Gate.io vs Crypto.com: fees, EU licences and which to choose

Gate.io vs Crypto.com is one of the few exchange comparisons where both sides hold a MiCA licence, and both from the same regulator. Gate serves the EEA through Gate Technology Ltd and Crypto.com through Foris DAX MT Limited, both authorised by the Malta Financial Services Authority, so EU residents in the Netherlands, Germany, Belgium and Ireland can use either.

That makes the choice about cost and convenience. Gate EU charges 0.10% on spot trades and lists 400+ crypto-assets, but doesn’t publish its deposit, withdrawal or card fees. Crypto.com charges more, from 0.25% on its Exchange to 0.8% plus a spread in its app, but publishes its euro fees, offers a prepaid Visa card and answers on 24/7 live chat. We checked every figure below on the exchanges’ official pages on 23 October 2026.

Gate.io vs Crypto.com: the short answer

For EU residents who place their own orders, Gate EU is far cheaper. For beginners who want one app with a card, published fees and live support, Crypto.com is easier, at a price.

• Choose Gate if you trade altcoins on an order book and want low trading fees, and you’re willing to test deposit costs yourself.
• Choose Crypto.com if you want a crypto app with a Visa card and staking, published euro fees and live chat, and you buy on the Crypto.com Exchange rather than in the app to keep costs down.
• Choose neither if you want crypto futures in the EU: Gate EU offers none, and Crypto.com geo-restricts its derivatives in the EEA.

Read our full Gate.io review and Crypto.com review for each exchange on its own.

Gate.io and Crypto.com at a glance

These are the differences that decide the choice for most EU readers. The full facts table above lists the rest.

What matters	Gate EU	Crypto.com in the EEA
EU licence	MiCA, Gate Technology Ltd (MFSA) since 29 September 2025	MiCA, Foris DAX MT Limited (MFSA), notified 27 January 2025
Spot trading fees	0.10% maker / 0.10% taker	Exchange 0.25% / 0.50%; app 0.8% plus spread
Euro deposit by SEPA	Supported; fee not published	Free (minimum €1)
Euro withdrawal	Supported; fee not published	€1.00 (minimum €80)
Crypto-assets	400+ (roughly 420 to 440 markets)	400+
Crypto derivatives	None	Geo-restricted in the EEA
Card	Gate Card; fees not published	Prepaid Visa via an e-money institution
Support	Not published on the pages we checked	24/7 live chat

Are Gate and Crypto.com licensed where you live?

Yes, in every EEA country. Since 1 July 2026 only MiCA-authorised firms may provide crypto-asset services in the EU, and both exchanges are in ESMA’s register.

Gate EU: Gate Technology Ltd in Malta

Gate Technology Ltd (company number C 89337, licence GTEC-25238) was authorised as a crypto-asset service provider by the Malta Financial Services Authority on 29 September 2025; France’s AMF lists 30 September 2025. The licence covers custody services, operating a trading platform, exchange, order execution and transfer services, and is passported to the other EEA states. Gate Technology also holds an MFSA Financial Institution licence (GTEC-25926) for payment services involving e-money tokens, and Gate EU’s homepage describes itself as “MiCA&PSD2 Licensed”.

EU residents can’t use Gate’s global platform: its user agreement lists the Netherlands, Germany, France, Spain, Austria and Malta among restricted jurisdictions. The route is Gate EU at gate.com/en-eu, with a smaller product range built for MiCA.

Crypto.com: Foris DAX MT Limited in Malta

Foris DAX MT Limited (C 88392) holds Crypto.com’s MiCA authorisation, notified in ESMA’s register on 27 January 2025 for custody, exchange, order execution, reception and transmission of orders, and transfer services, passported to all other EEA countries. A second Maltese company, Foris MT Limited, is an electronic money institution that runs the euro account and the Visa card. Foris Capital CY Limited holds a MiFID II licence from CySEC in Cyprus, obtained in May 2025.

One limit to know: Crypto.com states that its Earn and staking products are not regulated under MiCA. The licence covers buying, holding and sending crypto, not every reward product in the app.

Supported regions outside the EU

Crypto.com reaches more countries. UK users are served by Foris DAX UK Limited, registered with the FCA since August 2022, and US users by separate US entities. Gate isn’t available in the UK. In the US, Gate’s global platform is restricted, and US residents are served by a separate company, Gate US, Inc., which lists state money transmitter licences on its site and which we haven’t reviewed.

Gate.io vs Crypto.com fees

Gate EU is cheaper to trade on, Crypto.com is clearer about everything around the trade. Gate charges 0.10% per spot trade; Crypto.com charges 0.25% to 0.50% on its Exchange and 0.8% plus a spread in its app, but publishes free SEPA deposits and €1.00 withdrawals.

Spot trading fees: maker and taker

Gate EU charges 0.10% maker and 0.10% taker at VIP 0. VIP tiers 1 to 16, based on trading volume, cut that to as little as 0% maker and 0.02% taker for high volume traders.

Crypto.com Exchange starts at 0.25% maker and 0.50% taker. Its volume tiers go down to, for example, 0.08% maker and 0.18% taker from $500,000 of 30-day volume, and a CRO balance of 50,000 or more gives 0% maker fees and 12% off taker fees. For someone investing €100 to €1,000 at a time, those tiers are out of reach.

The Crypto.com App versus the Exchange

The Crypto.com App and the Crypto.com Exchange are separate products with different pricing. In the app you tap buy, see a quote and pay a 0.8% trading fee plus a possible spread. On the Exchange you place maker or taker orders on an order book. A Level Up subscription from €3.99 a month advertises zero app trading fees; at 0.8%, it only pays for itself above about €500 of app buys a month (€3.99 ÷ 0.8% = €498.75).

Gate EU has a similar split. Its convert feature, advertised with “no fees and no slippage”, builds the cost into the quoted price, and Gate doesn’t publish that spread. Compare the convert price with the spot order book before you swap larger amounts.

Worked example: €100 and €1,000 buys

Here is what a buy costs with euros you’ve already deposited, using the published fees as trade size × fee rate.

You buy	Gate EU spot (0.10%)	Crypto.com Exchange, limit (0.25%)	Crypto.com Exchange, market (0.50%)	Crypto.com App (0.8%)
€100	€0.10	€0.25	€0.50	€0.80 + spread
€1,000	€1.00	€2.50	€5.00	€8.00 + spread
€100 a month for a year	€1.20	€3.00	€6.00	€9.60 + spreads

On a €1,000 market buy, Gate EU costs €4.00 less than Crypto.com Exchange and at least €7.00 less than the Crypto.com App. Paying by card in the Crypto.com App is the most expensive route: up to 4%, so up to €4.00 on €100 and €40.00 on €1,000.

Withdrawal fees and deposit costs

Crypto.com publishes its fiat costs. SEPA bank transfer deposits are free with a €1 minimum, card deposits cost 3.99%, and a SEPA withdrawal costs €1.00 with an €80 minimum. To withdraw bitcoin, it charges 0.0002 BTC below 0.002 BTC and 0.0004 BTC from 0.002 BTC.

Gate EU supports euro deposits by SEPA bank transfer, card purchases and on-chain crypto deposits, but its deposit page shows no fee, and we found no published SEPA withdrawal fee, card purchase fee or crypto withdrawal fees. That doesn’t mean they are free; it means you can’t check them in advance. Make a small test deposit first and read the fee on the confirmation screen before every withdrawal request. Our Gate fees page and Crypto.com fees page track what we can confirm.

A full round trip

Say you deposit €1,000 by SEPA, buy bitcoin with a market order, later sell €1,000 worth and withdraw the euros.

• Crypto.com Exchange: €0 deposit + €5.00 buy + €5.00 sell + €1.00 withdrawal = €11.00.
• Crypto.com App: €0 deposit + €8.00 buy + €8.00 sell + €1.00 withdrawal = €17.00 plus two spreads.
• Gate EU: €1.00 buy + €1.00 sell = €2.00 plus unpublished deposit and withdrawal fees.

Even if Gate charged a few euros to withdraw, it would still be cheaper on this trip. The difference is that you can calculate Crypto.com’s total in advance.

Trading features and the full range of products

Neither exchange offers crypto futures to EU residents. Gate EU is a spot exchange with convert, staking, OTC trading and a card; Crypto.com adds an app, a Visa card, staking and tokenised US stocks and ETFs.

Supported cryptocurrencies and liquidity

Both list 400+ crypto-assets for EU users. Gate EU’s markets page shows roughly 420 to 440 markets with EUR and USDC pairs, while Gate’s global platform advertises 5,400+ coins that EU residents can’t trade. Crypto.com lists 400+ coins.

Count isn’t everything. On small tokens, thin trading volume means a market order can fill at a worse price than you expected. Major pairs such as BTC/EUR are a different market from a token that trades a few thousand euros a day, so use limit orders on smaller coins.

Futures trading, margin trading and derivatives

There is no derivatives trading for EU residents on either. Gate EU’s user agreement leaves derivatives and margin out of the EU offer; futures and margin exist only on Gate’s global platform. Crypto.com Exchange derivatives, such as perpetual contracts, are geo-restricted in all EEA countries, according to a help page dated 7 May 2025.

If you want regulated crypto futures in the EU, Kraken and OKX Europe offer them under MiFID II rules. Most retail traders lose money with leveraged products, so treat that as a tool for experienced traders only.

Trading bots and copy trading

Gate EU offers no copy trading, and trading bots aren’t among the services its user agreement describes. Crypto.com offers no copy trading either; we didn’t check its bot features. Automation doesn’t remove market risk: a bot or a copied trader can lose money as fast as you can.

Staking and Earn

Both offer staking. Gate EU says you can “stake cryptos to earn in PoS products”; we haven’t checked its terms or reward rates. Crypto.com offers staking and Earn in its app, and states that these products are not regulated under MiCA. Staking on any exchange adds platform risk: your coins sit with the company while they earn, and rewards can change or stop.

Tokenised stocks on Crypto.com

Since 12 August 2026, EEA users of Crypto.com can trade tokenised US stocks and ETFs. These are derivative instruments issued by Foris Capital CY Limited: you hold a contract that tracks the share, not the share itself. Gate EU offers nothing similar.

Buying crypto: choose payment method first

Choose your payment method before you buy, because a card costs far more than a bank transfer. On Crypto.com a SEPA deposit is free and a card deposit costs 3.99%; on Gate EU both routes are available, but neither fee is published.

Gate EU says you can “buy and sell crypto with Debit/Credit card, Apple Pay, Google Pay and more”, and accepts on-chain crypto deposits from another wallet or exchange. Crypto.com accepts EUR by SEPA, credit or debit card, Apple Pay and Google Pay, with card routes at 3.99% when you deposit and up to 4% when you buy directly in the app.

Gate Card and the Crypto.com Visa card

Crypto.com’s prepaid Visa card is issued through Foris MT Limited, a Maltese e-money institution, and you top it up from the app. The Gate Card appears in Gate EU’s menu, but we found no published card fees or terms. If spending crypto with a card is your main goal, Crypto.com is the documented option.

Security, proof of reserves and track record

Both hold the same type of licence from the same regulator. Gate’s proof-of-reserves audit is more recent; Crypto.com publishes more about account protection but has more incidents on its record.

Proof of reserves

Gate employs zero knowledge technology for its proof of reserves: a Merkle tree combined with zk-SNARKs lets you independently verify that your balance is included without exposing other users’ balances. Hacken audited the implementation in January 2024. We couldn’t load a current total reserves figure or reserve ratio, so we don’t quote one.

Crypto.com shows a Mazars-verified proof of reserves with a Merkle-tree check, based on a snapshot of 7 December 2022, and no newer attestation on that page. It states that client crypto is held 1:1 in reserve with access controls on cold and hot wallets, without publishing a cold-storage percentage.

Proof of reserves shows that user assets were covered at one moment. It doesn’t show a company’s other debts, and it isn’t insurance.

Account protection

Crypto.com’s Account Protection Programme offers up to $250,000 of cover against unauthorised transactions, under its own conditions. Gate publishes no insurance fund figure. On either exchange, turn on multi-factor authentication with an authenticator app rather than SMS verification where you can, use a withdrawal allowlist, and treat any message asking for your login codes as a phishing scam.

Incidents and regulatory history

Crypto.com’s record is longer and better documented:

Year	What happened
2022	Attackers bypassed 2FA on 483 accounts and withdrew about $34 million; Crypto.com said affected users were reimbursed.
2023	DNB fined Foris DAX MT Limited €2.85 million for serving Dutch customers without registration from May 2020 to November 2022; Crypto.com appealed.
2023	A phishing attack on an employee exposed limited personal data of a small number of users; Crypto.com said regulators were notified and no funds were at risk.
2025	The US SEC closed its investigation without enforcement action in March 2025.

We found no fines or security incidents involving Gate EU in the sources we checked. We couldn’t verify Gate’s older history from primary sources, so we don’t call its record clean. Gate says it was founded in 2013 and passed 60 million users worldwide in September 2026; Crypto.com was founded in 2016.

Customer support and app experience

Crypto.com offers 24/7 live chat in the app and at chat.crypto.com, plus a help centre. We found no published support channels for Gate EU on the pages we checked, and we haven’t tested either exchange’s customer support ourselves. Public review sites such as Trustpilot carry complaints about Gate deposits held for days and account reviews by risk control; we can’t verify individual cases.

Gate EU’s homepage shows a QR code to download the Gate app, but we haven’t verified that every app feature works for Gate EU accounts. Crypto.com is built app-first, which suits new users; Gate’s order book suits advanced traders who already know limit orders.

How to open and fund an account

Both exchanges require KYC verification before you can trade. Gate EU requires customer due diligence with identity documents and a minimum age of 18; Crypto.com requires standard identity verification before you can deposit.

Who should choose Gate and who should choose Crypto.com

Both can serve you in the EU, so choose by how you buy.

Choose Gate if

• you trade altcoins actively and want 0.10% spot fees;
• you’re comfortable with an order book and limit orders;
• you accept that deposit and withdrawal fees aren’t published.

Choose Crypto.com if

• you want one app for buying, staking and a prepaid Visa card;
• you want published euro fees and 24/7 live chat;
• you’ll place larger buys on the Crypto.com Exchange, not in the app.

Choose neither if

• you want crypto futures in the EU;
• you buy €50 to €100 at a time and want both low fees and published fiat costs; a cheaper euro exchange may fit better.

Other crypto exchanges to compare

If neither fits, compare Gate with an Irish-licensed exchange that publishes its fiat fees and offers EU futures in Kraken vs Gate.io, or Crypto.com with a lower-fee trading platform in OKX vs Crypto.com. Our best exchanges for altcoins ranks only licensed options.

How we built this Gate.io vs Crypto.com comparison

We’re an editorial team, and we didn’t open accounts for this comparison. On 23 October 2026 we checked both exchanges’ fee pages, licence pages, deposit pages, user agreements and proof-of-reserves pages, plus ESMA’s MiCA register (update of 22 October 2026) and regulator notices. Figures that change often carry that date. Our scoring follows our methodology. Nothing here is investment advice; crypto-assets are subject to extreme volatility and can lose all their value.