Fees and features as of Oct 2026 Checked against vendor pages on October 15, 2026. Fees change; always confirm in the app's order preview.
Crypto.com may charge an admin fee on buys and sells, shown in the trade preview. Debit card and Apple Pay/Google Pay top-ups to a USD account cost 1.49%, and eligible new users get 0% card fees for 7 days after verification. A Level Up subscription is advertised for zero trading fees.
Not financial advice. This is a general, educational comparison of features and published fees. It is not a recommendation to buy, sell or hold any crypto asset. Crypto prices are volatile and you can lose money.
What Crypto.com publishes
| Item | Published rule |
|---|---|
| Buying, selling or transacting | An admin fee may apply, based on market conditions, promotions, volatility and liquidity; shown in the trade preview |
| USD top-up by debit card | 1.49% |
| USD top-up by Apple Pay / Google Pay | 1.49% |
| Top-up limits | $10 minimum per transaction; $10,000 a month |
| Accepted cards | Visa Debit, Mastercard Debit / Maestro issued by a US financial institution |
| Saved cards | Up to 5 |
| Crypto.com card as a top-up source | Not possible; rejected by policy |
| New-user card fee waiver | 0% card and Apple Pay/Google Pay fees for up to 7 days after verification, eligible users |
| Waiver-eligible trades | One-time buy, recurring buy, crypto basket purchases; stablecoin trades excluded |
| After the waiver | Card fees apply; Crypto.com points to Level Up for zero trading fees |
Last verified Oct 2026 against official vendor pages.
Worked examples: card top-ups
| Top-up | Crypto.com fee (1.49%) | Lands in USD account* |
|---|---|---|
| $100 | $1.49 | $98.51 |
| $1,000 | $14.90 | $985.10 |
| $10,000 | $149.00 | $9,851.00 (uses the whole $10,000 monthly limit) |
Last verified Oct 2026 against official vendor pages.
*Assuming the fee is taken from the amount entered. The app's confirm screen shows the amount, fee and topped-up amount separately, so check which way round it works for you. Your card issuer may add its own fee. The admin fee on any later purchase is separate and shows in the trade preview.
Recurring top-ups over a year
The 1.49% fee adds up if you fund little and often. Over 12 months:
- $100 a month: 12 × $1.49 = $17.88 a year.
- $100 a week: 52 × $1.49 = $77.48 a year.
- $800 a month: 12 × $11.92 = $143.04 a year, still under the $10,000 monthly cap.
Fewer, larger top-ups don't change the percentage, but they do mean fewer chances for a decline or a card-issuer fee per transaction. Admin fees on each purchase are separate.
Making the new-user waiver count
The waiver is the most useful published perk for a beginner, and the easiest to waste. The clock starts when you finish verification, not when you download the app. Crypto.com's example: verify on September 1 at 04:00 UTC and the waiver ends September 7 at 23:59:59 UTC. It can also be shorter if you signed up before a campaign started or if the campaign is near its end, and the app shows the time left.
- Verify only when you are ready to make your first purchase.
- Use an eligible trade type: one-time buy, recurring buy or crypto basket.
- Stablecoin purchases do not get the waiver.
- Check Settings > Fees & limits in the app to see what applies to you.
Waiver, worked
Say you complete verification and, three days later, make a $500 one-time buy funded by debit card. If you are eligible, the card fee on that buy is 0%. After the waiver ends, the same card fee at 1.49% would be $7.45. A $500 stablecoin purchase in the same window would not get the waiver.
Who is eligible: Crypto.com App users who completed verification after September 26, 2022 (04:00 UTC) and don't live in the United Kingdom or Singapore, among "select" users. Only eligible users will see the waived fees, so if the preview still shows a card fee, you are not getting the waiver on that trade.
Topping up, step by step (app)
- Open your USD account and choose Deposit.
- Choose Debit Card.
- Pick a saved debit card, Apple Pay or Google Pay, or add a payment method.
- Enter the amount ($10 minimum).
- Accept the card fee and confirm the card belongs to you.
- Confirm the amount, fee and topped-up amount.
On the web, the same flow starts from the Deposit button at the top right after you log in at web.crypto.com; you tick two boxes to acknowledge the fee and confirm card ownership.
If a top-up is declined
Crypto.com lists the common causes: the 3-D Secure check wasn't completed in time, or your card issuer's risk rules blocked it. If the app says to use a locally issued card even though yours is from the US, its advice is to delete and re-save the card. A credit card used through Apple Pay or Google Pay may also be declined.
Pros, cons and catches
Crypto.com
Pros
- A flat, published card top-up rate that's easy to plan around.
- A real welcome window: up to 7 days of 0% card fees for eligible users.
- Clear app and web top-up flows, with the fee shown before confirming.
Cons
- The admin fee on trades is variable and not published as a number.
- $10,000 monthly cap on card top-ups.
- Only US-issued debit cards for USD top-ups; no credit cards.
Catches
- The waiver clock starts at verification and can be shorter near a campaign's end.
- Stablecoin trades are excluded from the waiver.
- Your bank may charge its own fee on top of the 1.49%.
Who it's for, and who it isn't
Good fit: beginners who will fund by US debit card or Apple Pay, plan their first buy, and want to use the waiver. Poor fit: people who want every trading fee in writing beforehand, or who need to put in more than $10,000 a month by card. Compare with our Coinbase review, and see how to buy crypto safely before you start.
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FAQ
Does Crypto.com charge fees to buy crypto?
It may charge an admin fee shown in the trade preview before you submit. Your card issuer may add fees.
How long is the Crypto.com new-user fee waiver?
Up to seven days after you complete account verification, for eligible users.
Can I use a credit card to top up a Crypto.com USD account?
Its help page says only debit cards are supported for USD account top-ups.
How much is the fee on a $1,000 card top-up?
$14.90 at 1.49%, plus anything your card issuer charges.
What is the most I can top up by card?
$10,000 a month across debit card, Apple Pay and Google Pay, with a $10 minimum per transaction.
Does the waiver apply to stablecoins?
No. Crypto.com excludes stablecoin trades from the 0% card-fee waiver.
Can I top up with my Crypto.com card?
No. Crypto.com says that transaction will be rejected.
How many cards can I save?
Up to five.
How we checked
On October 15, 2026 we re-read each official page listed under Sources and copied only the numbers and rules stated there. Worked examples are simple arithmetic on those published rates; where a fee is variable (spreads, admin fees, network fees), we say it shows on the order preview instead of guessing. Anything we could not confirm is left out or marked "Not published". We did not open accounts or place trades for this guide, and nothing here is investment advice.
Sources
- Crypto.com: Does Crypto.com charge fees for crypto purchases?: https://help.crypto.com/en/articles/4494840-does-crypto-com-charge-any-fees-for-crypto-purchases
- Crypto.com: Top up USD account via debit card, Apple Pay, Google Pay: https://help.crypto.com/en/articles/9305828-top-up-to-usd-account-via-debit-card-apple-pay-and-google-pay
- Crypto.com: New user card fee waiver: https://help.crypto.com/en/articles/4751883-new-user-card-fee-waiver
Everything above comes from these official pages as of Oct 2026. Claims we couldn't confirm there are left out.