Crypto.com
- The 4% yield is not a deposit: no scheme covers it, and the rate can move.
Pros & Cons
Pros
- Virtual and physical global card
Cons
- Requires a local DNI
Rating breakdown
Why this score
Good fit for
- you need to hold a balance in USD
- you want yield on an idle balance (up to 4%)
May not fit if
- you do not have a local DNI
- you need crypto in or out
- you want a card at no cost (this one is $5.99 for physical card issue)
What you'll need
- DNI+CUIL+PoA
Deposit & savings rates
Compare all deposits →| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| USD yield | USD | 4% | On demand | — | — |
Rates are shown, never scored: a yield is a commercial offer and the most volatile figure we hold, so it lifts nobody's rating. What deposit protection exists is scored separately.
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-06-19
For relocants, Crypto.com is harder to reach: it requires a local DNI before you can open an account.
It is a crypto fintech supporting USDT/C. You can hold USD, earning up to 4% on the balance.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- Not disclosed
- Card cost
- $5.99 for physical card issue
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Free up to $200/mo (increased with card upgrade), monthly limit $10000, commission after free limit 2%
- Limits
- Not disclosed
- Cashback
- Not disclosed
- Currencies
- USDT/C
- Cards
- Global Virtual, Global Physical
- Transfers
- Card2card in, CBU/CVU USD in, CBU/CVU USD out
- Payments
- Apple Pay, Google Pay
Transfer routes
One row per direction, rail and currency — with what we hold on fees, speed and limits. A blank fee is not a free transfer; it is a fee we have not collected.
| Route | Fee | Speed | Limits |
|---|---|---|---|
| CBU/CVUincomingUSD | Not published | Not published | — |
| CBU/CVUoutgoingUSD | Not published | Not published | — |
| Card to cardincoming | Not published | Not published | — |
Plans and tiers
The headline rate belongs to the top tier and the free price to the bottom one. These are the tiers as the provider sells them, one row each.
| Tier | Price | What it adds | Worth it when |
|---|---|---|---|
| Standard card | Free | ATM withdrawals free up to the monthly allowance | Entry tier |
| Upgraded card | Price not published | Higher free ATM allowance | Cannot be valued — the price or the benefit is not published |
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- HighThe 4% yield is not a deposit: no scheme covers it, and the rate can move.
Read from: usd_apy
- LowThe price of Upgraded card is not published.
Read from: plan_tiers.fee_unknown
Recent updates
- 2026-06-19checked11 facts about Crypto.com re-checked against their sources
3 similar services
Chosen by overlap in what people use them for, not by category — the services that would land in the same shortlist as this one.
| Service | Score | Documents | Head-to-head |
|---|---|---|---|
| ReadyNo DNI | 63/100 | KYC before card delivery (via Persona: government ID) | Compare |
| Belo | 63/100 | DNI+CUIL | Compare |
| Avalanche Card | 65/100 | DNI+CUIL | Compare → |
User reviews
User score
No reviews yet.
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FAQ
- Will they accept me without a DNI?
- No. Crypto.com requires a local DNI to open an account.
- What documents do I need?
- DNI+CUIL+PoA.
- Can I hold and receive USD?
- Yes, Crypto.com lets you hold USD, with up to 4% yield on the balance.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
Backed by two or more sources, at least one of them official, with no unresolved disagreements. We publish a score. Ranked lists need one more step.
Still needed
- Cite 1 more official source(s)