Full Review
Where Crypto.com Shines
Selection
With over 350 cryptocurrencies on its exchange, Crypto.com offers one of the largest selections among major platforms. This diversity caters to both novice and experienced traders looking for niche altcoins or mainstream assets like Bitcoin and Ethereum.
Low Fees with Fiat Deposits
Funding your account via ACH bank transfers eliminates trading and transaction fees entirely—a rare advantage in the crypto space. This makes Crypto.com ideal for cost-conscious investors trading in USD.
Where Crypto.com Falls Short
High Withdrawal Fees
Bitcoin withdrawals incur a 0.006 BTC fee (≈$35 in late 2024), with a 0.001 BTC minimum—significantly steeper than competitors. These costs make frequent off-platform transfers impractical for small-scale traders.
Limited U.S. Availability
U.S. users can only access services via mobile apps, excluding desktop trading. Margin trading remains unavailable domestically, and New York residents are barred entirely due to regulatory restrictions.
Who Should Use Crypto.com?
- Mobile-first traders preferring app-based interfaces
- Fiat-to-crypto investors leveraging fee-free ACH deposits
- DeFi enthusiasts exploring emerging tokens
Platform Overview
| Feature | Details |
|---|---|
| Fees | 0% trading with ACH; 2.99% for card purchases |
| Minimum Trade | ~$1 equivalent in BTC |
| Cryptocurrencies | 350+ |
| Staking Rewards | Up to 14.44% APY on 29 coins |
| Customer Support | Chat-only (rated 2/5 stars) |
Key Ratings Breakdown
Trading Fees: ★★★★★
ACH-funded trades are free—best-in-class for USD transactions. Card purchases carry standard industry fees.
Asset Diversity: ★★★★★
350+ coins surpass most U.S. exchanges, though pairs aren’t publicly listed.
Mobile App: ★★★★★
iOS/Android apps with intuitive UX compensate for lack of desktop access.
Withdrawal Costs: ★★☆☆☆
Prohibitive BTC fees make frequent external transfers impractical.
Unique Features
Cronos Ecosystem
Staking CRO tokens unlocks premium Visa cards with enhanced cashback and staking rewards—blending crypto and traditional finance.
NFT Marketplace
A curated platform for buying/selling nonfungible tokens, including digital art and collectibles.
Is Crypto.com Right for You?
👉 Discover how Crypto.com stacks against top exchanges
Opt for Crypto.com if you:
- Prioritize mobile access
- Trade primarily with fiat currency
- Value diverse coin offerings despite higher withdrawal costs
Avoid if you:
- Need desktop/margin trading
- Reside in New York
- Frequently transfer small crypto amounts
FAQ
Q: Can U.S. users trade on Crypto.com’s desktop platform?
A: No—U.S. services are mobile-app exclusive.
Q: What’s the cheapest way to fund my account?
A: ACH transfers offer zero fees, unlike credit/debit cards (2.99%).
Q: Does Crypto.com support staking?
A: Yes, with APY up to 14.44% on 29 coins.
👉 Compare staking rewards across platforms
Q: Why are withdrawal fees so high?
A: Network costs and platform policies result in above-average BTC fees.
Methodology
NerdWallet’s ratings assess 10+ factors via provider questionnaires, hands-on testing, and expert analysis. Criteria include fees, asset diversity, and regulatory compliance. Read our full evaluation framework here.