Centralized Exchanges · Review
ActiveCrypto.com Review 2026: Regulated Exchange and App
Crypto.com is a centralized exchange and app that lets users buy, sell and trade 400+ cryptocurrencies, with a European arm that says it holds MiCA, EMD and MiFID II authorisations. It suits mainstream users who want one regulated app, but some products sit outside MiCA.
By the DappsAtlas editorial team · Updated
DappsAtlas score
7.8/10
Good
Our verdict on Crypto
7.8/10Crypto.com is a good fit for European users who want one regulated app for buying and trading a large range of coins, with a card, staking and a separate self-custody wallet available. Its main strength is breadth combined with stated MiCA authorisation. The main caveat is that Earn, Staking and the Onchain Wallet sit outside MiCA, and spreads and other fees are not fully shown on the homepage, so check the details first.
Score breakdown
How Crypto scores
- Security
- 7.5/10
- Ease of use
- 8.0/10
- Fees
- 6.0/10
- Features
- 9.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is Crypto?
Crypto.com is a centralized crypto platform that lets users buy, sell, store and trade more than 400 cryptocurrencies. Its European site markets the service to EUR users and says the company has operated since 2016, with 150m+ users globally.
The platform goes beyond a simple exchange. It includes a mobile app, an Ult interface for active traders, a Visa prepaid card with CRO rewards, Baskets, Earn, Staking, tokenized stocks, merchant payment tools and a self-custody Onchain Wallet. It also supports the Cronos blockchain ecosystem.
The European arm states it is authorised as a Crypto-Asset Service Provider under MiCA, as an Electronic Money Institution and as an Investment Firm under MiFID II. The site also discloses that Earn, Staking and the Onchain Wallet fall outside MiCA, which matters for risk.
How Crypto works
Crypto.com operates as a custodial platform. Users verify their identity, deposit EUR or crypto, and trade through the app or the exchange. The company holds the assets on the user's behalf, and trades execute against its order books and liquidity.
Beyond trading, the platform layers on products. Staking and Earn let users put assets to work for variable rewards. Baskets bundle several coins. The Visa card pays CRO or BTC rewards on spending, and Pay lets merchants accept crypto.
For users who want self-custody, the Onchain Wallet is a separate product where the user keeps the private keys and connects to DeFi applications across multiple chains. The company also builds Cronos, an EVM-compatible layer 1 chain, with PoS, EVM and zkEVM components.
8 features
Key features
01
400+ cryptocurrencies
Buy, sell and trade BTC, ETH, CRO and over 400 other assets, with EUR deposits via SEPA, Apple Pay or Google Pay.
02
All-in-one app
Beginner-friendly mobile app with buy, sell, Baskets, Earn, Staking and Pay in one place. A separate Ult interface targets more active traders.
03
Crypto Visa Card
A Visa prepaid card offers up to 5% in CRO rewards on purchases, with Level Up subscriptions from $6.99 per month for zero trading fees and extra rewards.
04
Baskets, Earn and Staking
Baskets let users diversify across several assets at once, while Earn and Staking offer rewards on idle assets.
05
Onchain Wallet
A separate self-custody wallet with mobile and browser extension access, multi-chain bridging and access to hundreds of DApps.
06
Crypto Pay
Users can spend crypto at over 300,000 merchants, and businesses can use Pay terminals, an SDK and eCommerce plugins.
07
AI and bot trading
The site mentions AI-driven analysis and trading bots such as dollar cost averaging for automated strategies.
08
Advanced exchange
The Crypto.com Exchange offers deeper liquidity, trading bots and more complex order types for experienced traders.
Pros and cons
What we like
- Wide coin selection with more than 400 assets tradable against EUR
- States MiCA CASP, EMD and MiFID II authorisations for its European service
- Zero-fee EUR deposits via SEPA and Apple or Google Pay
- Account Protection Programme advertised at up to US$250,000 against unauthorised transactions
- Broad product range: card, Baskets, Earn, Staking, Pay and a self-custody wallet
- Self-custody option available through the separate Onchain Wallet
Watch out for
- Earn and Staking products are not regulated under MiCA, according to the site's own disclosure
- The Onchain Wallet is a separate product that is also outside MiCA regulation
- Spreads and other fees may apply on top of the advertised zero-fee deposits
- KYC verification is required before buying crypto
- Headline figures such as 150m+ users and 300,000+ merchants come from the company itself and are not independently verified here
- Some reward features depend on the CRO token and on paid Level Up subscription tiers
Crypto fees
The site advertises zero-fee EUR deposits via SEPA and Apple or Google Pay, and near-zero trading fees when buying with a credit or debit card. It notes that other fees and spread may apply.
The Level Up subscription starts at $6.99 per month and offers zero trading fees and other rewards. A full fee schedule for trading, withdrawals and card use is not set out on the homepage; users would see exact costs in the app and on the exchange before confirming a trade.
Is Crypto safe?
The European site says Crypto.com is licensed under MiCA, EMD and MiFID II and points to a licences and registrations page. It also advertises an Account Protection Programme covering up to US$250,000 against unauthorised transactions. Terms and eligibility are not detailed on the homepage.
The main app is custodial, so users rely on the company to hold their assets. Earn and Staking are explicitly not regulated under MiCA, and the Onchain Wallet is a separate unregulated product, so protections differ by product. Crypto prices are volatile and transactions are irreversible, as general investor guidance notes. Only invest what you can afford to lose.
6 steps
How to get started with Crypto
- 1
Download the Crypto.com App from the Apple App Store or Google Play, or sign up on the website.
- 2
Create an account and complete the Know Your Customer verification.
- 3
Fund the account with EUR via SEPA, Apple Pay, Google Pay, a card or an existing crypto wallet.
- 4
Open the Buy section, choose a coin from the 400+ supported, enter an amount and confirm.
- 5
Review the fees and spread shown before confirming each trade.
- 6
Optionally explore Baskets, Earn, Staking or the Visa card, noting which products fall outside MiCA.
Who Crypto is for
Crypto.com suits beginners and intermediate users in Europe who want an app-based exchange with EUR deposits, a large coin list and extras such as a Visa card, Baskets and staking. Active traders can use the Ult interface or the exchange. Those who prefer full self-custody should look at the Onchain Wallet and understand its separate risk profile.
Crypto FAQs
Is Crypto.com regulated in Europe?
Crypto.com Europe says it is authorised as a Crypto-Asset Service Provider under MiCA, an Electronic Money Institution and an Investment Firm. The site also describes a licences and registrations page. Check which entity serves your country before signing up.
How many cryptocurrencies can you trade on Crypto.com?
The site lists over 400 cryptocurrencies, including BTC, ETH and CRO. You can buy, sell and trade them against EUR in the European version of the app.
What are Crypto.com's fees?
The site advertises zero-fee EUR deposits via SEPA and Apple or Google Pay, and near-zero fees when buying with a card. It adds that other fees and spread may apply. Full schedules are shown in the app.
Do I need to verify my identity?
Yes. Users must complete the standard Know Your Customer verification process before funding an account and buying crypto.
Is the Onchain Wallet the same as the main app?
No. The Onchain Wallet is a separate self-custody product where you hold your own private keys. The site states it is not regulated under MiCA, and the Crypto.com App is a custodial service.
Are Earn and Staking risk-free?
Earn and Staking are not regulated under MiCA, according to the site. Staking rewards are variable, and crypto prices are volatile, so capital can be lost. Read the terms for each product before locking assets.
Compare
Crypto alternatives
Gate is a centralized crypto exchange founded in 2013 offering spot, futures, stocks and earn products for traders who want one multi-asset account.
Bitget is a centralized exchange for crypto spot and futures that also offers tokenized stocks, commodities and forex in one account, for active traders.
OKX is a major centralized crypto exchange for spot and derivatives trading, earn products and a Web3 wallet, with its own OKB token.
Robinhood is a US brokerage app offering commission-free stocks, options, futures and custodial crypto trading for retail investors.
Deribit is a centralized crypto derivatives exchange known for Bitcoin and Ethereum options, plus futures, perpetuals and spot, aimed at active and institutiona
Backpack is a crypto exchange, US stock broker and self-custody wallet offering perps, lending yield and cross-collateral margin in one app.
Same category
More Centralized Exchanges
Bitvavo is an Amsterdam-based, MiCA-authorized crypto exchange offering 400+ assets, euro deposits, staking and leverage trading for European users.
Coinsquare is a CIRO-registered Canadian crypto exchange with 60+ coins, staking and a wealth service, now described as part of Robinhood.
SwissBorg is a MiCA-regulated European crypto app that aggregates exchanges for trading, with Auto-Invest, Earn and a BORG loyalty token.
Phemex is a centralized crypto exchange offering spot, futures up to 150X, copy trading, bots and earn products for retail and active traders.
NBX is a Norwegian, MiCA-authorized centralized crypto exchange listed on Euronext Growth Oslo, built for Nordic users trading in kroner.
CEX.IO is a UK-registered centralized crypto exchange since 2013 offering spot and margin trading, card buys and staking to retail and institutional users.
Same chain
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Team Finance is a non-custodial platform where token projects create tokens, lock liquidity and team tokens, set up vesting, run staking pools and airdrops.
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Guides
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Token
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Token
ApeX Crypto Explained: APEX Token and TradingApeX is a decentralized crypto trading project best known for perpetual futures, while APEX is its associated token. Learn how the platform and token differ, how leveraged trades work, and what to check before using either.
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How we checked
Sources
- 1.schwab.com/learn/story/cryptocurrencies-should-you-invest-them
- 2.dailyforex.com/forex-brokers/crypto-com-review
- 3.finance.yahoo.com/news/cryptocurrency-214919862.html
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