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Personal Finance · head to head

Crypto.com vs Wise Business

Crypto.com logo

Crypto.com

Personal Finance

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

From
Free
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting

The smart way to send and receive business payments

From
$29/month
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%; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: Crypto.com covers Cryptocurrency Trading, Wise Business covers Multi-currency accounts.

Where they differ

Only the attributes on which Crypto.com and Wise Business actually diverge.

Attributes where Crypto.com and Wise Business differ
AttributeCrypto.comWise Business
Starting priceFree$29/month
Pricing modelUnknownusage-based
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb, Ios, Android, Api
CategoryPersonal FinanceAccounting
Founded20162011

Identical on both: user rating (Not yet rated).

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 Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Xero
  • QuickBooks
  • Various

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

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

Crypto.com

  • Exchangesnot Wise Business
  • Walletsnot Wise Business
  • Paymentsnot Wise Business

Wise Business

  • Holding and converting multiple currencies as a businessnot Crypto.com
  • Paying international suppliers and contractors at the mid market ratenot Crypto.com
  • Receiving payments into local currency account details in several countriesnot 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

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per month

Pricing, plan by plan

Crypto.com

Free

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

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

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 Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is Crypto.com or Wise Business better?
Neither clearly leads. Crypto.com starts at Free and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Crypto.com or Wise Business?
Crypto.com has a free tier; the other does not. Paid plans start at Free for Crypto.com and $29/month for Wise Business.
Does Crypto.com or Wise Business run on more platforms?
Crypto.com runs on Web, iOS, Android. Wise Business runs on Web, Ios, Android, Api.
Can I use Crypto.com for free?
Yes. Crypto.com has a free tier, so you can try it without paying. Wise Business starts at $29/month.
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 Wise Business is typically brought in for.
What can Crypto.com do that Wise Business cannot?
Crypto.com covers Cryptocurrency Trading, Visa Card, Crypto Earn, DeFi Wallet. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access. Both handle Web support, Ios 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
Wise Business: How fast are international transfers with Wise Business?

Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.

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
Wise Business: Does Wise Business offer volume discounts?

Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.

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
Wise Business: How does Wise Business keep funds secure?

Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.

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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