Crypto.com review: fees, coins and availability
A mobile-first app with a very large coin list and a separate exchange for lower-cost trading. Not available in New York.
We may earn a commission if you open an account through this link. It doesn't change our fee estimates or this review. Fees last checked Oct 4, 2026.
Estimated cost to buy
Fee plus spread, in dollars, for a market purchase of bitcoin.
| Payment | $100 | $500 | $1,000 | $5,000 | Basis |
|---|---|---|---|---|---|
| Bank transfer | n/p | n/p | n/p | n/p | App spread not published (reviews: 0.5–2%). |
| Debit card | n/p | n/p | n/p | n/p | 1.49% top-up fee is published; the app spread is not. |
| Advanced trading | $0.50 (0.50%) | $2.50 (0.50%) | $5.00 (0.50%) | $25.00 (0.50%) | Taker fee reported by independent reviews. |
n/p = not published by the platform.
Fees
Simple buy
App spread is not published; independent reviews put it around 0.5–2%. ACH deposits are free.
Debit card
1.49% to add dollars by debit card, Apple Pay or Google Pay (official).
Advanced trading
Crypto.com Exchange starting tier reported at 0.25% maker / 0.50% taker.
State availability
Not available to New York residents.
Staking
Yes
Ways to pay
Bank (ACH), debit card, Apple Pay, Google Pay, wire
What we like
- Very large coin list
- Separate exchange with lower fees
- Free ACH deposits
Watch out for
- Not available in New York
- App spread not disclosed
- Many features can overwhelm beginners
Ready to compare?
See Crypto.com next to 9 other US platforms for your amount and state.
Sources
- help.crypto.com/en/articles/9305828-top-up-to-usd-account-via-debit-card-apple-pay-and-google-pay
- crypto.com/en/company-news/crypto-com-exchange-set-for-u-s-launch
Fees and availability change often. Always confirm the fee on the platform's preview screen before you buy.