Crypto.com offers a comprehensive crypto ecosystem including exchange, Visa card with cashback, staking, and DeFi wallet.
- Visa card with cashback
- Comprehensive ecosystem
- $250M insurance
- CRO staking benefits
- App spreads can be high
- CRO staking required for best rates
- Complex reward structure
Fees & costs
- Min. deposit
- €$1
- Trading
- 0.075%-0.4% maker/taker (CRO staking discounts)
- Stock fee
- N/A (Crypto only)
- Spread
- Spreads on app, tight on exchange
- Deposits
- Free
- Withdrawals
- Network fees
- Inactivity
- None
Platforms & features
Who this fits best
Note: app spreads can be high.
How to use in practice
Spending Crypto in Daily Life
Use the Crypto.com Visa card to spend cryptocurrency at millions of merchants worldwide while earning up to 8% cashback in CRO.
Pay for groceries, fuel, or online purchases with your Crypto.com card and automatically receive CRO cashback deposited to your account.
Building a Crypto Ecosystem
Access a comprehensive suite of products including the exchange, Visa card, Crypto Earn interest accounts, DeFi wallet, and NFT marketplace.
Hold crypto on Crypto.com Earn to generate interest, use the DeFi wallet for decentralized applications, and spend rewards with the Visa card.
Earning Interest on Crypto Holdings
Deposit cryptocurrencies into Crypto Earn to receive interest payments, with boosted rates available for users who stake CRO.
Lock stablecoins in Crypto Earn for a 3-month term to earn interest while maintaining exposure to the crypto ecosystem.
Tips for beginners
- 01
Understand CRO staking tiers before committing
Crypto.com card benefits and Earn rates depend on your CRO staking tier. Research the required stake amounts and lock periods before making decisions about staking.
- 02
Use the Exchange for lower fees
The main Crypto.com app includes spreads in prices. The separate Crypto.com Exchange offers lower maker/taker fees (0.04%-0.4%) for more active traders.
- 03
Start with the free Midnight Blue card
The entry-level Midnight Blue card requires no CRO stake and offers 1% cashback. Use this to experience the card before deciding whether to stake for higher tiers.
- 04
Compare Earn rates across terms
Crypto Earn offers different interest rates for flexible, 1-month, and 3-month lock periods. Longer locks provide higher rates, but consider your liquidity needs before committing.
Account opening steps
- 1.
Download App
Download the Crypto.com app from App Store or Google Play
- 2.
Create Account
Register with email and create a secure password
- 3.
Complete KYC
Upload government ID and complete selfie verification
- 4.
Fund Account
Deposit via SEPA, card, or crypto transfer
- 5.
Order Card (Optional)
Apply for a Visa card and stake CRO for better benefits
Extended guide
Complete Guide to Crypto Investing with Crypto.com
Getting Started
Download the Crypto.com app from the App Store or Google Play. Register with your email, create a secure password, and complete identity verification by uploading a government ID and taking a selfie. Enable 2FA for account security.
Fund your account via SEPA bank transfer (free, 1-3 days), credit card (2.99% fee), Apple Pay, or crypto deposit. Note that credit card fees are higher but provide instant access.
Key Features and How to Use Them
Crypto.com Visa Card: Apply for a metal Visa card in the app. Card tiers from Midnight Blue (no stake, 1% cashback) to Obsidian (high CRO stake, 8% cashback) offer increasing benefits. Higher tiers include Spotify, Netflix reimbursements, and airport lounge access.
Crypto Earn: Deposit crypto to earn interest. Navigate to Crypto Earn in the app, select an asset, and choose a term (flexible, 1-month, or 3-month lock). Longer terms and CRO staking boost your rates.
CRO Staking: Staking CRO for 6 months unlocks better card tiers and enhanced Earn rates. Consider your commitment carefully as staked CRO is locked during this period.
Crypto.com Exchange: For lower trading fees, use the separate Crypto.com Exchange platform (different from the app). It offers 0.04%-0.4% maker/taker fees versus the app's spread-based pricing.
DeFi Wallet: The separate Crypto.com DeFi Wallet is a self-custody option where you control your private keys. Use it for DeFi protocols, staking, and decentralized applications.
Tips for Success
Start with the free Midnight Blue card to experience the ecosystem before staking CRO for higher tiers. Compare Earn rates across different terms and consider liquidity needs. For frequent trading, use the Exchange rather than the app to benefit from lower fees.
Understand that the best benefits require significant CRO staking. Calculate whether the card cashback and Earn rate boosts justify the stake for your usage patterns.