Crypto.com Fees Explained: Complete 2025 Guide
Complete breakdown of Crypto.com trading fees, deposit fees, and withdrawal costs. Learn about CRO staking benefits and card cashback.
Fee Overview
Trading Fees
Volume discounts available
Stake CRO for up to 100% fee discount
Futures Fees
Deposit Fees
- Crypto Deposit Free
- Bank Transfer (ACH) Free
- Credit/Debit Card 2.99%
Withdrawal Fees
- Bitcoin (BTC) 0.0004 BTC
- Ethereum (ETH) 0.008 ETH
- USDT 0.1 USDT
Fee Examples
See how much you'd pay in fees at different trade sizes:
| Trade Amount | Maker Fee | Taker Fee |
|---|---|---|
| $100 | $0.07 | $0.07 |
| $1,000 | $0.75 | $0.75 |
| $10,000 | $7.50 | $7.50 |
* Maker orders add liquidity (limit orders). Taker orders remove liquidity (market orders).
Crypto.com Fee Structure Overview
Crypto.com offers a unique fee structure where CRO staking dramatically reduces trading costs. With adequate CRO stake, you can achieve 0% trading fees - making it potentially the cheapest exchange available.
The Crypto.com Ecosystem Approach
My experience with Crypto.com:
- Low base fees - 0.075% maker/taker
- CRO staking rewards - Up to 100% fee discount
- Visa card integration - Cashback on spending
- Cronos chain - Cheap native withdrawals
- DeFi integration - Connected ecosystem
Spot Trading Fees
Crypto.com Exchange fees with CRO stake:
| CRO Stake | 30-Day Volume | Maker Fee | Taker Fee |
|---|---|---|---|
| 0 CRO | Any | 0.075% | 0.075% |
| 1,000 CRO | Any | 0.068% | 0.068% |
| 5,000 CRO | Any | 0.053% | 0.053% |
| 10,000 CRO | Any | 0.045% | 0.045% |
| 50,000 CRO | Any | 0.038% | 0.038% |
| 100,000 CRO | Any | 0.030% | 0.030% |
| 1M CRO | Any | 0.015% | 0.015% |
| 5M CRO | Any | 0.000% | 0.000% |
Key insight: With 5M CRO stake (~$500K+ depending on CRO price), you can trade with 0% fees.
App vs Exchange
Important distinction:
Crypto.com App:
- Spread markup: ~1-2%
- Convenient for small purchases
- Linked to Visa card
Crypto.com Exchange:
- Maker/taker fees: 0.075%
- For active trading
- Better rates
Always use the Exchange for trading. The App is for convenience and card top-ups.
CRO Staking Strategy
The CRO stake system benefits:
- Fee discounts - As shown above
- Card tier access - Higher cashback
- Earn rate boost - Better APY on deposits
- DeFi rewards - Cronos ecosystem benefits
My approach: I stake enough CRO for my desired card tier, which also gives trading discounts.
Derivatives Fees
Crypto.com Derivatives (where available):
| CRO Stake | Maker Fee | Taker Fee |
|---|---|---|
| 0 CRO | 0.017% | 0.043% |
| With stake | Up to 50% off | Up to 50% off |
Futures fees are competitive, especially with CRO stake.
Visa Card Benefits
The Crypto.com Visa cards offer:
| Card Tier | CRO Stake | Cashback | Perks |
|---|---|---|---|
| Midnight Blue | $0 | 1% | Basic |
| Ruby Steel | $400 | 2% | Spotify |
| Royal Indigo | $4,000 | 3% | Netflix, Spotify |
| Icy White | $40,000 | 5% | Lounges, Netflix, Spotify |
| Obsidian | $400,000 | 8% | Premium everything |
Card cashback is paid in CRO and adds significant value.
Deposit Methods
| Method | Fee | Time | Notes |
|---|---|---|---|
| Bank (ACH/SEPA) | Free | 1-3 days | Recommended |
| Card | 2.99% | Instant | Avoid if possible |
| Crypto | Free | Network | Standard |
| Crypto.com Pay | Free | Instant | Within ecosystem |
Free bank transfers make Crypto.com attractive for fiat deposits.
Withdrawal Fees
Crypto.com withdrawal costs vary significantly:
| Asset | Network | Fee | Notes |
|---|---|---|---|
| BTC | Bitcoin | 0.0004 BTC | Standard |
| ETH | Ethereum | 0.008 ETH | Higher than average |
| ETH | Cronos | 0.0002 ETH | Much cheaper |
| USDT | Cronos | 0.1 USDT | Very cheap |
| CRO | Cronos | 0.001 CRO | Essentially free |
| USD | Bank | Free | Great for fiat |
Always use Cronos for cheap withdrawals when destination supports it.
Crypto Earn Fees
For Crypto Earn deposits:
- Platform fee: None (full APY to user)
- CRO stake bonus: +2% APY with higher tiers
- Lock periods: Flexible, 1-month, 3-month
Fee Comparison
| Exchange | Base Maker | With Token | Bank Deposit |
|---|---|---|---|
| Crypto.com | 0.075% | 0%* | Free |
| Binance | 0.10% | 0.075% | Free |
| Coinbase | 0.40% | N/A | Free |
*With maximum CRO stake
Crypto.com offers the lowest potential fees with adequate CRO stake.
How to Minimize Crypto.com Fees
My optimization strategies:
- Stake CRO - Every level helps
- Use Exchange, not App - Huge fee difference
- Deposit via bank - Avoid 2.99% card fee
- Withdraw via Cronos - Cheapest network
- Get Visa card - Cashback offsets costs
Is CRO Staking Worth It?
Calculate your break-even:
- Trading volume per month: $X
- Fee savings at tier: Y%
- Monthly savings: X × Y
- CRO stake required: $Z
If monthly savings × 12 months > CRO stake opportunity cost, it’s worth it.
Who Should Use Crypto.com?
Crypto.com fees work best for:
- CRO believers - Stake benefits compound
- Card users - Cashback adds value
- Cronos DeFi users - Ecosystem benefits
- High-volume traders - 0% fees possible
- Fiat depositors - Free bank transfers
Final Verdict
Crypto.com’s fee structure is unique - high potential savings but requires CRO stake commitment. At base level (0.075%), it’s already competitive. With adequate stake, you can achieve the lowest fees in the industry.
For those willing to stake CRO, Crypto.com offers exceptional value. For those who aren’t, other exchanges may be simpler.
Deposit Methods & Fees
| Method | Fee | Processing Time |
|---|---|---|
| Crypto Deposit | Free | Network confirmation |
| Bank Transfer (ACH) | Free | 1-3 business days |
| Credit/Debit Card | 2.99% | Instant |
| Crypto.com Pay | Free | Instant |
Withdrawal Fees
| Asset | Network | Fee |
|---|---|---|
| Bitcoin (BTC) | Bitcoin | 0.0004 BTC |
| Ethereum (ETH) | Ethereum | 0.008 ETH |
| USDT | Cronos | 0.1 USDT |
| CRO | Cronos | 0.001 CRO |
| USD | Bank | Free |
Ready to Trade on Crypto.com?
Start trading with competitive fees today.