Crypto.com review
All-in-one app with Visa card
The story
Crypto.com started in 2016 (originally as Monaco) under Kris Marszalek and grew through bold marketing — from F1 sponsorship to the Crypto.com Arena — to over 100 million users. In Europe it has been MiCA-licensed via the MFSA in Malta since early 2025. Its strength is the ecosystem: app, exchange, Earn and the well-known cashback Visa card.
What they stand for
- Visa card with cashback across Europe
- Hundreds of coins, app + Exchange
- MiCA/CASP via MFSA (Malta)
Products & services
Security & trust
- ISO/IEC 27001 · PCI DSS
- Cold storage
- MiCA — MFSA (Malta)
- App + Exchange, one account
Where it falls short
- A purchase in the app costs 0.80% and by card that runs up to 4%; well above a flat 0.15%.
- The ecosystem is broad but fragmented: app, Exchange, Earn and the card each carry their own terms.
Next to two alternatives
Same category, different trade-offs. We don't choose for you — we put them side by side.
| Regulation |  Crypto.comThis page |  OKX |  Bybit |
|---|---|---|---|
| Regulation | MiCA — MFSA (Malta) | MiCA — MFSA (Malta) | MiCA — FMA (Austria, 2025) |
| What you get | No live offer | Up to €400 in rewards, rising with your trading volume | 10% cashback up to €120 plus 100% on subscriptions up to €50 |
| Code needed | Not needed | 78453622 | Not needed |
| — |
There is currently no Crypto.com offer through Cryptocode. As soon as a new one is available, you will find it here.
Frequently asked questions about Crypto.com
Is Crypto.com trustworthy?
Crypto.com holds a European authorisation: MiCA — MFSA (Malta). An authorisation tells you who supervises the firm; it does not protect you if prices fall.
Which country is Crypto.com from?
Crypto.com has been around since 2016. Based in: Singapore · EU hub: Malta.
What does Crypto.com cost?
In the app 0.80% per purchase or swap; card payment separate, up to 4%.
Does Crypto.com have a promo code or welcome bonus?
There is currently no offer for Crypto.com through CryptoCodes.eu.
What are the downsides of Crypto.com?
A purchase in the app costs 0.80% and by card that runs up to 4%; well above a flat 0.15%. The ecosystem is broad but fragmented: app, Exchange, Earn and the card each carry their own terms.