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Crypto.com vs. Coinbase: Which Is Better? (Fees & Wallets)

Crypto.com vs. Coinbase: Everything you need to know about fees, wallets, and features.
Lauren Bedford - Finance Writer
Written by

Lauren Bedford

Lauren Bedford - Finance Writer
Written by
Lauren Bedford
Finance Writer

Lauren is a published content writer who is passionate about helping and informing others through her content. In the last 5 years, Lauren has written about a range of subjects, including business, technology and finance.

Learn more about our editorial process

Derek Sall - Personal Finance Expert
Reviewed by

Derek Sall

Verified by an expert
Derek Sall - Personal Finance Expert
Reviewed by
Derek Sall
Personal Finance Expert

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially—one email, one article, one person at a time.

Learn more about our editorial process

Halina Grześkiewicz - Finance Writer

Halina Grześkiewicz

Halina Grześkiewicz - Finance Writer
Halina Grześkiewicz
Finance Writer

Content writer with nearly 5 years of experience. Halina has written about several topics, including human resources, technology, Forex, cryptocurrencies, and personal finance.

Learn more about our editorial process

April, 27 2023
16 min
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Table of contents:

You’re standing at the Crypto.com vs. Coinbase crossroads—which crypto app will take you on the path to success?

Why Trust Us
Advertiser Disclosure

Just like how a reliable compass can help you navigate uncharted territory, a top-notch crypto app can keep you on track toward your financial goals. Choose the wrong one and you’ll lose your sense of direction (and some money along the way). 

This article will tell you: 

  • If Coinbase or Crypto.com is the best fit for you. 
  • Crypto.com and Coinbase fees. 
  • Crypto vs. Coinbase currencies. 
  • Coinbase vs. Crypto Wallet and security. 
  • Crypto.com and Coinbase user experience. 
  • Which is better: Coinbase or Crypto.com. 

See more trading apps at:: 

Crypto.com vs. Coinbase 






Best for

  • Wide selection of cryptocurrencies 
  • Opportunity to earn rewards 
  • All skill and knowledge levels
  • Beginner-friendly interface and app

Maker/taker fees

Maker fees: Up to 0.075%

Taker fees: 0.05%–0.075%

Maker fees: Up to 0.40%

Taker fees: 0.05%–0.60%


Over 250 cryptocurrencies 

Over 170 cryptocurrencies 


Non-custodial wallet with access to the decentralized web 

Non-custodial wallet with access to the decentralized web 


  • Multi-Factor Authentication 
  • Funds are insured up to $250,000
  • Mandatory whitelisting 
  • Multi-approval for withdrawals 
  • Funds are insured up to $250,000
  • Bcrypt password protection 


iOS: 4.5 

Android: 4.6 

iOS: 4.7 

Android: 4.1


Crypto.com is a leading cryptocurrency exchange that allows users to buy and sell over 250 cryptocurrencies, more than 20 fiat currencies, and a range of NFTs. 

The crypto platform is used by over 80 million users and experienced a 39% increase in global crypto ownersi in 2022.  The exchange comes with a crypto wallet where you can manage more than a thousand tokens across 30 different blockchains. 

You also get a pat on the back for your efforts, as you can earn up to $2,000 for inviting a friend. And if you apply for a Crypto.com Visa Card, you’ll get 5% back on spending (paid in Cronos). 


  • $0 account minimum.
  • Over 250 cryptocurrencies.
  • Stake and earn to get daily rewards.
  • Supports NFTs across various blockchains.


  • High credit and debit purchase fees.
  • No available list for crypto-to-crypto trading. 
  • Lack of transparency on services available in the US and internationally.


Coinbase is one of the top cryptocurrency exchanges in the US, giving you access to over 170 cryptocurrencies and more than 500 crypto-to-crypto trading pairs. 

The platform is great for beginners and has an “Earn to Learn” feature where you can earn a few dollars worth of crypto by watching their video classes and learning the ins and outs of trading. 

Advanced users can also benefit from Coinbase’s charting functions and wallet, which support thousands of tokens and let you store all your crypto and NFTs in one place. 


  • $0 account minimum.
  • Over 170 cryptocurrencies.
  • Easy-to-use interface and mobile app.
  • Features for beginners and advanced users.


  • Lack of fee transparency.
  • Difficulties tracking cash purchases.
  • Variable fees depending on cryptocurrency, transaction size, and platform.




  • $0 account minimum
  • Up to 0.075% maker fees 
  • Taker fees between 0.05% and 0.75% 
  • $0 account minimum 
  • Up to 0.40% maker fees
  • Taker fees between 0.05% and 0.60% 

Fees are always something to keep an eye on when comparing crypto exchanges. After all, the aim is to make money, not lose half of it to pesky hidden charges.

Both Coinbase and Crypto.com use the maker-taker fee model for trading fees. It’s pretty common across exchanges—makers create the market and add liquidity, while takers take orders and remove liquidity. 

In simple terms, maker and taker fees are types of transaction fees that cryptocurrency exchanges charge for executing trades. 

We’ll let the numbers speak for themselves—

  • Crypto.com maker fees: Up to 0.075%
  • Crypto.com taker fees: 0.05%–0.075%
  • Coinbase maker fees: Up to 0.40%
  • Coinbase taker fees: 0.05%–0.60%

The fees are based on the size of the transaction, which both exchanges break down into levels and tiers. 

Here are some more fees to be aware of, starting with Coinbase:

  • 1% transaction fee on all cryptocurrency transactions.
  • Varied fees for adding cash, cashing out, and buying or selling crypto.
  • 5% recovery fee for accounts valued over $100.

And here are the Crypto.com fees:

  • Varied withdrawal fees (2% fee for amounts over the monthly ATM limit).
  • 1% for debit cards and 2% for credit cards in top-up fees.
  • 3% foreign transaction fee.

On the bright side, both platforms have a $0 account minimum and neither charges fees for depositing fiat currency through bank transfers. 




  • Over 250 cryptocurrencies 
  • Supports fiat currencies 
  • Over 170 cryptocurrencies 
  • Supports fiat currencies 

Both Crypto.com and Coinbase have hundreds of cryptocurrencies to choose from, so if you’re after the top coins, you’ll be spoilt for choice on both platforms. 

But if you’d rather dive into some more alternative coins (alt-coins), Crypto.com is leading the way with over 250 cryptocurrencies to buy, trade, and sell. 

Popular cryptocurrencies available on both platforms include:

  • Bitcoin (BTC) 
  • Ethereum (ETH)
  • BNB (BNB) 
  • Cardano (ADA) 
  • Polygon (MATIC)
  • Dogecoin (DOGE)
  • Binance USD (BUSD) 
  • Ethereum 2 (ETH2)

And going back to more familiar territory, both Crypto.com and Coinbase support fiat currency, such as USD, GDP, EUR, and other coin fractions. 




  • Non-custodial wallet 
  • In-app bridging feature 
  • Earn rebates on 25+ tokens
  • Non-custodial wallet 
  • Access to DeFi liquidity pools 
  • Store thousands of coins and NFTs

Crypto wallets work like real wallets, except online. Sounds simple, but there’s more to it than just storing your cash away for safekeeping.

Your crypto wallet stores the private keys to all your crypto and other assets, such as NFTs. There are two different types of wallets to choose from—

  • Non-custodial wallet: Gives you total responsibility over your keys and password (which can make it safer but also riskier if you forget your password and lose access to your crypto). 
  • Custodial wallet: The crypto company controls your keys (which is easier to use but less secure as everything is managed by a third party). 

Since 2019, the MIMF (Market Integrity and Major Frauds) Unit has charged crypto fraud cases involving $2 billion worth of financial lossesi from across the world. So choosing the right wallet with top-notch security features is essential to keeping your assets under lock and key. 

So what types of wallets do Coinbase and Crypto.com offer? 

Coinbase comes with a non-custodial wallet, so you have all the power (and responsibility) in your hands. 

And all that power lets you store thousands of coins and NFTs in one place. Your Coinbase wallet is also your ticket to the decentralized web—you can use DeFi liquidity pools to supply or borrow crypto and swap assets on decentralized exchanges. 

Crypto.com also offers a non-custodial wallet that’s connected to the decentralized web and lets you browse Dapps and make Dapp transactions. 

Their DeFi Wallet also lets you store and swap over a thousand tokens across over 30 blockchains with their in-app bridging feature. 

You can keep all NFTs in one place and share them on social media. The DeFi wallet also gives you the chance to earn rebates on over 25 tokens. 

Both apps have a 12-word recovery phrase (seed phrase) if you need to recover your account. But if you forget or lose access to your recovery phrase, you’ll have to start your account from scratch. 




  • Multi-Factor Authentication 
  • Funds are insured up to $250,000
  • Mandatory whitelisting 
  • Multi-approval for withdrawals 
  • Funds are insured up to $250,000
  • Bcrypt password protection 

Security is fast becoming one of the top priorities when choosing where to store and trade crypto, with many exchanges stepping up to protect their users from cyber threats. 

And for good reason—the value of crypto lost to security threats grew over nine timesi between 2020 and 2021, with the largest hacks in 2021 totaling $1.81 billioni in stolen funds. 

Because of this, both Crypto.com and Coinbase have a bunch of top-notch security measures to keep your cash and assets under lock and key. 

Security features on both platforms include:

  • Two-factor authentication
  • Damage and theft insurance
  • Whitelisting

Coinbase uses industry-leading security and encryption to protect your assets, with auto-enrolled two-factor authentication. 

They also require multi-approval when you withdraw from the Coinbase Vault and have all passwords protected on their database with a bcrypt algorithm (a random string of information to disguise passwords). 

Crypto.com uses Multi-Factor Authentication (MFA), which helps to protect your transactions, passwords, and other personal information. They’ve also made it mandatory to whitelist external addresses to protect withdrawals. 

After the FTX (Future Exchange) crashed in November 2022, Crypto.com had a 333% increasei in Google searches and a 232% increase in trading volume—meaning many turned to the platform despite shock waves being sent throughout the crypto industry. 

User Experience



  • Best for intermediate and advanced users
  • Range of features and products 
  • Plenty of advanced functions
  • Best for beginners 
  • Simple and easy-to-use 
  • Quick sign-up process 

Navigating the world of crypto can be like taking a walk in the park during an earthquake—many beginners find themselves on shaky ground. 

Hence the crypto platforms need to find the balance between newbies seeking simplicity and advanced users looking to maximize their expertise. 

Both Coinbase and Crypto.com give you the option to trade on the web or through the app (with both being easy to use, depending on your experience level). 

First, let’s see what customers rated the app—

  • Crypto.com iOS: 4.5 
  • Crypto.com Android: 4.6 
  • Coinbase iOS: 4.7 
  • Coinbase Android: 4.1 

If you’re a beginner, Coinbase stands out for its simple approach and easy navigation. You can sign up in a matter of minutes and get started immediately. 

Those new to trading can also watch educational videos and easily keep track of their portfolios. But if you’re not-so-new to crypto, Coinbase also has a bunch of advanced charting functions to get stuck into.

Marius Grigoras, CEO of BHero, gives advice for those just starting out:

For beginners navigating crypto apps, it’s essential to utilize the educational materials provided by platforms like Crypto.com and Coinbase, stay informed through reputable news sources, engage with experienced investors in online communities, and remain patient as you gradually increase your investment over time.

Marius Grigoras CEO of BHero

While Crypto.com is also easy to navigate, it’s probably more suited to intermediate or advanced users, as there are a lot of products, features, and terminology that beginners might find overwhelming. 

Advanced features on Crypto.com include futures trading, volume discounts, and perpetual contracts. Crypto.com also makes it easy to keep track of your crypto with price movement alerts. 




  • Supports over 100 countries 
  • Not available in New York
  • Supports over 100 countries
  • Not available in Hawaii 

Crypto is a global market, crossing borders and not being restricted to independent currencies. So it only makes sense that crypto platforms are also available for users across the world. 

Crypto.com first opened its doors in Singapore but has now expanded to over 100 markets, including the US, the EU, Canada, and Australia. 

Within the US, Crypto.com is available in 49 states, excluding New York (as Crypto.com doesn’t have a regulatory license for this state).

You can also use the platform across US territories, such as Puerto Rico, the Virgin Islands, and American Samoa—but this access is limited to the platform and not the Crypto.com Visa Card. 

Coinbase is available in all US states (except for Hawaii) and also supports over 100 countries around the globe:

  • North and Central America: 14 countries.
  • South America: 10 countries.
  • Europe: 41 countries.
  • Asia Pacific: 16 countries. 
  • Africa and the Middle East: 25 countries. 

For both Crypto.com and Coinbase, certain cryptocurrencies could be restricted depending on the state you’re in—so it’s worth checking that out before deciding which platform to use. 

And if traveling is your thing, delve into our list of top travel credit cards

How Do Crypto.com and Coinbase Work?

Crypto.com and Coinbase are crypto exchange platforms where you can buy and sell a wide range of cryptocurrencies—from Bitcoin to less popular coins. 

You can keep your funds stashed away in an online account or transfer them to a personal account through different methods, such as:

  • Credit card
  • Debit card
  • Wire transfer
  • ACH withdrawal

To set up an account, you need to provide your personal details and go through the verification process. Once you’ve opened your account, you can deposit your funds and start trading. 

Here are steps you can follow to begin crypto trading on Crypto.com: 

  1. Go to the Markets page.
  2. Choose the coin you want to trade. 
  3. Decide the amount you want to purchase.
  4. Select “Trade”. 

Coinbase follows a similar process: 

  1. Select “Get Started”. 
  2. View the list of crypto assets. 
  3. Decide which crypto to trade. 
  4. Confirm how much you want to purchase. 

Both apps offer educational features so you can learn the basics of investing and how to boost your chances of success. Just keep an eye on hidden fees, especially when transferring or withdrawing your funds. 

Other Crypto Platforms

Crypto.com and Coinbase are heavyweights in the world of crypto exchanges, but they aren’t the only ones. 

Doing your research is key to finding the best crypto app for you, so here are some other exchanges worth considering

Crypto.com vs. Coinbase vs. Binance 

Binance has 150 cryptocurrencies to trade In the US—which is slightly fewer than Crypto.com and Coinbase, but there’s still plenty to choose from.

Unlike Crypto.com and Coinbase, though, the platform can be more difficult to navigate for beginners and is probably better suited for more experienced investors. 

Binance stands out for its low fees and has a maker/trader model based on trading volume and the Binance coin. 

They also don’t charge anything for ACH transfers and only 0.00%–0.1% for trades, but they do charge $15 for wire transfers.

Coinbase vs. Gemini vs. Crypto.com

Like Coinbase, Gemini is beginner-friendly with an easy-to-use interface but only has around 100 cryptocurrencies to trade (over 100 less than Crypto.com). 

Gemini’s fees are pretty standard, with their ActiveTrader platform with taker fees from 0.03% to 0.40% and maker fees ranging between 0.00% and 0.20%. 

However, Gemini falls behind when it comes to trust and reliability. Earlier this year, the US Securities and Exchange charged Gemini with raising money illegally to fund the Gemini Earn program, which has since been frozen for months—preventing customers from accessing their money.

Blockchain vs. Coinbase vs. Crypto.com

Blockchain Exchange was founded in 2019, so is relatively new to the market compared to Coinbase (2012) and Crypto.com (2016). But the exchange was launched by Blockchain.com, which has been around since 2011. 

Blockchain only has 90 crypto trading pairs—that’s one of the main differences between Crypto.com, Coinbase, and Blockchain. 

The exchange offers maker fees between 0.40% and 0.20% and taker fees of 0.06%–0.45%. 

Blockchain Exchange could be beneficial for those who don’t like to be overwhelmed, as they also have a simple, aesthetically pleasing interface. 

They also pride themselves on extra speedy trading and delivering market prices in real time. 

Key Takeaway 

So which one is it going to be for you—Crypto.com or Coinbase? 

The answer depends on what you’re looking for. 

Marius Grigoras highlights the key differences between the apps:

Crypto.com primarily appeals to those who value a seamless mobile experience and want to capitalize on staking rewards, while Coinbase caters to users who prefer a broader selection of cryptocurrencies and diverse investment opportunities.

Marius Grigoras CEO of BHero

If you want plenty of choices when it comes to choosing your cryptocurrencies, Crypto.com takes the lead with over 250 crypto coins and access to more than 20 fiat currencies along with a range of NFTs. 

But if usability is at the top of your list, Coinbase has a beginner-friendly interface and educational videos that will help you learn the basics while earning a few dollars' worth of crypto. 

Both apps are great choices if you want a non-custodial wallet and prefer to keep the keys to your assets in your own hands. 

The two contenders also boast advanced security features, with funds insured up to $250,000. 

If you’re still scratching your head, there’s no harm in trying both apps and seeing which one catches your attention. 

Good luck!


Does Crypto.com report to the IRS?

Yes, Crypto.com is required to report to the IRS. As a cryptocurrency exchange based in the US, Crypto.com has to comply with tax regulations and report user transactions. 

Cryptocurrency apps and exchanges operating within the US face the same tax laws and regulations as traditional financial institutions. This means that they must comply with the IRS reporting requirements for virtual currency transactions.

You should keep accurate records of your cryptocurrency transactions and report them on your tax return, or you could face penalties and fines. Try to keep track of all buys, sells, trades, and mining rewards. 

Try out the best tax software to help you fill out your tax forms. 

Crypto.com fees vs. Coinbase: how do they compare? 

Both Crypto.com and Coinbase include a $0 account minimum, and don’t charge anything for depositing fiat currency through bank transfers. 

However, there are some differences between the maker/taker fees. Crypto.com charges maker fees up to 0.075%, while Coinbase charges up to 0.40%. As for taker fees, Crypto.com charges between 0.05% and 0.075%, and Coinbase sets its fees between 0.05% and 0.60%. 

Crypto apps typically charge fees for various services, such as trading, buying and selling, and depositing and withdrawing funds. The fee structures can vary between different apps and exchanges, so make sure you understand the fees for each service before using an app or exchange.

Check out also the best stock apps if you enjoy trading online. 

Is Crypto.com good for beginners?

Crypto.com's mobile app is designed to be user-friendly, making it easy for beginners to navigate and use. 

The app also offers a demo mode that lets users practice trading with virtual funds before investing real money. Crypto.com also makes it easy to keep track of your crypto with price movement alerts. 

However, Crypto.com also has a lot of intermediate to advanced products, features, and terminology that beginners might find confusing. This includes futures trading, volume discounts, and perpetual contracts. 

Does Crypto.com charge fees?

Yes, Crypto.com is transparent about their fees and you can find most of the pricing information on their website. 

The platform charges withdrawal fees, although this can vary depending on the amount. You’ll also get charged a 2% fee if you go over the monthly ATM limit. 

Crypto.com also charges a 1% top-up fee for debit cards and a 2% fee for credit cards. For foreign transaction fees, you’ll also get charged 3%.

What’s the difference between Coinbase and Blockchain?

One of the key differences between Coinbase and Blockchain Exchange is the number of cryptocurrencies available. Coinbase leads the way with over 170 cryptocurrencies, while Blockchain only has 90 crypto trading pairs. 

There are also differences in trading fees. Blockchain charges maker fees between 0.40% and 0.20% and taker fees of 0.06%–0.45%, while Coinbase’s maker fees go up to 0.40% and taker fees are between 0.05% and 0.60%. 

Is Crypto.com safer than Coinbase?

Both Crypto.com and Coinbase have advanced security features to protect customer assets. This includes two-factor authentication, whitelisting, and damage and theft insurance. 

However, both have also faced security incidents in the past. 

For example, in 2019, Crypto.com suffered a security breach that exposed the email addresses and phone numbers of some of its users, while Coinbase has experienced issues with insider trading and account takeovers.

That being said, both Crypto.com and Coinbase take security seriously and have implemented various measures to protect their users. 

How do I get my money out of Coinbase?

To withdraw your money from Coinbase, follow these steps:

  1. Log in to your Coinbase account.
  2. Click on the “Portfolio” tab at the top of the screen.
  3. Select the asset you want to withdraw.
  4. Click on the “Withdraw” button next to the asset.
  5. Choose the withdrawal method you prefer, such as a bank transfer or PayPal.
  6. Enter the amount you wish to withdraw.
  7. Follow the on-screen instructions to complete the withdrawal process.


See all

Crypto.com. (n.d.). Crypto Market Sizing Report 2022. Retrieved 17 April 2023, from https://crypto.com/research/2022-crypto-market-sizing-report

2022 Crypto Crime Report. (2022). Chainalysis. https://blockbr.com.br/wp-content/uploads/2022/06/2022-crypto-crime-report.pdf

Cryptocurrency lost to theft 2020-2022. (n.d.). Statista. Retrieved April 5, 2023, from https://www.statista.com/statistics/1285057/crypto-theft-size/

Market Integrity and Major Frauds Unit. (2015, June 9). https://www.justice.gov/criminal-fraud/market-integrity-and-major-frauds-unit

Crypto.com Gained Most Traction After FTX Collapse. (2023, March 1). Financial and Business News | Finance Magnates. https://www.financemagnates.com/cryptocurrency/cryptocom-and-gateio-gained-most-traction-after-ftx-collapse-study-shows/

Editorial team

Meet the team
Lauren Bedford - Finance Writer

Finance Writer

Lauren is a published content writer who is passionate about helping and informing others through her content. In the last 5 years, Lauren has written about a range of subjects, including business, technology and finance.

Kacper Kozicki - Editor


Editor, copywriter, and multilingual translator with expertise in producing tailored content for global online brands. When not editing articles for LifeAndMyFinances.com, he enjoys rummaging through paper dictionaries, walking in nature, and making travel plans.

Derek Sall - Personal Finance Expert

Personal Finance Expert

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially—one email, one article, one person at a time.

Halina Grześkiewicz - Finance Writer

Finance Writer

Halina Grześkiewicz

Content writer with nearly 5 years of experience. Halina has written about several topics, including human resources, technology, Forex, cryptocurrencies, and personal finance.

Save time and money with LifeAndMyFinances

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