How to Withdraw Money From Crypto.com: Quick & Secure Methods

Getting money out of Crypto.com can feel confusing at first, but honestly, it’s not too bad once you know the steps. A lot of people get tripped up by the different withdrawal options or worry about fees and security when moving their funds.

Crypto.com gives you two main ways to withdraw: you can either transfer crypto to an external wallet, or convert your crypto to cash and send it to your bank account. Which one you pick really depends on whether you want to keep holding crypto or just want cash in hand.

The platform supports withdrawals in several currencies and builds in security features to keep your funds safe. If you know the basic steps, fees, and safety tips, you’ll move your money with a lot more confidence—and you’ll skip the headaches that could slow things down.

Essential Steps to Withdraw Money From Crypto.com

Crypto.com lays out three main withdrawal options: you can transfer fiat to a bank account, send crypto to an external wallet, or just use the Crypto.com Visa card for quick spending. Each approach fits different needs and comes with its own quirks and requirements.

Choosing a Withdrawal Method

Pick your withdrawal method based on what you’re after. If you want cash in your bank, go for fiat withdrawal after converting your crypto. If you want to move crypto to your own wallet or another exchange, pick the crypto withdrawal to external wallet.

The Crypto.com Visa card is the way to go if you want to spend instantly or grab cash from an ATM. That skips the bank transfer wait and gives you immediate access to your money.

Stuff to consider:

Speed – Card is instant, bank transfers can take 1-5 days

Fees – Fiat withdrawals usually cost less than crypto network fees

Purpose – Are you spending now, or storing long-term?

Each withdrawal type comes with its own verification levels and limits. Check your account status before you start so you know what to expect.

Withdrawing Fiat to Your Bank Account

To withdraw fiat, first convert your crypto to cash in the Crypto.com app. Head to your crypto wallet, pick what you want to sell, and swap it into your fiat wallet.

Then, in the fiat wallet section, hit "Transfer," then "Withdraw," and pick "Fiat" as your destination. Make sure your linked bank account matches your account name exactly—it’s picky about that.

Regional withdrawal options:

USA: ACH transfers, $100 minimum, free, 1-3 business days

Europe: SEPA transfers, €80 minimum, €1 fee, same business day

UK: FPS transfers, £70 minimum, £1.90 fee, usually minutes to hours

Global: SWIFT transfers, $100 minimum, $25 fee, 2-5 business days

You'll need to finish KYC verification before withdrawing fiat. In most regions, the bank account has to be one you’ve already used for deposits—just another security check.

Withdrawing Crypto to an External Wallet

If you want to send crypto out, pick your coin from the crypto wallet, tap "Transfer," then "Withdraw," and choose "External Wallet."

Add your destination wallet by pasting the address or scanning a QR code. Double-check you’re picking the correct blockchain network—messing this up can mean losing your funds for good.

Network selection tips:

Bitcoin: Only the BTC network works

Ethereum: Use ERC-20 network for ETH and ERC-20 tokens

USDT: Choose from networks like ERC-20, TRC-20, etc.

Network fees change depending on the coin and how busy the blockchain is. Bitcoin withdrawals usually cost about 0.0004 BTC, and Ethereum can run 0.005 ETH or more if things are congested.

Turn on two-factor authentication and consider whitelisting addresses for extra safety. It’s smart to test with a small transfer before sending bigger amounts, just in case.

Using the Crypto.com Visa Card for Instant Access

The Crypto.com Visa card gives you instant access to your crypto funds—no waiting for bank transfers. Load the card through the app using your crypto or fiat wallet balance.

When you load the card, your funds convert to local fiat currency. You can spend anywhere Visa’s accepted or pull cash from ATMs around the world.

ATM withdrawal limits by card tier:

Midnight Blue: $200 free monthly, 2% fee after

Ruby Steel: $400 free monthly, 2% fee after

Jade Green/Indigo: $800 free monthly, 2% fee after

Icy White/Rose Gold: $1,000 free monthly, 2% fee after

Depending on your card tier, you’ll earn 1%-5% crypto cashback rewards (in CRO tokens) on all your purchases.

Once you load the card, you can’t convert those funds back to crypto or send them to your bank—so only load what you plan to spend soon.

Important Withdrawal Considerations and Security

Before you withdraw from Crypto.com, it’s worth knowing the verification steps, fees, and security features. Picking the right network and tightening up your account security can save you a headache.

Verification, Limits, and KYC Requirements

Crypto.com asks for full KYC verification before you can withdraw. You’ll need to provide a government-issued ID, proof of address, and go through identity checks.

Your withdrawal limits depend on your verification level. Basic accounts get lower daily limits, while fully verified users can move more, both in crypto and fiat.

Daily withdrawal limits by account tier:

Basic verification: Lower limits

Full verification: Higher limits

VIP tiers: Even higher limits

It’s best to get verified early to avoid any last-minute delays. Sometimes the KYC process takes a few days, especially if things are busy.

Some countries—like those in the EU—might ask for extra documents for certain withdrawals, like SEPA transfers.

Network Selection and Fees

Network fees go up and down with blockchain congestion. Always check current fees before you hit withdraw.

Popular networks and what to expect:

Ethereum (ERC-20): Fees spike during busy times

Solana: Lower fees, faster transactions

Bitcoin: Fees depend on network activity

Polygon: Cheap alternative for supported tokens

If you pick the wrong network, your funds could be gone for good. Make sure your receiving wallet supports the network you choose.

Network fees are separate from Crypto.com’s own withdrawal fees. So, total costs include both platform and blockchain fees.

People into DeFi often stick with networks like Solana or Polygon to avoid high fees.

Security: 2FA and Address Whitelisting

You’ll need two-factor authentication (2FA) for any crypto withdrawal. Set it up with SMS or an authenticator app before you try to move funds.

Address whitelisting gives you another layer of protection. With it, you can limit withdrawals to only pre-approved wallet addresses.

Security features you should use:

SMS 2FA: Get codes via text

Google Authenticator: Use the app for codes

Address whitelisting: Only allow withdrawals to trusted addresses

Withdrawal confirmations: Email confirmations before funds move

Turn on every security feature you can. These steps block unauthorized access, even if someone gets your password.

Double-check wallet addresses (like for MetaMask) before whitelisting. If you enter the wrong one, there’s no way to recover those funds.

Common Withdrawal Issues and Troubleshooting

Pending withdrawals usually go through in 2-3 hours, but sometimes you’ll see delays if the network’s busy or there’s a security check.

Common issues and solutions:

Insufficient funds: Double-check your balance—don’t forget about network fees.

Wrong network: Reach out to support right away; there’s a risk your funds could be lost.

Failed verification: You might need to finish extra KYC steps.

Suspended account: Get in touch with customer support for help.

SEPA network transfers usually land in 1-2 business days for folks in the EU. Crypto withdrawal times? That’s all about how fast the blockchain confirms things.

Always verify your receiving wallet address before you hit submit. Once a crypto transaction is confirmed, there’s pretty much no going back.

If your transaction gets stuck, customer support can step in—but you’ll need your transaction ID and wallet address handy.