Bitbuy Vs Crypto.com: Which Is Better For Canadians In 2026?

How Do Bitbuy And Crypto.com Compare, Fact By Fact?

Every row below comes from each company’s own pages and the Canadian registries, checked October 2026. Where a row has no fair winner, it says so.

What Are The Key Differences Between Bitbuy And Crypto.com?

How Do You Fund And Cash Out Bitbuy And Crypto.com In Canada?

Funding for the live platform is now on Robinhood. Bitbuy-specific limits are Not published. Bank-side Interac limits also apply. Per-method fees for withdrawals and card or wire funding were not retrievable.

What Does It Actually Cost To Buy On Crypto.com?

Crypto.com: Canadian app fee schedule and spread not published on a fetched page (2026-10-03). Do not compute an all-in cost. Neither publishes a maker and taker schedule because there is no order book: the spread is the fee. If cost matters most, NDAX (flat 0.20%) or Kraken Pro are cheaper places to buy in Canada. Ranges reflect each platform’s published band, not a single quote. Bank and network fees are not included.

What Do Bitbuy And Crypto.com Offer Beyond Buying And Selling?

Bitbuy Only

• Staking: Staking on nine coins including ETH, SOL, ADA and DOT, with a combined 39% cut of rewards (30% Bitbuy plus 9% custodian).
• OTC desk and Private Wealth: Offered for large trades.

Crypto.com Only

• CAD Account: Hold CAD, deposit by Interac, balance cap CAD 100,000 (higher for Prime). Sell crypto to CAD and withdraw to your bank.
• Welcome Bonus: Canada keeps the legacy milestone-based Welcome Bonus after KYC; the amount was not verified.

What Happens To Your Money If Bitbuy Or Crypto.com Fails?

Bitbuy: Existing Bitbuy users should watch for Robinhood migration emails and read the new terms and fees before accepting. Accounts are held by Coinsquare Capital Markets Ltd., a CIRO-regulated dealer, and the registry says the CSA entry for Bitbuy Technologies Inc. is expired. If you do not want to move, withdraw your crypto to a wallet you control. CIPF covers cash but never crypto.

Crypto.com: Crypto.com in Canada is a restricted dealer under the CSA, so it must hold client assets with conditions set by regulators, but CIPF never covers crypto. A third-party insurance figure, cold storage share and proof of reserves were not found on a Canadian page, so none can be relied on here. Coins are held by the company until you withdraw. If the company failed or was hacked, you would be an unsecured claimant for anything not recovered, and withdrawals could be paused.

How Are Bitbuy And Crypto.com Treated For Tax In Canada?

Bitbuy: Selling or swapping crypto on Bitbuy was a disposition for CRA purposes. Export your full transaction history before your account is migrated or closed. Export formats: Not published.

Crypto.com: Buying with CAD is not a disposition. Selling for CAD, swapping one coin for another and spending crypto are dispositions you report to the CRA. Export formats and any CRA-ready report were not verified.

Selling, swapping or spending crypto is a disposition for the CRA on any platform. This is not tax advice: see my guide to crypto taxes in Canada.

Which Should You Choose, Bitbuy Or Crypto.com?

Choose Bitbuy If

• You want a registered platform that serves Canadians today: Coinbase is our number one replacement, with free Interac e-Transfer funding and a Canadian restricted dealer registration.
• You hold a Bitbuy account and want to compare it with what Robinhood is offering before you accept the migration.

Choose Crypto.com If

• You want a mainstream app with a wide coin list and are fine with spread-based pricing
• You want a CAD Account funded free by Interac e-Transfer
• You are not buying on fee transparency alone, since the Canadian fee schedule is not published

What Happened To Bitbuy?

Bitbuy is no longer a separate platform. Its accounts moved to Coinsquare Capital Markets Ltd. in May 2024, and since Robinhood closed its WonderFi purchase on June 1, 2026, the Bitbuy site tells users it is now part of Robinhood and invites customers to move to the Robinhood app.

Coinsquare Capital Markets Ltd. is the entity that operates the platform, and it appears on the CSA list with a decision dated October 11, 2024. Bitbuy Technologies Inc. sits under expired decisions on the CSA site, and its FINTRAC MSB registration shows as ceased on February 20, 2025. Bitbuy's help centre says the 2024 move was required because its CSA relief was time-limited and called for a move under CIRO oversight.

If you still hold coins there, watch for the migration invitation, open it only from the official Bitbuy or Robinhood channels, and read the new terms before you accept. I do not send new readers to Bitbuy, because the business is being folded into Robinhood. On the Robinhood side, a flat 0.5% on CAD trades was advertised for the first few months after launch, and the zero-fee promotion for Canada ended on September 30, 2026. Its fee schedule sets the fee at 0.5% through October 31, 2026 and 0.95% from November 1, 2026.

What Should Bitbuy Users Use Instead?

Crypto.com is the available side of this pair. Crypto.com is a CSA Restricted Dealer, with a decision dated May 8, 2025, and it advertises instant, zero-fee deposits. It is one of my extra listings, not a ranked pick. The Canadian fee schedule could not be retrieved, so treat the 0.08% and 0.18% marketing figures as unconfirmed until you see your own fee in the app. Custody and insurance details for Canada are not published on the pages I could read.

Visit Crypto.com Read My Crypto.com Review

Who Should Choose Crypto.com?

People who already use the Crypto.com app. Crypto.com is a CSA Restricted Dealer, with a decision dated May 8, 2025, and it advertises instant, zero-fee deposits.

Bitbuy, in contrast, is a platform in transition. Its coin list, fees and funding now belong to Robinhood, and there is no point comparing a menu that is being replaced. Read the Bitbuy review for the history, and see the ranked list for current picks.