Independent broker review · Updated July 5, 2026
Crypto.com: large global crypto exchange known for its Visa card and staking, but weak on Swiss regulation and support reputation? My 2026 review
A large Singapore-founded crypto exchange known for its Visa card and staking ecosystem, MFSA-authorised in the EU but without a FINMA licence in Switzerland and a weak support track record.
The ecosystem-focused crypto user who wants a card, staking and NFTs in one app, and accepts the lack of Swiss regulatory oversight
Beginners, and anyone who wants a FINMA-adjacent, well-supported account with stocks or ETFs
Kraken — FCA/FinCEN/BaFin licensed, proof-of-reserves audits, much stronger regulatory standing for a crypto-only platform
Read Kraken review →Our take
My take on Crypto.com
Founded in Singapore in 2016, Crypto.com has grown into one of the largest global crypto platforms, built around an ecosystem rather than a single product: a spot exchange listing 250+ cryptocurrencies, a widely used Visa card with CRO cashback, broad staking across major assets, an NFT marketplace and a non-custodial DeFi wallet. Within the EU/EEA it operates through an MFSA (Malta)-authorised entity under the MiCA framework.
We list it as a reference because of its scale and ecosystem breadth, not as a recommendation. It holds no FINMA licence or authorisation in Switzerland, its entry-tier trading fees run higher than several regulated competitors, and its Trustpilot record is persistently weak. For readers who want a regulated, well-supported investing account, our partners sit on firmer ground.
“On ecosystem breadth, card and staking, Crypto.com delivers. On Swiss regulatory standing and support reputation, it holds no FINMA licence and a Trustpilot score near 1.5/5, and that weighs heavily on the verdict. ”
— Roch de Montesquieu, Research Analyst · Fees, Data, Transparency
Why trust HelloBrokers?
This review is not a copy-paste of Crypto.com's marketing page. We tested the platforms, modelled the cost of a typical trade down to the pip, and benchmarked Crypto.com against the 13 brokers in our comparison. A broker is judged on verifiable figures, not marketing promises.
The essentials
Crypto.com at a glance
Key characteristics, verified on July 5, 2026.
Safety & regulation
Is your money safe?
Crypto.com's EU/EEA operations run through Foris DAX MT Limited, authorised by Malta's MFSA as a Crypto-Asset Service Provider (CASP) under the MiCA regulation, with passporting rights across the EU/EEA. The wider group is operated by Foris DAX Asia Pte. Ltd., headquartered in Singapore. None of this extends to Switzerland: Crypto.com holds no FINMA licence or authorisation, and Swiss users access the platform without the oversight a FINMA-regulated bank or securities dealer would provide, though the platform applies AML/KYC checks. Two-factor authentication is mandatory for account access and withdrawals. As with any unregulated crypto platform from a Swiss standpoint, holdings are not covered by an esisuisse-style investor-compensation scheme, and crypto remains a volatile, high-risk asset class.
🔒 HelloBrokers safety score: 3.0 / 5
Fees & spreads
What does it really cost?
Crypto.com's entry-tier spot fees, 0.25% maker and 0.50% taker for 30-day volumes under $10,000, sit above several regulated competitors. Fees compress as volume rises or when a CRO balance is held, down toward 0.00% maker and roughly 0.05% taker at the top VIP tiers, but reaching those tiers requires either very high turnover or a meaningful CRO position.
Crypto deposits are free. Card top-ups to fund purchases carry a fee of around 1%. Crypto withdrawals carry a network fee that varies by coin. Beyond the exchange itself, the ecosystem carries its own fee lines: the NFT marketplace charges a percentage on sales, and closing an account can trigger a fee, details worth checking directly before committing funds.
| Account | Min. deposit | Spread from | Commission |
|---|---|---|---|
| Personal crypto account The standard account. Fees fall with 30-day volume or a CRO balance, down toward 0.00% maker / ~0.05% taker at top VIP tiers. | $0 (crypto deposit) | 0.25% maker (entry tier) | 0.50% taker (entry tier) |
Real-world scenarios
Real-world scenarios
Three trader profiles and their monthly cost.
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Everyday crypto user wanting a card and staking
An investor wants to hold a few major coins, stake some of them, and use a crypto cashback card day to day.
Crypto.com's ecosystem covers this well in one app, though entry-tier trading fees are higher than several regulated peers and support responsiveness is a known weak point.
-
Investor wanting a regulated, well-supported first account
New investor looking for an easy, well-regulated way to start, ideally with responsive support.
Not the best fit: no FINMA licence in Switzerland and a Trustpilot score around 1.5/5. A regulated partner is a calmer place to begin.
Instruments & markets covered
Instruments & markets covered
The catalogue spans more than 250 cryptocurrencies on spot, with staking available across major assets including CRO, ETH, ADA, SOL and DOT. The ecosystem extends well beyond simple spot trading: a Visa card offering cashback in CRO, an NFT marketplace, a non-custodial DeFi wallet for users who want self-custody, and crypto-collateralised lending.
The breadth is real, but so is the flip side. Crypto.com does not offer stocks, ETFs or any traditional securities account, it is crypto and its adjacent products only. And unlike a FINMA-regulated Swiss provider, none of this ecosystem carries investor-compensation protection.
See instruments by class in detail
| Asset class | Count | Examples |
|---|---|---|
| Crypto spot | 250+ | Bitcoin, Ethereum, CRO, Solana, major altcoins |
| Staking | Yes | CRO, ETH, ADA, SOL, DOT and others, variable APY |
| Crypto card | Yes | Visa card, cashback paid in CRO |
| NFT marketplace | Yes | Ethereum and Cronos-based NFTs |
| DeFi wallet | Yes | Non-custodial, self-custody option separate from the exchange |
| Stocks / ETFs | 0 | Not offered (crypto only) |
What Crypto.com offers
Capabilities, in plain terms
Covered, partial or not covered. No spin.
- Crypto spot trading ✓ Yes 250+ coins, entry-tier fees 0.25% maker / 0.50% taker
- Staking ✓ Yes Major assets covered, variable APY
- Crypto card ✓ Yes Visa card, cashback paid in CRO
- NFT marketplace ✓ Yes Ethereum and Cronos-based NFTs
- DeFi wallet (self-custody) ✓ Yes Non-custodial option separate from the main exchange
- Stocks / ETF / securities account ✗ No Crypto only, no traditional securities
- Investor-compensation cover ✗ No Crypto holdings are not protected
- FINMA licence (Switzerland) ✗ No No Swiss authorisation; MFSA (Malta) MiCA/CASP covers EU/EEA only
Trading platforms
Trading platforms
-
Crypto.com App
- Spot trading, staking and card management in one app
- NFT marketplace access
- Price alerts and recurring buys
- Primary interface for most users
-
Crypto.com Exchange (web)
- Advanced order books for spot trading
- VIP tier tracking based on volume or CRO balance
- Charting and order types geared to active traders
Who this broker is for
Who this broker is for
-
Ecosystem-focused crypto user
The investor who wants a card, staking, NFTs and a DeFi wallet under one brand. Crypto.com's breadth is built for this profile.
-
Beginner
The app is approachable, but no Swiss regulatory oversight and a weak support track record on Trustpilot are real considerations for a first-time crypto user.
-
Investor who wants a regulated, well-supported account
Crypto.com holds no FINMA licence in Switzerland, offers no stocks or ETFs, and its Trustpilot record points to recurring support friction. Readers prioritising this should weigh it carefully before opening an account.
Comparison
Crypto.com vs the alternatives
The right choice depends on your profile. Here is how Crypto.com stands against the brokers we feature.
① The HelloBrokers ranking
overall score /5 · click to read the review
The verdict
The verdict
Crypto.com is a large, ecosystem-driven crypto platform: a broad spot catalogue, a well-known cashback card, wide staking coverage, an NFT marketplace and a non-custodial wallet option, run through an MFSA-authorised entity within the EU/EEA. For an investor who wants an all-in-one crypto app and is comfortable with the trade-offs, the breadth is genuinely useful. But it holds no FINMA licence in Switzerland, its entry-tier fees are higher than several regulated peers, and its Trustpilot record, hovering around 1.5/5 on close to 9,000 reviews, points to recurring support and withdrawal friction. For readers who want a regulated account with stronger support responsiveness, our partners Kraken and eToro sit on firmer ground. Our rating reflects a broad, genuinely useful ecosystem, balanced against thin Swiss regulatory standing and a weak customer-support track record.
Our recommended alternatives
Our recommended alternatives
For most retail investors, these partner brokers are a better fit.
-
FCA/FinCEN/BaFin licensed, proof-of-reserves audits, much stronger regulatory standing for a crypto-only platform.
See Kraken → -
CySEC/FCA/ASIC regulated, segregated accounts with Lloyd's insurance, crypto plus stocks and ETFs.
See eToro → -
BaFin-regulated, stocks and ETFs alongside crypto, cleaner support reputation.
See Bitpanda →
Frequently asked questions
FAQ Crypto.com
Is Crypto.com reliable?
Crypto.com is a large global crypto exchange, founded in Singapore in 2016, operating in the EU/EEA through an MFSA (Malta)-authorised entity under MiCA. It has no FINMA licence or authorisation in Switzerland. It offers 250+ coins, staking, a well-known crypto Visa card and an NFT marketplace, but crypto holdings are not covered by any investor-compensation scheme.
Why choose Crypto.com?
For the breadth of its ecosystem: 250+ assets, staking, a widely used cashback card, an NFT marketplace and a non-custodial DeFi wallet option. It suits an investor who wants an all-in-one crypto app rather than someone prioritising Swiss regulatory oversight or customer support responsiveness.
What are the fees at Crypto.com?
Entry-tier spot fees are 0.25% maker / 0.50% taker on 30-day volumes under $10k, falling toward 0.00% maker / around 0.05% taker at the highest VIP tiers based on trading volume or CRO holdings. Crypto deposits are free; withdrawals carry a network fee that varies by coin, and card top-ups carry a fee of around 1%.
Who is Crypto.com for?
An investor who wants a broad, app-centric crypto ecosystem (card, staking, NFT marketplace) and is comfortable trading on a platform with no Swiss regulatory oversight. It is less suited to someone who prioritises responsive customer support or a FINMA-adjacent framework, given the exchange's persistently weak Trustpilot record.
Is it easy to withdraw from Crypto.com?
Crypto withdrawals carry a network fee that varies by coin. Trustpilot reviews frequently cite withdrawal delays and slow support response times as a recurring friction point, which is worth weighing before depositing significant amounts.
Sources
- Official Crypto.com fee schedule — crypto.com, exchange fees and VIP programme, spot from 0.25%/0.50% entry tier, checked 2026
- Malta MFSA CASP authorisation — Foris DAX MT Limited, MFSA (Malta) MiCA/CASP authorisation, 27 January 2025, ESMA register
- Swiss regulatory status — No FINMA licence or authorisation for Crypto.com in Switzerland; AML/KYC standards applied to users
- Trustpilot snapshot — Trustpilot, crypto.com, approx. 1.5/5 on approx. 9,200 reviews, checked 2026
The author of this review
Who wrote this analysis?