Changelly Review: Features, Fees, and Security Insights in 2025

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By Alexander Reed
Last Updated: Mar 19, 2025
Crypto is a high-risk asset class. This article is provided for informational purposes and does not constitute investment advice. You could lose all of your capital.
99Bitcoins may receive advertising commissions for visits to a suggested operator through our affiliate links, at no added cost to you. All our recommendations follow a thorough review process.
Crypto is a high-risk asset class. This article is provided for informational purposes and does not constitute investment advice. You could lose all of your capital.
99Bitcoins may receive advertising commissions for visits to a suggested operator through our affiliate links, at no added cost to you. All our recommendations follow a thorough review process.
Changelly has become a go-to platform for seamless cryptocurrency exchanges, allowing users to buy, sell, swap, and trade over 1000 digital assets. Its non-custodial model lets users fully control their funds while enjoying fast, secure, and hassle-free transactions. The platform integrates with over 350 API partners, including leading wallets and exchanges, ensuring seamless trading with competitive exchange rates and minimal fees.Beyond its core exchange services, Changelly prioritizes crypto education, offering resources to help users navigate blockchain technology and investment strategies.
Whether you’re a newbie looking for a simple way to swap crypto or an advanced trader seeking reliable and cost-effective transactions, this Changelly review will break down its features, fees, security, and overall reliability to help you decide if it’s the right exchange.

Changelly is a global instant cryptocurrency exchange platform that has served over 7 million users worldwide since its launch in 2015. The platform enables fast, secure, and hassle-free crypto-to-crypto and fiat-to-crypto exchanges, supporting over 1,000 digital assets across 185 blockchains. As a CeDeFi ecosystem, Changelly provides its 600+ partners with instant exchange services, fiat on-/off-ramp APIs, a listing platform, and a DEX aggregator for decentralized swaps. Originally headquartered in the Czech Republic, the company has expanded its presence globally, and it is now based in Kingstown, Saint George, Saint Vincent, and the Grenadines.

The Changelly crypto exchange is an instant crypto swap platform that finds the best rates. Users can choose between fixed rates (locked-in amount, no surprises) or floating rates (flexible, but amounts may vary with market changes).

Changelly Buy lets customers purchase 1000+ cryptocurrencies using 90+ fiat currencies. It is actually most commonly used when buying the most popular low-cap cryptos. The platform will automatically find the best provider for your country and preferred payment method—like bank cards or transfers. Their blog has detailed guides to help you get started, including tips for specific payment providers.

The ‘Sell’ option (powered by Mercuryo and Moonpay) makes cashing out crypto easy. Holders can convert their crypto to fiat and transfer the funds to their bank card.

What makes Changelly one of the most prevalent crypto swap sites is its DeFi Swap, a decentralized exchange aggregator that finds the best rates for instant swaps within a single blockchain. There are no middlemen—just smart contracts and automated protocols handling trades. It’s fast, secure, and puts holders in control.

One highlight often noted in a Changelly review is Changelly Pay. This crypto payment solution is designed to help businesses accept over 200 cryptocurrencies while converting them to fiat in real-time. It’s a great fit for online stores and service providers, with fast transactions, low fees, and simple integration. Plus, it prioritizes safety and smooth payments for merchants and customers, backed by robust security measures and compliance with regulations.

Changelly’s API lets you easily integrate crypto exchange features into platforms like wallets or marketplaces. It supports 700+ cryptocurrencies across 170 blockchains, enabling swaps within your app. The setup is quick and reliable, where you get clear documentation, scalable performance, and top-notch security (including API keys and KYC). Partners can also add custom fees for extra revenue. It’s a simple way to enhance partners’ platforms with secure, user-friendly crypto trading.

The Changelly affiliate program is among the most highly favored crypto affiliate programs on the market. It allows businesses, influencers, and crypto enthusiasts to earn passive income by referring users to the platform. Affiliates can earn up to 50% revenue share on each transaction made by their referrals, with lifetime payouts and no earning limits. The program provides customizable tools such as referral links, widgets, and API integrations, making integrating Changelly’s exchange services into websites, blogs, and applications easy. Additionally, affiliates can track their earnings and optimize their strategies for maximum revenue with real-time analytics and transparent reporting.

Changelly supports a wide range of cryptocurrencies, making it easy for users to swap, buy, or sell their favorite digital assets. With over 100 cryptocurrencies across 185 blockchains, the platform caters to both popular coins like Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC), as well as other well-known altcoins. This extensive selection allows users to diversify their portfolios and explore new assets in the crypto space.
The platform supports mainstream cryptocurrencies and stablecoins like USDT, USDC, and DAI, as well as a variety of DeFi tokens. As detailed in our Changelly review, the introduction of fiat currency support—through credit and debit card purchases—has made the platform more accessible to new users. EUR, USD, and GBP are always supported; however, there are 40+ others to choose from. For the full list of supported coins, visit the platform’s Supported Currencies page.
Changelly partners with various trusted fiat providers, each offering multiple payment options to make buying crypto easy and convenient. For example, MoonPay supports Visa, Mastercard, Maestro, bank transfers, Apple Pay, Google Pay, SEPA, and more, while Banxa adds options like Sofort, Interac, and iDEAL. Other providers like Simplex, Switchere, Wert, and Topper also offer flexible payment methods, including Visa, Mastercard, Apple Pay, and Google Pay. You can even use prepaid cards with Simplex, though gift cards aren’t supported. Just a heads-up: none of the providers accept cards issued by Bank of America.
When it comes to crypto trading, you’ve got plenty of payment options to choose from, including Visa, Mastercard, Apple Pay, and bank transfers.

When buying crypto on the Changelly exchange, the fees are set by their fiat partners, who handle the purchase process. All fees are already included in the rate users see, so there are no hidden costs—whether with a fixed or floating rate. This makes it easy to know what users pay upfront, keeping things simple and transparent.
Unlike other notable crypto exchanges, Changelly’s exchange fees depend on the chosen rate. If users prefer a fixed rate, they’ll pay a small dynamic fee that locks in their rate and protects them from market swings. If they choose a floating rate, they’ll see a breakdown of the fees: a network fee (charged by the blockchain) and Changelly’s service fee, which is just 0.25%.
When it comes to selling crypto, the minimum fee is 3.95%, but the final amount can vary depending on things like the currency pair, your location, and market conditions.
For crypto trading, Changelly used the tiered trading fee system to reward their most active traders. If their 30-day trading volume is under 10 BTC, they’ll enjoy lower fees—just 0.07% for both makers and takers, down from the standard 0.1% (maker) and 0.2% (taker). Every day at 00:00 UTC, Changelly recalculates traders’ 30-day trading volume, and if you move up a tier, their new fees kick in within an hour. And here’s the best part: if users reach Tier 9 or 10, they’ll start earning 0.01% back on every trade where your order adds liquidity to the Order Book (as a maker).
Withdrawal fees, on the other hand, are fixed, so they stay the same no matter how much users are withdrawing. That said, Changelly may adjust these fees occasionally based on market conditions or network congestion to keep transactions fast and smooth. If users are curious about the current fees, they should just head to the “Wallet” tab and check the “Withdrawal” column.

Changelly takes security seriously to ensure crypto transactions are safe and worry-free, which is why they are one of the most used no-KYC crypto exchanges. They use advanced encryption and secure protocols to protect data and funds. Every transaction is monitored in real-time to detect and prevent any suspicious activity. Plus, they follow strict KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines to ensure compliance with global regulations. This means users might be asked to verify their identity for certain transactions, but it’s all part of keeping the platform secure for everyone.
In addition to these measures, Changelly employs secure API keys and two-factor authentication (2FA) to add an extra layer of protection to your account. They also partner with trusted third-party providers for fiat transactions, ensuring that every step of the process is secure.
Changelly is available to users worldwide, but there are a few exceptions. According to Changelly’s Terms of Service, it doesn’t operate in countries like Cuba, North Korea, Iran, Syria, Crimea, Sudan, Bangladesh, Bolivia, or the United States (including all U.S. territories like Puerto Rico, Guam, and the U.S. Virgin Islands). It also doesn’t support countries on the United Nations Security Council Sanctions List.

Changelly provides an intuitive website experience and a specialized coin swap app for Android and iOS smartphones. With no account registration required and a wide selection of supported crypto assets, users can download the Changelly mobile app from Google Play or the App Store.

Users can find answers to common questions in Changelly’s Help Center, which is packed with guides, FAQs, and troubleshooting tips. If you need personalized assistance, you can submit a support ticket directly through the website, and their team will get back to you as quickly as possible. For more details, visit their Support Page.
When you look at Changelly reviews on Trustpilot, you’ll find a mix of user feedback. Many people love how easy it is to use, with fast transactions and support for many cryptocurrencies. That said, some users have mentioned occasional delays or hiccups with customer support. However, Changelly has built a solid reputation as a go-to platform for swapping and buying crypto, thanks to its user-friendly design and competitive rates.
However, aside from the respected amount of positive reviews, there are many one-star reviews about expensive trades and missing funds. As mentioned above, Changelly claims to have 0.5% fees, but in reality, it can get a lot more expensive for USD and Euro transactions.
Signing up for a Changelly account is quick and easy. Here’s a guide to set up your account in just a few steps:
Although Changelly stands among the most significant DEX exchanges, here’s a detailed look at how it stacks up against its competitors, showcasing its standout features, potential drawbacks, and what makes it unique.
Changelly and Coinbase cater to different crypto needs. Changelly is ideal for users seeking low fees and no-KYC options, though it’s unavailable in the U.S. Coinbase, on the other hand, is beginner-friendly, as it operates in 170+ countries and offers robust security but with higher fees, as we explained in our detailed Coinbase review.

Changelly offers a non-custodial platform with a huge number of assets, low fees (0.25% for swaps), and no KYC for small transactions. Based on our Kraken review, the platform provides advanced trading and robust security but has higher fees and fewer payment options. So, Changelly excels in simplicity and crypto diversity, while Kraken is better for advanced traders and security-focused users.

When comparing Binance and Changelly, it’s clear they serve different necessities. As we saw in our Binance review, the exchange is a top choice for traders seeking a wide range of assets and advanced tools like futures trading, with low fees that are discounted with BNB. Alternatively, the Changelly exchange platform focuses on simplicity and quick swaps, offering a non-custodial model, no KYC for small transactions, and unique features like Changelly Pay for merchants. While Binance excels in depth and variety, Changelly stands out for its ease of use and beginner-friendly approach.

Changelly is not a formally regulated crypto exchange platform; it holds no licenses from regulatory bodies or tier-one institutions, raising investor concerns. Despite its lack of regulation, it does provide its users with a guarantee of security through partnerships with Sum&Substance to implement a thorough KYC process that would enhance the platform’s security. On top of that, it also adheres to AML policies to ensure further safety.
My research shows that Changelly comes with the following pros and cons:

Pros:

Cons:

As a final point, this Changelly review shows why the platform remains a top choice for consistent and secure crypto trading. With support for over 1,000 cryptocurrencies, fast swaps, and a non-custodial model, Changelly gives users full control over their funds while keeping transactions secure and hassle-free. Its no-KYC feature for small transactions adds a layer of privacy, and tools like Changelly Pay and DeFi Swap expand its utility for individuals and businesses.
While fees for selling crypto can vary, and the platform isn’t available in some countries, Changelly’s competitive rates, educational resources, and seamless integration with wallets and apps make it a strong choice, especially for beginners in crypto trading. If you’re looking for a straightforward, secure, and feature-rich crypto exchange, Changelly is definitely worth considering.
Visit Changelly
Which country uses Changelly?
Changelly is available globally but, due to regulatory restrictions, excludes certain countries, such as the U.S., Cuba, North Korea, Iran, Syria, and Sudan. However, most users worldwide can access its services for crypto swaps, purchases, and more
How much does Changelly charge?
Changelly charges a 0.25% service fee for crypto swaps. The minimum fee for selling crypto is 3.95%, but it can vary based on market conditions. Trading fees start at 0.1% for makers and 0.2% for takers, with discounts for high-volume traders. All fees are transparent, with no hidden costs.
How does Changelly work?
First, choose the crypto pair you want to exchange and enter your wallet address where the exchanged coins will be sent. Then, send the crypto you’re exchanging to the address provided on the screen and wait for your new coins to arrive.
Where is Changelly based?
Currently, Changelly is based in Kingstown, Saint George, Saint Vincent, and the Grenadines.
Does Changelly require ID verification?
Changelly does not require ID verification for small transactions, making it a great option for users who value privacy. However, for larger transactions or specific cases, KYC (Know Your Customer) may be required to comply with regulations and ensure security.
How do I withdraw money from Changelly?
To withdraw your funds, head to the Wallet tab. You’ll find a withdrawal button for each asset in the Withdraw column. This section also displays a list of addresses where you can send funds from your account. Simply select the asset, enter the destination address, and confirm the transaction.
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