Reviews of Crypto.Com

Card type
Virtual And Physical Card
Wallet
Custodial
Payment network
Visa
Real reviews
Experience of users worldwide

22reviews

+0reviews this month

0complaints this month

36%of users recommend

User ratings

User ratings& experience

Average ratings based on real user reviews across key criteria.

3.2/5

Average rating

Based on 22 real reviews

Ease of use4.9/10

Customer support4.9/10

Fees & commissions5.0/10

Features & functionality4.9/10

Reliability4.8/10

Security4.9/10

Ratings and comments

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Fiona M10.09.2026
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FYI cash withdrawals bill payments none of it earns anything and there are monthly ATM caps too. Learned that the hard way. The fine print eats a lot of the appeal

Ease of use
5/10
Customer support
5/10
Fees & commissions
2/10
Features & functionality
4/10
Reliability
4/10
Security
3/10
Sebastian08.09.2026
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Ordered the physical card and waited nearly three weeks while competitors ship overnight. Virtual worked at least but come on. Onboarding felt dated

Ease of use
3/10
Customer support
1/10
Fees & commissions
2/10
Features & functionality
3/10
Reliability
3/10
Security
2/10
Natalie S.04.09.2026
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My stake value dropped below the threshold because CRO fell and suddenly I'm downgraded a tier and lost the lounge access I was using. Felt punished for holding their own token

Ease of use
2/10
Customer support
3/10
Fees & commissions
2/10
Features & functionality
1/10
Reliability
1/10
Security
1/10
Camila01.09.2026
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Ppl complain a lot but my Ruby Steel still gives me the monthly Spotify back and 2% is 2%. For a free card no annual fee I'm not mad at it at all

Ease of use
7/10
Customer support
6/10
Fees & commissions
7/10
Features & functionality
6/10
Reliability
7/10
Security
7/10
Tomasz15.08.2026
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Staked 5k worth of CRO for the Indigo tier, token tanked like 40% during the lock and the 'rewards' didn't come close to covering the loss. You're basically betting on CRO not the card. Don't fall for it

Ease of use
4/10
Customer support
4/10
Fees & commissions
3/10
Features & functionality
4/10
Reliability
4/10
Security
3/10
Viktor B20.07.2026
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The card itself is great, fast, reliable, no issues spending. My only gripe is everything is tied to CRO which swings wildly. Locked a chunk for the tier and watched it dip. But spending experience 5 stars

Ease of use
7/10
Customer support
8/10
Fees & commissions
9/10
Features & functionality
8/10
Reliability
8/10
Security
7/10
Elena R20.07.2026
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Card got flagged and frozen while I was abroad, couldn't spend, support took a day to respond across time zones. Being stuck in another country with a dead card is exactly what you don't want

Ease of use
3/10
Customer support
4/10
Fees & commissions
3/10
Features & functionality
4/10
Reliability
3/10
Security
3/10
Olena K11.07.2026
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Did a normal top up and my account got frozen for 'review' for 72 hours. No warning no explanation. Support just kept saying be patient. Meanwhile I couldn't pay for anything. This happens way too often from what I read

Ease of use
4/10
Customer support
3/10
Fees & commissions
5/10
Features & functionality
5/10
Reliability
3/10
Security
4/10
M. L.08.07.2026
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Nice presentation. Too many tiers to memorise.

Ease of use
8/10
Customer support
6/10
Fees & commissions
5/10
Features & functionality
5/10
Reliability
6/10
Security
6/10
samir_307.07.2026
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The brand is familiar and the product category is mature. Still, I'd compare the specific tier available to me rather than the most attractive one in the marketing material.

Ease of use
6/10
Customer support
6/10
Fees & commissions
10/10
Features & functionality
8/10
Reliability
9/10
Security
8/10
Priya16.06.2026
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If you're not a whale staking huge amounts this card does nothing for you anymore. The good tiers need 50k or 500k staked. For normal people it's just a prepaid card with extra steps

Ease of use
1/10
Customer support
1/10
Fees & commissions
2/10
Features & functionality
1/10
Reliability
1/10
Security
2/10
Hannah W11.06.2026
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Been on Jade Green for two years, staked my CRO and honestly the 3% back plus Spotify and Netflix reimbursement covers what I spend on subs anyway. Not gonna lie the Level Up changes stung but if you were already staking it's fine. Just don't unstake or your rate drops

Ease of use
6/10
Customer support
6/10
Fees & commissions
7/10
Features & functionality
5/10
Reliability
6/10
Security
7/10
Marcus T31.05.2026
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Recently decided try new crypto card, lot heard about. Well, honestly, at first worried bitโ€”maybe complicated, maybe not profitable? But decided why not. First surprisedโ€”how easy use. Seriously, thought more hassle. Then moment truthโ€”pay coffee my favorite cafe. Just apply card, and done, payment went. And moment I understood very convenient have such tool hand, especially when work clients abroad. So friends, if doubt, recommend try. Me liked. This subjective opinion. Hope you'll like too:)

Ease of use
7/10
Customer support
7/10
Fees & commissions
9/10
Features & functionality
9/10
Reliability
9/10
Security
9/10
David K.02.05.2026
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Since November they removed the non staking rewards on my old card. So now I earn literally nothing unless I lock up CRO for a year. Why would I lock volatile crypto for 12 months just to get 2% back smh

Ease of use
2/10
Customer support
3/10
Fees & commissions
2/10
Features & functionality
2/10
Reliability
2/10
Security
3/10
Andreas M03.04.2026
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Travel a lot for work and the zero foreign transaction fee is the main reason I keep it. Card gets accepted everywhere Visa is, apple pay works fine. Cashback in CRO is a bonus I don't really count on tbh

Ease of use
9/10
Customer support
9/10
Fees & commissions
9/10
Features & functionality
8/10
Reliability
7/10
Security
8/10
Sofia L12.03.2026
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Tried reaching support about a declined transaction three times over chat, got bounced between bots and canned replies. No phone line at all. For a company this big it's embarrassing. Trustpilot 2 stars is generous

Ease of use
1/10
Customer support
2/10
Fees & commissions
2/10
Features & functionality
2/10
Reliability
2/10
Security
1/10
Rachel01.03.2026
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Everything is CRO which means every reward is a bet on their token holding value. Got my cashback, token dropped, cashback evaporated. Would much prefer stablecoin or actual cash back

Ease of use
3/10
Customer support
2/10
Fees & commissions
3/10
Features & functionality
4/10
Reliability
3/10
Security
3/10
George P22.02.2026
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Was on the card since 2021 for the 8% and now after all the cuts it's basically pointless unless you stake half a million dollars. The whole reason I got it is gone. Absolute bait and switch over the years

Ease of use
2/10
Customer support
3/10
Fees & commissions
2/10
Features & functionality
2/10
Reliability
1/10
Security
1/10
noah.li22.02.2026
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Here's how I'd compare it to a regular bank card rather than getting distracted by the perk chart. First, the monthly or tier cost. Second, what happens to the conversion rate on a weekend or abroad. Third, whether I can understand a declined payment without opening a support ticket. Fourth, whether a refund gets treated sensibly. Only after that would I work out the real value of rewards. The glossy benefits are fun to read, but I'm trying to find a card I'll be happy to use on a completely ordinary Tuesday.

Ease of use
9/10
Customer support
6/10
Fees & commissions
9/10
Features & functionality
8/10
Reliability
8/10
Security
8/10
mikecrypto2110.02.2026
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Had a 48 hour hold on my funds after KYC re-verification with zero communication about why. Money just sat there frozen. Really shakes your trust when it's your own cash

Ease of use
4/10
Customer support
4/10
Fees & commissions
3/10
Features & functionality
3/10
Reliability
4/10
Security
5/10
Kira9710.12.2025
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I could see myself enjoying the app once everything is set up, but the reward conditions take longer to understand than the basic card itself.

Ease of use
8/10
Customer support
9/10
Fees & commissions
7/10
Features & functionality
7/10
Reliability
7/10
Security
6/10
eli_211.08.2025
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The card perks are what grabbed my attention, but I always read the tier conditions before getting excited. Benefits that require tying up extra funds aren't free.

Ease of use
7/10
Customer support
10/10
Fees & commissions
8/10
Features & functionality
8/10
Reliability
8/10
Security
10/10

Frequently asked questions

Quick answers to common questions about Crypto.Com.

Still have a question?
Which payment network does Crypto.Com use?

Crypto.Com runs on the Visa network, so you can pay wherever Visa is accepted โ€” online, in stores and through supported mobile wallets.

Is Crypto.Com custodial or non-custodial?

Crypto.Com is custodial: the provider holds your crypto for you. It is simpler to use, but you rely on the company to keep your funds safe and available.

Do I need to pass KYC for Crypto.Com?

Yes. Crypto.Com requires identity verification (KYC) before you can use the card โ€” usually an ID document and a selfie.

Is Crypto.Com a virtual or a physical card?

Crypto.Com comes as both a virtual and a physical card: the virtual one works online and in mobile wallets right away, the physical one in stores and at ATMs.

What do users say about Crypto.Com?

Crypto.Com has 22 approved reviews with an average rating of 3.2/5, and 36% of reviewers recommend it. Read the reviews above for real experiences.