
crypto.com
Crypto.com is a Hong Kong-based crypto exchange that also offers crypto savings accounts and crypto loans.
Pros
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Savers can choose from a wide range of cryptocurrency savings accounts
Currencies
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Compared to other platforms, savers who have large deposits in their savings account (Whale) also receive a high interest rate if they meet certain prerequisites.
Savings Accounts
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Feature-rich wallet administration
Wallet Admin
Cons
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Relatively low rates for low and high deposits (shrimps & whales) if the user doesn't stake CRO. To get higher rates, the user has to stake a relatively high amount of CRO
Savings Accounts
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Once the loan-to-value ratio exceeds the critical liquidation threshold, crypto.com has the right to liquidate 100% of the loan collateral. Typically, crypto lending platforms will only liquidate to re-establish the agreed LTV
Loan Liquidation
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The lending features are only available on the crypto.com moile App, not on the desktop version
Desktop App
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Relatively high minimum amounts for crypto savings accounts compared to other platforms (around 200$ depending on the currency)
Minimum Deposit
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The deposit limit is 500,000 USD. The limit is calculated using the price of the cryptocurrency when starting the earn term.
Deposit Limits
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Lending services are not available in Hong Kong, Malta, Switzerland, and the US states of American Samoa, Guam, Northern Mariana Islands, Puerto Rico, Virgin Islands
Countries
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Customer support answers specific questions with general answers that provide little value
Customer Service
The interest rates at crypto.com
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Earn Interest
-
Borrow Money
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---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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2 - 6%
2 - 3%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 6%
0.5 - 4%
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0.5 - 6%
0.5 - 4%
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1.5 - 10%
1.5 - 6%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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1.5 - 10%
1.5 - 6%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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1.5 - 7%
1.5 - 4.5%
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1.5 - 10%
1.5 - 6%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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1.5 - 7%
1.5 - 4.5%
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1.5 - 10%
1.5 - 6%
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1.5 - 10%
1.5 - 6%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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1.5 - 10%
1.5 - 6%
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1.5 - 10%
1.5 - 6%
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1.5 - 10%
1.5 - 6%
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0.5 - 5%
0.5 - 3.5%
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5 - 14.5%
5 - 8.2%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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1 - 6.5%
1 - 4.2%
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1 - 8%
1 - 5%
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1 - 8%
1 - 5%
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1 - 8%
1 - 5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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5 - 14.5%
5 - 8.2%
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0.5 - 5%
0.5 - 3.5%
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2 - 6%
2 - 3%
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0.5 - 8%
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0.5 - 8.5%
0.1 - 8%
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0 - 8%
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0.8 - 12%
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0.5 - 8%
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0 - 8%
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0.5 - 8%
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0.5 - 8%
0.1 - 8%
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0.5 - 10%
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1 - 12%
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0.5 - 8%
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0.5 - 5.5%
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1.5 - 8%
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1.4 - 12%
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0.5 - 5%
0.5 - 3.5%
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0 - 5%
0 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.2 - 5%
0.1 - 3.5%
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1.5 - 7%
1.5 - 4.5%
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1.5 - 12%
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1.5 - 12%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.1 - 5%
0.1 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.2 - 12%
0.1 - 12%
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1.5 - 10%
1.5 - 9.3%
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1.5 - 10%
1.5 - 9.3%
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1.5 - 10%
1.5 - 9.3%
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0.5 - 5%
0.5 - 3.5%
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5 - 15%
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0.2 - 5%
0.1 - 3.5%
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0.5 - 7.2%
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0 - 5%
0 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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1 - 10%
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1 - 12%
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1 - 8%
1 - 5%
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1 - 8%
1 - 5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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0.5 - 5%
0.5 - 3.5%
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5 - 16%
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0.5 - 5%
0.5 - 3.5%
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How to earn the highest interest rates with crypto.com
Crypto.com offers bonus interest if you hold a minimum amount of CRO Tokens (the native cryptocurrency of the platform) in your wallet.
Crypto.com also offers higher interest rates if you choose a longer lock-up period. You can select either flexible, 1-month, or 3-months periods.
The base rate for crypto.com is the rate savers get for a flexible term and if they don't meet the minimum CRO staking requirements. The maximum rate is the rate for a 3-months term and a CRO-stake equivalent of $40,000 or more.
All information is unofficial and subject to change.
Did you find outdated information? Write us a message.
![]() BTC
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![]() CRO
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![]() EOS
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![]() ETH
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![]() LTC
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![]() XLM
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![]() XRP
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---|---|---|---|---|---|---|---|
Basic
Min
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12%
8%
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12%
8%
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12%
8%
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12%
8%
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12%
8%
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12%
8%
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12%
8%
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Basic
Min
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11.7%
0%
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12%
8%
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11.6%
0%
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9.4%
0%
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11.7%
0%
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10.9%
0%
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13%
0%
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How to get the cheapest crypto loan with crypto.com
Crypto.com offers borrowers lower interest rates if they keep a minimum amount of CRO tokens (the native cryptocurrency of the platform) in their wallets.
All information is unofficial and subject to change.
Did you find outdated information? Write us a message.
Lending not a priority
Crypto.com is not a pure lending platform and the focus seems to be on their exchange services rather than on crypto lending. Compared to some of the pure players, crypto.com is a rather average lending platform.

crypto.com in the CryptoStudio-Check
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Overview
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Savings Accounts
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Crypto Loans
-
Security
-
User Experience
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Business Review





Pros
Cons








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Crypto.com Look & Feel
The lending features are only available in the mobile app, not in the desktop app. The app itself is not complicated to use. Customer service does often answer lending-specific questions with general answers that don't help solving the problem.
Registration process
Registering with crypto.com is easy and straightforward and takes only a few minutes.
All information is unofficial and subject to change. Links marked with an asterisk (*) may be affiliate links