Crypto.com review
- Fee for buying $1,000
- $5by bank transfer
- How long a bank withdrawal takes
- 1 to 3 days
- Coins
- 376
A $1,000 crypto purchase through a bank transfer on Crypto.com has published fees of $5 (Crypto.com Exchange taker fee: 0.5%). Crypto.com doesn't serve New York.
- $1,000 purchase by bank transfer
- $5
- States not served
- New York
- A bank withdrawal
- Free of charge; typically 1-3 working days
- Money services business registered with FinCEN
- Registered crypto.com
- NYDFS licence covering New York
- No help.crypto.com
the score is 8.3, with a maximum of 10
- Fees score 7.5 out of 10, with a 30% weight
- Availability scores 9.1 out of 10, with a 20% weight
- Security and licences get 7.0 out of 10, with a 20% weight
- Products score 10.0, and 10 is the maximum, with a 15% weight
- App ratings score 9.1 out of 10, with a 15% weight
We earn a commission if you open an account through our links. It does not change the fees you pay or our score.
Open a Crypto.com accountCrypto.com fees in dollars
Every fee in the Crypto.com table points to the Crypto.com page where it comes from. Using $1,000, the worked example totals all the fees.
| Fee | Rate | Source | Read on |
|---|---|---|---|
| How the simple buy fee is set | Variable admin fee on buys/sells, set by market conditions, promotions, volatility and liquidity; shown in the trade preview before submitting | help.crypto.com | November 2, 2026 |
| Advanced maker fee, entry tier | 0.25% | crypto.com | November 2, 2026 |
| Advanced taker fee, entry tier | 0.5% | crypto.com | November 2, 2026 |
| Bank deposit (ACH) | Free | help.crypto.com | November 2, 2026 |
| Wire deposit | Free | help.crypto.com | November 2, 2026 |
| Bank withdrawal (ACH) | Free | help.crypto.com | November 2, 2026 |
| Bitcoin withdrawal | The withdrawal fee depends on the network, and the App shows it under Settings > Fees & Limits; no amount is published on a public page | help.crypto.com | November 2, 2026 |
The cost of $1,000 on Crypto.com
Each payment or payout method uses the same $1,000. A dash shows that Crypto.com hasn't published a number for it.
| What you do with $1,000 | You pay | How it is charged |
|---|---|---|
| Buy by bank transfer (ACH) | $5 | 0.5% taker fee, Crypto.com Exchange |
| Buy by wire | $5 | 0.5% taker fee, Crypto.com Exchange |
| Buy with PayPal | – | Crypto.com does not offer this |
| Sell and send to your bank (ACH) | $5 | 0.5% taker fee, Crypto.com Exchange, free payout |
| Cash out to your bank (ACH) | $0 | free |
You can use the calculator for your own amount and view every Crypto.com fee on the Crypto.com fees page.
Where Crypto.com can be used
Crypto.com doesn't serve New York, and New York residents can't use it.
Taking money out of Crypto.com
At Crypto.com, US retail bank withdrawals usually take 1-3 working days at no cost (Crypto.com Exchange, US retail). Under Crypto.com's hold rule, funds from Instant Deposit become usable within minutes. For 7 working days after that deposit, withdrawals and crypto sends stay limited.
The Crypto.com guide covers withdrawal timing, limits and what to do if one gets stuck.
Licences and who operates Crypto.com
Within the US, Crypto.com's business is managed by Foris DAX, Inc.
Crypto.com says that, as a money services business, it is registered with FinCEN.
New York: Crypto.com has no NYDFS licence.
State licences appear on Crypto.com's licences page.
On record are 4 dated incidents for Crypto.com, and each one comes with its source.
Security at Crypto.com
Crypto.com says Mazars Group (ISRS 4400) completed verification of its Merkle-tree proof of reserves. Those customer balances were stated as of December 7, 2022. This kind of proof of reserves offers an attestation, though it does not provide a full Crypto.com audit.
Crypto.com says customer assets sit in institutional-grade reserve accounts at a 1:1 ratio, and strict access controls cover both cold and hot wallets.
Crypto.com account security includes a TOTP authenticator app that provides a 6-digit code. The code expires after 30 s and covers crypto/fiat withdrawals and address whitelisting. Crypto.com supports passkeys.
Outages posted by Crypto.com appear on its status page.
Ratings for the Crypto.com app
According to 336,049 ratings on the App Store, Crypto.com's app scores 4.7 out of 5. Google Play shows a 4.4 rating from 694,078 ratings.
Crypto.com account setup
Opening a Crypto.com account requires your legal name in full, government ID and a selfie. For the US, use a state-issued driver's licence or ID. The review period ranges from a few hours to one or two working days.
Staking on Crypto.com
US customers can stake on Crypto.com. The App offers on-chain staking that pays 'up to 15.61%' each year (APR varies). It isn't offered in New York, California, Maryland, New Jersey, or in Wisconsin.
No staking on Crypto.com in New York, California, Maryland, New Jersey and Wisconsin.
The good and the bad of Crypto.com
Pros
- Crypto.com is one of the four cheapest US exchanges for buying $1,000 by bank transfer ($5).
- A proof of reserves is published by Crypto.com.
- Crypto.com runs an order-book platform (Crypto.com Exchange) where fees are lower than on the simple buy button.
- There's no charge for a bank withdrawal from Crypto.com.
Cons
- You can't use Crypto.com in New York.
- On record are 4 dated incidents involving Crypto.com (enforcement or security).
Crypto.com compared with
Side-by-side pages compare Crypto.com with the exchanges people most often consider alongside it.
Read more about Crypto.com
Common questions
Can you use Crypto.com in every US state?
Crypto.com doesn't serve New York.
How quickly do bank withdrawals from Crypto.com arrive?
A bank withdrawal from Crypto.com costs nothing and typically takes 1-3 working days (Crypto.com Exchange, US retail).
Is a 1099 form sent by Crypto.com?
Yes. For rewards of >= $600, Crypto.com sends 1099-MISC. Contracts traded are reported on 1099-B, while digital asset dispositions use 1099-DA. The 2025 forms include no cost basis.