This FAQ covers everything you need to know about cashing out on Crypto.com, from selling crypto to fiat, withdrawing to your bank, and using the Visa card. Whether you're a beginner or an experienced user, you'll find clear answers to the most common questions about converting your crypto into cash.

What are the steps to cash out on Crypto.com?

To cash out on Crypto.com, you first need to sell your cryptocurrency for fiat currency (like USD, EUR, or GBP) within the app, then withdraw that fiat to your bank account.

Here's a step-by-step guide:

  • Open the Crypto.com app and log in.
  • Tap the "Sell" button (usually on the home screen) and select the cryptocurrency you want to sell.
  • Choose the fiat currency you want to receive (e.g., USD) and enter the amount.
  • Review the exchange rate and any fees, then confirm the sale.
  • Once the sale is complete, go to "Fiat Wallet" and select "Withdraw".
  • Choose your bank account (or add a new one) and enter the amount to withdraw.
  • Confirm the withdrawal; the fiat will be sent to your bank via wire transfer or ACH, depending on your region.

The entire process typically takes a few minutes for the sale, while bank transfers may take 1-5 business days.

How long does it take to withdraw money from Crypto.com to a bank account?

Withdrawal times from Crypto.com to a bank account vary by method and region, but generally range from 1 to 5 business days for standard bank transfers.

For example, in the United States, ACH transfers usually take 1-3 business days, while wire transfers may arrive on the same day if initiated before the cutoff. In Europe, SEPA transfers typically take 1-2 business days. Crypto.com also offers instant withdrawals to Visa cards or via certain payment partners, but these may incur higher fees.

Note: Always check the specific withdrawal method available in your country and the estimated time shown in the app before confirming.

What are the fees for cashing out on Crypto.com?

Crypto.com charges fees for selling crypto and withdrawing fiat, but the exact amount depends on your trading volume tier and the withdrawal method used.

For selling crypto, the fee is typically the spread (the difference between the buy and sell price) plus a trading fee if you use the Exchange platform. In the app, the spread is built into the price, so you may not see a separate fee line. For fiat withdrawals, Crypto.com generally does not charge a fee for ACH or SEPA transfers, but wire transfers may incur a fee (e.g., $25 or more).

To minimize fees, consider using the Crypto.com Exchange (if available in your region) where fees are lower for high-volume traders. Also, check the fee schedule in the app under "Settings" > "Fees & Limits".

Can I cash out directly to my credit or debit card on Crypto.com?

Yes, Crypto.com allows you to cash out directly to your Visa debit card (including the Crypto.com Visa card) for instant withdrawals, but this option is not available for all users and may have higher fees.

To do this, go to "Fiat Wallet" > "Withdraw" and choose the "Visa Card" option if it's available in your region. You'll need to have a valid Visa card that supports instant withdrawals. The funds are typically credited immediately, but a fee of around 2% may apply.

Note that this feature is limited to certain countries and card types, so check the app for availability.

Why can't I withdraw my money from Crypto.com? (Common issues)

If you're unable to withdraw funds from Crypto.com, it's usually due to pending verification, security holds, or not meeting the withdrawal requirements.

Common reasons include:

  • Incomplete KYC (identity verification) – you must complete level 2 verification to withdraw fiat.
  • Bank account not linked or verified – you need to add and verify your bank account first.
  • Withdrawal limits – you may have exceeded your daily or monthly withdrawal limit.
  • Funds are in crypto, not fiat – you must sell your crypto first.
  • Security lock – if you recently changed your password or enabled 2FA, there may be a 24-48 hour lock.

If you've checked all these and still have issues, contact Crypto.com support via the app for assistance.

How do I cash out on Crypto.com using the Crypto.com Visa card?

To cash out using the Crypto.com Visa card, you can either spend your crypto directly with the card or load fiat onto the card and then withdraw cash from an ATM.

Here's how:

  • If you want to use your crypto balance, go to the "Card" tab and enable "Use Crypto" for purchases. When you tap to pay, Crypto.com will instantly convert your selected crypto to fiat at the point of sale.
  • To withdraw cash from an ATM, you first need to sell crypto to fiat in the app, then top up your Visa card with that fiat. Then, use your card at any ATM that accepts Visa to withdraw local currency.

ATM withdrawals are free up to a certain monthly limit (e.g., $400 in the US), after which a 2% fee applies. This method is convenient if you want to access your funds in cash quickly.

What are the limits for cashing out on Crypto.com?

Crypto.com imposes daily and monthly withdrawal limits for fiat and crypto, which vary based on your verification level.

For example, unverified users may have no withdrawal access, while verified users can withdraw up to $50,000 per day or higher depending on their tier. The exact limits are displayed in the app under "Settings" > "Fees & Limits".

If you need to withdraw a larger amount, you may need to contact support for a temporary limit increase. Always plan ahead if you're withdrawing a significant sum.

Is it better to cash out on Crypto.com app or Exchange?

If you want lower fees and better prices, use the Crypto.com Exchange; if you prefer convenience and simplicity, use the app.

The app is easier for beginners but includes a spread of about 0.5-1% on trades. The Exchange offers maker/taker fees as low as 0.075% for high-volume traders and allows you to set limit orders for more control. However, the Exchange is not available in the US, and even where available, you'll need to transfer funds between the app and exchange.

For most casual users, the app is sufficient. For large amounts or active traders, the Exchange can save money.

Final Thoughts

Cashing out on Crypto.com is a straightforward process, but it's important to understand the fees, limits, and withdrawal times to avoid surprises. Always ensure your account is fully verified and your bank details are correct.

If you're a frequent trader, consider using the Exchange for lower fees. For occasional withdrawals, the app's simplicity is hard to beat.

Finally, keep security in mind: enable two-factor authentication and never share your login details. With these tips, you'll be able to cash out smoothly and securely.