Crypto.com Exchange Review: Fees, Security, and Real User Experience in 2025
Crypto.com Trading Fee Calculator
Calculate your actual trading costs on Crypto.com. The calculator shows you the hidden spread costs that aren't always visible in the advertised fees.
Important: Crypto.com charges both a base fee AND a spread markup (0.5%–1.5%). Your actual cost could be significantly higher than advertised.
Enter trade details to see your actual costs
There is no crypto exchange called Crypto.com. If you're searching for "55.com crypto exchange", you're likely mixing up the name. The real platform you're looking for is Crypto.com is a global cryptocurrency exchange founded in 2016 as Monaco, rebranded in 2018, and now serving over 80 million users worldwide. Also known as Crypto.com Exchange, it operates under multiple international licenses including EMI in Europe and VASP in Canada, and is headquartered in Singapore with key offices in Cyprus and the U.S.. This review cuts through the noise and gives you the real deal on what Crypto.com actually offers - no hype, no confusion.
What You Can Actually Do on Crypto.com
Crypto.com isn’t just a place to buy and sell Bitcoin. It’s a full financial ecosystem. You can trade over 250 cryptocurrencies, including Bitcoin, Ethereum, Solana, and dozens of lesser-known altcoins. Minimum trade sizes are low - as little as 0.0001 BTC or 0.001 ETH - making it easy for small investors to get started.
But here’s what sets it apart: you can also earn interest on your crypto through Crypto Earn, with rates up to 14.5% APY on select assets. You can stake tokens directly in the app, use a Visa card that gives you cashback in crypto, and even buy stocks and traditional ETFs through its new LevelUp feature launched in late 2024. It’s not just an exchange - it’s a crypto bank.
Fees: Hidden Costs You Need to Know
Crypto.com advertises trading fees as low as 0.10% for makers and 0.40% for takers. That sounds great - until you realize those numbers don’t tell the whole story.
Behind the scenes, the platform adds a spread - the difference between the buy and sell price - that can add 0.5% to 1.5% on top of your fee. One Reddit user put it bluntly: "Thought I was getting 0.4% fees but actual cost was 1.2% when including spread, very misleading." This isn’t a bug - it’s standard practice on many exchanges, but Crypto.com doesn’t make it obvious.
Here’s how it breaks down:
- Standard taker fee: 0.40%
- Standard maker fee: 0.10%
- Typical spread markup: 0.5%-1.5% (varies by asset liquidity)
- Fee discount: Hold CRO tokens to reduce fees - 1,000 CRO cuts taker fees to 0.20%
If you trade frequently, holding CRO makes sense. But if you’re a casual buyer, you’re paying more than you think. Compare that to Kraken, which charges similar fees but with spreads under 0.8% - or Coinbase, which charges 0.60% flat but with transparent pricing.
Security: One of the Strongest in the Industry
Crypto.com takes security seriously. Over 98% of user funds are stored in cold wallets - offline, air-gapped, and physically protected. The remaining funds in hot wallets are insured by a $750 million policy from Lloyds of London, up from $500 million in early 2025.
The platform undergoes regular audits by Kudelski Security and has never suffered a major breach. It’s also one of the few exchanges with licenses in multiple jurisdictions: Europe, Canada, Australia, and 40+ U.S. states. That’s not just marketing - it means they’re legally required to follow strict financial controls.
For users, that means:
- Two-factor authentication (2FA) required
- Withdrawal whitelisting (you must pre-approve addresses)
- Real-time alerts for login attempts and transactions
- 100% cold storage for non-trading assets
It’s not perfect - no system is - but it’s among the safest centralized exchanges you can use today.
The Mobile App: Why Most Users Stay
If you’ve ever tried using a crypto exchange on your phone, you know how clunky most apps are. Crypto.com’s app is different. It’s clean, fast, and intuitive. Even users with zero crypto experience can buy Bitcoin in under 90 seconds.
The app supports 15 languages, works on iOS 13+ and Android 8.0+, and has over 350,000 reviews on Google Play with a 4.2-star average. People consistently praise:
- One-tap crypto purchases
- Instant card spending with real-time crypto-to-fiat conversion
- Push notifications for price alerts and security events
- Easy access to staking and earning features
It’s not just a trading tool - it’s a lifestyle app. You check your balance, earn rewards, spend crypto at Starbucks, and track your portfolio - all in one place.
Who Is This For? Who Should Avoid It?
Crypto.com is ideal for:
- Beginners who want simplicity and integrated banking
- People who want to earn interest on idle crypto
- Users in the U.S., Canada, or Europe looking for a licensed platform
- Those who use crypto for everyday spending (thanks to the Visa card)
It’s NOT ideal for:
- High-frequency traders needing advanced order types (like iceberg orders or trailing stops)
- Users who want 1,000+ coins - Crypto.com offers 250+, while Binance has over 1,000
- People who hate being nudged to buy CRO tokens - the app pushes CRO staking hard
- Traders in New York or other restricted U.S. states - some features are blocked
If you’re looking for pure trading power, go to Kraken or Bybit. If you want a one-stop shop for crypto spending, saving, and earning - Crypto.com is hard to beat.
User Feedback: The Good, the Bad, and the Ugly
Looking at real user reviews across Trustpilot, Reddit, and app stores paints a clearer picture than any marketing page.
Positive trends:
- "The mobile app is the best I’ve ever used for crypto." - Trustpilot, August 2025
- "Customer support replied in under 5 minutes when I had an issue." - Google Play, September 2025
- "I earn $30/month just from staking ETH. It’s like free money." - Reddit, July 2025
Negative trends:
- "Withdrew ETH and it took 3 days during market volatility. No explanation." - Trustpilot, July 2025
- "I thought I was buying BTC at $62,000. Turned out the spread added $900 to my cost." - Reddit, August 2025
- "Every time I open the app, it’s pushing me to buy CRO. It’s annoying." - Twitter, August 2025
The most consistent complaint? Hidden costs. The second most common? Slow withdrawals during big price swings. These aren’t dealbreakers for most, but they’re worth knowing.
How It Compares to the Competition
Here’s how Crypto.com stacks up against its biggest rivals as of Q3 2025:
| Feature | Crypto.com | Coinbase | Kraken | Binance |
|---|---|---|---|---|
| Supported Cryptocurrencies | 250+ | 200+ | 230+ | 1,000+ |
| Standard Taker Fee | 0.40% | 0.60% | 0.16% | 0.10% |
| Spread Markup | 0.5%-1.5% | 1.0%-2.0% | 0.2%-0.8% | 0.3%-1.0% |
| Interest Earning | Up to 14.5% APY | Up to 5% APY | Up to 7% APY | Up to 10% APY |
| Visa Card Cashback | Up to 8% in crypto | No | No | No |
| Stock Trading | Yes (LevelUp) | Yes | No | No |
| Regulatory Licenses | 40+ countries | 40+ countries | 20+ countries | 10+ countries |
Crypto.com wins on integration. It’s the only exchange that lets you earn, spend, trade, and bank - all in one place. But if you’re a serious trader, Kraken or Binance still offer better tools and lower spreads.
Final Verdict: Is Crypto.com Worth It?
Yes - if you’re not looking to be a professional trader.
Crypto.com is the best choice for everyday users who want to buy crypto, earn interest, spend it with a card, and manage everything from their phone. It’s secure, regulated, and packed with features most people will actually use.
But if you care about raw trading performance, low spreads, or deep market depth - look elsewhere. The hidden costs and aggressive CRO promotions can be frustrating.
For 80 million users, it works. For you? It depends on what you need.
Is 55.com a real crypto exchange?
No, 55.com is not a crypto exchange. It’s likely a typo or confusion with Crypto.com, which is a legitimate, regulated exchange with over 80 million users. Always double-check the domain before entering any personal or financial information.
Does Crypto.com charge hidden fees?
Yes - in the form of spreads. While advertised trading fees are 0.10%-0.40%, the actual cost includes a spread of 0.5%-1.5% on top, especially for less liquid assets. This isn’t illegal, but it’s not clearly displayed. Always check the final price before confirming a trade.
Is Crypto.com safe to use?
Yes, it’s one of the safest centralized exchanges. Over 98% of funds are in cold storage, it’s insured for $750 million by Lloyds of London, and it holds licenses in Europe, Canada, and multiple U.S. states. It has never suffered a major hack.
Can I buy stocks on Crypto.com?
Yes, through the LevelUp feature, which launched in Q3 2025. You can buy fractional shares of U.S. stocks and ETFs directly from the app. It’s not as robust as a full brokerage, but it’s convenient for casual investors who want crypto and stocks in one place.
Should I hold CRO tokens to save on fees?
It depends. Holding 1,000 CRO reduces your taker fee from 0.40% to 0.20%. But CRO’s value is volatile, and the platform pushes it heavily. If you’re not planning to trade often, the fee discount may not justify holding a token you don’t otherwise want.
How long do withdrawals take on Crypto.com?
Typically under 30 minutes for crypto withdrawals. But during high volatility or network congestion, it can take 2-3 days. Fiat withdrawals (bank transfers) take 1-5 business days. Users report delays are more common during major market moves.
Is Crypto.com available in the U.S.?
Yes, but not everywhere. Crypto.com is available in 40+ U.S. states. It’s blocked in New York, Hawaii, Vermont, and a few others due to local regulations. You’ll see a message if your state isn’t supported when signing up.
If you’re new to crypto and want a simple, secure, all-in-one platform - Crypto.com is your best bet. If you’re a power trader looking for low spreads and advanced tools, keep looking. But don’t waste time searching for 55.com - it doesn’t exist.
Cody Leach
November 15, 2025 AT 00:37Crypto.com is fine for beginners but don't expect Kraken-level trading tools. The app is slick and the cashback is nice but that spread is a silent tax. I've been burned twice thinking I got a good price only to realize the spread ate 1.2% before I even clicked confirm.
Drew Monrad
November 15, 2025 AT 05:23YOU THINK THIS IS BAD? I tried to withdraw ETH during the Bitcoin dump and it took FIVE DAYS. No explanation. No apology. Just silence. And now they're pushing CRO like it's oxygen. I feel like I'm in a cult where the prophet's name is CRONOS and the holy grail is a 0.2% fee discount.
Mandy Hunt
November 15, 2025 AT 15:3998% cold storage? Yeah right. They’re just hiding the real assets in a secret vault somewhere and using fake tokens to show balances. The $750M insurance? That’s probably just a line item on a PowerPoint slide. They’re owned by the same people who run the pyramid scheme that sold NFT monkeys. I know this because I saw a guy on YouTube who knows a guy who works at Lloyds.
anthony silva
November 16, 2025 AT 14:11So let me get this straight… you pay 0.4% fee plus up to 1.5% spread… and they call this transparent pricing? I guess if you think ‘hidden’ means ‘written in 6pt font under the terms of service’ then sure. Next they’ll start charging me for breathing.
sandeep honey
November 18, 2025 AT 04:06Why does everyone ignore the real issue? The interest rates are unsustainable. 14.5% APY on stablecoins? That’s not finance, that’s a Ponzi waiting to collapse. They’re using new user deposits to pay old users. When the inflow slows, the whole house of cards comes down. I’ve seen this movie before.