Crypto.com fees 2026: app, Exchange and card fees in Europe
Crypto.com fees for EU users: the app charges 0.8% plus a spread, the Exchange 0.25%/0.50%, and card buys up to 4%. Worked euro examples and cheaper routes.
Crypto.com fees depend on which product you use on the platform. The Crypto.com App charges 0.8% on every buy, sell or convert plus a spread it doesn’t publish; the Crypto.com Exchange charges 0.25% maker and 0.50% taker at the entry tier; and buying with a debit or credit card in the app costs up to 4%. SEPA deposits are free and a euro withdrawal costs €1.00. We checked every figure on Crypto.com’s EEA fees and limits pages on 23 October 2026.
Crypto.com fees in 30 seconds
The cheapest way to buy on Crypto.com is to deposit euros by SEPA and trade on the Exchange; the most expensive is a card purchase in the app. The same €1,000 buy costs €5.00 as a market order on the Exchange, €2.50 as a limit order, and at least €8.00 in the app.
| Cost | Crypto.com in the EEA (checked 23 October 2026) |
|---|---|
| App buy, sell or convert | 0.8% plus a possible spread |
| App purchase by debit or credit card | Up to 4% |
| Exchange spot fees (entry tier) | 0.25% maker / 0.50% taker |
| Exchange volume tiers | For example 0.08% / 0.18% from $500,000 of 30-day volume |
| CRO discount on the Exchange | 50,000+ CRO: 0% maker and 12% off taker |
| Level Up subscription | From €3.99 a month; advertises zero app trading fees |
| SEPA deposit | Free (minimum €1) |
| Card deposit (EUR card, Apple Pay, Google Pay) | 3.99% |
| SEPA withdrawal | €1.00 (minimum €80) |
| BTC withdrawal | 0.0002 BTC below 0.002 BTC; 0.0004 BTC from 0.002 BTC |
| Derivatives | Geo-restricted for EEA users |
The main catch: the app’s spread isn’t published, so users can’t work out the full cost of an app buy in advance.
Crypto.com in the EU: licence, app fee and exchange fees
Crypto.com is licensed in the EU. Foris DAX MT Limited holds a MiCA authorisation from the MFSA in Malta for custody, exchange, order execution and transfer services, notified on 27 January 2025 and passported to the Netherlands, Germany, Belgium, Ireland and the rest of the EEA. The euro account and the prepaid Visa card run through a separate Maltese e-money institution, Foris MT Limited. The platform lists 400+ crypto assets and supports several fiat currencies, including EUR, GBP and USD; US users are served by US entities with their own fee schedule, so fees vary depending on where you live.
For fees, the key fact is that the Crypto.com App and the Crypto.com Exchange are separate products with different fee structures. The app quotes a price with a 0.8% fee and a spread built in; the Exchange is an order-book cryptocurrency exchange with maker and taker fees. Many users only ever see the app and pay the higher price. Crypto.com also states that its Earn and staking products are not regulated under MiCA. Our Crypto.com review covers the licence and track record, including a €2.85 million Dutch fine that Crypto.com appealed.
Crypto.com app fees: 0.8% plus the spread
For users who trade cryptocurrencies in the app, the Crypto.com App charges a 0.8% trading fee on buys, sells and converts under the EEA schedule, plus a possible spread: the gap between the price you pay and the market price. Crypto.com doesn’t publish the size of that spread, so the 0.8% is the minimum cost of an app trade, not the full cost.
Card purchases in the app
Buying crypto with a credit or debit card costs up to 4%, so up to €4.00 on a €100 purchase. A card deposit (EUR credit or debit card, Apple Pay or Google Pay) costs 3.99%. Your card issuer may add its own charges, such as a foreign transaction fee if the card isn’t in euros.
Is Level Up worth it for fee reductions?
Level Up, Crypto.com’s subscription, starts at €3.99 a month and advertises zero fees on app trades. At 0.8%, you need to buy about €500 a month in the app (€3.99 ÷ 0.8% = €498.75) before the subscription pays for itself. At €100 a month, you would pay €47.88 a year in subscription fees to save €9.60 in trading fees. Whether the spread changes with a subscription isn’t published.
Crypto.com Exchange fees: the maker-taker model
The Crypto.com Exchange is the platform’s order-book cryptocurrency exchange. Its maker fees are 0.25% and its taker fee is 0.50% at the entry tier. A limit order that waits in the order book pays the maker fee; a market order that fills straight away pays the taker fee, so limit orders halve your trading fee.
| Trade on the Exchange | Maker (limit order) | Taker (market order) |
|---|---|---|
| €100 | €0.25 | €0.50 |
| €500 | €1.25 | €2.50 |
| €1,000 | €2.50 | €5.00 |
Trading fee discounts: volume tiers and CRO tokens
Exchange fees fall with your 30-day trading volume, so active traders get reduced fees and lower fees per trade: for example 0.08% maker fees and a 0.18% taker fee from $500,000 of volume. Holding 50,000 CRO or more gives 0% maker fees and 12% off taker fees. For someone investing €100 to €1,000 at a time, those trading fee benefits are out of reach: the 0.25% and 0.50% entry rates are what you’ll pay. CRO is a volatile token, and buying more CRO just for discounted fees puts your money at price risk.
Deposit and withdrawal fees
A SEPA bank transfer is the cheapest way to move funds in and out of Crypto.com: deposits are free, withdrawals cost €1.00. Card deposits cost 3.99%, and crypto withdrawal fees vary depending on the coin and the amount. If you fund your account with crypto deposits from another exchange, that exchange’s withdrawal fee applies on the way in.
| Transaction | Fee |
|---|---|
| SEPA deposit in euros | Free (minimum €1) |
| Card deposit (EUR credit or debit card, Apple Pay, Google Pay) | 3.99% |
| SEPA withdrawal in euros | €1.00 (minimum €80) |
| BTC withdrawal to an external wallet | 0.0002 BTC below 0.002 BTC; 0.0004 BTC from 0.002 BTC |
Bank transfer costs and minimums
The €80 minimum on SEPA withdrawals means you can’t take small balances back to your bank account in one go. Your own bank may also charge for transfers, so check its price list.
Crypto withdrawal fees and network fees
The bitcoin withdrawal fee hits small amounts hard. Withdrawing 0.001 BTC costs 0.0002 BTC, a fifth of the amount. Withdrawing exactly 0.002 BTC costs 0.0004 BTC, also a fifth, so if you move coins to your own crypto wallet, collect a clearly larger amount first. Additional fees apply to other coins: the fee depends on the network, and on networks such as Ethereum it includes gas fees that change with traffic. The final fee shows before you confirm, and gas fees are paid to the network, not to Crypto.com.
Crypto.com card fees
“Crypto.com card fees” can mean two different things: the cost of buying crypto with a card, and the fees on Crypto.com’s own prepaid Visa card.
- Buying crypto with a debit card or credit card: up to 4% in the app, or 3.99% to deposit by card.
- The Crypto.com Visa card: a prepaid card, not a credit card. You top it up and spend the balance. For EEA users it is issued by Foris MT Limited. Topping up from crypto means selling that crypto, which can matter for your tax return.
Card tiers, ATM withdrawals and the foreign transaction fee
The card tiers depend on your Level Up plan, from €3.99 a month, and card rewards are paid in CRO, whose value in euros rises and falls. We haven’t verified the card’s monthly free ATM limit, its fees for ATM withdrawals above that limit, its top-up fees or its foreign transaction fee, so we don’t quote them. Check Crypto.com’s card fees and limits page for your country before you apply, and remember that ATM operators can charge their own fees.
Worked examples in euros
Here is what Crypto.com fees add up to for realistic amounts, using euros deposited by SEPA and the published EEA fees.
| Scenario | Crypto.com App | Crypto.com Exchange |
|---|---|---|
| €100 simple buy | €100 × 0.8% = €0.80, plus spread | €0.50 (market) or €0.25 (limit) |
| €100 buy by card in the app | Up to €4.00 (up to 4%) | Not applicable |
| €1,000 order | €1,000 × 0.8% = €8.00, plus spread (instant buy) | €1,000 × 0.25% = €2.50 (limit order) |
| €100 a month for a year | 12 × €0.80 = €9.60, plus spreads | 12 × €0.50 = €6.00 (market) or €3.00 (limit) |
| €100 a month with Level Up | 12 × €3.99 = €47.88 in subscription fees | Not applicable |
| Round trip: €1,000 in by SEPA, buy, sell, out by SEPA | €0 + €8.00 + €8.00 + €1.00 = €17.00, plus spreads | €0 + €5.00 + €5.00 + €1.00 = €11.00 (market orders) |
Over a year of €100 monthly buys, the app costs at least €3.60 more than market orders on the Exchange and €6.60 more than limit orders, before the spread. On a €1,000 round trip, the Exchange saves at least €6.00.
Other Crypto.com fees and limits
A few other costs and limits are worth knowing before you trade.
- Margin trading and derivatives: Crypto.com Exchange derivatives are geo-restricted in all EEA countries, so EU users can’t trade crypto futures there. Leveraged products, where you trade by borrowing funds, are high-risk: most retail traders lose money with them.
- Tokenised US stocks and ETFs: since 12 August 2026, EEA users can trade tokenised stocks and ETFs, which are derivatives issued by the CySEC-regulated Foris Capital CY Limited. We haven’t checked their fees.
- Staking: Crypto.com states that Earn and staking are not regulated under MiCA. We haven’t verified its staking commission.
- Minimums: €1 for a SEPA deposit, €80 for a SEPA withdrawal.
How to pay less on Crypto.com
The cheapest route through Crypto.com is SEPA in, a limit order on the Exchange, and few withdrawals.
- Deposit by SEPA bank transfer. It is free; a card deposit costs 3.99%.
- Buy on the Exchange, not in the app. 0.25% or 0.50% instead of 0.8% plus spread.
- Use limit orders. The maker fee (0.25%) is half the taker fee (0.50%).
- Skip Level Up unless you buy €500 a month or more in the app. Below that, the subscription costs more than it saves.
- Withdraw crypto in larger amounts. A fixed fee of 0.0002 or 0.0004 BTC weighs heavily on small withdrawals to an external wallet.
- Protect the account. Turn on multi factor authentication, so the funds you save on fees stay yours.
Crypto.com fees compared with other crypto exchanges
Crypto.com’s Exchange is mid-priced among MiCA-licensed crypto exchanges, and its app is one of the more expensive ways to buy. Every platform has a different fee structure, so compare the same transactions. Here is how a €100 market buy compares, using each exchange’s published entry-tier fees (checked 23 October 2026).
| Exchange | Simple buy | Order book (maker / taker) | SEPA deposit | SEPA withdrawal | €100 market buy on the order book |
|---|---|---|---|---|---|
| Crypto.com | App: 0.8% plus spread | 0.25% / 0.50% | Free | €1.00 | €0.50 |
| Bitvavo | Price Guarantee: spread not published | 0.15% / 0.25% | Free | Free | €0.25 |
| Kraken | App: 1% plus spread | 0.40% / 0.80% | Free | €1 | €0.80 |
| Coinbase | Spread plus a fee shown in the preview | 0.60% / 1.20% (Advanced, entry tier) | Free | Free | €1.20 |
- Bitvavo is the cheaper choice for small euro buys: 0.25% taker, free SEPA both ways, and iDEAL in the Netherlands. It has no card product like Crypto.com’s.
- Kraken charges more on its order book (0.80% taker), but its app fee (1% plus spread) is in the same range as Crypto.com’s app. See our Kraken vs Crypto.com comparison.
- Coinbase Advanced costs 1.20% taker at the entry tier, according to a third-party copy of its in-app fee table, which may differ for EU accounts. See Coinbase vs Crypto.com.
Who Crypto.com’s fees suit
Crypto.com suits mobile-first users who want crypto, a prepaid Visa card and staking in one app, and who are willing to use the Exchange for their buys. Crypto.com says it holds all client crypto 1:1 in reserve across cold storage and hot wallets, but it publishes no cold-storage percentage. It is a poor fit for people who buy small amounts in the app every week, or who make frequent small withdrawals to an external wallet, because the 0.8% fee, the spread and fixed withdrawal fees all add up. To compare it with other top cryptocurrency exchanges licensed in the EU, see our guide to crypto exchange fees. Crypto-assets are volatile, and you can lose all the money you invest.
Questions people ask
Does Crypto.com charge high fees?
It depends on where you buy. The Crypto.com App charges 0.8% plus a spread on every buy, sell or convert, which is high next to the Crypto.com Exchange at 0.25% maker and 0.50% taker. Buying with a debit or credit card in the app costs up to 4%.
Why does Crypto.com charge so much in the app?
App buys carry a 0.8% trading fee plus a spread built into the price, and Crypto.com doesn't publish the size of that spread. Card purchases add up to 4%, so a €100 card buy can cost up to €4.00.
How do I avoid fees on Crypto.com?
Deposit euros by SEPA (free), then buy on the Crypto.com Exchange with a limit order at 0.25% instead of using the app at 0.8% plus spread. Avoid card purchases and withdraw crypto in fewer, larger amounts.
What are the Crypto.com card fees?
Buying crypto with a debit or credit card costs up to 4% in the app, and a card deposit costs 3.99%. For the prepaid Visa card itself, we haven't verified the ATM, top-up or foreign transaction fees, so check Crypto.com's card fees and limits page before you apply.
Is the Crypto.com Exchange cheaper than the app?
Yes. A €1,000 market buy costs €5.00 on the Exchange (0.50%) and €8.00 plus a spread in the app (0.8%). With a limit order on the Exchange it costs €2.50.
Does Crypto.com charge for euro withdrawals?
Yes. A SEPA withdrawal to your bank account costs €1.00, with a minimum withdrawal of €80. SEPA deposits are free, with a minimum of €1.