Crypto.com review: fees, card and MiCA licence in Europe

Crypto.com is a licensed and convenient way for people in Europe to buy crypto and spend it with a prepaid Visa card, but its app is an expensive place to buy. Our verdict is “turn here”: use it if you want the card and the app in one place, and place larger buys on the Crypto.com Exchange, where fees are lower.

This Crypto.com review is written for EU residents and was checked against Crypto.com’s own fee pages, the ESMA MiCA register and regulator notices on 23 October 2026. We haven’t run test accounts, so you won’t find invented screenshots or support chats here. We read the documents so you don’t have to.

Crypto.com review at a glance

Crypto.com is licensed under MiCA, offers 400+ coins and a prepaid Visa card, and charges 0.8% plus a spread for app buys. The table below sums up what matters most for a reader in the Netherlands, Germany, Belgium or Ireland.

	Crypto.com in Europe
Licence for EU residents	MiCA, via Foris DAX MT Limited (MFSA, Malta)
App buy fee	0.8% plus a possible spread
Exchange fees (entry tier)	0.25% maker, 0.50% taker
Euro deposit	SEPA free; card 3.99%
Euro withdrawal	€1.00 by SEPA (minimum €80)
Coins	400+
Crypto derivatives	Blocked for EEA users
Card	Prepaid Visa, issued in Malta
Track record	€2.85 million DNB fine (2023), $34 million hack (2022)

The main upside is one regulated app for buying, staking and spending. The main catch sits right next to it: the app’s pricing. A crypto user who buys €100 every month pays noticeably more in the app than on the Exchange or at a cheaper euro exchange.

What is Crypto.com? App, Exchange and card explained

Crypto.com is a global crypto platform, founded in 2016, that combines a mobile app, an order-book exchange, a prepaid Visa card and staking. The app and the exchange are separate products with different pricing, and that difference decides how much you pay.

• The Crypto.com App is where most crypto users start. You tap buy, see a quote and confirm. You pay a 0.8% trading fee plus a possible spread.
• The Crypto.com Exchange is an order book with trading pairs, charts and limit orders. You pay maker and taker fees instead, starting at 0.25% and 0.50%.
• The Crypto.com Visa card is a prepaid card you top up from the app.
• The Onchain wallet is a separate self-custody wallet, where you hold the private keys yourself. It is aimed at on-chain apps and decentralized finance rather than buying crypto with euros.

Crypto.com doesn’t name a head office on its about page. Press reports usually describe it as based in Singapore. Its EU business runs from St Julian’s in Malta.

Is Crypto.com licensed in Europe?

Yes. Crypto.com serves EEA residents through Foris DAX MT Limited (C 88392), which the Malta Financial Services Authority (MFSA) authorised as a crypto-asset service provider under MiCA. The ESMA register lists the authorisation as notified on 27 January 2025 for custody, exchange, order execution, reception and transmission of orders, and transfer services, passported to all other EEA countries.

That matters, because since 1 July 2026 only MiCA-authorised firms may provide crypto services in the EU. Crypto.com is available in the Netherlands, Germany, Belgium and Ireland under that passport. Other Crypto.com companies cover the rest of the platform:

Company	Regulator	What it does
Foris DAX MT Limited	MFSA (Malta), MiCA	Crypto custody, exchange and transfers
Foris MT Limited	MFSA (Malta), e-money institution	Euro cash account and the Visa card
Foris Capital CY Limited	CySEC (Cyprus), MiFID II licence (May 2025)	Tokenised US stocks and ETFs

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

Crypto derivatives are blocked for EEA users

Crypto.com Exchange derivatives, such as crypto futures and perpetuals, are geo-restricted in all EEA countries, according to a help page dated 7 May 2025. We couldn’t confirm whether EEA users can reach any crypto futures through the CySEC-licensed company, so don’t plan on it.

Since 12 August 2026, EEA users 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. If you want leveraged crypto derivatives, our guide to crypto derivatives explains why most retail traders lose money with them.

Crypto.com fees: the app versus the Exchange

The Crypto.com App charges 0.8% per buy, sell or convert plus a possible spread, while the Crypto.com Exchange charges 0.25% maker and 0.50% taker at the entry tier. The same purchase is therefore cheaper on the Exchange, often by a third or more.

Fee	Crypto.com App	Crypto.com Exchange
Buy or sell	0.8% plus spread	0.25% maker / 0.50% taker
Pay by credit or debit card	Up to 4%	Deposit first (card 3.99%)
Discounts	Level Up subscription from €3.99 a month advertises zero app trading fees	Volume tiers, CRO balance
Price you see	Quote with the spread built in	Order book price

The spread is the gap between the price you pay and the market price. Crypto.com doesn’t publish the size of its app spread, so you can’t calculate the full cost in advance. Our explainer on the spread shows how to spot it: compare the app quote with the live price on the Exchange before you confirm.

Worked example: €100 and €1,000 in the app versus the Exchange

Here is what buying bitcoin with euros you have already deposited by SEPA costs, using the published fees.

Purchase	App (0.8% + spread)	Exchange, market order (0.50%)	Exchange, limit order (0.25%)
€100	€0.80 + spread	€0.50	€0.25
€1,000	€8.00 + spread	€5.00	€2.50
€100 a month for a year	€9.60 + spreads	€6.00	€3.00

The sums are simple: €100 × 0.8% = €0.80, €100 × 0.50% = €0.50, and twelve monthly buys multiply those figures by 12. Over a year of €100 buys, the app costs at least €3.60 more than a market order on the Exchange, and that is before the spread.

Paying by card in the app is the most expensive route: buying with a credit or debit card costs up to 4%, so up to €4.00 on a €100 purchase.

What about Level Up? The subscription starts at €3.99 a month and advertises zero app trading fees. At 0.8%, you’d need to buy about €500 a month in the app (€3.99 ÷ 0.8% = €498.75) before the subscription pays for itself. Whether the spread changes with the subscription isn’t published.

Exchange discounts for active traders

The Exchange fees fall with 30-day volume, for example to 0.08% maker and 0.18% taker from $500,000 of volume. A CRO balance of 50,000 or more gives 0% maker and 12% off taker fees. For someone investing €100 to €1,000 at a time, those tiers are out of reach; the 0.25% and 0.50% entry rates are what you’ll pay.

Deposits, withdrawals and other costs

A SEPA bank transfer is the cheapest way to fund Crypto.com: it is completely free, with a minimum of €1. Card deposits cost 3.99%, and a euro withdrawal back to your bank account costs €1.00.

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; up to €100,000 a day)
Crypto deposit	Free
Send crypto to another Crypto.com App user	Free
Withdraw BTC to an external wallet	0.0002 BTC below 0.002 BTC; 0.0004 BTC from 0.002 BTC

The bitcoin withdrawal fee hits small amounts hard. If you withdraw crypto worth 0.001 BTC, the 0.0002 BTC fee is a fifth of it. If you plan to move coins to your own wallet, collect a larger amount first. Additional fees can apply to other coins; the fee page lists them per network, and the final fee is shown before you confirm.

The Crypto.com Visa card: how it works and what it costs

The Crypto.com card is a prepaid Visa card, not a credit card: you top it up first and then spend that balance. For EEA users it is issued by Foris MT Limited, the Maltese e-money company, and it works like a debit card at shops and cash machines.

You can top up from your crypto wallet, your cash account or another credit or debit card. You can’t load crypto directly onto the card: Crypto.com converts it to euros first. Every top-up from crypto is a sale, which can matter for your tax return.

Card tiers and CRO rewards

Your card tier depends on your Level Up plan. The basic Midnight Blue card is free, the paid Level Up plans start at €3.99 a month, and the top card tier requires a large CRO lockup for 12 months. Higher tiers add extra perks such as higher CRO rewards and, on the upper tiers, airport lounge access.

Two catches sit beside those additional perks:

• Rewards are paid in CRO, Crypto.com’s own cryptocurrency. Their value in euros rises and falls with the CRO price.
• Costs vary depending on tier. Crypto.com says interbank exchange rates, top-up fees and other charges may apply, and it doesn’t publish one simple card fee figure.

Is the card worth it? Only if you spend enough for the CRO rewards to beat the subscription, and you are comfortable being paid in a volatile token.

What you can buy on Crypto.com

Crypto.com offers 400+ crypto-assets, which is a large range, plus staking and tokenised US stocks and ETFs. For EU residents, crypto futures and perpetuals are not available.

• Crypto: 400+ coins and tokens, from bitcoin and ether to small altcoins, with trading pairs on the Exchange.
• Fiat: EUR, GBP, USD, AUD, CAD, SGD and AED.
• Staking and Earn: earn rewards on selected coins, outside MiCA’s rules.
• Tokenised US stocks and ETFs: since 12 August 2026, issued as derivatives by Foris Capital CY Limited.
• API: for automated trading on the Exchange.

More coins means more choice, but also more small, illiquid tokens. Any crypto can lose most or all of its value.

Is Crypto.com safe? Security and track record

Crypto.com is licensed under MiCA and uses standard security measures, but its record includes a 2022 hack and a Dutch fine, so treat it as a regulated platform with a history, not as a vault. No crypto exchange can promise your coins are beyond reach.

Security features

• Two-factor authentication: Crypto.com uses 2FA, which attackers bypassed on 483 accounts in 2022 (see below). Use an authenticator app and never share codes.
• Reserves: Crypto.com states that all client crypto is held 1:1, with strict access controls on cold storage and hot wallets. It doesn’t publish what share sits in cold wallet storage.
• Proof of reserves: a Mazars-verified check with a Merkle tree, based on a snapshot of 7 December 2022. No newer attestation is shown, and a proof of reserves is not a full audit.
• Account Protection Programme: up to USD 250,000 of cover against unauthorised transactions. Crypto.com publishes no insurance fund.

Track record: the 2022 hack and the DNB fine

Year	What happened
2022	Attackers bypassed 2FA on 483 accounts and withdrew about $34 million (4,836 ETH and 443 BTC). Crypto.com said it reimbursed affected users.
2023	De Nederlandsche Bank (DNB) fined Foris DAX MT Limited €2.85 million for serving Dutch customers without registration from May 2020 to November 2022. The fine was imposed in October 2023 and published in March 2024. Crypto.com appealed; we couldn’t find the outcome.
2023	Crypto.com obtained DNB registration in the Netherlands in July 2023.
2023	A phishing attack on an employee exposed limited personal data of a small number of users. Bloomberg called it undisclosed in September 2025; Crypto.com said regulators were notified and no users’ funds were at risk.
2025	The US SEC closed its investigation without enforcement action in March 2025.
2025	MiCA authorisation from the MFSA (January) and a MiFID licence via a CySEC-approved acquisition (May).

Weighing this up, we score Crypto.com’s protection at 6 out of 10: licensed, but with a serious fine and a large incident on record. If you are looking for safer crypto exchanges, weigh the licence and the track record together, and compare the alternatives below on both.

Is Crypto.com FDIC insured?

No crypto on Crypto.com is FDIC insured. FDIC insurance is a US scheme for bank deposits; it doesn’t cover crypto-assets, and EU residents are served by the Maltese companies, not by US ones. In the EU, deposit guarantee schemes protect bank deposits up to €100,000, and the Dutch investor compensation scheme explicitly excludes crypto. If Crypto.com failed, those schemes would not pay you back for lost coins.

The Crypto.com app and getting started

The Crypto.com app is a user friendly way in: you sign up, verify your identity, add euros by SEPA and buy crypto in a few taps. Standard KYC identity verification is required before you can deposit and trade.

Support is available by 24/7 live chat in the mobile app and at chat.crypto.com, plus a help centre. Nothing in this review is investment advice: check that any product fits your own situation before you invest money.

Who Crypto.com is for, and who should look elsewhere

Crypto.com fits crypto enthusiasts who want one app for buying, staking and spending with a card, and who will use the Exchange for larger buys. It is a poor fit if you buy small amounts often in the app, want crypto futures, or care most about a clean regulatory record.

Good fit if you:

• want a prepaid Visa card linked to your crypto;
• like having 400+ coins, staking and tokenised stocks in one platform;
• are happy to use the Exchange’s order book to keep fees down.

Look elsewhere if you:

• buy €50 to €200 a month and want the lowest cost per buy;
• want leveraged crypto products (they’re blocked for EEA users);
• want a provider without fines or hacks in its recent history.

Crypto.com alternatives in Europe

If the app fees or the track record put you off, these MiCA-licensed exchanges serve EU residents:

• Bitvavo: 0.15% maker and 0.25% taker on euro markets, with free iDEAL, Bancontact and SEPA deposits, licensed by the Dutch AFM. Read our Bitvavo review.
• Kraken: licensed through the Central Bank of Ireland, with an app and Kraken Pro for order-book trading, plus regulated derivatives through a CySEC-licensed company. See our Kraken review.
• Coinbase: licensed in Luxembourg and listed in the US; its entry-tier Advanced fees (0.60% maker, 1.20% taker) are higher than Crypto.com Exchange’s. Our Coinbase vs Crypto.com comparison works through the differences.

For every fee and limit in one place, see our full Crypto.com fees breakdown.

How we checked this Crypto.com review

We checked Crypto.com’s EEA fee and limits page, its Exchange fee schedule, its licence page and card page, the ESMA MiCA register and the DNB enforcement notice on 23 October 2026. Scores follow our published methodology. We separate verified facts from company claims, and where something isn’t published, such as the app spread, we say so instead of guessing.