EU · MICA
Crypto.com review
Biggest card rewards — but buyer beware
The verdict
6.7 / 10 · CONSIDER
The most feature-rich crypto card program globally, but a 1.3 Trustpilot score and a collapsed CRO token make it hard to recommend without caveats.
◆ BUY IT IF
- Largest crypto Visa card program globally
- Up to 8% cashback in CRO on all spending
- 350+ cryptocurrencies — widest selection reviewed
- NFT marketplace and DeFi wallet built in
◇ SKIP IT IF
- 1.3/5 Trustpilot — worst score among major crypto banks
- CRO token crashed 90%+ from ATH — rewards worth much less
- Accounts frequently frozen with poor resolution
- High CRO stake required for best card tiers
§ 01 SCORE BREAKDOWN
Eight axes, weighted.
DIMENSION WEIGHT RATING SCORE
Regulatory safety
MiCA CASP authorisation via Foris DAX MT Limited (Malta, MFSA). FCA registered UK; MAS licensed Singapore; var
Card & IBAN
Debit card without native IBAN
Yield
Up to 14.5% APY
Coin selection
350 coins supported
App UX
Transparency
Proof of Reserves, public filings, incident history
Fees & spreads
Card tier benefits depend on CRO stake value, which fluctuates with token price
Support
§ 03 SPECIFICATIONS
Everything, in one table.
Regulation
- Regulatory status
- MiCA CASP authorisation via Foris DAX MT Limited (Malta, MFSA). FCA registered UK; MAS licensed Singapore; various crypto licences globally.
- FDIC insurance
- No
- MiCA compliant
- Yes
- Founded
- 2016
- HQ
- Singapore
Fees
- Monthly account fee
- Free
- Trading fee
- 0.4%
- Withdrawal fee
- variable by asset
Yield & products
- Earn yield
- up to 14.5% APY (Earn program, CRO staking)
- Max APY
- 14.5%
- Staking
- Yes
- Crypto-backed loans
- Yes
- Supported coins
- 350
Banking
- IBAN
- No
- Debit card
- Yes
- DeFi access
- Yes
- NFT support
- Yes
Regions
- Regions available
- EU, UK, US, Asia, LatAm, Africa, AU, GCC, CA, JP, SEA, India, Nigeria, Kenya, RU
- Markets served
- Global, 90+ countries, GCC
Support
- Trustpilot
- 1.3/5 · 11,000 reviews
Watch-outs
- Applies to: RewardsThe best card cashback and rates require large CRO stakes, and rewards are paid in CRO — a token well below its 2021 peak.
- Applies to: SupportAmong the lowest Trustpilot scores of the platforms we track; users report slow, scripted support.
Historical APY
§ 04 FAQ
Frequently Asked Questions
Is Crypto.com safe? +
Crypto.com has a regulatory status of: MiCA CASP authorisation via Foris DAX MT Limited (Malta, MFSA). FCA registered UK; MAS licensed Singapore; various crypto licences globally.. The platform is MiCA compliant. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Crypto.com? +
Crypto.com currently offers up to 14.5% APY. Rate as of 2026-06-17. Rates change — always check the platform for current rates before depositing.
Where is Crypto.com available? +
Crypto.com is available in: EU, UK, US, Asia, LatAm, Africa, AU, GCC, CA, JP, SEA, India, Nigeria, Kenya, RU. Markets served: Global, 90+ countries, GCC.
Does Crypto.com have a debit card? +
Yes. Crypto.com offers a debit card.
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