How to deposit and withdraw on Crypto.com Exchange

Whether you trade daily or move assets occasionally, the Crypto.com Exchange offers multiple ways to move funds in and out of your trading account.

You’ll learn more about fast, fee-free internal transfers to network-level crypto deposits and supported fiat rails in this Exchange withdrawal and deposit guide.

How to deposit to the Crypto.com Exchange

You can fund your Crypto.com Exchange account in three ways: transfer crypto from your Crypto.com App, deposit crypto from an external wallet or deposit fiat (e.g., USD, EUR, GBP) using supported payment rails.

1. Deposit from Crypto.com App (internal transfer)

If you already use the Crypto.com App, the fastest way to move funds into your Exchange account is through an internal transfer. This transfer happens off-chain, meaning you don’t have to pay network fees and you may enjoy near-instant transfers.

How to transfer from the App to the Exchange:

1. Open the Crypto.com App.
2. Go to ‘Transfer’ → ‘Withdraw’ → ‘Crypto’ → ‘Crypto.com Exchange’
3. Choose the token you want to send.
4. Enter the amount and confirm the transfer.

The transfer usually appears in your Exchange Spot Wallet almost immediately and you’ll receive in-app and email confirmations once processed.

2. Deposit from an external crypto wallet

You can also deposit crypto to the Exchange directly from another exchange, a self-custody wallet or a hardware wallet. 

Crypto.com provides a unique deposit address per token and per network, so it’s important to ensure that the asset and network selected on the sender side match exactly what the Exchange supports.

How to deposit from an external wallet:

1. Sign in to the Crypto.com Exchange.
2. Go to ‘Wallets’ → ‘Spot Wallet’
3. Find the cryptocurrency you want to deposit and click ‘Deposit’.
4. Select the network you intend to use (e.g., ERC-20, Cronos, BTC, Solana).
5. Copy your unique deposit address (or scan the QR code).
6. Paste the address into the sender wallet and initiate the transfer.

Once the blockchain reaches the required number of confirmations, the deposit appears in your Spot Wallet.

If a network or token isn’t listed on the deposit screen, the Exchange doesn’t support deposits for that network.

3. How to deposit fiat 

The Crypto.com Exchange supports fiat deposits in USD (‘Instant Deposit’, where available), EUR and GBP, allowing users to fund their Spot Wallets directly for trading. Each currency has its own supported transfer rails, processing times and requirements.

Fiat deposits must be sent from a bank account under your own legal name and all transfer instructions – including beneficiary details and reference codes – appear directly in your Exchange Fiat Wallet.

Deposit USD: Instant Deposit

‘Instant Deposit’ allows eligible users to top up USD using linked bank accounts via Plaid. Funds are credited immediately as usable balance while they settle in the background.

How ‘Instant Deposit’ works:

1. Link your bank account using Plaid.
2. Choose ‘Instant Deposit’ under the USD deposit menu.
3. Initiate the transfer with your desired amount.

You can use the funds right away for trading, but withdrawing them (crypto or fiat) is restricted for 7 business days after the deposit because they remain in ‘Pending Balance’ until cleared.

‘Instant Deposit’ has transaction, daily and monthly limits, which vary by user tier and region.

Successful fiat deposits appear in your ‘Fiat Wallet’ on the Exchange.

Deposit processing times

Deposit processing depends on the method:

You’ll receive email notifications once deposits are successfully credited.

The deposit flow (visual aid)

How to withdraw from the Crypto.com Exchange

Users can withdraw funds from the Crypto.com Exchange in three ways:

1. Withdraw crypto to the Crypto.com App (internal, near-instant).
2. Withdraw crypto to an external wallet (on-chain).
3. Withdraw fiat (supported methods vary by currency and region).

1. Withdraw to the Crypto.com App (internal transfer)

Similar to deposits between the Crypto.com App and Exchange, such transactions happen off-chain and won’t incur network fees.

How to withdraw crypto to the App:

1. Log in to the Crypto.com Exchange.
2. Go to ‘Wallets’ → ‘Spot Wallet’
3. Choose the cryptocurrency you want to send.
4. Click ‘Withdraw’ → ‘Crypto.com App’
5. Enter the amount and confirm the transfer.

Funds normally appear in the App within minutes and you’ll receive email confirmation once the transfer is complete.

2. Withdraw to an external crypto wallet

Withdrawing to an external wallet triggers an on-chain transaction, which requires network fees and blockchain confirmations.

For security, the Exchange enforces address whitelisting, 2-factor authentication (2FA) and SMS OTP verification before processing withdrawals.

How to withdraw crypto to an external address:

1. Sign in to the Crypto.com Exchange.
2. Go to ‘Wallets’ → ‘Spot Wallet’
3. Select the token you want to withdraw and click ‘Withdraw’.
4. Choose ‘External Wallet Address’.
5. Select or add a whitelisted withdrawal address*.
6. Enter the amount you wish to withdraw.
7. Complete withdrawal verification:
8. • SMS OTP and 2FA code (Auth app)
8. Review the withdrawal details, including the network fee, and confirm.

Once processed, the Exchange broadcasts the transaction to the blockchain. You can track its progress via the ‘TxHash’ shown in your ‘Withdrawal History’.

*How to whitelist a withdrawal address (step by step)

1. Sign in to the Crypto.com Exchange.
2. Go to ‘Dashboard’ → ‘Security Settings’ → ‘Withdrawal Whitelist’.
3. Click ‘Add Withdrawal Address’.
4. Choose the cryptocurrency and select the correct network.
5. Enter the external address and label it for easy identification.
6. Complete verification:
7. • SMS OTP and 2FA code (authenticator app)
7. (Optional) Enable ‘24-hour Withdrawal Lock’, which prevents withdrawals to newly added addresses for 24 hours.

Once approved, the address appears in your whitelist and becomes selectable during withdrawals.

3. How to withdraw fiat

Fiat withdrawals allow users to cash out directly from the Exchange to their linked bank account. Methods vary by currency.

Supported fiat withdrawal and deposit methods

* Note: Withdrawal availability varies by region and user verification status.

Step-by-step process to withdraw fiat:

1. Go to your ‘Fiat Wallet’ on the Exchange.
2. Select USD, EUR or GBP.
3. Click ‘Withdraw’.
4. Choose (or add) a bank account under your name.
5. Enter the withdrawal amount and confirm.

Your bank may take 1 to 5 business days to complete the transfer depending on the currency network used.

Fiat withdrawals will only be available once your account is fully verified (KYC passed) and any pending balances have cleared.

Withdrawal processing times

Deposit and withdrawal fees and limits

Crypto.com doesn’t charge fees for depositing cryptocurrencies into the Exchange. However, each network has its own protocol-level minimums. 

The Crypto.com Exchange also displays all withdrawal fees and minimum amounts directly inside the withdrawal interface. Fees vary by blockchain.

1. Crypto withdrawals

Crypto withdrawals are charged a network fee (note that this isn’t a Crypto.com fee). The fee depends on congestion and blockchain conditions and minimum withdrawal amounts differ by token and network and are displayed clearly in the interface.

2. Fiat withdrawals

Crypto.com doesn’t charge fiat withdrawal fees, but your bank may charge wire, international transfer or SEPA processing fees.

3. Internal transfers (Exchange to App and vice versa)

It’s free and instant, with no minimum amount requirements.

Network requirement and limits examples

Crypto.com displays the correct network, address format and any memo or tag requirements for each asset right before you make a transfer. 

Minimum and maximum amounts also vary by asset and can change over time, so always follow the limits shown in the App or on the web version.

Here are two examples for BTC and ETH.

Your daily withdrawal limit on the Crypto.com Exchange is determined by your account verification level, region and security settings. Higher verification tiers may unlock higher withdrawal limits.

During the withdrawal process, the Exchange automatically displays your remaining daily limit so you can check how much you can withdraw before confirming the transaction.

The withdrawal flow (visual aid)

Linking wallets and managing addresses

Unlike deposits, which can come from any supported source, withdrawals can only go to whitelisted addresses that you have approved in advance.

The Exchange provides a structured ‘Address Whitelist’ system that supports multiple labels and networks.

How to link and manage withdrawal addresses

Step by step to add a new withdrawal address

1. Log in to the Crypto.com Exchange.
2. Open ‘Dashboard’ → ‘Security Settings’ → ‘Withdrawal Whitelist’
3. Select ‘Add Withdrawal Address’.
4. Choose the cryptocurrency and select the correct network (e.g., ERC-20, Cronos, BTC, Solana).
5. Paste the address and assign a label for easy identification.
6. Complete the verification step using SMS OTP and 2FA code (from an authenticator app).

Once verified, the address is added to your whitelist and available for withdrawals.

Other address management features include editing and removal of addresses, as well as the option to enable 24-hour withdrawal lock.

Security measures for more secure  transfers

The Crypto.com Exchange includes several layers of protection to secure deposits and withdrawals. Users can further strengthen account security with them, on top of their individual responsibilities, such as not revealing seed phrases and other personal details.

1. Two-Factor Authentication (2FA)

It’s a must for 2FA to be enabled on the Exchange to add withdrawal addresses, confirm withdrawals and access sensitive account settings.

2. SMS OTP verification

When confirming a withdrawal, the Exchange requires a one-time SMS code in addition to 2FA. It significantly lowers the risk of unauthorized withdrawals.

3. Withdrawal whitelist

Only approved addresses can be used for external withdrawals. This prevents withdrawals to unfamiliar or erroneous addresses.

4. Email notifications

You receive emails for:

• Withdrawal requests
• Successful withdrawals
• Address whitelist changes

Unexpected notifications should trigger immediate account review and contacting Support through the chat.

Common deposit and withdrawal issues and fixes

1. Deposit not showing up

Possible causes:

• Insufficient blockchain confirmations
• Network congestion
• Sender used the wrong network
• Missing memo/tag for memo-based assets

What to do: Check the ‘TxHash’ in the sending wallet and verify it matches the deposit address and network displayed on your Exchange deposit page.

2. Withdrawal marked as ‘Pending’ for a long time

Pending status may occur due to:

• Additional security verification
• Recent whitelist changes
• High network congestion
• Risk flagging or unusual account activity

Withdrawals generally process within 2 to 3 hours before being broadcast on-chain.

3. Incorrect memo or destination tag

For assets like XRP, XLM, EOS, ATOM, STX and other memo or tag-based tokens, missing or incorrect memos or tags may cause the receiving platform not to credit the funds.

These funds are often unrecoverable unless the receiving platform supports manual recovery. Always copy the memo or tag exactly as shown.

4. Wrong network selected

Sending crypto on the wrong network (e.g., sending USDT on TRC-20 to an ERC-20 address) can result in permanent loss.

Always confirm the network shown in the Exchange deposit or withdrawal interface.

5. BRC-20 and Ordinals issues

Deposits or withdrawals must use Taproot (bc1p) addresses. Legacy or SegWit addresses won't be credited.

6. Fiat withdrawal delays

Fiat delays may occur due to:

• Bank cut-off times
• Weekends or public holidays
• Bank-side compliance checks

Banking platforms (SWIFT, SEPA, FPS) follow their own processing schedules.

7. Incorrect bank account details

Fiat withdrawals must be sent to a bank account in your own legal name. Using a mismatched or unsupported account may lead to rejection.

How to get started on the Crypto.com Exchange 

1. Sign up and verify your account

Create a Crypto.com Exchange account and complete identity verification to enable deposits and withdrawals.

2. Deposit crypto or fiat to your Spot Wallet

Use internal transfers from the App, external wallets or supported fiat rails like USD Instant Deposit, SEPA or FPS.

3. Trade with your deposited funds

Buy, sell or convert supported cryptocurrencies on the Exchange with full access to spot trading features.

4. Withdraw securely anytime

Move funds back to your App, external wallets or bank accounts using the withdrawal tools and security controls built into the Exchange.

FAQs about depositing and withdrawing on Crypto.com Exchange

What cryptocurrencies can I deposit to the Exchange?

You can deposit a wide range of cryptocurrencies supported by the Exchange, each with its own supported networks. The deposit page for each token shows the exact networks available, memo/tag requirements and any special address format rules (e.g., Taproot for BRC-20). Always use the address and network displayed in your Spot Wallet.

How long does a crypto deposit take?

Processing times depend on the blockchain. Deposits are credited after the required number of confirmations. External crypto transfers may take anywhere from a few minutes to longer during network congestion. Internal transfers from the App are near-instant because they don’t require blockchain settlement.

Are there deposit or withdrawal fees?

Crypto deposits are free, while withdrawals require a network fee, which varies by blockchain conditions. Fiat deposits and withdrawals do not incur fees from Crypto.com, but your bank may charge transfer or processing fees.

What is the minimum deposit amount?

Minimums vary by token and depend on network-level rules (e.g., dust limits, gas requirements). The Exchange displays the exact minimum deposit threshold for each token and network on the deposit screen before you initiate a transfer.

Why is my withdrawal pending?

Withdrawals may remain pending due to security checks, recent whitelist changes, network congestion or risk-related review. Once processed internally, the transaction is broadcast to the blockchain and will settle based on network confirmation speed.

Can I cancel a withdrawal?

Once a withdrawal has been processed and broadcast to the blockchain, it can’t be cancelled. If you submitted a withdrawal by mistake and it is still pending internal processing, contact Support immediately, though cancellation isn’t guaranteed.

What happens if I use the wrong network?

Using the wrong network (for example, sending ERC-20 tokens to a TRC-20 address) can cause irreversible loss of funds. Always match the asset and network combination shown in the Exchange interface.

What is the daily withdrawal limit?

Withdrawal limits depend on your verification level, region and security settings. The Exchange displays your personal daily limit during the withdrawal flow, along with your remaining limit for that day.

How do I add or remove a withdrawal address?

You can manage addresses through ‘Dashboard’ → ‘Security Settings’ → ‘Withdrawal Whitelist’. Adding an address requires SMS OTP and 2FA verification. You may also enable a 24-hour lock on newly added addresses for added protection.

Are internal transfers to the Crypto.com App instant?

Yes. Transfers between the Exchange and the App are internal ledger movements, not blockchain transactions. They settle quickly and incur no network fees.

Important information: This is informational content sponsored by Crypto.com and should not be treated as investment advice. Trading cryptocurrencies carries risks, such as price volatility and market risks. Past performance may not indicate future results. There’s no assurance of future profitability. Before deciding to trade cryptocurrencies, consider your risk appetite. 

Services, features and other benefits referenced in this article may be subject to eligibility requirements, token holdings, and may change at the discretion of Crypto.com.