Crypto.com review 2026: the app-first retail platform

Overview

Crypto.com is a Singapore-based exchange with a strong retail focus, known for the Visa Card, its mobile-first app and high-visibility marketing.

Licences and regulation

• MiCA: Malta (MFSA) · MiFID II: Malta (MFSA) · DNB fine: €2.85M (2023)

Products and fees

Spot (250+ assets), perpetuals, DeFi wallet, Visa Card, staking/earn, NFT marketplace. Spot fees 0.25%/0.50% (base); CRO staking lowers them substantially.

Pros / cons

Pros: MiCA + MiFID II; Visa Card with cashback; broad asset range; app-friendly.

Cons: DNB fine history; high fees without CRO staking; complex product maze; limited advanced features.

Best suited for

Retail users wanting crypto payments, Visa Card enthusiasts, small to mid-size portfolios.

Frequently asked questions

Do I need CRO to trade cheaply?
Not mandatory, but without CRO staking fees are relatively high.