Crypto.com Exchange Review 2026: Lower Fees Than the App, But Read the Rules
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Crypto.com is one of the biggest crypto platforms in the world, and it is headquartered in Singapore. Most people know the App, with its simple buy button and its card. Fewer use the Crypto.com Exchange, the order-book trading platform that charges far lower fees for the same coins.
The Exchange is the better deal for anyone who buys crypto regularly. But it is a trader’s tool, Singapore’s retail crypto rules limit what you can use here, and the very low fees on the price table need serious volume or a CRO balance.
I went through the Exchange’s fee schedule, its Singapore licence, the MAS rules that apply to retail users, the referral terms and how it compares with the App, OKX SG and Coinbase. Here is the complete, honest verdict.
→ Open the Crypto.com Exchange with the DLCuration referral code
Crypto.com Exchange at a Glance
| Factor | Rating |
|---|---|
| Trading fees (vs the App) | ⭐⭐⭐⭐ 4.0/5 |
| Trading fees (vs OKX SG) | ⭐⭐⭐ 3.0/5 |
| Licence and regulation | ⭐⭐⭐⭐ 4.2/5 |
| Coin range | ⭐⭐⭐⭐ 4.2/5 |
| Ease of use for beginners | ⭐⭐ 2.6/5 |
| Promotions in Singapore | ⭐⭐ 2.0/5 |
| Best for | Regular crypto buyers who are comfortable with an order book and want lower fees than the App |
| Not ideal for | Beginners, small one-off buyers, and anyone expecting derivatives or big sign-up bonuses in Singapore |
| Free plan | Yes. No account fee |
| Starting price | Up to 0.25% maker and 0.50% taker per trade |
| Overall rating | ⭐⭐⭐ 3.5 / 5 |
→ Check the current Crypto.com Exchange referral terms
What Is the Crypto.com Exchange?
Crypto.com was founded in 2016 and has its headquarters in Singapore. Its Singapore entity holds a Major Payment Institution licence from the Monetary Authority of Singapore for digital payment token services. Check the holder on the MAS Financial Institutions Directory before you fund an account, as our Crypto.com Exchange referral page advises.
Crypto.com runs two separate trading products:
- The App: a simple buy and sell interface. You pay a spread built into the price, and card purchases cost extra.
- The Exchange: a full order book with limit orders, charts and maker and taker fees. It has its own sign-up at crypto.com/exchange and its own referral programme.
The two can be linked, so you can move funds between them.
The honest caveat: crypto is high risk, and nothing here is a bank deposit. Crypto assets are not covered by SDIC deposit insurance.
Crypto.com Exchange Fees in 2026
Trading Fees
| Tier | 30-day spot volume (USD) | Maker | Taker |
|---|---|---|---|
| Standard | Below US$1M | Up to 0.25% | Up to 0.50% |
| VIP1 (with 1,000+ CRO) | US$1M+ | 0.0631% | 0.0970% |
| VIP2 (with 1,000+ CRO) | US$5M+ | 0% | 0.0485% |
Standard fees are from StashAway’s August 2026 exchange comparison. VIP fees are from the Crypto.com Exchange VIP page, which lists them for accounts holding at least 1,000 CRO.
A maker order adds liquidity (a limit order that waits on the book). A taker order fills straight away against an existing order. Placing limit orders keeps you on the lower maker fee.
Hidden Costs to Know About
The VIP fees are not for most people. US$1 million of monthly volume is far beyond a typical retail investor. Most Singapore users pay the standard rates.
Getting money in and out. Fund the Exchange by transferring crypto in or moving funds from the linked App. Check the App’s current SGD deposit and withdrawal methods and fees before you start, and crypto withdrawal fees per coin.
The App is more expensive. If you buy in the App instead of the Exchange, you pay a spread built into the price. For regular buying, that adds up.
CRO exposure. The best fee tiers and the referral bonus both require holding or locking up CRO, Crypto.com’s own token. That is an extra risk on top of the crypto you meant to buy.
The Singapore Rules You Need to Know
MAS rules for retail crypto users shape what the Exchange can offer in Singapore:
- Limited incentives. Licensed providers are restricted from offering retail incentives, so sign-up bonuses advertised elsewhere may not apply here. Our referral page advises checking the Sign Up Bonus tab and asking support before you lock up any CRO.
- No derivatives for most users. Singapore is on Crypto.com’s derivatives restriction list, so retail users are generally limited to spot trading.
- Risk checks. Providers must check that retail customers understand the risks before they trade.
These rules make Crypto.com in Singapore safer and less exciting than the version you see in global marketing.
The Honest Assessment: What Holds Up and What Does Not
The licence holds up. A MAS Major Payment Institution licence and a Singapore headquarters put Crypto.com among the more established options for local users.
The Exchange beats the App on cost. For anyone who buys regularly, limit orders on the Exchange are cheaper than the App’s built-in spread.
Standard fees are not the lowest. At up to 0.25% maker and 0.50% taker, the Exchange costs more than OKX SG’s 0.08% and 0.10%, per StashAway.
It is not beginner-friendly. Order books, maker and taker fees and CRO tiers are a lot to learn. Beginners will find the App easier, and pay for it.
Promotions are mostly not for Singapore. The CRO lockup bonus and derivatives offers that drive Crypto.com’s marketing are restricted or unconfirmed here.
Crypto.com Exchange vs OKX SG vs Coinbase vs Coinhako
| Factor | Crypto.com Exchange | OKX SG | Coinbase | Coinhako |
|---|---|---|---|---|
| Trading fees | Up to 0.25% maker / 0.50% taker | 0.08% maker / 0.10% taker | 0.40% maker / 0.60% taker | 0.60% |
| SGD deposits | Via the linked App | PayNow, FAST, cards | Debit card, FAST, SWIFT | PayNow, FAST |
| Order book | Yes | Yes | Yes | Simple buy and sell |
| Beginner-friendly | No | Moderate | Moderate | Yes |
Fees from StashAway (August 2026). Check each platform’s current schedule and MAS licence status before you sign up.
Choose the Crypto.com Exchange if you already use the Crypto.com App or card and want lower fees on regular buys.
Choose OKX SG if you want the lowest standard trading fees.
Choose Coinhako if you are a beginner who wants a simple local app and does not mind paying more.
Who Should Use the Crypto.com Exchange
The Crypto.com Exchange is a strong fit if:
- You buy crypto regularly and can use limit orders.
- You already hold funds in the Crypto.com App.
- You want a MAS-licensed platform headquartered in Singapore.
- You want a wide range of coins.
- You are comfortable holding some CRO.
The Crypto.com Exchange is not a strong fit if:
- You are buying crypto for the first time.
- You make one small purchase a year.
- You want the lowest standard fees.
- You want derivatives or leverage.
- You are signing up mainly for a bonus.
Is the Crypto.com Exchange Worth It in 2026?
For regular buyers who already use Crypto.com, yes. Moving from the App to the Exchange and using limit orders is the simplest way to cut what you pay.
For a beginner, or someone shopping only on fees, no. OKX SG is cheaper at the standard tier, and Coinhako is simpler.
The test for your first month: link the App and the Exchange, move a small amount across, and place one limit order. Compare the cost with the same buy in the App.
Sign-up offer: Crypto.com advertises up to US$50 in CRO for new Exchange users who complete Advanced KYC and lock up at least 1,000 CRO for 180 days. Because of MAS rules on retail incentives, eligibility in Singapore is not confirmed. Check the Sign Up Bonus tab and ask support before locking up any CRO. The Crypto.com Exchange referral page has the full terms.
→ Open the Crypto.com Exchange with the referral code
Frequently Asked Questions
Is Crypto.com safe in Singapore?
Crypto.com is headquartered in Singapore and its Singapore entity holds a Major Payment Institution licence from MAS for digital payment token services. That does not make crypto safe: prices are volatile, and crypto assets are not bank deposits or covered by SDIC deposit insurance.
What is the difference between the Crypto.com App and Exchange?
The App is a simple buy and sell interface with a spread built into the price. The Exchange is an order-book platform with limit orders and lower maker and taker fees. They have separate sign-ups and referral programmes but can be linked.
How much are Crypto.com Exchange fees?
Standard fees are up to 0.25% for maker orders and 0.50% for taker orders, per StashAway’s August 2026 comparison. VIP tiers, which start at US$1 million of 30-day volume with at least 1,000 CRO, fall to 0.0631% maker and 0.0970% taker and lower.
Can I trade derivatives on Crypto.com in Singapore?
Generally no. Singapore is on Crypto.com’s derivatives restriction list, so retail users are limited to spot trading.
Can I get the Crypto.com sign-up bonus in Singapore?
It is not confirmed. MAS restricts licensed crypto providers from offering incentives to retail users. Check the Sign Up Bonus tab in the Exchange and ask support before locking up any CRO.
Is Crypto.com cheaper than OKX?
Not at the standard tier. StashAway lists OKX SG at 0.08% maker and 0.10% taker, against up to 0.25% and 0.50% on the Crypto.com Exchange. Crypto.com only gets close at high-volume VIP tiers.
Final Verdict
The Crypto.com Exchange earns 3.5 out of 5 stars.
It earns its best marks for regulation and value against its own App. A MAS-licensed, Singapore-headquartered platform with an order book that is cheaper than the App is a sensible home for regular crypto buying.
The deductions come from cost against rivals, complexity and Singapore’s limits. Standard fees are higher than OKX SG, the best tiers need huge volume or CRO, and the bonuses and derivatives in Crypto.com’s marketing mostly do not apply here.
Use the Exchange if you already use Crypto.com and buy regularly. Only invest what you can afford to lose.
→ Start with the Crypto.com Exchange through the referral code
Do you buy crypto in an app or on an exchange order book? Tell me in the comments.
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