River vs Crypto.com: Which is Best? [2026]
Key differences
River vs Crypto.com Fees Calculator
We built this fee calculator to help you compare the fees of River and Crypto.com.
Enter the amount you want to buy and we'll show you the estimated fees for each exchange.
River vs Crypto.com in Comparison
Description
River is a trusted Bitcoin-only exchange based in the USA.
Globally licensed cryptocurrency platform offering a wide range of crypto services in over 100 countries.
Supported Countries
USA
Available in 100+ countries including US (49 states), Canada, Australia, Brazil, Singapore, UK, most of Europe, and many Asian and Middle Eastern markets. Not available in New York.
Supported Cryptocurrencies
Bitcoin-only
350+ cryptocurrencies including BTC, ETH, USDC, USDT, BNB, ADA, SOL, DOGE, XRP, DOT, MATIC, AVAX, LINK, UNI, ATOM, and many others across multiple blockchains.
Fees
- Order Size: Up to $1,000,000 | Fee: 1.00%
- Order Size: >$1,000,000 to $5,000,000 | Fee: 0.70%
- Order Size: >$5,000,000 to $15,000,000 | Fee: 0.40%
- Order Size: >$15,000,000 | Fee: 0.25%
- Order Size: All recurring buy orders | Fee: 0.00%
- Trading Fees (Without CRO):
- Volume < $10,000: Maker 0.25%, Taker 0.50%
- Volume ≥ $10,000: Maker 0.20%, Taker 0.40%
- Volume ≥ $50,000: Maker 0.15%, Taker 0.25%
- Volume ≥ $250,000: Maker 0.10%, Taker 0.20%
- Volume ≥ $500,000: Maker 0.08%, Taker 0.18%
Payment Methods
ACH, Bank Account, Wire Transfer
Bank Transfer, Wire Transfer, Credit Card, Debit Card, PayPal, Apple Pay, Google Pay
Do These Exchanges Allow you To Earn Interest on Crypto?
3.8%
Earn 3.8% interest on FDIC-insured cash, paid out in Bitcoin. No fees or minimums. Withdraws allowed anytime.
Mobile App Ratings
iOS Rating: 4.8 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.9 Official rating from the Android Play Store as of November 18, 2024.
iOS Rating: 4.5 Official rating from the iOS App Store as of November 18, 2024.
Android Rating: 4.3 Official rating from the Android Play Store as of November 18, 2024.
Storage
River holds client Bitcoin in full reserve with no lending. They built their own custody systems from the ground up to minimize third-party dependencies. Security includes regular independent audits, mandatory 2FA, real-time notifications, 24/7 monitoring, and bcrypt password hashing. Users can verify holdings via Proof of Reserves.
Comprehensive security with 1:1 asset reserves and third-party Proof of Reserves verification. Regulated custodian accounts for fiat deposits. Security certifications include ISO 22301, ISO/IEC 27701, ISO/IEC 27001, PCI DSS v4.0, and SOC 2 Type II. Features bug bounty program via HackerOne.
Have These Exchanges Been Hacked Before?
No. Has never lost customer funds in any way.
Yes, Crypto.com was hacked in January 2022. Attackers bypassed 2FA authentication and stole over $30 million worth of cryptocurrency from 483 customer accounts. All affected customers were fully reimbursed by the company.
Official Site
Exchange Review
"I really like the app so far. It does what it's supposed to and paired with the desktop web app, I could not personally ask for more. Great customer service and lots of upcoming features in the pipeline from my understanding."
- Real user review from iOS App Store, Android Play Store or Trustpilot
No review available
"Crypto.com has been my go-to platform for years. The app is user-friendly, customer support is responsive, and the variety of services available is impressive. The security features give me peace of mind, and the global reach means I can use it wherever I travel."
- Real user review from iOS App Store, Android Play Store or Trustpilot
River vs Crypto.com Comparison
Security Track Record
River has never been hacked or lost customer funds in any way. The company maintains a perfect security record with all bitcoins stored offline in secure cold storage, mandatory 2FA authentication, and military-grade security for cold storage.
Crypto.com was hacked in January 2022 when attackers bypassed 2FA authentication and stole over $30 million worth of cryptocurrency from 483 customer accounts. While all affected customers were fully reimbursed, this incident demonstrates potential security vulnerabilities. Crypto.com has since improved security measures and holds multiple security certifications (ISO 27001, SOC 2).
Fee Structures
River charges 1% for one-time purchases but offers zero fees for recurring purchases (DCA). For investors who dollar-cost average into Bitcoin regularly, River offers the cheapest way to accumulate BTC over time.
Crypto.com charges 0.50% for trades under $10,000, with fees decreasing for higher volumes. However, there's no special DCA pricing—you pay fees on every transaction. For one-time large purchases, Crypto.com may be cheaper, but for regular DCA investors, River wins.
Supported Cryptocurrencies
River is Bitcoin-only by design. The company believes this focus allows them to provide maximum security and the best possible Bitcoin buying experience.
Crypto.com supports 350+ cryptocurrencies including Bitcoin, Ethereum, Solana, and hundreds of altcoins. If you want to diversify across multiple cryptocurrencies, Crypto.com offers far more options.
US Availability
River is available in 48 US states (excluding New York and Nevada), with straightforward regulatory compliance and dedicated US-based customer support.
Crypto.com is available in 49 US states (excluding New York). Both platforms have similar US coverage, though River has a stronger focus on the American market.
Additional Features
River offers unique features for Bitcoin maximalists: ability to earn interest on USD balances (paid in BTC), Bitcoin mining services, private client services for large purchases, and excellent human customer support.
Crypto.com offers a comprehensive ecosystem including a crypto Visa card with cashback rewards, staking and interest accounts, NFT marketplace, and extensive trading features.
Customer Support
River is known for excellent human customer support with real people available to help. Users consistently praise the responsive and knowledgeable support team.
Crypto.com provides 24/7 live chat and email support, though experiences vary. The platform serves a much larger user base globally.
Which Should You Choose?
Choose River if you're focused on Bitcoin, want the cheapest DCA fees (0%), value a perfect security track record, and prefer excellent human customer support.
Choose Crypto.com if you want access to 350+ cryptocurrencies, are interested in their crypto Visa card with rewards, or want to participate in staking and other DeFi features.
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