Crypto.com review: fees, CRO tiers and Earn

Q: Why does Crypto.com have so few pairs in your scanner?

Because the venue's main quote currency is the actual dollar, not USDT. There are a little over a hundred USDT pairs, and those are the ones our tables use. A dollar price cannot be set against a USDT price directly: they are different assets.

Q: What does trading on Crypto.com cost?

The retail schedule starts at 0.25% maker and 0.50% taker and falls with 30-day volume to 0.08% and 0.18%. From a balance of 50,000 CRO the maker fee is zero at every tier and the taker fee is about an eighth cheaper.

Q: Can the withdrawal fee be paid in CRO?

No. The withdrawal fee is taken in the asset you are withdrawing and cannot be swapped for CRO. The venue charges no fee of its own on crypto deposits.

Q: What is the minimum spot order?

One dollar equivalent. That is the order's value, not a coin count: the actual quantity is rounded up to the pair's quantity tick. An order below the minimum returns BELOW_MIN_ORDER_SIZE.

Q: How does Crypto.com Exchange differ from the app?

They are different products on different rules. Fees, minimum amounts, the set of networks and which features are available do not match. Crypto Earn, for one, belongs to the app rather than the exchange.

Q: What does withdrawing dollars cost?

Up to a million dollars of net withdrawals over a rolling thirty days is free; above that, 0.05% of the excess. Net volume is withdrawals minus dollar deposits and net OTC inflows; crypto deposits do not reduce it.

Withdrawal networks

Networks and withdrawal fees

Crypto.com does not disclose its networks and withdrawal fees publicly

That is why there is no live table here. The published tariff names only one network for USDT — ERC20: a 20 USDT minimum and a 10 USDT fee. Check the rest in your exchange account before sending.

About the exchange

What Crypto.com is

Crypto.com has been running since 2016 and grew out of the Monaco app. Today it is one of the most visible venues in the industry: licences in several jurisdictions, a payment card, an app with tens of millions of users and its own CRO token.

2013Gate, Huobi

2016Crypto.com

2017Binance, OKX

2019Phemex

Regulation

operates through several legal entities
in the EU it is Foris DAX MT Limited, a MiCA CASP authorisation, Malta

Ecosystem

an exchange, an app and a card
the CRO token: discounts, Lockup, Level Up

Services

What is here besides ordinary trading

Dollar trading at the centre, with a card, a bank and an app around it.

Spot

Mainly dollar trading, plus 117 pairs against USDT.

117 pairs vs USDT

Futures

About four hundred perpetual contracts with hourly funding.

414 contracts

Margin

Borrowing at interest on hourly debt snapshots. The liquidation fee is 0.50%.

liquidation 0.5%

Bots

DCA, grid and TWAP right in the interface.

3 strategies

Card

Visa in Europe, CRO cashback, the Level Up subscription.

4 tiers

Bank

Euro over SEPA, dollars over SWIFT and Fedwire.

no P2P

The main thing

Dollars, not USDT

The main quote here is a real dollar. There are hundreds of pairs against the dollar and 117 against USDT. Only the USDT pairs appear in our tables: a price in dollars cannot be compared with a price in USDT directly — they are different assets, however close the rate.

BTC / USD

The venue’s main market. It does not reach the scanner — the quote is in dollars.

BTC / USDT

One of the 117 markets against USDT. This is the one compared with other exchanges.

The exchange and the app are different products

Crypto.com Exchange and Crypto.com App have their own fees, minimums, networks and features. Crypto Earn, for one, belongs to the app. Do not carry the terms of one over to the other.

Fees

What a trade costs and what CRO gives you

The retail tariff starts at 0.25% maker and 0.50% taker and falls with 30-day volume. With a balance from 50,000 CRO the maker fee goes to zero on all five tiers, and the taker becomes about an eighth cheaper.

30-day volume

Your rate

A 1,000 USDT trade

Buy and sell

Above the retail grid sits VIP: from $1M volume the maker fee is 0.065%, zero from the second tier, and the taker falls from 0.1% to 0.025%.

The minimum order is $1 of value

That is the order’s value, not a coin count. The exchange rounds the quantity up to the pair’s tick, so on expensive coins the real minimum is higher.

Order value, $

Derivatives have no dollar minimum — the quantity tick applies instead. The CRO perpetual steps in 10 contract units, and the size must divide by it exactly.

How to pay less

Hold CROfrom 50,000 on the balance

maker — 0% on every tier
taker ≈ an eighth cheaper

Trade more30-day volume

5 retail tiers
then VIP

The card

The card and the Level Up subscription

The subscription tiers are Basic, Plus, Pro and Private. The old Ruby, Jade, Icy and Obsidian remain in older tables: their terms should not be carried over to today’s tiers.

BasicLEVEL UP

5302 8841 •••• 2026

CARD HOLDERSPREADRADARVALID THRU11/30DEBIT

•••

A mock-up card for this review · not a real card
Your tier’s terms are in the exchange app

Hold and spin the card — any direction

Cash withdrawn per month

Free

Above the limit · 2%

Fee

Visa · supported European countrieswithdrawals up to €2,000/day · €10,000/month · €75,000/yearcard top-up 1%account closure €50

Some offers are for the US only

The credit-card terms and some privileges of the American market do not extend to European and Ukrainian users. Check your region in your account.

Earning

CRO Lockup, Soft Lockup and Earn

from 1,000 CROyou lock

180 days · no early withdrawal

CRO + the rewardcome back

a reward for lockingmaker 0%ecosystem privileges

There is no fixed term: hold a supported asset in the exchange wallet. Minimum amounts:

BTC0,02

USDT200

XRP800

LTC4,5

LINK22

BCH1

A product of the app, not the exchange. Flexible allocation plus 1 and 3-month terms. The formula: amount × rate ÷ 365 × term; the flexible option uses the lowest daily balance.

How much you placeUSDTRate, annual%

Term

Reward for the term

Per day

In total

Minimum amount to place

BTC0,005

ETH0,15

USDT250

USDC250

CRO500

SOL1

BNB2

ADA250

DOT10

AVAX5

ATOM12

The overall cap depends on the tier: up to $500,000 on Pro and below, up to $1,000,000 and $2,000,000 on Private — depending on the CRO tier.

Automation

Bots and sub-accounts

DCAbuys or sells in equal parts at intervals — the entry price is averaged

Gridbuys below and sells above inside a corridor; once the price leaves it the strategy stalls, which is the ordinary risk

TWAPsplits a large order on a schedule so it does not move the book; it can be cancelled but not edited

Sub-accounts

20for a retail account

300for an institutional one

10API calls per second per address

Each has its own balance, positions, results and API keys. Verification and the fee tier are inherited from the main account, sub-account volume counts towards the total, and withdrawals and on-chain deposits go through the main account.

Our sections

Where Crypto.com appears in SpreadRadar

It is there

Spot arbitrage — across 117 pairs vs USDT: the book is deep, gaps are rare but real
Funding — across 414 contracts; accrual is hourly, the crawler covers them all in a couple of minutes and refreshes the snapshot every 5 minutes
A price reference: if Crypto.com differs noticeably from the rest, the gap is worth double-checking

It is not — and why

Triangular routes and stablecoins: the venue does not publish the size at the best order
Transfers: networks and withdrawal fees are not disclosed publicly

Money

Deposits and withdrawals: crypto, SEPA and dollars by bank

Cryptocurrency 2–3 hours to process

1Open the deposit for the coin you needthe address and the confirmation count are there too

2Send the cointhe venue charges nothing of its own for a deposit

3Withdraw in the same cointhe fee is taken from it, and it cannot be paid in CRO

Withdraw to App moves funds between the exchange and the app internally, with no blockchain transaction. Deposits of EVM tokens through a smart contract are generally not supported — ETH aside.

Ordinary money euro and dollar

1Euro — over SEPAfrom €1, with no fee from the venue or its partners

2Dollars — SWIFT or Fedwirethe terms depend on the account type and the region

3The sender’s name = the account holderotherwise it is returned and €25 is withheld

Withdrawing dollars above a million costs money

From 1 May 2026: the net withdrawal over a rolling 30 days = withdrawals − dollar deposits − net OTC inflows. Up to $1,000,000 it is free, above that 0.05% of the excess. Crypto deposits, USDT and USDC included, do not reduce the amount.

You withdraw over 30 days$Dollar deposits$

Net withdrawal

Above the million

Fee 0.05%

daily limit: retail $100,000Retail VIP $500,000institutional $10,000,000

In short

Who it suits

You value regulation

Licences, bank deposits and a deep book on the main coins.

You use the card

Visa in Europe, CRO cashback, free withdrawals within your tier.

You trade funding

414 contracts with hourly accrual — frequent payouts.

A similar venue is Kraken: also regulated with bank deposits, but with less of an ecosystem around it.

Compare →

FAQ

Frequently asked questions

Why does Crypto.com have so few pairs in your scanner?+

The main quote here is a real dollar, not USDT. There are 117 pairs against USDT and those are the ones in the tables: comparing a dollar price with a USDT price directly is not sound.

What does trading on Crypto.com cost?+

The retail tariff is from 0.25% maker and 0.50% taker, falling with volume to 0.08% and 0.18%. With a balance from 50,000 CRO the maker fee goes to zero and the taker is about an eighth cheaper.

Can the withdrawal fee be paid in CRO?+

No. The fee is taken in the coin you withdraw. The venue charges nothing of its own for a crypto deposit.

What is the minimum spot order?+

$1 of order value. The quantity is rounded up to the pair’s tick. Below the minimum you get a BELOW_MIN_ORDER_SIZE error.

How does Crypto.com Exchange differ from the app?+

They are different products: fees, minimums, networks and features do not match. Crypto Earn, for one, belongs to the app.

What does withdrawing dollars cost?+

Up to $1,000,000 of net withdrawals over a rolling 30 days is free, above that 0.05% of the excess. Crypto deposits do not reduce the net amount.

Comparisons

Crypto.com or another exchange

orCrypto.com or Binance

Binance and Crypto.com both cover almost any job, so the choice is not the feature list but what you actually use daily.

How to trade on Crypto.com