Crypto.com Review 2027 Fees, Features and Safety

This Crypto.com review for 2027 looks at the Singapore-based crypto exchange, founded in 2016, and covers trading fees, security record, the CRO token and regulation, so you can decide whether it fits the way you trade.

What is Crypto.com? (2027)

Crypto.com is one of the most recognisable brands in digital assets. Kris Marszalek and three co-founders started the company in Hong Kong in 2016 under the name Monaco, with the aim of putting a crypto-funded payment card in every wallet. In 2018 it bought the Crypto.com domain and adopted the name. Now headquartered in Singapore, the company says it serves well over 100 million customers worldwide.

The App and the Exchange are different products

New users are often confused by the fact that Crypto.com runs two main services.

The Crypto.com App is a mobile broker. You buy and sell at a quoted price that includes a spread, with no order book. It is simple, supports bank transfers and cards in many currencies, and connects to the Visa card and earn features.

The Crypto.com Exchange is a full trading venue with order books, limit orders, margin and derivatives. Fees are lower and pricing is more transparent. Frequent traders should use the Exchange, and transfers between the two are free and instant.

The Visa card

The prepaid Visa card remains the signature product. Cards come in tiers, and higher tiers require you to lock up a set value of the CRO token or hold a paid membership level. In return you receive rewards on spending and perks that have included rebates on streaming subscriptions and airport lounge access. Reward rates have been reduced several times since the 2021 peak, so read the current terms carefully and remember that locking up CRO exposes you to its price swings.

Other features

• Earn: fixed and flexible terms on a range of coins and stablecoins.
• Derivatives: perpetual contracts on the Exchange for eligible regions, and regulated futures and event contracts in the United States.
• Crypto.com Onchain: a self-custody wallet with access to decentralised finance.
• Cronos: the blockchain ecosystem that uses CRO as its native token.

Fees

In the App, the cost is built into the price you see, and the spread can be wide on smaller coins. On the Exchange, a maker-taker schedule applies with discounts for higher volumes and for staking CRO. Rates for small accounts have changed more than once, so check the live fee page. Card top-ups by debit or credit card may carry a fee, while bank transfers are usually free.

Security

Crypto.com holds several security and privacy certifications, including ISO 27001 and SOC 2, and it publishes proof-of-reserves attestations. Most customer assets are kept in cold storage.

The platform did suffer a breach. In January 2022 attackers bypassed two-factor authentication on 483 accounts and withdrew about $34 million. Crypto.com reimbursed every affected customer, rebuilt its authentication system and introduced an account protection programme. A mandatory 24-hour delay now applies when you add a new withdrawal address.

Licences and regulation

Licensing is a real strength. Crypto.com holds a Major Payment Institution licence from the Monetary Authority of Singapore, a full licence from Dubai's virtual asset regulator, registration with the UK Financial Conduct Authority, and a MiCA licence obtained through Malta that covers the European Union. In the United States it operates through state licences and a derivatives exchange regulated by the Commodity Futures Trading Commission.

The CRO question

Much of the platform's value depends on CRO. Fee discounts, card tiers and earn rates all improve when you hold or lock it. In March 2025 the Cronos community approved a proposal to recreate 70 billion CRO that had been burned in 2021, a decision many holders criticised because the burn had been described as permanent. Anyone building a strategy around CRO rewards should factor in that governance history.

Who is Crypto.com best for?

Crypto.com suits people who want an all-in-one crypto account: buy, earn, spend with a card, and occasionally trade. It is a comfortable choice for beginners who value a polished app and strong licensing. Active traders can get good value from the Exchange.

It is less attractive if you dislike token lock-ups or want the tightest pricing on quick purchases.

Pros and cons

• Pros: extensive regulatory licences, well-designed app, Visa card with rewards, wide product range, strong security certifications.
• Cons: spreads in the App can be high, best perks require CRO lock-ups, reward terms change often, 2022 account breach.

Getting started

Download the App, register and verify your identity. Add an authenticator app, then deposit by bank transfer. If you plan to trade regularly, open the Exchange with the same login and move funds across.

Crypto.com review: verdict for 2027

Crypto.com has turned heavy marketing into a large, properly licensed business. The App is convenient, the Exchange is competitive, and the card is still one of the better ways to spend crypto. Understand the role CRO plays before committing, and it can serve as a capable everyday crypto account.

Compare this Crypto.com review with all 40 crypto exchanges in our 2027 list, and confirm the latest terms on the official Crypto.com website before you open an account.