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Changelly review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Changelly suits people who want to buy or swap crypto and keep the keys in their own hands. Self-custody sits at the centre of the setup, funding runs through card, bank and sepa, and the taker fee of 0.25% keeps single swaps cheap.

Key facts

Best for
Quick swaps of a handful of major coins with self-custody, funded by card, bank transfer or SEPA, and support in writing.
Taker fee
0.25%↗
Coins listed
32↗
Fiat deposit methods
Card, Bank, SEPA, Apple-pay↗
Proof of reserves
No↗
Withdrawal fee
Variable network fee set by the partner exchanges and shown to the user when the transaction is created↗
Exchange type
Cex↗
Legal entity
Marella↗
Founded
2020↗
Support channels
Email, Chat, Help-centre, Community↗
Features
Self-custody
Official website
changelly.com

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
XLinkedInreddit.com

Pros and cons

Pros

  • Self-custody is a listed feature, so the keys sit with you rather than with the platform.
  • Funding is straightforward, with card, bank and sepa covering card and bank routes alongside SEPA.
  • Support runs on email, chat and help centre, so questions are handled in writing.

Cons

  • Proof of reserves is no, so there is no published attestation to check balances against.
  • The coin list is short at 32, which limits long-tail trading in one place.
  • The taker fee of 0.25% sits above the lower end of the 0.25% to 1.99% range at bunq.
Changelly

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • People buying or swapping a handful of major coins who want to hold the keys themselves rather than leave balances parked.
  • Buyers paying by card or bank transfer, or by SEPA, who want a straightforward purchase rather than a trading desk.
  • Users who are happy reading support answers in writing instead of ringing a helpline.

Who should look elsewhere

  • bunq, if the bottom of its 0.25% to 1.99% taker fee range matters more than self-custody swaps.
  • Vivid Plus, if a taker fee of 2.25% is a cost you would accept rather than the 0.25% charged here.
  • eToro, if you would rather pay 1% in taker fees at a different venue.

Where it sits among rivals

Changelly ranks 121 of 176 on coins listed, which places it in the lower part of the table. On taker fee it ranks 66 of 121, a middling spot rather than a budget option. The coin list is the weaker measure here, and the fee is the stronger one.

How Changelly compares

Frequently asked questions

How many coins can I buy on Changelly?+

Changelly lists 32 coins, which places it 121 of 176 on coins listed across the brands compared. That covers the main assets for a one-off purchase or swap, and it is thin for anyone trading long-tail tokens on the same account.

Does Changelly hold my coins for me?+

Self-custody is a listed feature, so the keys stay with you and the balance is yours to manage. Anyone who wants a provider to hold funds for them would read that as the wrong fit, since the custody sits on their side.

How do I pay in cash to buy crypto?+

Fiat deposits run through card, bank and sepa. Card and bank routes cover the common cases, and SEPA is there for euro transfers, so a purchase can be funded from a bank account or a card without moving funds around first.

How do I contact Changelly support?+

Support runs on email, chat and help centre, so chat, email, a help centre and a community are all in place for questions. There is no phone line among those channels, which suits people who are happy to keep the conversation in writing.

Is there proof that Changelly holds customer funds?+

Proof of reserves is no, so there is no published attestation setting out the balances the platform holds. That is the main point to weigh before leaving a large balance on the account, and the reason to keep only what you can afford to hold.

Who runs Changelly and what kind of exchange is it?+

The legal entity behind the service is Marella, and it operates as a centralised exchange. It was founded in 2020, and the self-custody feature means the custody model sits with the buyer rather than the platform.

Sources

  • coingecko.com/en/exchanges/changelly checked September 26, 2026

    Backs: Coins listed, Founded

    “id=changelly; coins=32; pairs=49”

  • changelly.com/about checked September 26, 2026

    Backs: Exchange type

    “Changelly is an instant crypto exchange platform serving over 10 million users worldwide”

  • changelly.com/buy-crypto checked September 26, 2026

    Backs: Proof of reserves

    “We do not store cryptocurrencies: instead, they are sent directly to your wallet after the exchange for the utmost security.”

  • changelly.com/privacy-policy checked September 26, 2026

    Backs: Legal entity

    “The Personal Information is collected, controlled and processed by the following entities: Marella, contact e-mail: support@changelly.com”

  • changelly.com/reviews checked September 26, 2026

    Backs: Fiat deposit methods, Support channels

    “buy any crypto, altcoins, and stablecoins with Visa, MasterCard, wire transfer (including SEPA transfers), or Apple Pay”

  • changelly.com/terms-of-use checked September 26, 2026

    Backs: Features, Taker fee, Withdrawal fee

    “Changelly does not provide custodial services, which means, we do not store your crypto assets on deposits and balances”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Regulators.

Changelly

Changelly

Quick swaps of a handful of major coins with self-custody, funded by card, bank transfer or SEPA, and support in writing.

8.7/10See alternatives