Crypto.com runs two separate price lists. The App charges 0.80% on a cash-to-crypto purchase and up to 4% on a card buy. The Exchange charges 0.250% maker and 0.500% taker at its entry tier. SameCrypto.com runs two separate price lists. The App charges 0.80% on a cash-to-crypto purchase and up to 4% on a card buy. The Exchange charges 0.250% maker and 0.500% taker at its entry tier. Same
Crypto.com Fees Explained 2026: Why Does the Same $1,000 Buy Cost $8.00 in the App and $5.00 on the Exchange?
Crypto.com runs two separate price lists.
The App charges 0.80% on a cash-to-crypto purchase and up to 4% on a card buy.
The Exchange charges 0.250% maker and 0.500% taker at its entry tier.
Same company, same coin, a different bill, verified September 10, 2026.
Key Takeaways
- Crypto.com runs two price lists: 0.80% per purchase in the App, 0.250% maker and 0.500% taker on the Exchange entry tier.
- A card purchase costs up to 4%, which is $40.00 on a $1,000 buy.
- CRO is now a balance requirement, and the 50,000 CRO tier sets maker to 0% while taker only falls to 0.4400%.
- The widely republished claim that 5,000 CRO cuts fees to about 0.07% is more than three times off the live schedule.
- Withdrawal fees are published per coin and per network, and on 41 of 43 routes the fee is exactly half the minimum.
- Same $1,000 buy, published rates: $8.00 in the App, $5.00 on the Exchange, $0.50 on MEXC.
Why nobody can tell you what Crypto.com charges
You tap Buy in the App, a price appears, and the coins land in your account.
No fee line appears anywhere on that screen.
Later you compare your entry against a chart and the numbers refuse to line up.
Most guides will tell you this is a spread you cannot measure.
It is not.
Crypto.com's own fee sheet for App users in the European Economic Area prints the number in plain text: a cash-to-crypto purchase costs 0.80%, a crypto-to-crypto exchange costs 0.80%, and a debit or credit card purchase costs up to 4%.
The confusion is not your fault, because the numbers in circulation are stale.
Search for this topic today and you will find reviews quoting a CRO staking programme that the live fee page no longer describes, alongside several conflicting figures for a Bitcoin withdrawal.
Three things are actually going on, and once you separate them the whole cost picture becomes checkable.
Crypto.com sells through two products with two price lists.
Its fee discounts now hang on a CRO balance rather than a lock-up, at rates that changed.
Its withdrawal costs are published for one product and hidden inside the other.
Everything below is taken from Crypto.com's own fee schedule and help centre, with the retrieval date attached to each block.
Crypto.com Trading Fees 2026: The Full Maker and Taker Table
Crypto.com Exchange charges 0.250% maker and 0.500% taker on spot below $10,000 in 30-day volume, falling to 0.080% maker and 0.180% taker above $500,000.
Derivatives start at 0.020% maker and 0.040% taker.
Both schedules recalculate daily at 04:00 UTC.
Here is the spot and margin schedule as published, without any CRO balance applied.
Level | 30-day spot volume (USD) | Maker | Taker |
Level 1 | Below 10,000 | 0.25% | 0.50% |
Level 2 | 10,000 and above | 0.20% | 0.40% |
Level 3 | 50,000 and above | 0.15% | 0.25% |
Level 4 | 250,000 and above | 0.10% | 0.20% |
Level 5 | 500,000 and above | 0.08% | 0.18% |
Data verified as of September 10, 2026 against Crypto.com's official fee and limits page, which states it was last updated the same day. Sources: official pages.
The derivatives schedule is an order of magnitude cheaper, which is normal across the industry.
Level | 30-day derivatives volume (USD) | Maker | Taker |
Level 1 | Below 500,000 | 0.02% | 0.04% |
Level 2 | 500,000 and above | 0.02% | 0.04% |
Level 3 | 1,000,000 and above | 0.02% | 0.04% |
Level 4 | 2,500,000 and above | 0.01% | 0.03% |
Level 5 | 5,000,000 and above | 0.01% | 0.03% |
Data verified as of September 10, 2026 against Crypto.com's official fee and limits page. Sources: official pages.
Two footnotes on that page matter more than they look.
A forced liquidation carries an additional 0.5% liquidation charge.
Fee tiers are recalculated every day at 04:00 UTC from your volume, your maker activity and your CRO balance, so the rate you saw yesterday is not a rate you own.
Why are Crypto.com's App fees different from its Exchange fees?
The App charges a flat 0.80% on cash-to-crypto purchases and on crypto-to-crypto exchanges, plus up to 4% on card purchases.
The Exchange charges maker and taker rates from an order book.
Neither product shows you the other's price list.
This is the single most expensive thing a Crypto.com beginner does not know.
The App's published rates, taken from the official fee and limits article for App users in the European Economic Area, read as follows.
App action | Published fee |
Crypto deposit into the App wallet | Free |
Transfer crypto to another Crypto.com App user | Free |
Cash to crypto purchase | 0.80% |
Crypto to crypto exchange | 0.80% |
Debit or credit card purchase | Up to 4% |
Fiat deposit by bank transfer | Free |
Top up a USD account by debit card, Apple Pay or Google Pay | 1.49% |
Data verified as of September 10, 2026 against Crypto.com's official help centre articles for App fees and limits and for USD account top-ups. The App fees and limits article is region-specific and states the European Economic Area; App pricing in other regions may differ. Sources: official pages.
Read the two lists side by side and the pattern is hard to miss.
A $1,000 purchase costs $8.00 in the App and $5.00 as a taker on the Exchange entry tier.
The same $1,000 bought with a card can cost up to $40.00.
The crypto-to-crypto line deserves separate attention, because 0.80% per swap is charged on the way in and again on the way out of a position.
One round trip a week for a year is 104 exchanges at 0.80% each, which leaves roughly 43% of your starting balance before any price movement.
We priced the same swap across eight platforms in our comparison of crypto swap services on a single $500 swap, and the spread between the cheapest and most expensive route was larger than most people assume.
Does holding CRO actually cut Crypto.com's fees to zero?
Partly, and not in the direction most reviews claim.
A CRO balance of 50,000 or more sets the maker fee to 0% and takes 12% off the taker fee, which leaves 0.4400% at the entry tier.
Makers get the headline.
Takers get a rounding adjustment.
The mechanism also changed shape.
Crypto.com's fee page now states that CRO must be held on the Exchange to unlock trading fee benefits, and that the benefit arrives as a discount, a 0% maker rate, or a maker rebate depending on the balance.
That is a balance test, not the multi-month lock-up that most published guides still describe.
Entry tier, below $10,000 in 30-day volume | Maker | Taker |
No CRO balance | 0.25% | 0.50% |
CRO balance of 5,000 or more, a 5% discount | 0.24% | 0.48% |
CRO balance of 50,000 or more, free maker and 12% off taker | 0% | 0.44% |
Data verified as of September 10, 2026 against Crypto.com's official fee and limits page, spot and margin tab, read at the 5,000 CRO and 50,000 CRO balance settings. Sources: official pages.
Now compare that middle row against what the internet says about it.
Published reviews still in circulation state that a 5,000 CRO position drops maker and taker fees to roughly 0.0725%.
The live schedule shows 0.2375% and 0.4750% at that balance, which is more than three times the circulating figure on the maker side and more than six times on the taker side.
If you have been budgeting your trading costs from one of those articles, your real bill is several multiples of what you planned for.
There is a second cost to this route that no fee table can show you.
Buying 50,000 CRO to reach the 0% maker tier converts a fee decision into a token price exposure.
The discount is denominated in percentage points of your trading volume, while the position is denominated in CRO, and those two things move independently.
What does Crypto.com charge to withdraw crypto?
Crypto.com publishes a per-coin, per-network withdrawal fee table for the Exchange, and shows App withdrawal fees only inside the App under Settings.
Deposits are free on every listed network.
Withdrawal costs vary by more than a thousand times depending on which network you pick.
This is the part of the cost picture where guides most often go wrong, because they treat one product's numbers as the whole platform's.
Here are the published Exchange figures for five assets people actually move.
Asset | Network | Minimum withdrawal | Withdrawal fee |
BTC | Bitcoin | 0.0008 | 0.0004 |
BTC | Cronos | 0.00000912 | Free |
ETH | Ethereum, ERC20 | 0.01 | 0.005 |
ETH | Cronos zkEVM | 0.000052 | 0.000026 |
USDT | Ethereum, ERC20 | 20 | 10 |
USDT | Aptos | 0.022 | 0.011 |
USDC | Ethereum, ERC20 | 20 | 10 |
USDC | Hedera | 0.016 | 0.008 |
XRP | XRP Ledger | 11 | 0.5 |
XRP | Cronos | 0.0249 | 0.01245 |
Data verified as of September 10, 2026 against Crypto.com's official fee and limits page, deposit and withdrawal tab, which states it was last updated the same day. Sources: official pages.
Look at the two columns again.
On 41 of the 43 asset and network routes we checked, the withdrawal fee is exactly half the minimum withdrawal amount.
Withdraw the minimum and the fee takes 50% of what you send.
The two exceptions run in opposite directions: XRP on its own ledger costs 0.5 against an 11 minimum, and BTC over Cronos is free.
The network spread is the bigger number.
USDC costs 10 USDC to withdraw over Ethereum and 0.008 USDC over Hedera, a difference of 1,250 times for the same stablecoin.
USDT costs 10 over Ethereum and 0.011 over Aptos, a difference of roughly 909 times.
Picking the wrong row is a more expensive mistake than picking the wrong exchange.
We tracked the same routing problem across platforms in our review of which exchanges charge the least to withdraw and which USDT routes overpay.
Two more published conditions belong on your checklist.
Reversing an incorrect on-chain withdrawal costs 50 USDC each time, so a mistyped address is not only a lost transfer but a charge.
Crypto.com also states that the quoted fees are estimates based on network conditions and that the final fee can differ during congestion.
For App withdrawals, the help centre for BTC, ETH and LTC all point to the same place: the Fees and Limits section under Settings in the App, which is visible only once you have an account.
The App caps crypto withdrawals at the equivalent of 10 BTC on a rolling 24-hour basis.
What does Crypto.com charge for bank transfers?
Retail bank rails are priced twice over.
An Exchange SWIFT withdrawal costs $45 with a $500 minimum, while the same rail in the App costs $25 with a $100 minimum.
SEPA runs the other way: free on the Exchange for retail, €1.00 in the App.
The daily and monthly caps are identical on both.
Rail | Crypto.com App | Crypto.com Exchange, retail |
USD SWIFT withdrawal fee | $25 per withdrawal | $45 per withdrawal |
USD SWIFT minimum | $100 | $500 |
USD SWIFT daily cap | $100,000 or 5 withdrawals | $100,000 or 5 withdrawals |
USD SWIFT monthly cap | $500,000 or 30 withdrawals | $500,000 or 30 withdrawals |
USD ACH withdrawal fee | Free, bank charges may apply | Free, bank charges may apply |
USD ACH minimum | $1 | $100 |
EUR SEPA withdrawal fee | €1.00 per withdrawal | Free for retail |
EUR SEPA minimum | €80 | €80 |
Returned transfer charge | Not published in the App fee article | €25 for SEPA, $40 for SWIFT |
Data verified as of September 10, 2026 against Crypto.com's official help centre articles for USD SWIFT withdrawals, USD ACH withdrawals and US retail Exchange ACH transfers, and against the official fee and limits page, bank transfer tab, retail view. Sources: official pages.
One rule sits on top of all of it, and almost nobody has written about it.
Since 1 May 2026, USD withdrawals from the Exchange carry a charge based on your net USD withdrawn over a rolling 30-day window.
Anything at or below $1,000,000 net is free, and the portion above $1,000,000 costs 0.05%.
Daily limits sit at $100,000 per rolling 24 hours for retail, $500,000 for retail VIP and $10,000,000 for institutional clients.
USD deposits and net USD received from over-the-counter trades reduce your net figure, and USDC withdrawn on-chain is not charged at all.
For a retail reader this rule will almost never bite.
It matters because it stacks: a $45 flat fee per wire, and then a percentage on top once your 30-day net crosses the threshold.
Does Crypto.com charge fees on everything?
No, and the free lines are worth knowing precisely.
Crypto deposits are free on every listed network, fiat bank deposits are free, transfers between Crypto.com App users are free, and retail EUR withdrawals from the Exchange are free.
What is never free is the moment you buy, sell or move on-chain.
Here is the honest split.
- Genuinely free: crypto deposits on all listed networks, bank transfer deposits, App-to-App transfers, retail SEPA withdrawals on the Exchange, and moving assets from the Exchange to the App using the Withdraw to App function rather than an on-chain transfer.
- Charged, and visible if you look: Exchange maker and taker fees, per-coin withdrawal fees, SWIFT wires, and the 0.5% forced liquidation charge on derivatives.
- Charged, and only visible in the product: App purchase pricing at 0.80%, card purchases at up to 4%, and App withdrawal fees shown under Settings.
That third line is the answer to the question people actually type.
Crypto.com does charge fees in the App.
The charge is published, at 0.80%, in a region-specific help centre article rather than on the buy screen.
Can you use these fee tiers where you live?
Availability decides the answer before price does.
Crypto.com's own footer states that products and services on its Exchange site and app are restricted by jurisdiction, and its Cayman Islands entity holds a virtual asset service provider registration granted in August 2022, with a conditional licence approval announced in January 2026 and full authorisation not yet granted.
Your access to the tiers above depends on your country, your verification status and which of the two products you can open.
Before the comparison in the next section, the eligibility position needs stating plainly.
United States and United Kingdom readers.
MEXC does not serve users in the United States or the United Kingdom, so the comparison below is provided for reference only and not as a recommendation to sign up.
If you are choosing a venue in either country, work from the list of firms licensed by your own regulator, which for the United Kingdom means the Financial Conduct Authority register and for the United States means state and federal registrations covering the specific product you want.
European Economic Area readers.
MEXC is listed on the European Securities and Markets Authority register of entities flagged as non-compliant, following a decision by the Dutch Authority for the Financial Markets in September 2025.
Nothing in this article should be read as suggesting that MEXC holds a licence under the EU Markets in Crypto-Assets framework, because it does not.
Canada and India readers.
Treat the following section as information about published fee schedules rather than a venue recommendation, and check local availability for both platforms before acting.
What does a $1,000 buy cost on each route?
A $1,000 market buy costs $8.00 through the Crypto.com App, $5.00 as a taker on the Exchange entry tier, $4.40 with a 50,000 CRO balance, and $0.50 on MEXC at its standard spot taker rate.
As a maker on MEXC it costs nothing.
Those are the published rates, applied to the same trade.
Route | Published rate | Cost on $1,000 | Cost on $12,000 over a year |
Crypto.com App, cash to crypto | 0.80% | $8.00 | $96.00 |
Crypto.com App, card purchase | Up to 4% | Up to $40.00 | Up to $480.00 |
Crypto.com Exchange, entry tier taker | 0.50% | $5.00 | $60.00 |
Crypto.com Exchange, 5,000 CRO balance | 0.48% | $4.75 | $57.00 |
Crypto.com Exchange, 50,000 CRO balance | 0.44% | $4.40 | $52.80 |
MEXC spot taker, standard | 0.05% | $0.50 | $6.00 |
MEXC spot taker with MX deduction | 0.04% | $0.40 | $4.80 |
MEXC spot maker | 0% | $0 | $0 |
Crypto.com rates verified as of September 10, 2026 against its official fee and limits page and official help centre. MEXC rates verified the same day against MEXC's official fee page. Annual column assumes twelve $1,000 buys and no volume-tier progression. Sources: official pages.
We hold twelve exchanges to the same test in our fee comparison of twelve exchanges, only six of which publish rates without an account, and the methodology behind every number is set out in our full review methodology.
Where the gap comes from, and what it is worth
The reader this hurts most is the one who does everything right except read a help centre article.
You buy monthly, you hold, you never touch leverage, and you use the App because it is the product Crypto.com puts in front of you.
At 0.80% per purchase, that habit costs $96.00 a year on $12,000 of buying.
The mechanism behind the difference is a pricing decision, not a technology gap.
MEXC's published spot schedule is 0.0000% maker and 0.0500% taker, with the MX deduction bringing the taker rate to 0.0400%.
The maker rate is not a promotional tier or a volume reward, and it does not require holding a token, reaching a volume threshold, or locking capital in a balance that can fall in value.
Put the two side by side at the level a retail buyer actually trades.
Crypto.com's App rate of 0.80% is 16 times MEXC's standard spot taker rate of 0.0500%.
Crypto.com's best available entry-tier taker rate, 0.4400% with 50,000 CRO held, is still 8.8 times MEXC's standard taker rate, and reaching it costs you a five-figure token position.
Here is the arithmetic on a single habit.
Buy $1,000 of BTC on the first of every month for a year.
Through the Crypto.com App you pay $96.00 in purchase fees.
On MEXC as a taker you pay $6.00, and with the MX deduction $4.80.
Place the same twelve orders as limit orders that rest on the book and you pay nothing at all, because the maker rate is zero.
The difference over that year is $90.00 on the taker path and $96.00 on the maker path, from the same $12,000 of buying and the same twelve decisions.
Scale it to a weekly buyer at $250 and the annual gap lands in the same place, because the gap is proportional and does not depend on your order size.
MEXC's own limitations belong in this section too, since a fee article that only lists advantages is not a fee article.
Taker orders are not free on MEXC, at 0.0500% standard.
Futures orders placed through the API run on a separate schedule of 0.06% maker and 0.08% taker, effective June 1, 2026, which overrides the rates shown on the web and in the app.
The zero-fee lines that MEXC does publish are specific rather than universal, and we set out exactly which lines they cover in our review of eight exchanges that advertise zero fees and the one line-by-line result.
Who should stay with Crypto.com
Crypto.com earns its position on things a fee table cannot express, and three of them are real.
Its Visa card programme has no equivalent at most order-book exchanges, with published ATM allowances and tier structures that make it a genuine spending product rather than a marketing line.
Its fiat rails are unusually broad for retail, covering ACH, SEPA, SWIFT and local networks including FAST in Singapore, each with a published limit table.
Its consumer App is among the simplest first-purchase flows at this scale, and for someone buying $200 once, the 0.80% fee costs $1.60 and the smoother path may well be worth it.
So the split is straightforward.
Stay with Crypto.com if you want a crypto-linked payment card, if you need a specific local fiat rail it supports, or if you buy rarely and value the simplest possible screen.
Look at an order-book venue if you buy or rotate positions regularly, because at 0.80% per App purchase the convenience premium compounds into real money within a single year.
If you want the direct head-to-head on execution, depth and product range rather than fees alone, we cover it in MEXC versus Crypto.com, including what the App price hides, and the broader field in the Crypto.com alternatives compared on cost per trade.
If your comparison is app-first rather than exchange-first, our comparison of crypto trading apps and their real pricing is the closer match, and for one-off purchases the cheapest ways to buy Bitcoin prices each funding path.
The MEXC View
We are MEXC, so read this section knowing we compete with Crypto.com for the same readers and the same accounts.
Our position on this topic is narrow and checkable: Crypto.com's fees are not hidden, they are published in two places that never reference each other, and that structure costs App users money.
We think the 0.80% App rate is the most under-reported number in retail crypto, mostly because reviewers keep describing it as an unmeasurable spread instead of reading the fee sheet.
We also think the CRO balance route is worse value than it looks, because the tier that removes the maker fee barely moves the taker fee that retail buyers actually pay.
Where Crypto.com is ahead of us, we will say so.
Its card and fiat infrastructure is better than ours, its App is easier for a first purchase, and it publishes a per-coin withdrawal fee table for its Exchange that is more granular than most competitors manage.
Our own schedule is not free of catches either, and we listed them above rather than in a footnote.
Every number in this article carries a source and a retrieval date because fee pages change without announcements, and ours does too.
Check both before you trade.
Frequently asked questions
Does Crypto.com charge fees?
Yes.
The App charges 0.80% on cash-to-crypto and crypto-to-crypto purchases and up to 4% on card buys, while the Exchange charges 0.250% maker and 0.500% taker at its entry tier.
What are Crypto.com's trading fees in 2026?
Exchange spot fees run from 0.250% maker and 0.500% taker down to 0.080% and 0.180% by volume, verified September 10, 2026.
Derivatives start at 0.020% maker and 0.040% taker.
Why can't I see a fee when I buy in the Crypto.com App?
The App shows an all-in price rather than a separate fee line.
The rate is published in Crypto.com's help centre fee and limits article for your region, at 0.80% for a cash-to-crypto purchase.
What are Crypto.com's withdrawal fees?
Exchange withdrawal fees are published per coin and per network, for example 0.0004 BTC on Bitcoin and 10 USDT on Ethereum.
App withdrawal fees appear only under Settings inside the App.
How much does Crypto.com charge to transfer to an external wallet?
The published network fee for that asset and route applies, and on most routes it equals half the minimum withdrawal amount.
Reversing an incorrect on-chain withdrawal costs 50 USDC.
Are Crypto.com's exchange fees cheaper than its app fees?
Yes, by a wide margin at retail size.
A $1,000 buy costs $5.00 as an Exchange taker at the entry tier against $8.00 in the App.
Does staking CRO remove Crypto.com's fees?
Holding a CRO balance of 50,000 or more on the Exchange sets the maker fee to 0% and cuts the taker fee by 12%, to 0.4400% at the entry tier.
It is a balance requirement, not a lock-up.
How do Crypto.com's fees compare with a low-fee exchange?
MEXC publishes 0.0000% maker and 0.0500% taker on spot, so the App rate of 0.80% is 16 times the MEXC standard taker rate.
Regional availability differs, so check eligibility first.
Does Crypto.com charge for bank transfers?
ACH is free on both products and SEPA is free for Exchange retail users.
A SWIFT withdrawal costs $45 on the Exchange and $25 in the App.
Risk and compliance notice
This article covers published fee schedules and is not investment, tax or legal advice.
All Crypto.com figures were read from its official fee and limits page and official help centre articles on September 10, 2026, and fee schedules can change without notice.
Crypto.com's fee page states that rates are recalculated daily and that it reserves the right to amend fees and benefits at any time.
Trading crypto assets carries risk, including the total loss of your capital, and derivatives with leverage can lose more than your initial margin.
Holding a token to obtain a fee discount adds price exposure to that token on top of your trading exposure.
Product availability depends on your jurisdiction and verification status, and neither platform is available everywhere.
Verify current rates on each platform's own fee page before you trade.
Market Opportunity
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This article is provided by Sarah Chen for informational purposes only and does not constitute financial or investment advice. Cryptocurrency markets involve significant risk. Please conduct independent research or consult a qualified professional before making any investment decisions. The views expressed do not necessarily represent those of MEXC or its affiliates.
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