ChangeNOW Review

    ChangeNOW is a great option for users that want to directly exchange crypto without needing to pass KYC verification. On the downside, there are limited interest-earning products, and it lacks advanced trading features.
    Kevin Groves
    Posted by: Kevin GrovesUpdated May 25th, 2023

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    Creating an account with a cryptocurrency exchange and submitting identity documents can be a daunting prospect for certain investors. An alternative method is to use a non-custodial service to swap crypto coins instantly without KYC. In this ChangeNOW review, we will assess the popular crypto trading platform used by hundreds of thousands of people worldwide and provide an overview of its features, user interface and trading fees.

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    Our Take

    HedgewithCryptoScoreOur ratings take into account the ease of use, fees, deposit methods along with the exchange's reputation. All ratings are determined solely by our editorial team.
    Full StarFull StarFull StarFull StarEmpty Star

    Bottom line:

    ChangeNOW is a simple-to-use crypto swap platform that offers a huge selection of coins and reasonable fees. Because it is a non-custodial exchange, users do not need to sign up for an account, and there are no ID verification requirements making it one of the best non-KYC crypto platforms. However, ChangeNOW does not offer derivatives and advanced trading, so professional crypto traders will want to look elsewhere.

    • Crypto swap platform with no KYC
    • Fast and reliable crypto trades
    • Huge selection of crypto (800+)
    • iOS and Android supported mobile app
    • Fees higher than the larger crypto exchanges
    • No advanced trading features (charting, leverage, etc.)
    • Limited utility minimal interest-earning or staking products
    • Credit card fees are very high

    ChanageNOW Overview

    ChangeNOW is a non-custodial crypto platform that is widely known for its instant and easy-to-use crypto exchange service. With its low fees and hundreds of cryptocurrencies to exchange, it does not put any limitations on the amount of crypto users can exchange. With no signup process necessary, you can instantly swap any amount of crypto you want, such as Bitcoin to Ethereum or another cryptocurrency.

    changenow websitechangenow website

    ChangeNOW aggregates crypto prices from the world's largest and most popular trading exchanges. It searches for a price that is optimal at that moment and locks it in until the user completes the transaction and that confirmation is made on the blockchain. ChangeNOW also integrates with Simplex or Guardarian, fiat providers, allowing users to purchase cryptocurrency using a Visa or MasterCard. Over 60 fiat currencies are currently supported.

    Some of the most notable features on the ChangeNOW platform are listed below:

    • Easy, safe and convenient way to swap cryptocurrency
    • Beginner-friendly design that is suitable for all experience levels
    • More than 50,000 trading pairs to exchange
    • Swapped assets are directly transferred to the user's wallet
    • Swapping assets does not require an account or ID verification

    ChangeNOW At A Glance

    Platform NameChangeNOW
    Accepted Fiat CurrencyUSD, EUR, + more
    Deposit MethodsCredit/credit cards (VISA and Mastercard) via 3rd party
    Supported Cryptocurrency800+
    Trading Fee0.5%
    Withdrawal FeesN/A
    Mobile AppYes (Android and iOS)

    Review of the Top Features on ChangeNOW

    ChangeNOW User Interface & Trading Experience

    Trading on ChangeNOW is simple and even beginners can swap crypto such as Bitcoin for Ethereum within minutes. Users can connect their digital wallet to the platform, or elect to use the ChangeNOW wallet to store and trade crypto.

    ChangeNOW features a simple order form, similar to other non-custodial platforms, with the ability to swap between thousands of trading pairs. ChangeNOW also supports multiple blockchains, allowing you to trade coins without having to convert to a new blockchain.

    Changenow simple convert interfaceChangenow simple convert interface

    Exchanges come with a floating rate by default, in which a user gets a market price based on network fees and market conditions. In the event of a price increase of over 3 percent, the transaction will be halted, and you can accept the new rate or request a refund. If users prefer not to deal with market volatility, they can use a fixed rate mode to lock in the estimated rate for 20 minutes, but the fee is higher for that option.

    Changenow completing a swapChangenow completing a swap

    Since ChangeNOW is non-custodial, users will need to input a wallet address for the trade, allowing ChangeNOW to swap the tokens and deposit them directly into their wallet. It is imperative to choose the right wallet address, as lost coins can be very difficult to recover.

    It generally takes 5 minutes for an order to be processed, but the time varies depending on the workload of the blockchain network. To find out what is the fastest crypto to send, read this article.

    Credit & Debit Card Purchases

    ChangeNOW acts as a fiat-to-crypto-exchange to allow users to purchase crypto with a fiat currency such as USD, GBP, AUD, NZD, JPY, EUR and many more. ChangeNOW's partnership with Simplex and Guardarian allows users to purchase crypto using a debit card or credit card.

    To buy crypto with a debit card, users can follow these simple steps:

    1. Choose a currency from the widget (e.g. USD or EUR)
    2. Enter the amount of fiat you want to spend and select the crypto you want to buy
    3. ChangeNOW will calculate the estimated final amount with the best exchange rate
    4. Review the rate displayed and the amount of crypto you will receive
    5. Type in a cryptocurrency wallet address and email address
    6. Fill in the debit/credit card details (i.e. Visa or MasterCard)
    7. Complete the verification process and submit identification documents
    8. Complete the transaction and receive the crypto directly in the wallet
    Buying crypto on changenow screenshotBuying crypto on changenow screenshot

    ChangeNOW Crypto Loans

    ChangeNOW offers crypto lending, allowing users to deposit cryptocurrencies and borrow stablecoins against those holdings. For example, a user can deposit BTC and borrow USDT or USDC, at a 50% fixed loan-to-value (LTV).

    Interest rates are variable, and current rates are around 16%, which is not great. There are no monthly payments, as interest accrues over the life of the loan, and is paid back at the end of the loan term. And speaking of terms, there are no set time limits for loans, and they can be as long as the user wants. For those interested in obtaining a loan, read this comparison list of the best crypto lending platforms for better alternatives.

    NOW Wallet

    ChangeNOW offers a non-custodial wallet, supporting 7 different blockchains and thousands of tokens. This wallet is a secure, encrypted wallet solution downloaded by millions of users, and fully compatible with the ChangeNOW exchange. The NOW wallet also supports decentralized applications (Dapps), such as OpenSea, Rarible, and Uniswap. Users can also swap tokens and make crypto purchases through the NOW wallet, utilizing the ChangeNOW exchange. This is a useful feature to hold one of the 800 supported coins in a secure non-custodial wallet.

    NOW Token

    ChangeNOW has a native token (NOW) that offers several benefits to users, including the ability to earn interest through staking, and discounts on certain products. The ChangeNOW token can be purchased through the exchange, and is also available to be traded on other crypto platforms.

    ChangeNOW does not offer any fee discounts, as other exchange native tokens do, but business users can receive discounts on other ChangeNOW products, such as NOW Nodes for access to blockchain nodes and explorers.

    ChangeNOW Business Solutions

    ChangeNOW offers several business solutions for crypto-based businesses and other small businesses. Here are a few of the services that could offer utility to business owners:

    • NOW Nodes. ChangeNOW offers nodes that can be used to build a crypto project on, or as data aggregators and blockchain explorers that can be accessed via API.
    • NOW Payments. ChangeNOW offers a crypto payment solution for merchants that want to start accepting crypto payments on their website or at their small business. The integration API makes it easy to accept up to 150+ different cryptocurrencies for a small 0.5% fee per transaction.
    • ChangeNOW Pro. For both businesses and individual users, ChangeNOW Pro offers fee discounts and the ability to generate crypto loans to earn interest. This service is aimed at market makers and crypto businesses.

    ChangeNOW Comparisons & Alternatives

    ChangeNOW's ease of use and beginner-friendliness are important features. The following table compares other popular crypto exchanges that allow users to swap crypto instantly with trading fees starting at 0.5%.

    ExchangeCrypto AssetsTrading FeesRatingPromotionWebsiteReview
    changelly logo


    545Flat 0.25% or 0.1% (Changelly Pro)
    RatingOur ratings take into account the ease of use, fees, deposit methods along with the exchange's reputation. All ratings are determined solely by our editorial team.
    Full StarFull StarFull StarHalf StarEmpty Star
    None available at this timeVisit ChangellyChangelly Review


    400+From 0.5%
    RatingOur ratings take into account the ease of use, fees, deposit methods along with the exchange's reputation. All ratings are determined solely by our editorial team.
    Full StarFull StarFull StarFull StarEmpty Star
    None available at this timeVisit ChangeNOWChangeNOW Review
    swapspace logo


    1,900+Determined by supported exchange
    RatingOur ratings take into account the ease of use, fees, deposit methods along with the exchange's reputation. All ratings are determined solely by our editorial team.
    Full StarFull StarFull StarFull StarEmpty Star
    None available at this timeVisit SwapSpaceSwapSpace Review


    900+Spreads (depending on coin network)
    RatingOur ratings take into account the ease of use, fees, deposit methods along with the exchange's reputation. All ratings are determined solely by our editorial team.
    Full StarFull StarFull StarFull StarEmpty Star
    None available at this timeVisit StealthExStealthEx Review

    Is ChangeNOW Legit?

    ChangeNOW seems to be a legit crypto exchange that has been operating successfully since 2017. The online crypto platform has gained the trust of users from all over the world and continues to grow. According to ChangeNOW's website, its platform and mobile app attract hundreds of thousands of visitors each month, and more than 3 million people have used the service.

    Getting Started & ID Verification

    ChangeNOW does not require creating an account to use the exchange. As a non-custodial platform, users simply connect their digital wallet instead of creating an account. However, users that want to sign up for a premium account will need to sign up for an account using an email address and password.

    Moreover, there is no requirement to complete a Know Your Customer (KYC) process. However, if you intend to convert fiat currency into digital assets utilizing Simplex or Guardarian, an ID verification process must be completed in compliance with financial regulations. To verify your account, you will need to provide the following:

    • Personal details (Name, address, etc.)
    • Government-issued photo ID
    • Selfie picture

    Once confirmed, you can purchase crypto with fiat currency.

    Accepted Fiat Deposits & Withdrawals

    ChangeNOW does not support fiat deposits or withdrawals which may be seen as a limitation for certain individuals. However, they can exchange fiat for crypto utilizing the third-party gateways on the platform, Simplex or Guardarian. The fees are high, with some transactions costing up to 7%. Therefore, ChangeNOW is best suited to crypto-to-crypto swaps only. For those that want to trade crypto with fiat, a better option is to find a fiat-to-crypto exchange with better payment methods and lower fees.

    Supported Cryptocurrencies

    ChangeNOW supports over 800 cryptocurrencies for users to buy Bitcoin, Ethereum, Litecoin, Ripple, EOS, Stellar, Monero and many others. With different altcoins paired against one another, there are more than 50,000 pairs that can be exchanged.

    To view the full list of supported cryptocurrencies, you can visit the available coins page. The number of supported coins on ChangeNOW is much higher than that of other similar services, such as Exolix based on our review.

    ChangeNOW Fees

    Trading Fees

    Exchange fees need to be evaluated before deciding to use a cryptocurrency exchange. This is important when swapping a large amount of crypto to another crypto. The website does not state the crypto swap fees. However, based on our calculation, we estimate the conversion or swap fee is between 0.5% to 1.5% which are included in the proposed swap.

    Credit Card Purchase Fees

    A fee of approximately 5% is added to the ChangeNOW fee if you purchase cryptocurrency using a credit or debit card, but can vary by gateway partner you choose (Simplex or Guardarian).

    Deposit & Withdrawal

    As ChangeNOW is a non-custodial service, there are no fees associated with deposits or withdrawals. The minimum network fee varies by blockchain, and it depends on the network load and the digital asset.

    ChangeNOW Mobile App

    ChangeNOW has a mobile app available for both Android and iOS. Users can swap crypto or make fiat purchases through Simplex or Guardarian. The app is simple-to-use, responsive and has a built-in wallet. On the Android marketplace, the ChangeNOW mobile shows over 100,000 downloads and 3,000 reviews, at an average of 4.6 / 5 rating. This is a very high rating and reflects that users enjoy the mobile app experience.

    changenow app screenshotschangenow app screenshots

    Customer Support

    ChangeNOW offers support through its help documentation, as well as its blog. Users can search through help articles for tutorials and answers to frequently asked questions. Users can also open a ticket via the contact form, and work with the support team over email. ChangeNOW also offers live chat support, which is available 24/7. This is a great feature, and can help you get your questions answered quickly. We tested it out, and got an instant response, with helpful answers within seconds.

    Frequently Asked Questions

    ChangeNOW appears to be a safe cryptocurrency exchange that is non-custodial. Users' funds are not stored on the platform, which reduces the risk of fraud, theft, and hacking. In the event that suspicious activity on the platform is detected, an internal risk management system will be triggered, requesting additional KYC verification from the user.

    ChangeNOW is available in most countries, including the United States. As a non-custodial exchange, users can swap coins without needed to create an account or pass KYC.

    ChangeNOW is available in many countries around the world, including the U.S., UK, Australia, Canada, the Netherlands, etc. If you are unsure whether ChangeNOW is available in your country, visit changenow.io/terms-of-use for more information.

    ChangeNOW is not listed on CoinMarketCap, and trading volume is not tracked publicly, so there is no information on the liquidity or volume of the exchange. As ChangeNOW is a liquidity provider for other crypto businesses, so it must offer decent liquidity to be the backend solution.

    NOW tokens can be found on the ChangeNOW exchange. Users can also find it on two other DEXs, including the Binance DEX, and Uniswap but it is now available on most centralized exchanges at the time of writing.


    To conclude our ChangeNOW review, using the online platform to swap crypto to crypto is simple and without any hassles or complications. Crypto investors will find it useful and easy to use, and the best part is that you don’t need to create an account.

    If you wish to purchase Bitcoin or another altcoin with fiat, the platform allows you to use a debit or credit card, but there is a higher fee associated with that option. It is therefore best to use cryptocurrency instead. Also, keep in mind that you need to submit identification to prove your identity when purchasing crypto with a national currency. For crypto-to-crypto swaps, ChangeNOW is one of the best places in the market with a solid reputation.

    Kevin GrovesKevin GrovesKevin Groves

    Kevin started in the cryptocurrency space in 2016 and began investing in Bitcoin before exclusively trading digital currencies on various brokers, exchanges and trading platforms. He started HedgewithCrypto to publish informative guides about Bitcoin and share his experiences with using a variety of crypto exchanges around the world.

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