Crypto.com Fees: A Complete Guide to Costs and Charges

Crypto.com offers a wide array of features designed to make trading as accessible as possible. However, with great power comes great responsibility—or, in this case, great fees. Different fees can apply to trading, deposits, withdrawals, and even transfers. Each action you take on the platform can have a cost associated with it, which is why it's essential to familiarize yourself with the Crypto.com fee structure.

So, let's break down the various Crypto.com fees and explore how to minimize these costs. I can say upfront that Crypto.com fees are in the middle tier, but they're not the lowest, especially compared to the 0.1% trading fees incurred by Bybit or Binance.

That said, trading fees are not the only ones you should worry about. From deposit and withdrawal fees to the hidden charges you might encounter, I’ll cover all the bases. By the end of this article, you’ll have a comprehensive understanding of the fee landscape and how to navigate it like a pro.

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Crypto.com Fees Overview

Before diving into the specifics of Crypto.com fees, it’s important to understand the structure that underpins them. Like most crypto exchanges, Crypto.com transaction fees can vary depending on your activity level, how much liquidity you're bringing to the market and the type of orders you place.

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However, it's worth noting that all users must go through a Know Your Customer (KYC) process. KYC typically involves submitting a government-issued ID to ensure a safe environment for all users.^[1] Once you’re verified, you can enjoy a more secure and smooth experience, whether you're dealing with deposits, trading, or even Crypto.com withdrawal fees to the bank. 

Speaking of fees, let’s take a closer look at what happens when you top up your account. Crypto.com deposit fees are among the first fees you’ll encounter, so it’s important to understand what to expect when funding your account or making crypto deposits.

Deposit Fees

When it comes to Crypto.com fees, depositing funds is one area where things get pretty simple, and not in a "too good to be true" kind of way—it's just straightforward. First things first: there are no Crypto.com deposit fees if you're sending cryptocurrency to your account.

Yep, you read that right. No extra charges for transferring your Bitcoin, Ethereum, or any of the other supported cryptos. That’s a refreshing change compared to some platforms that hit you with sneaky fees whenever you try to deposit.

With Crypto.com, hidden fees aren’t something you need to worry about in terms of deposits. They’ve kept things pretty transparent on that front.

However, there’s just one thing you have to know about: your crypto won’t immediately show up in your account. Don't panic, though; it's not a glitch.

Crypto.com requires a certain number of blockchain confirmations before your deposit is unlocked. For example, Litecoin needs 6 confirmations on most exchanges, but Crypto.com wants a solid 12 just for extra security.

To give you a better idea, here’s a quick snapshot of the number of confirmations required for other popular cryptocurrencies on the platform:

Table: Required confirmations for deposit on Crypto.com.

Now, what's the deal with these confirmations? Well, think of them as a way to make sure your transaction is legit and safe. It’s like waiting for the “all clear” signal before crossing the street.

Until your deposit has passed the confirmation process, your funds will be stuck in a "pending" status. During this time, you might be unable to do other things with your account, like withdraw or transfer. Once the confirmations roll in, your crypto is good to go, and you can get back to business.

You might be thinking: “Okay, but what if I’m in a country with some extra regulations?” Crypto.com has you covered there as well.

If you’re in a country where the Travel Rule applies, like the UK or Singapore, you’ll need to provide additional info about your deposit. Crypto.com will prompt you to do so via a pop-up. It’s a small step but an important one to keep everything compliant and above board.

What about accidental deposits? Mistakes happen, right? Maybe you accidentally sent an unsupported token, or maybe you missed a tag or memo (those tiny details that always sneak by when we’re not looking). In these cases, Crypto.com offers a recovery service to help you out. There’s a fee for this, though.

Crypto.com transaction fees for recovery can go up to 150 USDT/USDC, depending on the situation, and unfortunately, not all funds can be retrieved. So, double-check those addresses and memo fields to avoid the headache later.

Withdrawal Fees

After tackling the ins and outs of deposits, the next big question on your mind is likely, “What are Crypto.com fees for withdrawing to an external wallet or bank?”

To begin with, Crypto.com withdrawal fees can vary depending on the asset you're moving and the network involved.

Generally, more popular or slower networks tend to have slightly higher costs, while faster networks may offer more competitive rates. These fees, which cover on-chain transaction costs, are settled in the cryptocurrency you’re withdrawing and cannot be paid using CRO (Crypto.com's native token).

Crypto.com also sets specific minimum and maximum withdrawal limits for each asset. It’s worth visiting their official site for the latest details, as these limits can vary depending on the cryptocurrency and the network’s current demand.

For instance, if you want to withdraw Bitcoin, there’s a Crypto.com withdrawal fee of 0.0006 BTC, and you’ll need a minimum of 0.0012 BTC to initiate the withdrawal. Here’s a quick overview of some popular withdrawal fees and minimums on Crypto.com:

• Bitcoin: 0.0006 BTC withdrawal fee, 0.0012 BTC minimum
• Ethereum: 0.005 ETH withdrawal fee, 0.01 ETH minimum
• Solana: 0.012 SOL withdrawal fee, 0.024 SOL minimum
• Ripple: 0.5 XRP withdrawal fee, 21 XRP minimum
• Dogecoin: 6 DOGE withdrawal fee, 12 DOGE minimum

If you're withdrawing fiat, Crypto.com supports USD and EUR transfers, with fees based on the method used. For example:

• Wire Transfer (USD): $45 per withdrawal
• SEPA Transfer (EUR): No fees charged.
• ACH: Crypto.com doesn’t charge any fees for this service, but your bank may charge a separate fee.

By understanding Crypto.com withdrawal fees, you'll be better equipped to make informed decisions about transferring your assets. Whether you're moving crypto to a personal wallet, an exchange, or cashing out to a bank account, knowing the withdrawal costs helps you manage your crypto efficiently.

Margin Fees

If you're thinking about diving into margin trading on Crypto.com, there are a few things you should know.

For starters, margin fees come into play when you trade with more than what's in your wallet by borrowing funds to boost your trading power. It's kind of like using leverage to get more bang for your buck; however, it can work both ways.

In margin trading, you can use eligible Virtual Assets in your wallet as collateral to take positions that go beyond your available balance. Let’s say you want to short Ethereum but don’t have any ETH in your wallet—it’s no problem!

You can still sell ETH just by incurring a negative ETH balance as long as you’ve got enough collateral to back it up. Activities like these might also intersect with Crypto.com selling fees, especially when closing positions.

Now, leverage sounds like a dream, right? You can make bigger trades than usual, and if the market moves in your favor, your profits can soar.

Here’s the thing: leverage can be a double-edged sword. If the market moves against you, your losses can be just as amplified. Imagine you’ve got 0.1 BTC in collateral, but you’re trading with 1 BTC worth of assets—just a 5% market swing could result in a 0.05 BTC loss. That’s a 50% loss of your margin!

While you’re at it, don’t forget about the daily and annual interest rates that apply when you’re using margin. For instance, borrowing Ethereum comes with a daily interest rate of 0.0600% and an annual rate of 21.90% but may lower depending on the CRO you hold. These fees might seem small on the surface. However, they add up over time, especially if you’re holding a margin position long-term.

Crypto.com also gives you the option to lock up CRO tokens, which can be a game-changer. By holding 5,000 CRO in your wallet as collateral, you may be eligible for better terms on these interest rates, depending on your account level and the asset you’re borrowing.

So, while Crypto.com margin fees give you that extra trading power, it's essential to keep your eyes wide open and fully understand how leverage can both boost your potential profits and take a big bite out of your assets. It's not all sunshine and rainbows.

If you use it wisely, though, it can definitely be a tool in your trading arsenal. Just make sure you’re comfortable with the risk before jumping in!

Trading Fees

Moving to Crypto.com's trading fees, they’re structured similarly to other major exchanges. Just like on Bybit or other platforms, Crypto.com maker-taker fees play a significant role in how costs are calculated and directly impact your profitability, particularly when considering Crypto.com selling fees during active trading.

If you're new to the crypto world, you might be wondering, what is liquidity? So, trading fees depend on whether you’re adding or removing liquidity.

• Taker fees apply when your order is executed immediately and removes liquidity from the market.
• Maker fees apply when your order is placed in the order book but isn’t filled immediately, adding liquidity to the market.

These Crypto.com exchange fees are calculated based on your 30-day spot trading volume. Hence, if you're an active trader, you'll be rewarded with lower fees as you increase your trading volume. The more you trade, the more you can save—this is a great incentive if you're constantly making trades.

To give you an idea of how the fee structure works: maker fees start at 0.2500% for balances under $10,000, and they can go down all the way to 0% for balances of $10 million or more. Taker fees, on the other hand, start at 0.5000% but drop to 0.0500% at higher volume levels.

For select pairs, Crypto.com taker fees can even be as low as 0.025%. These low fees are designed to encourage high-volume trading, and they can really add up if you’re making significant trades.

The fees for Perpetual, Futures, and Warrant Contracts follow the derivatives maker/taker fee rates, meaning the same fee structures apply to Crypto.com futures fees. As with other trades, it’s important to consider how your position as a maker or taker can impact the fees you pay.

Having said that, these fees are subject to change, so it's best to refer to Crypto.com's Fees & Limits page for the latest updates on derivatives fee structures and rates.

You’ll also notice that Crypto.com offers additional benefits based on how much CRO you lock up on the exchange. Depending on the amount of CRO you stake, you could unlock reduced fees, 0% maker fees, or even rebates on maker fees—pretty handy perks for frequent traders.

In addition, Forced Liquidation carries its own cost. If this happens, you’ll be charged an extra 0.50% fee automatically added to the Insurance Fund. Thus, while the potential for higher returns through leverage is appealing, it’s essential to remember that margin and futures trading can also lead to extra fees and risks.

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Swap Fees

When using Crypto.com, swap fees come into play for transactions powered by decentralized exchanges (DEX). The pricing for native swaps is determined by the DEX that powers the transaction.

You’ll also need to account for gas fees to send these transactions on-chain, which can vary depending on the network conditions. In the advanced settings, you can tweak your gas fees and slippage settings for more control over your swap, adjusting them to suit your needs.

The swap output is an estimate, so you’ll receive at least the “minimum received” (if you specified the From amount) or the maximum sold amount (if you specified the To amount).

However, if there’s a large, unfavorable price movement before the swap is confirmed, the transaction will revert. The advanced settings offer 3 speed levels: Slow, Average, and Fast. Naturally, the faster the transaction speed, the more you’ll need to pay in gas fees or Gwei.

Occasionally, you might run into an "Insufficient Output Amount" error, especially if there’s a sudden spike in swap volume for the token pairs you’re trading. If that happens, your input tokens will be returned, but the network gas fee will be spent. While Crypto.com swap fees may not be as high as you’d find elsewhere, it’s essential to factor in these potential variables when planning your trades.

Card Fees

The Crypto.com Card is like your everyday prepaid debit card, except it’s fueled by crypto. You load it up through the app using either your crypto or fiat. However, if you’re loading crypto, it gets converted to fiat (USD, EUR, GBP) before it hits your card. So, you're not actually spending crypto directly here, as there's a fiat conversion in process.

If you're using the card to pay in EUR or GBP, you're in luck—you'll only be charged a 0.2% fee. Meanwhile, if you’re making a purchase or ATM withdrawal in a currency other than USD, EUR, or GBP, be prepared for a foreign transaction fee of 2%. This applies to all users with the Midnight Blue, Ruby Steel, Royal Indigo, or Jade Green cards.

ATM withdrawals can be convenient, although they do come with a 2% fee if you exceed your monthly free ATM limit. That means after you’ve hit the free withdrawal limit, any additional withdrawals will be subject to that 2% fee. Plus, don’t forget that ATM providers may charge their own fees, which are tacked on top of your Crypto.com ATM fees.

Moreover, topping up your card with funds incurs a 1% fee each time you load the card, whether with crypto or fiat. While this Crypto.com top-up fee is pretty standard for prepaid cards, it's something to be aware of, especially if you top up regularly.  

In terms of account management, if you don’t use your card for 12 months, there’s an inactivity fee of $4.95 per month. It’s also a small fee, but it can add up over time. Fortunately, once you make a transaction again, the fee stops. Your 12-month inactivity period will reset, so it's not a permanent charge if you decide to use your card again after a break.

How to Avoid Fees on Crypto.com

Nobody likes paying additional fees, especially when there are ways to avoid them. With Crypto.com fees, you might wonder how you can cut down on those extra costs. Luckily, there are a few tricks to minimize fees and keep your transactions cost-effective. Let’s walk through some simple steps to reduce or even completely avoid Crypto.com fees.

Withdraw to the Crypto.com App

Let’s face it—Crypto.com fees can sometimes feel like a small leak in a bucket, constantly draining your funds. But here’s a clever way to avoid paying unnecessary fees: use the “Withdraw to App” function. This little hack lets you bypass the transaction fees that usually come with external wallet withdrawals.

When you withdraw from the Crypto.com exchange, you're sending crypto to an external crypto wallet or another exchange, which always carries a transaction fee. However, if you're withdrawing to the Crypto.com Wallet app, you can steer clear of those fees altogether—no extra charges, no hidden tolls.

So, if you're looking to withdraw to an external wallet (like Trezor Safe 5) or another exchange, here’s how to avoid fees on the Crypto.com withdrawal process:

Step 1: First things first, log in to your account. Once done, click [Crypto Wallet] to access your funds.

Step 2: Find the cryptocurrency you want to withdraw and click [Withdraw].

Step 3: You’ll see two options: "Withdraw to an external wallet address" or "Withdraw to Crypto.com App". Select [Withdraw to Crypto.com App] to avoid fees and enter the amount you want to withdraw.

Step 4: Click [Review Withdrawal] to check your details, then click [Confirm Withdrawal] when you’re done.

Step 5: Input your SMS OTP and Google verification code for extra security. Your crypto will transfer to the app instantly, with no Crypto.com transfer fees applied.

By following these simple steps, you can move your crypto to the app with no fees and avoid unnecessary charges when transferring to an external wallet.

Stake CRO to Reduce Fees

As I’ve touched on earlier in this Crypto.com Fees article, staking CRO, Crypto.com’s native currency, is one of the noteworthy ways to reduce extra costs. It’s like getting VIP access to discounted fees across the platform.

Staking CRO doesn’t just reduce fees—it can unlock some pretty sweet benefits depending on how much you stake. The more CRO you stake, the better the perks. For frequent traders, this can mean 0% Crypto.com maker fees or even getting paid to trade through negative maker fees.

Here’s how to avoid fees on Crypto.com when staking CRO:

Step 1: Log in to your Crypto.com account. Navigate to the menu and select [Staking]. Choose CRO from the list of available assets to stake.

Step 2: Decide how much CRO to stake. Then, review the staking details and agree to the Staking Terms & Conditions. Tap [Confirm Stake] to finalize your staking request.

Step 3: Use your passcode or Face/Touch ID to authorize the transaction. CRO staking will then activate your Crypto.com trading fee benefits, helping you reduce costs while earning passive rewards.

By now, I'm sure you already know that staking CRO is one of the straightforward ways to lower Crypto.com fees and get more out of the platform’s features. Thus, it’s a win-win situation for frequent traders or anyone looking to cut down on expenses.

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Withdraw Fiat Using ACH

Looking for another way to sidestep Crypto.com fees? Withdrawing fiat via ACH (Automated Clearing House) might be your best bet. Mind that this option only supports USD withdrawals.

ACH transfers are popular for a reason—they’re straightforward and widely accepted. You can withdraw your funds directly into your linked bank account without worrying about blockchain network fees or complicated steps.

Compared to wire transfers, which often come with hefty fees, ACH is a more wallet-friendly choice for US users. That said, ACH transfers typically take 1-3 business days to process.^[2] Therefore, it might not be the fastest option if you’re in a rush.

However, Crypto.com doesn’t charge any fees for this service, so it is an attractive option for users wanting to cash out their funds. However, while Crypto.com waives fees on its end, your bank might have its own fee policy for ACH transfers. Always double-check with your bank to avoid surprises.

To withdraw fiat via ACH on Crypto.com, follow these steps:

Step 1: Open the Crypto.com App and go to the [Fiat Wallet] under the [Accounts] tab.

Step 2: Tap [Transfer], then choose [Withdraw] → [USD].

Step 3: Review the submission process and tap [Got it].

Step 4: Enter the withdrawal amount and select the linked bank account to receive the funds.

Step 5: Double-check the details and confirm the withdrawal request.

It’s that simple! By using ACH withdrawals, you can cash out your crypto earnings without Crypto.com fees eating into your funds. Just remember to monitor your bank’s potential charges, and you’ll be good to go.

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Conclusion

Throughout this guide, we’ve explored the nuts and bolts of Crypto.com fees, shedding light on everything from trading and withdrawal fees to tips on how to avoid fees on Crypto.com entirely. Whether you’re a frequent trader or someone cashing out occasionally, knowing how to avoid unnecessary charges can make all the difference.

If you're looking to stake CRO and enjoy fee reductions, consider using a hardware wallet like the Ledger Flex or Trezor Safe 5 for an added layer of protection. By pairing it with the Crypto.com DeFi Wallet, you can enjoy peace of mind that your assets are safe from online threats.

Ultimately, navigating Crypto.com fees doesn’t have to be a headache. With the right strategies and a bit of planning, you can keep more of your crypto in your pocket. I hope this guide helps you make informed decisions and find the best ways to avoid Crypto.com fees!

The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.

Scientific References

1. Schlatt, V., Sedlmeir, J. Feulner, S., Urbach, N.: 'Designing a Framework for Digital KYC Processes Built on Blockchain-Based Self-Sovereign Identity';

2. Tompkins, M., Olivares, A.: 'Clearing and Settlement Systems from Around the World: A Qualitative Analysis'.