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Crypto.com Fees: Fee Overview
Crypto.com is one of the most widely used crypto platforms in the world, with over 100 million users. Before opening an account, it is essential to understand the fee structure — which depends on which platform you use: the consumer App or the professional Exchange.
| Type | Rate | Notes |
|---|---|---|
| Spot Maker | 0.25% | Standard, reduces with CRO staking |
| Spot Taker | 0.50% | Standard |
| App (consumer) | 0–0.5% spread | Varies per asset |
| Exchange VIP | from 0.04% maker | With high CRO staking |
| SEPA deposit | Free | Standard + Instant |
| SEPA withdrawal | Free | |
| Visa ATM withdrawal | Up to €400/month free | Variable fee above limit |
| Crypto withdrawal | Network fee | Varies by blockchain |
Crypto.com App vs Crypto.com Exchange
This is the most important distinction to understand about Crypto.com. There are two completely separate interfaces with different fee structures.
📱 Crypto.com App (consumer)
The App is designed for beginners and occasional users. It does not explicitly show maker/taker fees: the cost is embedded in the spread (difference between buy and sell price), which can reach 0.5-1% on some pairs. Easy to use, but less transparent on actual costs. For crypto-to-crypto swaps there are no explicit fees, but the spread applies anyway.
🖥️ Crypto.com Exchange (professional)
The Exchange is the advanced platform with transparent maker/taker fees. Starting from 0.25% maker / 0.50% taker, costs decrease with CRO staking and VIP levels. For active traders, it is significantly cheaper than the App.
| Feature | App | Exchange |
|---|---|---|
| Fee model | Implicit spread | Explicit Maker/Taker |
| Indicative fee | 0.5–1% | 0.04–0.25% maker |
| Transparency | Low | High |
| Best for | Beginners | Active traders |
💡 Practical Tip
If you trade regularly, always use Crypto.com Exchange instead of the App. The cost difference can be 3-5x lower. The App is fine for occasional purchases and managing the Visa card.
CRO Staking and Fee Discounts
Crypto.com rewards users who stake the native CRO token with reduced fees on the Exchange. The more CRO staked, the lower the VIP tier fees:
| Tier | CRO Staked | Maker | Taker |
|---|---|---|---|
| Standard | — | 0.25% | 0.50% |
| VIP 1 | Low threshold | 0.15% | 0.25% |
| VIP 2 | Mid threshold | 0.08% | 0.15% |
| VIP Elite | High threshold | 0.04% | 0.10% |
Beyond trading fees, staking CRO also unlocks higher Visa card tiers with better cashback and increased ATM limits. Always check the latest thresholds directly on Crypto.com as they may change.
Comparison with Competitors
How do Crypto.com fees compare to other major exchanges?
| Exchange | Maker | Taker | SEPA |
|---|---|---|---|
| MEXC | 0% | 0.05% | No |
| Binance | 0.10% | 0.10% | Free |
| Kraken | 0.16% | 0.26% | Free |
| Crypto.com | 0.25% | 0.50% | Free |
| Coinbase | 0.40% | 0.60% | Free |
Crypto.com does not have the lowest trading fees, but it excels in other areas: the Visa card with free ATM withdrawals up to €400/month, the user-friendly app and always-free SEPA deposits and withdrawals make it an attractive choice for everyday crypto use.
Open Crypto.com Account — Visa Card Included
The world's most popular crypto Visa card. Free ATM withdrawals up to €400/month, always-free SEPA, CRO cashback on every purchase.
Open Crypto.com Account →FAQ — Crypto.com Fees
Are Crypto.com fees high?
Compared to Binance (0.10%) and MEXC (0% maker), Crypto.com spot fees (maker 0.25%, taker 0.50%) are higher. The real value lies in the Visa card with free ATM withdrawals up to €400/month and always-free SEPA deposits and withdrawals. For everyday crypto users, the overall package is competitive.
How to reduce fees on Crypto.com?
Use Crypto.com Exchange instead of the App for lower maker/taker fees. Staking CRO unlocks VIP tiers: Exchange fees can drop to 0.04% maker. For active traders, the Exchange is significantly cheaper than the App (which uses implicit spreads of 0.5-1%).
Are there hidden fees on Crypto.com?
The spread in the App can be significant (0.5-1% per asset) and is not always visible before execution. For crypto-to-crypto swaps there are no explicit fees, but spread still applies. Always use Crypto.com Exchange for transparent maker/taker fees.
Is Crypto.com safe and regulated in Europe?
Yes. Crypto.com is registered as a CASP (Crypto Asset Service Provider) under the MiCA regulation in Malta ✅. It operates legally across the European Union with regulatory oversight. Check our MiCA Compliance Tracker to verify the regulatory status of any exchange.