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Personal Finance · head to head

Crypto.com vs Fidelity

Crypto.com logo

Crypto.com

Personal Finance

The best place to buy, sell, and pay with crypto

From
Free
Rated
-
Full reviewWebsite
Fidelity logo

Fidelity

Personal Finance

Building a better financial future

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Crypto.com has a free tier, so it costs nothing to try first.
  • Each has a real cost: Crypto.com trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%; Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission
  • They diverge on capability: Crypto.com covers Cryptocurrency Trading, Fidelity covers Commission-free trading.

Where they differ

Only the attributes on which Crypto.com and Fidelity actually diverge.

Attributes where Crypto.com and Fidelity differ
AttributeCrypto.comFidelity
Starting priceFreeOn request
Pricing modelUnknowntransaction
Free tierYesNo
Founded20161946

Identical on both: platforms (Web, iOS, Android), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Crypto.com

  • Cryptocurrency Trading
  • Visa Card
  • Crypto Earn
  • DeFi Wallet
  • NFT
  • Visa
  • Apple Pay
  • Google Pay

Only in Fidelity

  • Commission-free trading
  • Retirement planning
  • Advisory services
  • Research tools
  • Bank accounts
  • Investment accounts
  • IOS support

Both cover

  • Web support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Crypto.com

  • Exchangesnot Fidelity
  • Walletsnot Fidelity
  • Paymentsnot Fidelity

Fidelity

  • Commission free trading of US stocks and ETFsnot Crypto.com
  • Holding IRAs, 401(k) plans and taxable brokerage accountsnot Crypto.com
  • Trading bonds, options and mutual funds from one accountnot Crypto.com

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Crypto.com

  • Trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%
  • Bitcoin withdrawal fees are excessive at 0.0004 BTC (approximately $47) versus actual blockchain mining fees
  • Customer support experiences significant delays up to months, with Trustpilot rating of 2.0/5
  • CRO token dependency for fee reductions and card rewards exposes users to token price volatility
  • Account freezes, card blocks, and verification delays reported by users

Fidelity

  • Options trades carry a 0.65 USD per contract fee on top of zero commission
  • Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
  • Secondary market bonds cost 1.00 USD per bond, while new issues are free
  • A foreign settlement fee of 50 USD applies per trade
  • Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
  • Margin liquidation by the broker costs 32.95 USD per liquidation

Pricing, plan by plan

Crypto.com

Free

No published plan breakdown. See the Crypto.com review.

Fidelity

On request
  • Brokerage$undefined/month
    • Commission-free trading
    • Research tools
  • Advisory$undefined/month
    • Personal advisor
    • Wealth management

Which should you pick?

Choose Crypto.com if

  • You need cryptocurrency trading.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want visa card.
Crypto.com review

Choose Fidelity if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Fidelity review

Questions people ask

Is Crypto.com or Fidelity better?
Neither clearly leads. Crypto.com starts at Free and Fidelity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Crypto.com or Fidelity?
Crypto.com has a free tier; the other does not. Paid plans start at Free for Crypto.com and On request for Fidelity.
Does Crypto.com or Fidelity run on more platforms?
Crypto.com runs on Web, iOS, Android. Fidelity runs on Web, IOS, Android.
Can I use Crypto.com for free?
Yes. Crypto.com has a free tier, so you can try it without paying. Fidelity starts at On request.
What is Crypto.com best used for?
Crypto.com is most often used for exchanges, wallets, payments. Of those, exchanges and wallets are not what Fidelity is typically brought in for.
What can Crypto.com do that Fidelity cannot?
Crypto.com covers Cryptocurrency Trading, Visa Card, Crypto Earn, DeFi Wallet. Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Both handle Web support, Android support.

Answered from the vendors’ own pages

Crypto.com: What are Crypto.com's trading fees?

Base spot trading fees are 0.25% for makers and 0.5% for takers. Fees decrease with higher 30-day trading volume and CRO staking, with volume-based discounts reaching 0.065% maker and 0.1% taker fees at $5M volume.

Source
Crypto.com: What is the difference between Crypto.com App and Exchange?

The App is designed for beginners with embedded spreads reaching 0.5-1%, while the Exchange platform shows transparent maker/taker fees starting from 0.25%/0.50%, with costs decreasing with CRO staking and VIP levels.

Source
Crypto.com: What are the total costs of trading on Crypto.com?

Estimated total costs are approximately 1.30% per trade, composed of 0.75% trading fees and an approximate spread of 0.55%.

Source
Crypto.com: What integrations does Crypto.com have?

Crypto.com integrates with Coinbase and Kraken for cryptocurrency trading and account activity, enabling multi-exchange portfolio management.

Source
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