Crypto.com Exchange Fees and Profile

Crypto.com registration and licences in Australia

Crypto.com's Australian licences page states that financial services in Australia are provided by Foris DAX AU Pty Ltd (ACN 640 692 735) as a Corporate Authorised Representative under AFSL no. 533278 (Foris Capital AU Pty Ltd) and AFSL no. 467462 (Foris GFS Australia Pty Ltd). A search of the AUSTRAC register on 9 October 2026 listed Foris DAX AU Pty Ltd, trading name Crypto.com, ABN 76 640 692 735, with no conditions shown. ASIC's current AFS licensee dataset (resource modified 7 October 2026) lists AFSL 533278 with a licence start of 5 April 2024 and AFSL 467462 with a licence start of 28 November 2014. Foris DAX AU Pty Ltd's authorised representative status itself was not looked up on an ASIC register.

The App and Web T&Cs state that Crypto.com's AUSTRAC registration covers hosted wallet storage, virtual asset conversion and blockchain transfer processing for digital assets that are not financial products. The AFSL authorisation covers trading in supported digital assets that are financial products, on an unleveraged spot basis, under the Product Disclosure Statement dated 1 October 2026. That PDS covers Crypto.com Digital Asset Services, and its Schedule 1 lists Tether USD (USDT), a stablecoin issued by Tether Limited. For this service the PDS says Crypto.com acts as principal, and the assets are not protected by the Financial Claims Scheme. Clause 16.2 of the terms says a complaint about AFSL-covered services that is not resolved within 30 calendar days may be referred to AFCA. The Financial Services Guide says AFCA cannot respond to complaints about the general operation of the platform for unregulated crypto-assets.

Crypto.com App and Exchange markets for Australians

The Crypto.com App and the Crypto.com Exchange price trades differently. The App is the main app, where trades execute at quoted prices. Crypto.com's Exchange pages state that the Exchange App is distinct from the Crypto.com Main App. The Exchange's public instrument list on 9 October 2026 showed 569 tradable spot pairs over 415 base assets. Bitcoin trades against USD, USDT, EUR and PYUSD. The list has no pair quoted in Australian dollars. The exchange comparison on TheRockTrading.com sets the published spot fee schedules of other exchanges side by side.

Crypto.com Exchange spot fees and a worked example

The Crypto.com Exchange charges maker and taker fees across five levels based on 30-day spot volume in USD. At Level 1, for 30-day spot volume below USD 10,000, the rates are maker 0.250% and taker 0.500% without a CRO Balance, and maker 0% and taker 0.4400% with a CRO Balance of at least 50,000 CRO held on the Exchange. Fee rates are updated daily at 04:00 UTC based on trading volume, maker activity and CRO Balance. The Fees and Limits page was last updated on 9 October 2026.

Worked example: USD 1,000 of Bitcoin on the Exchange

• Label: our arithmetic from published fees, not a quote from Crypto.com.
• Order: buy USD 1,000 of Bitcoin on the Exchange's BTC/USD market at Level 1 (30-day spot volume below USD 10,000) with no CRO Balance.
• Taker order: 0.500% of USD 1,000 = USD 5.00.
• Maker order: 0.250% of USD 1,000 = USD 2.50.
• Buy and later sell USD 1,000 as taker both times: 2 × USD 5.00 = USD 10.00 in fees, before any price change.
• With a CRO Balance of at least 50,000 CRO: taker 0.4400% = USD 4.40; maker 0% = USD 0.00.
• The CRO condition: a CRO Balance of at least 50,000 CRO on the Exchange. At the Exchange CRO/USD last price of USD 0.06044 (03:58 UTC, 9 October 2026), 50,000 CRO was worth USD 3,022.00.
• Difference on this order under the published Level 1 rates: (0.500% minus 0.4400%) of USD 1,000 = USD 0.60.
• Sources: Fees and Limits (last updated 9 October 2026), instrument list and CRO/USD ticker, read 9 October 2026.

Funding Crypto.com in AUD: PayID deposits and withdrawals

AUD limits

• PayID deposit (NPP only): minimum AUD 20 per deposit; maximum AUD 100,000 per deposit and per day; AUD 500,000 per month.
• Westpac customers: AUD 5,000 per transaction and AUD 10,000 per day (Crypto.com's stated limit as of 22 January 2023).
• AUD withdrawal (NPP, or Direct Entry where the bank has no NPP): minimum AUD 100 per request; maximum AUD 50,000 per day (24-hour rolling) and AUD 250,000 per month (30-day rolling).
• Sources: AUD Deposit via PayID, Set up AUD Account and AUD Withdrawal, Crypto.com help articles updated 25 March 2025, read 9 October 2026.

Crypto.com custody, security record and proof of reserves

The App and Web T&Cs state that digital assets in the customer's Digital Asset Wallet are held on the customer's behalf in a ring-fenced, pooled custody account segregated from Crypto.com's own proprietary accounts, and that Crypto.com may hold them with third-party custodial safeguarding institutions. The terms also state that the wallet is not a depository account and that funds in it are not protected by any government-backed depositor compensation, insurance or guarantee scheme. Crypto.com's security page states that customer assets are held in reserve accounts on a 1:1 basis, that access to funds is controlled in both cold and hot wallets, and that whitelisting external withdrawal addresses through email verification is mandatory.

Crypto.com's own notice, Crypto.com's security report (archived copy), dated 20 January 2022, states that on 17 January 2022 unauthorised crypto withdrawals affected 483 Crypto.com users. The transactions were approved without the user's 2FA input. Unauthorised withdrawals totalled 4,836.26 ETH, 443.93 BTC and about US$66,200 in other cryptocurrencies. Withdrawals were suspended for about 14 hours and resumed at 5:46 PM UTC on 18 January 2022. Crypto.com states no customer lost funds, because most withdrawals were prevented and the other customers were fully reimbursed. On 18 January 2022 Crypto.com added a mandatory 24-hour delay between registering a new whitelisted withdrawal address and the first withdrawal to it.

A policy guide updated 8 April 2026, issued by Foris DAX AU Pty Ltd and other Foris DAX entities, describes the Account Protection Programme, discretionary goodwill protection of up to USD 250,000 equivalent when a third party gains access to an account and withdraws funds without permission. It does not cover transactions the customer is deceived into authorising. Minimum conditions include multi-factor authentication or passkeys enabled at least 21 days before the transaction, an anti-phishing code, the 24-hour withdrawal lock for new addresses, a police report, and contacting Crypto.com within 30 working days. Crypto.com's security page lists ISO/IEC 27001:2022, ISO/IEC 27701:2019, ISO 22301:2019, PCI DSS v4.0 Level 1 and SOC 2 Type II compliance; these are Crypto.com's own statements.