Personal Finance · head to head
Crypto.com vs Splitwise
Crypto.com
Personal Finance
The best place to buy, sell, and pay with crypto
- From
- Free
- Rated
- -
The short version
- 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%; Splitwise the free tier limits how many expenses can be added in a day and shows adverts
- They diverge on capability: Crypto.com covers Cryptocurrency Trading, Splitwise covers Bill splitting.
Where they differ
Only the attributes on which Crypto.com and Splitwise actually diverge.
| Attribute | Crypto.com | Splitwise |
|---|---|---|
| Pricing model | Unknown | freemium |
| Founded | 2016 | 2011 |
Identical on both: starting price (Free), free tier (Yes), 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 Splitwise
- Bill splitting
- Expense tracking
- Group management
- Settlement tracking
- Venmo
- PayPal
- 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 Splitwise
- Walletsnot Splitwise
- Paymentsnot Splitwise
Splitwise
- Splitting shared household bills between flatmatesnot Crypto.com
- Tracking who owes what on a group tripnot Crypto.com
- Settling up across currencies on the Pro plannot Crypto.com
- Recording IOUs between friends over timenot 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
Splitwise
- The free tier limits how many expenses can be added in a day and shows adverts
- Transaction import works in the United States only
- Currency conversion, receipt scanning, charts and expense search are all Pro features
- The Pro price is not shown on the product page
Pricing, plan by plan
Crypto.com
FreeNo published plan breakdown. See the Crypto.com review.
Splitwise
Free- FreeFree
- Bill splitting
- Group tracking
- Mobile app
- Splitwise Pro$4.99/month
- Receipt scanning
- Advanced analytics
- No ads
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.
Choose Splitwise if
- You need bill splitting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want expense tracking.
Questions people ask
- Is Crypto.com or Splitwise better?
- Neither clearly leads. Crypto.com starts at Free and Splitwise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Crypto.com or Splitwise?
- Crypto.com starts at Free and Splitwise at Free.
- Does Crypto.com or Splitwise run on more platforms?
- Crypto.com runs on Web, iOS, Android. Splitwise runs on Web, IOS, Android.
- Can I use Crypto.com for free?
- Both have a free tier, so you can try either at no cost before committing.
- 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 Splitwise is typically brought in for.
- What can Crypto.com do that Splitwise cannot?
- Crypto.com covers Cryptocurrency Trading, Visa Card, Crypto Earn, DeFi Wallet. Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. 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.
SourceCrypto.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.
SourceCrypto.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%.
SourceCrypto.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