Crypto.com offers a comprehensive crypto ecosystem including exchange, Visa prepaid card with CRO rewards, staking, and DeFi wallet. Foris DAX MT Limited holds a MiCA authorisation from the Maltese regulator MFSA.
- Visa prepaid card with CRO rewards
- Comprehensive ecosystem
- MiCA authorisation (Malta)
- CRO staking benefits
- App spreads can be high
- CRO staking needed for higher card tiers
- Complex reward structure
Fees & costs
- Min. deposit
- €$1
- Trading
- 0.08%-0.50% maker/taker (Exchange, level 1-5 op 30-daags volume; hogere VIP-niveaus lager; CRO-saldo geeft 3% korting)
- Stock fee
- N/A (Crypto only)
- Spread
- Spreads on app, tight on exchange
- Deposits
- Gratis via SEPA en Apple/Google Pay (EUR); andere kosten en spread kunnen gelden
- Withdrawals
- Network fees
- Inactivity
- None
Platforms & features
Who this fits best
Note: app spreads can be high.
How to use in practice
Spending Crypto in Daily Life
Use the Crypto.com Visa card to spend cryptocurrency at merchants worldwide while earning CRO rewards (up to 4.5% in the EEA, depending on the card tier).
Pay for groceries, fuel, or online purchases with your Crypto.com card and receive CRO rewards in your account, depending on your card tier.
Building a Crypto Ecosystem
Access a suite of products including the exchange, Visa card, Earn and Staking, and the DeFi wallet.
Hold crypto on Crypto.com Earn for variable rewards, use the DeFi wallet for decentralized applications, and spend rewards with the Visa card.
Earning Rewards on Crypto Holdings
Put cryptocurrencies into Earn or Staking to receive variable rewards. Rewards are not guaranteed, and these products are not regulated under MiCA.
Check the current Earn terms in the app before you lock any assets, and only use money you can afford to lose.
Tips for beginners
- 01
Understand CRO staking tiers before committing
Crypto.com card benefits depend on your card tier, and the higher tiers require a CRO stake. Research the required stake amounts and lock periods before making decisions about staking.
- 02
Use the Exchange for lower fees
The main Crypto.com app includes spreads in prices. The separate Crypto.com Exchange charges maker/taker fees (0.08%-0.50%) instead of a spread, which can suit more active traders.
- 03
Start with the free Midnight Blue card
The entry-level Midnight Blue card requires no CRO stake and offers no CRO rewards (0% in the EEA). Use this to experience the card before deciding whether to stake for higher tiers.
- 04
Check Earn terms before you lock assets
Earn and Staking rewards are variable and not guaranteed, and lock periods can apply. Consider your liquidity needs before committing.
Account opening steps
- 1.
Download App
Download the Crypto.com app from App Store or Google Play
- 2.
Create Account
Register with email and create a secure password
- 3.
Complete KYC
Upload government ID and complete selfie verification
- 4.
Fund Account
Deposit via SEPA, card, or crypto transfer
- 5.
Order Card (Optional)
Apply for a Visa card and stake CRO for better benefits
Extended guide
Complete Guide to Crypto Investing with Crypto.com
Getting Started
Download the Crypto.com app from the App Store or Google Play. Register with your email, create a secure password, and complete identity verification by uploading a government ID and taking a selfie. Enable 2FA for account security.
Fund your account via SEPA bank transfer, card, Apple Pay or Google Pay, or crypto deposit. Crypto.com advertises zero-fee EUR deposits, but other fees and spread may apply.
Key Features and How to Use Them
Crypto.com Visa Card: Apply for a metal Visa card in the app. Card tiers from Midnight Blue (free, 0% CRO rewards) to Obsidian (EUR 450,000 CRO stake for 12 months, 4.5% on everyday spending in the EEA) offer increasing benefits. Higher tiers include Spotify, Netflix reimbursements, and airport lounge access.
Earn and Staking: Put crypto to work for variable rewards. Rewards are not guaranteed, and Crypto.com states that Earn and Staking are not regulated under MiCA. Check the current terms in the app.
CRO Staking: Staking CRO for 12 months unlocks the higher card tiers. Consider your commitment carefully as staked CRO is locked during this period.
Crypto.com Exchange: For lower trading fees, use the separate Crypto.com Exchange platform (different from the app). It charges 0.08%-0.50% maker/taker fees versus the app's spread-based pricing.
DeFi Wallet: The separate Crypto.com DeFi Wallet is a self-custody option where you control your private keys. Use it for DeFi protocols, staking, and decentralized applications.
Tips for Success
Start with the free Midnight Blue card to experience the ecosystem before staking CRO for higher tiers. Check Earn terms and consider liquidity needs. For frequent trading, use the Exchange rather than the app to benefit from lower fees.
Understand that the best card benefits require significant CRO staking, and CRO can lose value. Calculate whether the card rewards justify the stake for your usage patterns.
Editorial review
Crypto.com is een cryptobeurs opgericht in 2016, gevestigd in Malta. De Europese entiteit, Foris DAX MT Limited, heeft een MiCA-vergunning van de Maltese toezichthouder MFSA. Het platform biedt meer dan 400 cryptocurrencies aan met EUR-markten. Op de beurs betaal je maker/taker-kosten van 0,08% tot 0,50% (level 1-5, afhankelijk van het 30-daagse volume; VIP-niveaus zijn lager; CRO-saldo geeft 3% korting). Crypto.com staat bekend om zijn uitgebreide ecosysteem: naast de beurs biedt het een Visa-prepaidkaart met CRO-beloningen (in de EER tot 4,5% op dagelijkse uitgaven, afhankelijk van het kaartniveau), staking, DeFi-wallet en een eigen blockchain.
De Visa-kaart is het meest onderscheidende kenmerk en trekt gebruikers die crypto willen koppelen aan alledaags gebruik. Crypto-tegoeden vallen niet onder een depositogarantie. Voor de hogere kaartniveaus is CRO-staking van 12 maanden nodig, wat een financieel risico inhoudt als de CRO-koers daalt. Earn en Staking vallen volgens Crypto.com niet onder de MiCA-regels. Dit maakt de werkelijke kosten voor nieuwe gebruikers minder voorspelbaar.
De spreads in de gewone app zijn hoger dan op de beurs, wat beginners ongewild meer laat betalen als ze niet via de beurstab handelen. De beloningsstructuur is complex en vereist studie. Crypto.com is het meest geschikt voor gebruikers die een gecombineerd betaal- en beleggingsproduct zoeken en bereid zijn zich in het CRO-ecosysteem te verdiepen. Vergelijk de handelskosten met andere aanbieders als lage kosten je belangrijkste wens zijn.