Updated July 6, 2022

Crypto.com vs Coinbase

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Coinbase is one of the most popular cryptocurrency exchanges. Crypto.com aims to be a one-stop-shop for everything crypto. But how do they compare?

When people get into cryptocurrency, Coinbase is often the name they hear first.

It's great for beginners, offers an easy-to-use exchange, and supports plenty of coins.

But Crypto.com might have what it takes to steal Coinbase's spotlight. They offer an exchange, the ability to pay in crypto, rewards-earning Visa cards, and much more.

Which one is right for you? Find out how Coinbase and Crypto.com is right for you in our detailed review.

What are Coinbase and Crypto.com?

Hong Kong-based Crypto.com was founded by Kris Marszalek and Bobby Bao in 2016—then called Monaco. More than just an exchange, Crypto.com is a platform for just about anything related to cryptocurrency.

They offer more than 250 cryptocurrencies and stablecoins, limit and margin trading, and useful analytical tools. Users can earn staking rewards up to 14.5% for cryptocurrencies and 10% for stablecoins, and in some jurisdictions take out crypto-backed loans against a number of different cryptocurrencies.

You can also take advantage of prepaid Visa cards backed by holdings in CRO, their native token. They also offer Crypto.com Pay, which lets you pay and get paid with crypto, as well as a newly added NFT marketplace.

Founded in 2012, Coinbase is based in San Francisco. A business that started with the ability to buy and sell Bitcoin via bank transfers, it's been growing rapidly ever since.

Coinbase is known for being a beginner-friendly exchange and offers an extensive range of cryptocurrencies to trade through a simple app or through their desktop site.

Ease-of-use comes at a price, however, as their fees are high compared to most other exchanges. Coinbase Pro, a separate app geared toward experts, offers much lower rates in exchange for a whole lot less handholding.

Pros and Cons

Crypto.com Pros & Cons

  • Full-service exchange
  • Lower fees, in general
  • Higher rates on interest accounts
  • More extra features (Pay, NFTs)
  • Best rates require CRO
  • Loans unavailable in U.S.
  • Undisclosed spread fee
  • May overwhelm new users

Choose Crypto.com if: You're more experienced with crypto; you don't mind holding + staking CRO; you want the lowest fees

Download: App Store, Google Play

Coinbase Pros & Cons

  • Beginner-friendly
  • Wide range of currencies
  • Secure, no successful hacks
  • Available in more countries
  • High fees
  • No private keys
  • No phone support

Choose Coinbase if: You're completely new to crypto, or you want advanced trading features with Coinbase Pro

Download: App Store, Google Play Store

What Cryptocurrencies Do They Support?

Crypto.com's exchange currently supports over 250 cryptocurrencies and stablecoins for trade, including popular coins like:

  • Bitcoin & Bitcoin Cash
  • Ethereum
  • Litecoin
  • Cardano
  • XRP (Ripple)

Full list of supported coins on Crypto.com:
  • 0x
  • 1inch
  • Aave
  • Aavegotchi
  • aelf
  • Algorand
  • Amp
  • Ampleforth Governance Token
  • Ardor
  • Ark
  • Arweave
  • Audius
  • Avalanche
  • Axie Infinity
  • BakeryToken
  • Balancer
  • Bancor
  • Band Protocol
  • BigONE Token
  • Binance Coin
  • Binance USD
  • Bitcoin
  • Bitcoin Cash
  • Bluzelle
  • Cardano
  • Casper
  • Celer Network
  • Chainlink Solana
  • Chiliz
  • Chromia
  • Compound
  • Compound Coin
  • Contentos
  • Cosmos
  • Cronos
  • Curve DAO Token
  • Dai
  • Dash
  • Decentraland
  • DIA
  • DigiByte
  • Dogecoin
  • Ellipsis
  • Elrond
  • Enjin Coin
  • Enzyme
  • EOS
  • Epanus
  • Ethereum
  • Ethereum Classic
  • Everipedia
  • Fantom
  • Fetch.ai
  • Filecoin
  • Flow (Dapper Labs)
  • Game.com
  • Gas
  • Gemini Dollar
  • Gitcoin
  • Golden Ratio Token
  • Golem
  • Harmony
  • Helium
  • Holo
  • HUSD
  • Hydro Protocol
  • ICON
  • iExec RLC
  • Injective Protocol
  • Internet Computer
  • IOST
  • IQ.cash
  • IRISnet
  • Kava
  • Komodo
  • Kusama
  • Kyber Network Crystal Legacy
  • Lisk
  • Litecoin
  • Livepeer
  • Loopring
  • Luna Coin
  • Maker
  • Nano
  • NEAR Protocol
  • Neo
  • Nervos Network
  • NKN
  • NuCypher
  • Numeraire
  • Ocean Protocol
  • OMG Network
  • Ontology
  • Ontology Gas
  • Origin Protocol
  • Pancake Swap
  • PAX Gold
  • Paxos Standard
  • Polkadot
  • Polkastarter
  • Polygon
  • Qtum
  • Raiden Network Token
  • Rally
  • Rarible
  • Ravencoin
  • Ren
  • Reserve Rights
  • Ripple
  • Shiba Token
  • Siacoin
  • SKALE Network
  • SoMee.Social
  • Stacks
  • Stellar
  • Storj
  • Stox
  • SushiSwap
  • Synthetix Network
  • Tellor
  • Terra
  • Tether
  • Tezos
  • The Graph
  • The Sandbox
  • Theta Fuel
  • THORChain
  • TomoChain
  • TrueUSD
  • UMA
  • UNICORN Token
  • Uniswap
  • Universe
  • USDC
  • VeChain
  • Venus
  • VeThor Token
  • Waltonchain
  • Waves
  • Wrapped Bitcoin
  • XSGD
  • yearns.finance
  • Zilliqa

Note: Some coins are not available for users in the U.S. For the full details, refer to Crypto.com's article here.

They offer Interest Payments against deposits of over 40 cryptocurrencies and stablecoins, including:

  • Crypto.com Coin, Shiba Inu, Bitcoin, Ethereum, Tether, Binance Coin, Cardano, Dogecoin, USD Coin, Polkadot, Uniswap, Bitcoin Cash, Litecoin, ChainLink, Stellar, Dai, VeChain, EOS, Algorand, Maker, Tezos, Cosmos, TrueUSD, Compound, Elrond eGold, Enjin Coin, Paxos Standard, Basic Attention Token, Decentraland, Bancor, TrueGBP, TrueAUD, TrueCAD, OmiseGO, Icon, KyberNetwork, Celer Network, PAX Gold

Their Crypto-Backed Loans work with 4 stablecoins, with 30+ coins currently accepted as collateral:

  • Loans: TUSD, PAX, USDC or USDT

Loans are not currently available to citizens and residents of:

  • France, Germany, Hong Kong SAR, Malta, Singapore, Switzerland, United Kingdom, and the United States of America.

Coinbase currently supports over 150 different cryptocurrencies and stablecoins, including popular options like:

  • Bitcoin & Bitcoin Cash
  • Ethereum
  • Litecoin
  • Cardano

Full list of supported coins on Coinbase:
  • 0x
  • 1inch
  • Aave
  • Algorand
  • Amp
  • Ampleforth Governance Token
  • Ankr
  • Augur
  • Balancer
  • Bancor Network Token
  • Band Protocol
  • Basic Attention Token
  • Bitcoin
  • Bitcoin Cash
  • Cardano
  • Cartesi
  • Celo
  • Chainlink
  • Civic
  • Compound
  • Cosmos
  • Curve DAO Token
  • Dai
  • Dash
  • Decentraland
  • district0x
  • Dogecoin
  • Enjin Coin
  • Enzyme
  • EOS
  • Ethereum
  • Ethereum Classic
  • Filecoin
  • Gitcoin
  • iExec RLC
  • Internet Computer
  • Kyber Network
  • Litecoin
  • Loopring
  • Maker
  • Mirror Protocol
  • NKN
  • NuCypher
  • Numeraire
  • OMG Network
  • Orchid
  • Origin Token
  • Polkadot
  • Polygon
  • Ren
  • Stellar Lumens
  • Storj
  • SushiSwap
  • Synthetix Network Token
  • Tellor
  • Tether
  • Tezos
  • The Graph
  • UMA
  • Uniswap
  • USD Coin
  • Wrapped Bitcoin
  • yearn.finance
  • Zcash

Where are They Available?

Crypto.com is available in over 100 markets, with more added every week. Availability depends on the legality of cryptocurrency in a given region.

This article details the legality of Bitcoin by country.

Crypto.com is available in all U.S. states except New York.

Their app, but not their cards, are available in the following U.S. territories:

  • American Samoa, Northern Mariana Islands, Puerto Rico, Virgin Islands.

Coinbase is available in more than 100 countries.

However, not every country gets the same services, as you can see in the following table:

RegionBuy, Sell and ConvertBuy and Convert
North AmericaThe United States, CanadaMexico
EuropeAndorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia Finland, France, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Monaco, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United KingdomN/A
South AmericaN/AChile

Any other supported countries offer conversion services only. The list is on Coinbase's supported countries page.

Coinbase supports USD, GBP, and EUR.

Crypto.com vs Coinbase Features

Features and fees are the main things that set Coinbase and Crypto.com apart. Below, let's take a look at what each platform offers and how they compare.

1. Cryptocurrency Exchange

Crypto.com offers an exchange where users can buy, sell, and trade cryptocurrencies and stablecoins. With over 250 coins supported, their exchange is more extensive than many popular competitors.

They support limit orders, margin trading up to 10x, and derivatives with up to 100x leverage.

Crypto.com also has an NFT marketplace where users trade in limited edition digital art and collectibles hosted on the Blockchain.

Coinbase's exchange offers over 150 coins, a smaller number that still includes most of the popular ones. They do not provide the ability to execute limit orders and margin trades.

Coinbase also does not currently support NFTs.

For more advanced features (and cheaper trading fees), experienced traders can use Coinbase Pro, a separate app and website.

We'll take a deeper look at their fees further down.

2. Earn Cryptocurrency

Crypto.com's Earn feature offers interest starting at 0.2% per year, and going as high as 14.5% for cryptocurrencies like Bitcoin and 10% for stablecoins like USD Coin.

Rates depend on several factors:

  • Which cryptocurrency you invest
  • Term (Flexible, 1 month, or 3 months)
  • Staking CRO ($400 or less, $4,000, or $40,000 or more) for a period of 6 months

An example with Bitcoin:
For Tier 1 - Allocations up to US$3,000 (full reward)

  • The base rate is 0.2% for a Flexible Term and a minimum CRO stake (less than $400 USD)
  • A 1-month term gets 1.5%
  • A 3-month term gets 3%
  • The rate rises to 4% if you stake $4,000 in CRO or more
  • 6%, the highest rate for Bitcoin, requires a 3-month term and staking $40,000 in CRO for 6 months or more
  • A flexible term, even with a maximum stake, will only earn 0.25%

The most you can earn on a flexible term with no CRO stake is 0.55% on stablecoins.

Three-month terms without staking will earn you as much as 3% on Bitcoin and Ethereum, and 6% on most stablecoins.

Rewards are paid every week in USDC.

Coinbase also offers limited staking rewards. They currently support 6 coins with different rates of return:

  • Ethereum - 3.675%
  • Algorand - 5.75%
  • Cosmos - 5.00%
  • Tezos - 4.63%
  • Dai - 0.15%
  • Cardano - 2.60%
  • Solana - 3.85%

Only a short time ago, the staking rewards at Coinbase were much slimmer, so it seems reasonable to expect them to add more to this list in the future.

Coinbase also lets you earn crypto currencies like Amp, The Graph, and Stellar Lumens while you learn more about them. Watch videos and take quizzes that usually take 1-3 minutes, and earn about a dollar a minute.

The Takeaway
Overall, Crypto.com offers more options and better rates, if you can afford to invest in CRO and wait.

The 6-month waiting period may make it unappealing to those who want to start earning the highest rates immediately. However, for those staking stablecoins, even the base rate will likely beat out Coinbase.

Keep in mind that your rate of return on staking and interest accounts will be determined by a number of factors beyond simply which platform you choose. You may get better rates on different platforms, depending on the currency.

Is it safe to lend my crypto?
Coinbase Crypto.com attempt to minimize risk through security features, insurance, screening borrowers, and requiring high ratios of collateral of those taking loans. But risk is always present. Unforeseen market crashes or security breaches may result in a loss of user funds. It's up to you to decide whether the risk is worth the reward.

3. Visa Cards

Crypto.com has a range of Visa cards with increasing rewards for those holding CRO.

The basic card (no CRO stake necessary) doesn't offer cash back. The basic card with $400 CRO stake offers 1% CRO cash back on purchases. Tiered rewards increase up to 5%, available to those staking more than $400,000 worth.

Users can also take advantage of airport lounge access; bonus interest; discounts to Netflix, Amazon Prime, Spotify, Expedia, and Airbnb. Private jet memberships are available to the highest stakers.

ATM withdrawal limits range from $200 to $1,000 a month.

Coinbase has partnered with Visa to release a debit card that allows users to spend their crypto directly while earning rewards.

While it isn't available yet, it will be accepted anywhere Visa debit cards are, it will have no annual or sign-up fee, and up to 4% cash back rewards on every purchase.

The Takeaway
The bottom line here is that Crypto.com offers great rewards to those who can pay for them by staking large amounts of CRO, but the Coinbase card may be a better choice for everyone else.

4. Pay in Crypto

Crypto.com's mobile app has a Pay feature that allows users to pay any merchant, buy gift cards, pay for mobile minutes, and send crypto to other people, using over 30 cryptocurrencies.
Crypto.com Pay offers the following:

  • Gift card bonuses from 1.25% to 10% (depending on stake and industry)
  • Mobile airtime purchases earn 5% for those who stake and 2.5% for those who don't
  • Sending money earns 10% rewards if you have a $10,000 stake in CRO

Coinbase doesn't currently offer anything like this.

5. Cryptocurrency Wallet

Crypto.com offers two kinds of wallets: custodial and non-custodial.

Traders aren't subject to network fees using their custodial wallet, as their trades are handled within the Crypto.com ecosystem.

Meanwhile, the non-custodial wallet ensures that every trader is in full control of their private keys, but it requires network fees to incentivize transaction processing on the Blockchain.

The Coinbase Wallet is a standalone app that lets users store their cryptocurrency and manage their private keys directly on their devices. It does not require a Coinbase account to use, and is available anywhere in the world.

6. Crypto-backed Loans

Crypto.com does offer crypto-backed loans but they're rather limited in their availability. For those who can use it, Interest Rates are based on LTV and CRO stake:

Initial LTVCRO Stake < 100KCRO Stake ≥ 100K
LTV = 25%2.00% APR1.00% APR
LTV = 33%6.00% APR4.00% APR
LTV = 50%8.00% APR6.00% APR

They support the following cryptocurrencies:

  • Loan: USDC, USDT, BTC, ETH
  • Collateral: CRO, LTC, BTC, ETH, VET, LINK, DOT

Loan minimums are currently set equivalent to $100 USD. Retail users can borrow up to a maximum of 0.5 million USD equivalent. Loan Terms are 12 months.

At time of writing, Crypto.com's loans are not available in the following places, including the U.S.:

  • American Samoa, Antigua & Barbuda, Curaçao, France, French Guiana, French Polynesia, Germany, Gibraltar, Guadeloupe, Guernsey, Hong Kong, Macedonia, Malta, Martinique, Monaco, New Caledonia, People's Republic of China, Reunion, Saint Lucia, Saint Martin, Seychelles, Singapore, Sint Maarten, St Pierre & Miquelon, Switzerland, United Kingdom, United States

Coinbase offers crypto-backed loans where users can borrow against the value of their Bitcoin.

  • They charge 8% APR, due monthly.
  • The minimum you can borrow is $10,001.00, which requires a deposit of the equivalent of $25,002.50 in BTC.

Fees to Look Out For

Fees are an important consideration when choosing a trading platform. As you'll see in the breakdown below, even basic users will get lower rates at Crypto.com than Coinbase. Those willing to stake CRO can save a great deal more.

Coinbase Fees
Coinbase charges relatively high fees compared to other exchanges. At the very least, you will need to pay the transaction fee and the spread for every purchase or sale, with further fees incurred for various methods of purchase.

Crypto.com Fees
Crypto.com uses a tiered Maker-Taker fee structure, based on 30-day trading volume:

Level30D Trading Volume (USD)Maker FeeTaker Fee
Level 1$0 - $25,0000.4%0.4%
Level 2$25,001 - $50,0000.35%0.35%
Level 3$50,001 - $100,0000.15%0.25%
Level 4$100,001 - $250,0000.10%0.16%
Level 5$250,001 - $1,000,0000.09%0.15%
Level 6$1,000,001 - $20,000,0000.08%0.14%
Level 7$20,000,001 - $100,000,0000.07%0.13%
Level 8$100,000,001 - $200,000,0000.06%0.12%
Level 9$200,000,001 and above0.04%0.10%

While it is unlisted, they also appear to charge a Spread on trades, reportedly ranging from 0.25% - 0.5%.

Discounts are given for staking CRO:

  • Staking ≥ 5,000 CRO: 10% off
  • Staking ≥ 10,000 CRO: 20% off
  • Staking ≥ 50,000 CRO: 40% off
  • Staking ≥ 100,000 CRO: 60% off
  • Staking ≥ 500,000 CRO: 70% off
  • Staking ≥ 1,000,000 CRO: 80% off
  • Staking ≥ 5,000,000 CRO: 90% off
  • Staking ≥ 50,000,000 CRO: 100% off

Other fees:

Crypto.com doesn't charge fees for Deposits.

They do charge Withdrawal Fees based on cryptocurrency. Some examples:

  • Bitcoin: 0.0005 BTC
  • Ethereum: 0.004 ETH (ERC20)
  • Litecoin: 0.001 LTC

Credit card purchases of crypto incur a 2.99% fee in the U.S. and most countries, and 3.99% in a select few. There is 0% fee when topping up with a debit card. The full list can be found here.

Crypto.com Credit Cards vary by tier.

  • None incur monthly, annual, or delivery fees.
  • They all charge a 2% ATM Withdrawal Fee after a monthly limit that ranges from $200 to $1,000.
  • Inactivity Fee (12 months): $4.95
  • ACH Return/Decline Fee: $15.00
  • Card Replacement Fee: $7.00 - $5.00 depending on card
  • Card Upgrade Fee: $50.00
  • Card Load using Credit Card Fee: 2.99%

Crypto.com Pay does not charge any transaction fees.

Users of the Crypto.com DeFi Wallet incur Network Fees, paid to the Blockchain in order to incentivize transaction confirmation. These fees vary depending on traffic on the network, and can be avoided by trading on the Crypto.com App.

Save more with Coinbase Pro: With most trades incurring a single transaction fee ranging from 0% - 0.50%, Coinbase Pro is a much cheaper option than Coinbase, and slightly cheaper than Crypto.com, if you can work with the more expert-oriented interface.

Security & Privacy

Overall, Coinbase and Crypto.com have pretty similar features when it comes to keeping your money and coins secure, and you can consider both reasonably safe places to trade.

Where they differ is their stance on privacy. While Crypto.com offers options for the privacy-minded with their non-custodial wallets, according to publicly available records, Coinbase has made or attempted to make arrangements to sell user data to the U.S. Secret Service, IRS, and DEA.

Coinbase security measures:

  • Insurance: Independent insurance for coins lost to cybersecurity breaches or employee theft, up to $250,000; USD balances up to $250,000 are FDIC insured
  • Cold Storage: 97% of user funds are stored offline
  • Two-Factor Authentication: SMS or Google Authenticator
  • Address Allowlisting: Choose which wallet addresses you will allow to withdraw funds
  • Biometric Login

Crypto.com security measures:

  • Insurance: Cash funds are kept in accounts FDIC insured for up to $250,000
  • Cold Storage: All user crypto is held offline in cold storage; the only funds held in hot wallets are corporate
  • Multi-Factor Authentication: Including password, biometric, email, phone, and authenticator
  • Address Allowlisting: Mandatory for withdrawals
  • Bug Bounty: Hackers are incentivized to report security flaws rather than exploit them
  • Advanced Security and Privacy Protocols: ISO/IEC 27701:2019; CCSS Level 3; ISO/IEC 27001:2013 and PCIDSS v3.2.1 Level 1 compliance; Tier 4 NIST Cybersecurity and Privacy Frameworks

Bottom Line

For many people, the difference between Coinbase and Crypto.com won't amount to much. As far as the trading goes, you'll save money and have more options on Crypto.com, and it's straightforward enough that even most beginners shouldn't have trouble getting started.

Beyond the exchange, the two platforms offer many of the same features, but Crypto.com tends to do them better. Their interest accounts generally pay more, and their loan APRs are lower for those who can get them.

On top of that, they let you pay with your crypto and trade NFTs, which Coinbase doesn't. Both offer appealing rewards cards, or at least they will when Coinbase's becomes available. Both are reasonably secure.

At this point in time, the strongest line dividing Coinbase and Crypto.com is the question of privacy.

While Crypto.com's privacy notice does state that they'll pass on your information to authorities when required to by law, Coinbase's recent actions have shown them to be actively interested in sharing data with those who'll pay for it.

If privacy is your main concern, you should probably look elsewhere.


USD $10 Sign Up Bonus

You will need to stake in $1000 CRO to earn USD $10 worth of CRO. Only the first amount of CRO you stake is used to calculate the sign-up bonus.


Get Up to $250 in Bonus BTC

DepositCrypto Bonus
$100 - $1,499$15
$1,500 - $19,999$20
$20,000 - $39,999$40
$40,000 - $74,999$75
$75,000 - $99,999$100


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Jeremy Harshman is a creative assistant at CreditDonkey, a personal finance comparison and reviews website. Write to Jeremy Harshman at jeremy.harshman@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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