Changelly Review 2025: Features, Fees, Security and Comparison

Exchange

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). 

Buy

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.

Sell

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. 

DeFi Swap

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.

Changelly Pay

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 API

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.

Changelly Affiliate Program

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.

Supported Currencies and Payment Methods

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.

Changelly Fees

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 Security – Does Changelly Require KYC?

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.