Review: Earn Interest & Pay With Crypto

cryptocom review

Established in 2016, has fast become one of the worlds leading cryptocurrency exchanges. It stands out from the market with its ecosystem of products and services that make the platform a one-stop shop for the everyday needs of crypto users around the world.

But is it really as easy and convenient as it seems? In this review, will look at the suite of products and services on offer and its advantages and limitations. 

Any affiliate links with our partners may result in MoreCrypto earning a small commission or compensation at no extra cost to you whatsoever. 

Advantages & Limitations

What Is (MCO Malta DAX Limited) is a global digital currency exchange that offers a range of products and services through a unique and user-friendly mobile app. Unlike other popular cryptocurrency exchanges that primarily offer their products on desktop with a mobile app to supplement, features can be accessed and easily utilized on their iOS and Android compatible mobile app.

cryptocom summary

Since its establishment in 2016, the platform has grown from Hong Kong-based headquarters to having several offices around the world, including Singapore, the United States, Japan, India, Russia, and Australia. now boasts a substantial user base of more than 10 million customers spanning over 90 countries. In terms of trading volume, traffic, and liquidity, is currently ranked #12 in the world by CoinMarketCap.

cryptocom volume

Key Takeaways


Core Services

Available Cryptocurrencies

Fiat Gateway

Deposit Options

Deposit Fees

Credit/Debit Card Fees Exchange Trading Fees

Withdrawal Fees

Mobile App

Buy crypto with fiat, staking, NFT, earn interest


20+ including USD, GBP, EUR, SGD, CAD, AUD, NZD, HKD

Primarily bank transfer (country dependant)


1.49% to 4% (country dependant)

Maker/taker fees starting at 0.4%/0.4%


Yes (iOS and Android)

Top Features You Should Know

Buy & Sell Crypto On The Mobile App

The App is one of the most popular fiat-to-crypto exchanges in the world with over 10 million downloads across iOS and Android devices. The trading app provides a fast, easy and safe way to buy crypto at true cost using a debit/credit card or by linking a bank account for direct transfers. The app design has been tailored for usability making it simple for users to scan through and find a feature or product in seconds. 

The app allows users to buy and sell cryptocurrencies, manage deposits to fund the account, and track portfolios. Moreover, it acts as a portal to other products and services including the Exchange, Earn, Pay, NFTs, and DeFi Swap. Exchange Exchange provides an advanced cryptocurrency trading platform for experienced investors and traders. In terms of supported cryptocurrencies, the Exchange supports 150+ digital currencies that can be traded against BTC, USDT, USDC, and CRO.

The clean design of the trading interface will be familiar to experienced investors and traders. The live charting is powered by the premium TradingView package and offers all the advanced features including search analysis tools and indicators to analyse market price actions and trends. 

NFT Marketplace has entered the Non-Fungible Token (NFT) market. The NFT Marketplace is the platform where digital artworks and collectibles can be traded using blockchain infrastructure. The marketplace aims to bring together artists, creators, and crypto enthusiasts to buy, mint, and sell NFTs. Users can purchase NFTs using credit/debit card, the users account balance, or with Pay via the app. NFT

Spend With Visa Card offers a Visa prepaid card that can be topped up using fiat or digital currencies. The card can be used for purchases at in-store or online retailers that support Visa.

To apply for the card, users must stake CRO tokens for a period of no less than 180 days. CRO tokens can be purchased once an account is created and verified. The amount of CRO to stake depends on the card tier that is being applied for. For example, if USD $400 of CRO is staked then the user is eligible to apply for the Ruby Steel card once the staking period is complete. Rewards are paid out as CRO tokens and the percentage depends on the card tier. CRO rewards range from 1% for the Midnight Blue card to 8% for the Obsidion card. 

cryptocom visa card

Shop With Crypto At Retailers customers are able to utilize their held cryptocurrencies to make purchases at participating online retailers. The complete list of retails can be viewed here.

Merchants are incentivized to participate as merchant fees to settle transactions in cryptocurrencies are significantly less compared to traditional payment systems such as PayPal and the major credit card companies. An online business can choose to be paid in Bitcoin, Ethereum, Litecoin, or CRO which is then converted to the local fiat currency. 

For online shoppers, App users can choose to make purchases from over 30 digital currencies including CRO, ETH, BTC, DOT, and DOGE. The app provides generous incentives in the form of cashback and rewards for spending crypto. For example, up to 10% cashback can be obtained by subscribing to Time Magazine.

Earn Interest On Your Crypto provides its customers with the ability to earn up to 14.5% interest on their crypto holdings. Earn supports over 40 digital coins that include the major coins such as Bitcoin, Ethereum, Litecoin, and XRP.

To be eligible for Earn, users will need to stake CRO for a period of 6 months. Interest returns depend on the amount of CRO staked and the selected duration of the term. Users are able to choose from flexible, one-month, or 3-month terms. provides incentives to stake CRO at amounts greater than $40,000. Performing this will grant the user an additional 2% of CRO payouts.

Interest rewards (non-compounding) are paid out weekly in the coin that was deposited into the account. For example, if Ethereum was deposited then Ether will be rewarded weekly. Before committing, users can experiment with the calculator tool to assess what rewards will be received under different scenarios.

cryptocom earn

Is Regulated? is a legitimate and secure cryptocurrency platform that is regulated by government authorities in each of its jurisdictions. This means that it complies with all financial and risk-prevention regulations. Since is a fiat-crypto exchange, it requires its customers to complete Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures. Security incorporates security and privacy into its digital infrastructure and includes several other features to safeguard the assets and privacy of its customers. Based on our search, has not experienced any hacks that have resulted in the theft or loss of funds or digital assets. is a safe and secure crypto platform that can be attributed to the following security measures and controls.

Organizational Certifications has achieved several independent accreditations and certifications that ensure that the highest level of security can be provided to its customers. The exchange was the first in the world to obtain ISO/IEC 27701:2019, CCSS Level 3, ISO/IEC 27001:2013, and PCIDSS v3.2.1 Level 1 compliance. has been independently assessed at Tier 4 which is the highest level for NIST Cybersecurity and Privacy Frameworks. The exchange also engages third-party audit and penetration testing of its blockchain systems.

Wallet Security has partnered with Ledger to integrate their institutional-grade custody wallet, Ledger Vault. All user cryptocurrencies are held within the secure and offline Ledger Vault where Hardware Security Modules (HSM) and multi-signature technologies are required for access. Digital assets held in cold storage are insured by up to USD $750M against physical damage or destruction or theft by third parties.

Fiat currencies such as USD are safely stored in regulated custodian bank accounts meaning that users retain ownership and nor its creditors can claim them. Investors residing in the US will further benefit from the Federal Deposit Insurance Corporation (FDIC) insurance that has secured. The insurance policy provides cover USD balances for up to USD $250,000. 

Customer Account Security

All user accounts are protected using Multi-Factor Authentication (MFA) which includes password, biometric, email, phone and authenticator verification before transactions are completed. The software behind the technology is peer reviewed and uses a combination of static and dynamic course code and analysis tools. Withdrawals made from user accounts are required to undergo mandatory email verification.

What Are The Fees?

Deposit & Withdrawal Fees charges zero fees to deposit or withdraw fiat currencies or cryptocurrencies from an external wallet or other exchange. Withdrawing digital currencies from the account wallet to an external wallet will incur a standard network fee depending on the asset and network congestion.

Credit/Debit Card Fees

A fee between 1.49% and 4% applies for cryptocurrencies purchased using credit/debit card. The amount of the fee will be shown on the app when the order is displayed and is dependant on the users country. Exchange Trading Fees

The fee structure on Exchange follows a volume-based maker/taker model where fees start from 0.4%/0.4%. 

  • A maker fee applies when a trade is not immediately matched in the order book. The trade is then added to the order book and adds to the liquidity. These traders help to make the market and thus are named market makers.
  • A taker fee applies when an order is immediately matched with an existing order on the order book. These trades decrease the depth of the order book and market.

The trading volume is based on the trading volume over the past 30 days. provides incentives to users to reduce their trading fees by staking CRO, or by increasing their trading volume. For example, if greater than 5,000 CRO but the trading volume is less than $25,000 over the past 30 days, then the maker/taker fees are reduced to 0.36%/0.36%.

Overall, maker/taker fees for users who do not hold CRO are a little high compared to other global cryptocurrency exchanges. Low volume investors will either need to buy CRO to reduce their fees, or seek out an alternative exchange.

cryptocom trading fees

Accepted Countries

The App is available in over 90 countries around the world including the US, Canada, Australia,  Singapore, and the UK. Investors and traders located in the US will be pleased to know that is currently supported in 49 states and territories. Services are not able to be provided for those residing in New York, however, indicates that they are evaluating the steps required to be taken to extend their service offerings. 

Getting Started

Account Creation & Verification

To create a account, users will need to download the app on their iOS or Android device. A valid email address and strong password is required to complete account creation. There are no fees to create or maintain a account.

Like most fiat to crypto exchanges in the world, new users that create an account with to buy and sell crypto using fiat currency will need to verify their identity. The ID verification process is to comply with AML/CTF regulations that is mandated in several countries worldwide.
A full name, Government identity document or Passport must be submitted using the app. The speed of the verification process usually takes less than 3 business days to be approved. For more information on the Know Your Customer (KYC) process, read this guide on the website.

Deposit Methods For Fiat & Limits offers several methods to fund account with the local fiat currency. For investors and traders in the US, wire transfer from bank accounts will support deposits of amounts up to $250,000. Australian users only have BPAY and NPP options available to deposit AUD and other methods commonly available from Australian exchanges such as POLi are not supported.









European Countries

Deposit Methods

Bank transfer (ACH)

Wire transfer






Bank transfer (SEPA)


3 – 5 business days

< 2 business days

3 – 5 business days

1 – 4 business days

1 day

< 2 days


2 – 5 business days

Min. & Max. Limits

USD $20 – $50,000 / day

USD $5,000 – $250,000 / day

AUD $50 – $10,000 / day

AUD $50 – $100,000 / day

CAD $100 – $10,000 / day

BRL R$100 – R$80,000 / month

SGD $50 – $50,000 / day

< € $1,000,000 EUR

Customer Support & Reviews

How To Contact Customer Support

Multiple options are available to customers who want to get in touch with the customer support team. A live chatbot is available for immediate assistance and users can email for general enquiries and queries relating to regulatory and law enforcement topics. A customer support phone line is not available.

The Help Centre is a comprehensive library of informative articles to guide users through topics such as how the fee and reward structures work, using the app to buy, sell, stake, and withdraw assets, and usage of the Visa Card. There is no shortage of helpful information with the Exchange category containing detailed answers to 167 Frequently Asked Questions (FAQ). However, the link to the Help Centre is at the bottom of the main page and is not overly apparent. 

Previous Customer Feedback

Based on 208,300 customer reviews on Google Store, the App received an overall rating of 4/5 stars. Positive feedback generally related to the beginner-friendly nature of the app, access to the wider ecosystem of products and services, improved customer support, and constant updates. Negative reviews followed the themes of minor bugs including lag and features not loading.

Alternative Crypto Exchanges is a leading crypto exchange that is suited for intermediate and advanced investors and traders. Beginner investors will enjoy the suite of products and services that the ecosystem offers. The following exchanges offer similar features and competitive fees and are suitable alternatives to 

  • Binance – Binance is our best-rated global cryptocurrency, primarily for its wide service offerings and low trading fees. The sheer trading volume, accompanying liquidity, and vast array of digital currencies (300+) to choose from make it a more than worthy option for investors of all levels of experience. 
  • Kraken – The US-based exchange offers a number of features including margin and futures trading, staking, and an advanced trading interface to buy, trade, and sell over 54 digital currencies. Experienced investors and day traders will find the advanced features of the trading platform to be highly appealing. 

Frequently Asked Questions

Is Available For Australians?

In November 2020, obtained its license from the Australian Financial Service License (AFSL) and is permitted to provide cryptocurrency services to Australians. Australian users who are able to deposit AUD to fund their account wallets. Investors and traders in Australia who prefer to buy, trade, and sell crypto using a local fiat-to-crypto exchange have a range of popular digital currency platforms to choose from.

Our Verdict

The App and Exchange provides over 100 million people around the world with a secure way to utilize cryptocurrencies in their daily lives. The platform has successfully executed and branded its App as a one-stop-shop for crypto users. However, the native coin (CRO) will need to be staked in order to fully benefit from rewards and to reduce trading maker/taker fees. Experienced and advanced traders are not forgotten with the TradingView powered trading interface providing them with the necessary search analysis and indicators tools.

Overall, has a wide variety of features and offerings, all of which are delivered well and in high quality. It is one of the better globally available cryptocurrency exchange options.

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