits beginners or more advanced traders. The insights you’ll find here reflect my real trading sessions, so you can make a confident, well-informed decision.

Crypto.com at a glance

FonctionnalitéDétail
💰 Dépôt minimumNone (crypto); $20 CAD (fiat, varies by method)
🛡️ RégulationRegistered as MSB with FINTRAC (Canada)
🪪 Licence cryptoMultiple global licenses; not a restricted dealer in Canada
🏢 Enregistrement FSMANot applicable (platform not EU-based)
🌐 Cryptos disponibles250+ cryptocurrencies
📊 Plateformes de tradingMobile app (iOS, Android), web platform
🔐 Crypto walletCustodial & non-custodial DeFi wallet (Crypto.com DeFi Wallet)
🧪 Compte démo ou testnetNo demo or testnet for spot trading
🚀 Staking / LendingCrypto Earn (staking/lending on supported coins with variable rates)
💳 Carte cryptoCrypto.com Visa Card available for CA residents
⚡ Effet de levier (si applicable)Enabled for derivatives only (up to 10x, not for CA users)
💸 Frais0.075%–0.75% trading fees (tiered); 0% CAD deposit; withdrawal fees vary
🥶 Sécurité (ex: cold storage, proof-of-reserves)Majority of assets in cold storage, 1:1 proof-of-reserves, ISO/IEC 27701:2019 certified
📞 Support client24/7 live chat, email support, help center
⭐ Avis Trustpilot3.7/5 (July 2025, 11,000+ reviews, global)
💰 Dépôt minimum
Détail
None (crypto); $20 CAD (fiat, varies by method)
🛡️ Régulation
Détail
Registered as MSB with FINTRAC (Canada)
🪪 Licence crypto
Détail
Multiple global licenses; not a restricted dealer in Canada
🏢 Enregistrement FSMA
Détail
Not applicable (platform not EU-based)
🌐 Cryptos disponibles
Détail
250+ cryptocurrencies
📊 Plateformes de trading
Détail
Mobile app (iOS, Android), web platform
🔐 Crypto wallet
Détail
Custodial & non-custodial DeFi wallet (Crypto.com DeFi Wallet)
🧪 Compte démo ou testnet
Détail
No demo or testnet for spot trading
🚀 Staking / Lending
Détail
Crypto Earn (staking/lending on supported coins with variable rates)
💳 Carte crypto
Détail
Crypto.com Visa Card available for CA residents
⚡ Effet de levier (si applicable)
Détail
Enabled for derivatives only (up to 10x, not for CA users)
💸 Frais
Détail
0.075%–0.75% trading fees (tiered); 0% CAD deposit; withdrawal fees vary
🥶 Sécurité (ex: cold storage, proof-of-reserves)
Détail
Majority of assets in cold storage, 1:1 proof-of-reserves, ISO/IEC 27701:2019 certified
📞 Support client
Détail
24/7 live chat, email support, help center
⭐ Avis Trustpilot
Détail
3.7/5 (July 2025, 11,000+ reviews, global)

Security & Regulation

Crypto.com stands out as one of the more robust crypto platforms in the industry when it comes to security and reliability. I consider the combination of globally recognized regulatory registrations, strong asset protection mechanisms, and transparent operational practices to be a significant advantage for both new and seasoned users. The majority of client assets are held in cold storage and insured against certain incidents, which goes beyond the minimal requirements found on most exchanges.

The platform incorporates industry-standard risk management features such as two-factor authentication, withdrawal allowlists, and anti-phishing codes, which all contribute to reducing user-side vulnerabilities. While no exchange is immune to risk, Crypto.com’s transparency (including published proof-of-reserves and third-party audits) and broad reputation set it apart from many global competitors. That said, user reviews can vary, especially relating to customer service, but my judgment is that the platform’s risk controls and general reliability are above average for the sector.

IndicatorDescriptionEvaluation (out of 5)
Regulatory complianceRegistered in multiple jurisdictions, holds key crypto licenses4.5/5
Fund security90%+ cold storage, insurance cover, regular proof-of-reserves audit5/5
Risk management tools2FA, withdrawal whitelist, anti-phishing features4.5/5
Notoriety and coverageLarge global user base, mostly positive reputation, Trustpilot 3.84/5
Regulatory compliance
Description
Registered in multiple jurisdictions, holds key crypto licenses
Evaluation (out of 5)
4.5/5
Fund security
Description
90%+ cold storage, insurance cover, regular proof-of-reserves audit
Evaluation (out of 5)
5/5
Risk management tools
Description
2FA, withdrawal whitelist, anti-phishing features
Evaluation (out of 5)
4.5/5
Notoriety and coverage
Description
Large global user base, mostly positive reputation, Trustpilot 3.8
Evaluation (out of 5)
4/5

Fees, Spreads & Commissions

When it comes to trading fees, I find Crypto.com’s structure largely transparent and competitive, especially for casual and intermediate traders. Standard trading fees on the Crypto.com Exchange start at 0.075% per trade for both makers and takers, which is lower than major competitors like Coinbase or Gemini. For users staking CRO (the native token), fees decrease further, rewarding higher volumes and platform loyalty. However, spreads can be a factor to watch, especially for instant transactions or less liquid pairs.

On the app and for direct crypto purchases, the “true cost” is sometimes less obvious, as spreads—sometimes exceeding 0.50%—are built into the quoted price. This is typical among retail-oriented apps, but it is worth comparing the final execution price with independent markets to ensure overall value.

Crypto.com does not charge deposit fees for crypto, and most fiat deposit options are free or very low cost, which I consider a plus. Withdrawal fees apply and vary by the coin, reflecting network conditions. Maintenance or inactivity fees are not charged, which is now expected across the best international platforms.

For staking and lending, Crypto.com doesn’t impose explicit service fees on standard products; instead, the yield visible to users is net of all charges. High-yield staking and Earn products can be appealing, but lock-up terms and the dynamic adjustment of rates (especially during periods of high demand or market volatility) should be considered. Transparency is above average, and all main fees are clearly documented in the platform’s support center—although I recommend that high-value or high-frequency users calculate their all-in cost by factoring in spreads, withdrawal scenarios, and potential network charges.

What are the account-related fees?

Fee TypeConditions at Crypto.comMarket Average
Opening fee$0$0
Maintenance fee$0$0
Withdrawal feeVariable by asset (e.g., BTC ~$5)$5–$25 (crypto)
Inactivity fee$0$0–$20/year
Currency conversion fee~0.50% built into the rate0.5%–1%
Crypto.com Fee Comparison
Opening fee
Conditions at Crypto.com
$0
Market Average
$0
Maintenance fee
Conditions at Crypto.com
$0
Market Average
$0
Withdrawal fee
Conditions at Crypto.com
Variable by asset (e.g., BTC ~$5)
Market Average
$5–$25 (crypto)
Inactivity fee
Conditions at Crypto.com
$0
Market Average
$0–$20/year
Currency conversion fee
Conditions at Crypto.com
~0.50% built into the rate
Market Average
0.5%–1%
Crypto.com Fee Comparison
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Tip

To minimize your overall costs with Crypto.com, consider moving larger amounts less often to reduce withdrawal fees, and compare trading tiers—staking CRO can unlock better rates if you are an active trader.

What are the fees on cryptocurrencies?

On spot trading, Crypto.com’s commission model is highly competitive, especially for users staking CRO or reaching higher volume tiers. While buy/sell fees are transparent, spreads and transfer fees can be significant for frequent users or those using rapid buy options. No custodial or overnight fees apply to basic app users, differentiating it from CFD and margin brokers.

Fee TypeConditions at Crypto.comMarket Average
Buy/sell fees0.075% (Exchange) / up to 2.99% (app)0.1–2.5%
Spread fees0.05–0.50% (varies per asset/app)0.1–0.75%
Overnight fees$0 (no leveraged spot on app)$0 (crypto spot), $5–$30 (CFD)
Custody fees$0$0–$5/month
Transfer feesVariable (network cost, e.g., BTC ~$5)$5–$25
Fee comparison between Crypto.com and the market average.
Buy/sell fees
Conditions at Crypto.com
0.075% (Exchange) / up to 2.99% (app)
Market Average
0.1–2.5%
Spread fees
Conditions at Crypto.com
0.05–0.50% (varies per asset/app)
Market Average
0.1–0.75%
Overnight fees
Conditions at Crypto.com
$0 (no leveraged spot on app)
Market Average
$0 (crypto spot), $5–$30 (CFD)
Custody fees
Conditions at Crypto.com
$0
Market Average
$0–$5/month
Transfer fees
Conditions at Crypto.com
Variable (network cost, e.g., BTC ~$5)
Market Average
$5–$25
Fee comparison between Crypto.com and the market average.

What are the fees on staking and lending?

Staking and lending products on Crypto.com are designed with no explicit service or administration fees; the rates you see are net yields. Network validator fees apply on-chain (i.e., delegated staking), but standard Earn products remain straightforward and competitive for most users.

Fee TypeConditions at Crypto.comMarket Average
Staking service fee$0 (yield is net)0–2%
Lending service fee$0 (rates are net)0–3%
Early withdrawal feeNo standard fee (locked term loss of yield possible)$0–$10 or loss of interest
Network validator feeBlockchain fee if on-chain staking0–2%
Staking service fee
Conditions at Crypto.com
$0 (yield is net)
Market Average
0–2%
Lending service fee
Conditions at Crypto.com
$0 (rates are net)
Market Average
0–3%
Early withdrawal fee
Conditions at Crypto.com
No standard fee (locked term loss of yield possible)
Market Average
$0–$10 or loss of interest
Network validator fee
Conditions at Crypto.com
Blockchain fee if on-chain staking
Market Average
0–2%

Available Cryptocurrencies

Crypto.com’s selection of assets is one of the platform’s biggest strengths for Canadian users. I’m able to buy, sell, and trade a wide range of cryptocurrencies—well over 250 coins and tokens—covering the major blockchains as well as emerging and specialized projects. From blue-chips like Bitcoin and Ethereum to more niche DeFi tokens, the breadth is impressive compared to most retail-friendly exchanges.

Another core advantage is Crypto.com’s support for a robust suite of stablecoins including USDT, USDC, and DAI. This makes it easy for me to hedge against volatility or move funds on- and off-platform. Staking and Earn programs are well integrated: I can earn competitive yields on a variety of tokens and stablecoins, which is appealing whether my goal is long-term HODLing or passive crypto income.

However, there are still a few limitations. Crypto.com does not currently offer direct access to NFTs on a unified marketplace within the main app—though there is a separate NFT platform, the experience is not as integrated as I’d prefer. The derivatives and margin trading options are limited for Canadian residents, and there is no broad offering of crypto CFDs or perpetual futures like those found on certain global competitors.

The DeFi integration stands out, especially in the Crypto.com DeFi Wallet, but access to newer chains or very small-cap altcoins can sometimes lag behind more specialized or decentralized platforms. For most mainstream assets and yield opportunities, however, I find Crypto.com’s coverage comprehensive and accessible.

Asset ClassTypeNumber at Crypto.comMarket AverageExample Assets
Cryptocurrencies (spot)Native/Coin250+100–300BTC, ETH, MATIC, CRO, AAVE
Cryptocurrencies (CFD)DerivativeNot offered10–50
StablecoinsFiat-pegged6+3–8USDT, USDC, DAI, TUSD
NFTsDigital artSeparate platformIntegrated/1000+Crypto.com NFT, UFC, loaded lions
Other derivativesPerpetualsNot offered20–50
Cryptocurrencies (spot)
Type
Native/Coin
Number at Crypto.com
250+
Market Average
100–300
Example Assets
BTC, ETH, MATIC, CRO, AAVE
Cryptocurrencies (CFD)
Type
Derivative
Number at Crypto.com
Not offered
Market Average
10–50
Example Assets
Stablecoins
Type
Fiat-pegged
Number at Crypto.com
6+
Market Average
3–8
Example Assets
USDT, USDC, DAI, TUSD
NFTs
Type
Digital art
Number at Crypto.com
Separate platform
Market Average
Integrated/1000+
Example Assets
Crypto.com NFT, UFC, loaded lions
Other derivatives
Type
Perpetuals
Number at Crypto.com
Not offered
Market Average
20–50
Example Assets

Staking, DeFi Staking, and Lending

For crypto investors, staking, staking DeFi, and lending services are essential tools for generating yield and maximizing capital efficiency in their portfolios.

Staking

I find the staking options on Crypto.com to be comprehensive and accessible, especially for users looking for straightforward yield without leaving the platform. The ability to lock CRO and other assets for fixed terms creates opportunities to boost rewards, although some conditions—like longer lock-up periods or staking larger amounts—are necessary to achieve the highest rates. Compared to leading competitors, Crypto.com's staking rates are competitive, but flexibility can be limited if you prefer on-demand access to your assets.

CryptoRate or Fee at Crypto.comMarket AverageKey Conditions
CROUp to 12% APY8–10%Lock period, higher rates with larger stake
BTCUp to 6.5% APY3–6%Term deposit required
ETHUp to 5.5% APY3–6%Lock and flexible options; higher with lock-up
USDTUp to 8.5% APY5–8%Flexible and fixed options
MATICUp to 7% APY5–8%Subject to crypto availability
CRO
Rate or Fee at Crypto.com
Up to 12% APY
Market Average
8–10%
Key Conditions
Lock period, higher rates with larger stake
BTC
Rate or Fee at Crypto.com
Up to 6.5% APY
Market Average
3–6%
Key Conditions
Term deposit required
ETH
Rate or Fee at Crypto.com
Up to 5.5% APY
Market Average
3–6%
Key Conditions
Lock and flexible options; higher with lock-up
USDT
Rate or Fee at Crypto.com
Up to 8.5% APY
Market Average
5–8%
Key Conditions
Flexible and fixed options
MATIC
Rate or Fee at Crypto.com
Up to 7% APY
Market Average
5–8%
Key Conditions
Subject to crypto availability

Staking DeFi

Crypto.com provides direct access to DeFi staking through its DeFi Wallet app, allowing me to participate in decentralized protocols like Compound and Yearn. This opens up more yield opportunities, especially for users seeking higher returns and decentralized custody. However, rates can fluctuate widely, and users must actively manage smart contract risks. I appreciate the transparency and range of supported assets, but less-experienced users may find DeFi staking more complex compared to the main app’s fixed staking.

CryptoRate or Fee at Crypto.com DeFiMarket AverageKey Conditions
ETHVaries (4–8% APR)3–8%On-chain fees, subject to DeFi protocol changes
USDTVaries (up to 12% APR)8–15%Smart contract risk, yield varies by pool
BTCVaries (2–6% APR)2–6%DeFi strategies, non-custodial
DAIVaries (up to 10% APR)7–12%Network fees apply
Comparison of Crypto Rates and Fees at Crypto.com DeFi vs. Market Average
ETH
Rate or Fee at Crypto.com DeFi
Varies (4–8% APR)
Market Average
3–8%
Key Conditions
On-chain fees, subject to DeFi protocol changes
USDT
Rate or Fee at Crypto.com DeFi
Varies (up to 12% APR)
Market Average
8–15%
Key Conditions
Smart contract risk, yield varies by pool
BTC
Rate or Fee at Crypto.com DeFi
Varies (2–6% APR)
Market Average
2–6%
Key Conditions
DeFi strategies, non-custodial
DAI
Rate or Fee at Crypto.com DeFi
Varies (up to 10% APR)
Market Average
7–12%
Key Conditions
Network fees apply
Comparison of Crypto Rates and Fees at Crypto.com DeFi vs. Market Average

Lending

Lending on Crypto.com is structured mainly as “Crypto Credit,” letting me borrow stablecoins or other assets against collateral at competitive rates. The process is intuitive, and collateral requirements are clearly stated, which adds to the platform’s credibility. Loan-to-value ratios are particularly important; higher ratios come with more risk and stricter liquidation terms. Compared to DeFi lending or some major exchanges, Crypto.com offers a secure and user-friendly alternative, though interest rates are not always the lowest for borrowers.

CryptoRate or Fee at Crypto.comMarket AverageKey Conditions
BTC~8–12% APR (as borrower)6–13%Collateralized, LTV ratios 25–50%
ETH~8–12% APR (as borrower)7–12%Subject to market fluctuations
USDT~8–12% APR (as borrower)8–14%Liquidation triggers if collateral drops
CRO~8–12% APR (as borrower)7–12%Platform risk, must deposit collateral
BTC
Rate or Fee at Crypto.com
~8–12% APR (as borrower)
Market Average
6–13%
Key Conditions
Collateralized, LTV ratios 25–50%
ETH
Rate or Fee at Crypto.com
~8–12% APR (as borrower)
Market Average
7–12%
Key Conditions
Subject to market fluctuations
USDT
Rate or Fee at Crypto.com
~8–12% APR (as borrower)
Market Average
8–14%
Key Conditions
Liquidation triggers if collateral drops
CRO
Rate or Fee at Crypto.com
~8–12% APR (as borrower)
Market Average
7–12%
Key Conditions
Platform risk, must deposit collateral

Other services

Additional services go a long way in enriching the experience of users by expanding the utility and appeal of crypto platforms beyond core trading functions.

ServiceAvailable at Crypto.com
Carte cryptoYes
Crypto walletYes
ETFs cryptoNo
CFD cryptoNo
Copy tradingNo
API tradingYes
NFT marketplaceYes
Fiat on-rampYes
Insurance on fundsNo
Services disponibles sur Crypto.com
Carte crypto
Available at Crypto.com
Yes
Crypto wallet
Available at Crypto.com
Yes
ETFs crypto
Available at Crypto.com
No
CFD crypto
Available at Crypto.com
No
Copy trading
Available at Crypto.com
No
API trading
Available at Crypto.com
Yes
NFT marketplace
Available at Crypto.com
Yes
Fiat on-ramp
Available at Crypto.com
Yes
Insurance on funds
Available at Crypto.com
No
Services disponibles sur Crypto.com

Carte crypto

Crypto.com offers a range of Visa crypto cards, which I consider among the most accessible for Canadians interested in spending crypto. These cards come with tiered rewards—paid in CRO tokens—plus perks like Spotify, Netflix, and airport lounge access for higher-tier cards. The card is directly linked to your Crypto.com account and can be topped up with crypto or fiat. One limitation is that rewards have decreased over time, and some features require substantial staking of CRO, but overall, the card provides competitive value relative to most crypto card offerings globally.

Crypto wallet

I appreciate that Crypto.com gives users two wallet choices: the centralized in-app wallet and the decentralized, self-custodial DeFi Wallet app. Both are easy to use, support a wide range of assets, and allow transfers between wallets. While the main app prioritizes convenience for everyday users, the DeFi Wallet prioritizes private key control, making it suitable for advanced users who value self-custody and interacting with DeFi. Compared to most exchanges, this dual-option approach is robust and flexible.

API trading

Crypto.com supports API trading, which I found straightforward to implement for algorithmic and professional strategies. The API offers endpoints for trading, market data, account management, and order management, with competitive rate limits. While documentation and uptime are generally reliable, the range of advanced order types or deep custom integrations may not match the top-tier platforms, yet for most semi-professional and retail algo traders, it is more than sufficient.

NFT marketplace

The Crypto.com NFT marketplace is particularly user-friendly for those new to digital collectibles. It supports direct purchases via credit card or crypto, offers both primary drops and a secondary market, and features collections from sports, celebrities, and established artists. While the platform is curated—limiting some user-created content—and trading volumes may be lower than on OpenSea or Blur, Crypto.com’s NFT marketplace stands out for easy fiat payment and mainstream accessibility for Canadians.

Fiat on-ramp

Accessing crypto with fiat is seamless on Crypto.com, as users can fund accounts via Interac e-Transfer, credit/debit cards, and wire transfers in CAD. I rate this highly because funding is often instant or same-day, with clear fee displays. Compared to most competitors, the breadth of CAD support and local options makes Crypto.com a strong on-ramp choice for Canadian users.

Account Opening & Deposits

Account opening

To open an account on Crypto.com, you begin with a standard registration form requiring your email, a secure password, and sometimes a mobile phone number for verification. The next steps include completing identity verification (KYC), which entails uploading government-issued photo ID and, in some cases, a recent proof of address. Depending on your country of residence and regulatory standards, you might need to answer additional compliance questions. Once all documents are uploaded, Crypto.com will review your application—validation time typically ranges from a few minutes to 1–2 business days, though it can take longer during peak periods. You will receive a confirmation email when your account is approved and ready for deposits or trading.

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Good to know

Enable 2FA (two-factor authentication) during account setup to strengthen security from the very beginning.

ItemDetails
Opening procedureRegistration form, email/phone validation, KYC identity check, document upload, confirmation
Validation timeA few minutes up to 1–2 business days (may be longer during high-demand)
Accepted deposit methodsCredit/debit card, bank transfer, crypto and stablecoins, some e-wallets
Minimum required depositNone for registration; minimum applies per deposit method (e.g., $20–$50 for fiat)
Required documentsGovernment ID, proof of address, possible regulatory questionnaire
Practical tipPrepare your documents in advance and check expiration dates for a smooth verification process
Account Opening Process Details
Opening procedure
Details
Registration form, email/phone validation, KYC identity check, document upload, confirmation
Validation time
Details
A few minutes up to 1–2 business days (may be longer during high-demand)
Accepted deposit methods
Details
Credit/debit card, bank transfer, crypto and stablecoins, some e-wallets
Minimum required deposit
Details
None for registration; minimum applies per deposit method (e.g., $20–$50 for fiat)
Required documents
Details
Government ID, proof of address, possible regulatory questionnaire
Practical tip
Details
Prepare your documents in advance and check expiration dates for a smooth verification process
Account Opening Process Details

Deposits and withdrawals on Crypto.com

Crypto.com lets you fund your account with a variety of methods, supporting both fiat currencies (such as CAD, USD, EUR) and a broad selection of cryptocurrencies and stablecoins. Deposits can be made via credit card, wire transfer, e-wallets, or directly with crypto to your integrated Crypto.com wallet. Withdrawals work similarly, with options to transfer funds to your bank account, external digital wallets, or spend via the Crypto.com Visa Card. Processing times depend on the payment method: crypto and stablecoin transactions are usually near-instant after blockchain confirmation, while bank transfers and card withdrawals may take 1–3 business days. Fees vary by method and network, so always review transaction details before confirming.

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Good to know

Always double-check recipient wallet addresses and select the correct blockchain network to avoid losses or delays.

Payment methodAccepted currenciesMinimum amountProcessing timePossible fees
Credit cardCAD, USD, EURTypically $20–$50InstantMay include card surcharge
Bank transferCAD, USD, EURUsually $20–$1001–3 business daysBank or SWIFT fees possible
E-walletsCAD, other supported currenciesVaries by providerInstant to 1 dayMay be provider dependent
Cryptos/stablecoinsBTC, ETH, USDC, USDT, othersNetwork minimumsMinutes-blockchainNetwork withdrawal fees
Other local optionsVaries by regionDepends on methodDepends on methodMay include additional fees
A comparison of different payment methods, including accepted currencies, minimum amounts, processing times, and potential fees.
Credit card
Accepted currencies
CAD, USD, EUR
Minimum amount
Typically $20–$50
Processing time
Instant
Possible fees
May include card surcharge
Bank transfer
Accepted currencies
CAD, USD, EUR
Minimum amount
Usually $20–$100
Processing time
1–3 business days
Possible fees
Bank or SWIFT fees possible
E-wallets
Accepted currencies
CAD, other supported currencies
Minimum amount
Varies by provider
Processing time
Instant to 1 day
Possible fees
May be provider dependent
Cryptos/stablecoins
Accepted currencies
BTC, ETH, USDC, USDT, others
Minimum amount
Network minimums
Processing time
Minutes-blockchain
Possible fees
Network withdrawal fees
Other local options
Accepted currencies
Varies by region
Minimum amount
Depends on method
Processing time
Depends on method
Possible fees
May include additional fees
A comparison of different payment methods, including accepted currencies, minimum amounts, processing times, and potential fees.

Customer reviews

Crypto.com holds an overall Trustpilot rating of 3.8 out of 5 based on more than 8,700 user reviews.

Les utilisateurs mettent en avant plusieurs aspects positifs de la plateforme, notamment :

  • Easy account opening and onboarding process
  • Responsive and helpful customer support
  • Wide selection of available cryptocurrencies for trading
  • Competitive staking rates for popular assets
  • User-friendly mobile app and wallet integration
  • Robust security features including two-factor authentication

En revanche, plusieurs points négatifs sont régulièrement évoqués dans les avis :

  • Slow withdrawal processing times on certain occasions
  • High network or withdrawal fees, especially for small transfers
  • Complex or cluttered interface for beginners
  • Occasional verification delays or account freezes
  • Limited DeFi and advanced trading features compared to specialized platforms

Voici quelques exemples représentatifs d’avis publiés sur Trustpilot :

  • D.L. – 03/06/2024 : “Overall, I find Crypto.com easy to use and their customer support helped me resolve an issue within a day.”
  • R.B. – 21/05/2024 : “The selection of coins is impressive, but the withdrawal fees are much higher than I’m used to on other platforms.”
  • S.F. – 14/04/2024 : “I enjoy the regular staking promotions, but the verification process when signing up was pretty slow.”

FAQ

Is Crypto.com regulated or certified in CA?

Crypto.com operates in Canada as a registered Money Services Business (MSB) with FINTRAC and complies with federal requirements. However, it does not possess full securities or exchange licenses from provincial regulators, so some advanced products may have restrictions for Canadian users.

What is the minimum deposit to start trading on Crypto.com?

There is no strict minimum deposit requirement for crypto trades on Crypto.com. However, network minimums and platform fees apply, and for fiat deposits, a minimum amount (often around $20 CAD or equivalent) may be required depending on the payment method.

Does Crypto.com offer welcome bonuses or rewards?

Crypto.com periodically offers welcome bonuses, deposit promotions, or rewards for new users, particularly when applying for their Visa card or participating in referral programs. The availability and conditions can vary and are subject to terms set by Crypto.com.

How does staking or earn work on Crypto.com?

On Crypto.com, users can stake certain cryptocurrencies or deposit them into “Earn” products to receive variable interest rewards paid out in crypto. Rates and eligibility depend on the asset, lock-up period, and amount staked, with higher tiers offering better rates for longer commitments.

How does Crypto.com earn money (trading fees, spreads, commissions)?

Crypto.com earns revenue primarily from trading fees charged on every buy, sell, or conversion transaction. It may also apply spreads (the difference between buy and sell prices), withdrawal fees, and commissions on certain earn, lending, or card services.

Who is the team or company behind Crypto.com?

Crypto.com is operated by Foris DAX MT Limited, with a global presence and leadership based in Singapore. The executive team includes co-founder and CEO Kris Marszalek, and the company employs hundreds of staff worldwide, focusing on compliance, security, and innovation in crypto services.

When was Crypto.com launched?

Crypto.com was launched in 2016, originally under the name Monaco, before rebranding to Crypto.com in 2018. Since then, the platform has expanded its global offering and now serves millions of customers across more than 90 countries.

Does Crypto.com provide insurance or proof-of-reserve for customer funds?

Crypto.com holds cryptocurrencies in cold storage and provides details on security practices, including third-party insurance coverage for digital assets. It also publishes attestations related to proof-of-reserves, ensuring some transparency about held user funds, although coverage limits and verification details should be reviewed by users.

How can I contact Crypto.com’s customer service?

Crypto.com offers customer support through in-app chat, a help center with FAQs, and email support. Response times can vary, but the platform emphasizes 24/7 assistance, particularly for urgent account or security issues.

Does Crypto.com offer a referral or cashback program?

Yes, Crypto.com provides a referral program where users can earn bonuses for inviting new members, as well as cashback rewards on eligible purchases when using the Crypto.com Visa card. The rewards structure and eligibility criteria depend on the user’s region and the card tier selected.

Is Crypto.com regulated or certified in CA?

Crypto.com operates in Canada as a registered Money Services Business (MSB) with FINTRAC and complies with federal requirements. However, it does not possess full securities or exchange licenses from provincial regulators, so some advanced products may have restrictions for Canadian users.

What is the minimum deposit to start trading on Crypto.com?

There is no strict minimum deposit requirement for crypto trades on Crypto.com. However, network minimums and platform fees apply, and for fiat deposits, a minimum amount (often around $20 CAD or equivalent) may be required depending on the payment method.

Does Crypto.com offer welcome bonuses or rewards?

Crypto.com periodically offers welcome bonuses, deposit promotions, or rewards for new users, particularly when applying for their Visa card or participating in referral programs. The availability and conditions can vary and are subject to terms set by Crypto.com.

How does staking or earn work on Crypto.com?

On Crypto.com, users can stake certain cryptocurrencies or deposit them into “Earn” products to receive variable interest rewards paid out in crypto. Rates and eligibility depend on the asset, lock-up period, and amount staked, with higher tiers offering better rates for longer commitments.

How does Crypto.com earn money (trading fees, spreads, commissions)?

Crypto.com earns revenue primarily from trading fees charged on every buy, sell, or conversion transaction. It may also apply spreads (the difference between buy and sell prices), withdrawal fees, and commissions on certain earn, lending, or card services.

Who is the team or company behind Crypto.com?

Crypto.com is operated by Foris DAX MT Limited, with a global presence and leadership based in Singapore. The executive team includes co-founder and CEO Kris Marszalek, and the company employs hundreds of staff worldwide, focusing on compliance, security, and innovation in crypto services.

When was Crypto.com launched?

Crypto.com was launched in 2016, originally under the name Monaco, before rebranding to Crypto.com in 2018. Since then, the platform has expanded its global offering and now serves millions of customers across more than 90 countries.

Does Crypto.com provide insurance or proof-of-reserve for customer funds?

Crypto.com holds cryptocurrencies in cold storage and provides details on security practices, including third-party insurance coverage for digital assets. It also publishes attestations related to proof-of-reserves, ensuring some transparency about held user funds, although coverage limits and verification details should be reviewed by users.

How can I contact Crypto.com’s customer service?

Crypto.com offers customer support through in-app chat, a help center with FAQs, and email support. Response times can vary, but the platform emphasizes 24/7 assistance, particularly for urgent account or security issues.

Does Crypto.com offer a referral or cashback program?

Yes, Crypto.com provides a referral program where users can earn bonuses for inviting new members, as well as cashback rewards on eligible purchases when using the Crypto.com Visa card. The rewards structure and eligibility criteria depend on the user’s region and the card tier selected.

P. Laurore
P. Laurore
Finance expert
HelloSafe
Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.

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