Crypto platforms often feel far more complex than traditional banking apps. While a standard bank transfer might take just a few taps, withdrawing from Crypto.com involves navigating wallets, network selections, verification steps, and security protocols. One moment you're ready to move funds, the next you're confirming two-factor authentication, selecting blockchain networks, or waiting for KYC approval.
If you've ever felt confused about how to cash out your crypto or send it elsewhere, you're not alone. This guide breaks down how to withdraw money from Crypto.com in clear, jargon-free steps—whether you're moving fiat to your bank, transferring crypto to an external wallet, or using the Crypto.com Visa Card for instant spending.
3 Main Ways to Withdraw Money From Crypto.com
There are three primary methods to access your funds on Crypto.com. The best choice depends on your financial goal:
1. Withdraw Fiat to Your Bank Account
Convert your crypto to cash (USD, EUR, GBP, etc.) and transfer it directly to your linked bank account. This is ideal if you want real-world currency in your traditional banking system.
2. Withdraw Crypto to an External Wallet
Send your digital assets—like Bitcoin, Ethereum, or USDT—to a personal wallet such as MetaMask, Trust Wallet, or a hardware wallet like Ledger. This gives you full control over your holdings.
3. Use the Crypto.com Visa Card
Spend your funds instantly without waiting for transfers. Load your card with crypto or fiat and use it online, in-store, or at ATMs—complete with cashback rewards.
Each method has its own setup process, fees, and timing. Let’s dive into each one.
How to Withdraw Fiat to Your Bank Account
Turning crypto into spendable cash starts with converting your digital assets and transferring them to your bank.
Step-by-Step Process
1. Convert Crypto to Fiat
Before withdrawing, you must convert your cryptocurrency into a supported fiat currency.
- Open the Crypto.com App
- Tap Accounts > Crypto Wallet
- Select the coin you want to sell (e.g., Bitcoin)
- Tap Sell, then choose your Fiat Wallet (like USD Wallet) as the destination
- Enter the amount and confirm the sale
Your crypto is now converted into cash within your fiat wallet.
2. Initiate the Withdrawal
- Go to Accounts > Fiat Wallet
- Tap your fiat balance (e.g., USD)
- Select Transfer > Withdraw > Fiat
3. Link or Select Your Bank Account
- If you've previously deposited from a bank, it will appear in your list—simply select it.
- If not, link your bank using ACH (via Plaid in the U.S.) or manually enter IBAN/account details.
- ⚠️ The account must be under your name—mismatched names cause failed transfers.
4. Confirm Amount and Authenticate
- Enter the withdrawal amount (must meet minimums)
- Review any fees or daily limits
- Confirm with biometrics or passcode
👉 Discover how to move your crypto profits seamlessly into real-world spending power.
Processing time varies by region but typically takes 1–3 business days.
Regional Withdrawal Methods & Fees
| Region | Transfer Type | Minimum | Fee | Timeframe |
|---|---|---|---|---|
| USA | ACH | $100 | $0 | 1–3 days |
| Europe | SEPA | €80 | €1.00 | <1 day |
| UK | FPS | £70 | £1.90 | Minutes–hours |
| Australia | NPP/PayID | A$100 | A$1.99 | Instant–24h |
| Singapore | FAST | S$50 | S$1.99 | Minutes–24h |
Unlisted regions default to SWIFT transfers ($25 fee, 2–5 days).
Tips to Avoid Failed Transfers
- ✅ Complete full KYC verification
- ✅ Deposit at least once from the bank you plan to withdraw to
- ✅ Ensure name matching between Crypto.com and bank accounts
How to Withdraw Crypto to an External Wallet
Taking custody of your crypto means transferring it off-platform to a wallet you fully control.
Step-by-Step Guide
1. Choose Your Crypto
- Navigate to Accounts > Crypto Wallet
- Select the asset you wish to withdraw (e.g., ETH, BTC, USDT)
2. Start the Transfer
- Tap Transfer > Withdraw > External Wallet
Avoid internal options like “Crypto.com Users” unless sending within the app.
3. Add Destination Address
- Tap + Add Wallet Address
- Paste the recipient address or scan QR code
- 🔥 Critical: Select the correct network (e.g., USDT on ERC20 vs TRC20)
- Assign a nickname (e.g., “My Ledger”) for future use
❗ Sending to the wrong network can result in permanent loss.
4. Confirm Amount and Send
- Enter transfer amount (must exceed minimums)
- Review estimated network fee
- Confirm via 2FA
Once processed, the transaction appears on-chain.
Network Fees & Limits
Crypto.com charges only the underlying blockchain fee:
- BTC: ~0.0004 BTC
- ETH: ~0.005 ETH (varies with congestion)
- USDT (ERC20): ~$10–20
- CRO: ~100 CRO
Minimum withdrawals are small (e.g., 0.001 BTC), but ensure you send enough to cover fees.
Security Best Practices
- Enable 2FA using an authenticator app (not SMS)
- Use address whitelisting with 24-hour delays
- Always double-check addresses and networks
- Perform a test transfer with a small amount first
👉 Learn how secure crypto transfers can protect your digital wealth long-term.
Using the Crypto.com Visa Card for Instant Access
For fast spending without bank delays, the Crypto.com Visa Card offers immediate liquidity.
How It Works
Load funds from your crypto or fiat wallet and spend globally. Benefits include:
- Up to 5% cashback in CRO tokens
- No foreign transaction fees (within limits)
- ATM withdrawals with tier-based allowances
Card tiers improve with higher CRO staking—unlocking perks like airport lounge access and subscription rebates.
How to Use the Card
1. Top Up Your Card
- Open the app and go to the Card tab
- Tap Top Up
Choose funding source:
- Crypto Wallet: Instant conversion to local fiat
- Fiat Wallet: Direct load from existing cash balance
- (U.S. users may also use PayPal or debit cards)
Funds loaded cannot be reversed into crypto or withdrawn to banks.
2. Spend Anywhere Visa Is Accepted
Use online or in-store like any debit card. Transactions settle instantly.
3. ATM Withdrawals
Monthly free limits depend on card tier:
| Tier | Monthly Free ATM Withdrawal |
|---|---|
| Midnight Blue | $200 |
| Ruby Steel | $400 |
| Jade Green / Indigo | $800 |
| Icy White / Frosted Rose Gold | $1,000 |
Excess amounts incur a 2% fee. Limits reset every 30 days.
Frequently Asked Questions (FAQ)
Can I withdraw directly from my Crypto.com Exchange account?
Yes, but funds must first be moved to your personal wallet within the app before withdrawal to external destinations.
Are there withdrawal limits on Crypto.com?
Yes—limits vary by verification level, region, and withdrawal method. Higher KYC tiers unlock larger limits.
Why was my bank withdrawal rejected?
Common causes include name mismatches, unlinked banks, or incomplete KYC. Always verify details before submitting.
What happens if I send crypto to the wrong network?
Transactions are irreversible. If sent via the wrong blockchain (e.g., ERC20 USDT to a TRC20 address), recovery is unlikely.
Does Crypto.com charge withdrawal fees?
For fiat: platform fees vary by region (some are free). For crypto: only network fees apply—no additional markup.
Can I get cashback when using the Crypto.com Card abroad?
Yes—you earn cashback regardless of location, though currency conversion fees may apply beyond set thresholds.
Final Thoughts: Which Option Is Right for You?
Your ideal withdrawal method depends on your needs:
- Need cash in your bank? → Use fiat withdrawal
- Want full control of assets? → Transfer to an external wallet
- Prefer instant spending? → Load the Crypto.com Visa Card
Always verify addresses, networks, and account details. When in doubt, start with a small test transaction.
👉 Explore smarter ways to manage and move your crypto across platforms securely.