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Instant swap

Changelly review

Changelly is an instant swap service that does not hold crypto in deposits or balances. Instead, it routes swaps through third-party exchanges. By default, Changelly does not require identification. However, if a transaction is flagged as suspicious by its risk scoring system, it will pause the transaction to collect your name, date of birth, address, and an ID document. Floating-rate swaps incur a fee of 0.25%, which is deducted from the output amount. The service's terms exclude the United States, the United Kingdom, Germany, and Austria, among other locations. In our view, Changelly is suitable for users outside those countries who are willing to accept a potential verification process.

Read the reviewCompare

ID only if flagged

Changelly asks for ID only if a payment is flagged, per its own pages.

Active

By Ethan ParkerChecked Oct 4, 2026 to Oct 23, 2026How we read the terms

ID if flaggedID ruleID rule: If a payment is flagged. No ID by default; checks when a risk system flags you. Checked Oct 22, 2026.
No-ID limitNo-ID limit per tradeNo-ID limits, per Changelly's pages: Maximum: no set amount restrictions stated; With ID: basic KYC up to 10,000 EUR per 48 hours. Checked Oct 22, 2026.
XMRPlus BTC, ZECMonero, Bitcoin, Zcash: supported.
Held in a swapWho holds your coinsNon-custodial (no stored balances; swaps routed through third-party exchanges). Checked Oct 22, 2026.
Not statedChangelly's own pages we checked do not say. This is not the same as no.NetworkTor onion: None published. I2P: None published. Works without JavaScript: Not stated.
Our verdict

Choose Changelly if

Who Changelly suits, from the values on this page.

Changelly suits you if

  • You want no ID for normal use: Changelly asks only if a payment is flagged.
  • You want Monero: Changelly lists it.

Changelly might not be the right fit if

  • You want a market that can never ask for ID: Changelly can ask if a payment is flagged.
  • You want Lightning: Changelly does not support it.
  • You live in the US: Changelly is not available there.

Best for

Monero for bitcoin

Changelly
Monero and bitcoin Changelly lists Monero and bitcoin. Checked Oct 22, 2026.
Platform

Inside Changelly

Screenshots taken November 3, 2026

What you get with Changelly

Yes, no or partly, from our data

Privacy 0 of 6, 1 partly

  • No IDIf a payment is flagged
  • No accountNot statedChangelly's own pages we checked do not say, checked Oct 22, 2026. This is not the same as no.
  • Tor built inNot statedChangelly's own pages we checked do not say. This is not the same as no.
  • Onion addressNone published
  • I2P addressNone published
  • Works without JavaScriptNot statedChangelly's own pages we checked do not say. This is not the same as no.

Coins 3 of 4

  • Bitcoin
  • Monero
  • Lightning
  • Zcash

Custody and code 0 of 3

  • You hold the keys
  • Open sourceNot statedChangelly's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
  • Address screeningNot statedChangelly's own pages we checked do not say. This is not the same as no.
ID check

When can Changelly ask for your ID?

If a payment is flagged, per Changelly's own pages. Labels come from each provider's terms, never from our guess.

  1. 1Never, by designNo company holds your order, so nobody can ask
  2. 2Only if you chooseID only for extras you opt into
  3. 3If a payment is flaggedChangelly is on this stepNo ID by default; checks when a risk system flags you
  4. 4Above a limitID once you pass a stated amount
  5. 5AlwaysID before you trade, deposit or withdraw

If a check comes and you do not pass it

Flagged transaction put on hold until identity data is collected; no refusal outcome or fee stated in the AML/KYC policy

“In case a transaction is spotted by our risk scoring system as suspicious, the transaction will be put on hold,”

What triggers a check: Transaction flagged by the risk scoring system: put on hold, identity collected; AML/KYC may be applied to particular users, addresses and transactions; basic KYC (passport) up to 10,000 EUR per 48 hours; advanced KYC above

Refund policy: Floating failed: usually 1 to 7 business days after the refund address is confirmed, less fees; manual from exchange: usually up to 20 business days; fees: less all applicable fees; supplementary fees in some cases

Not stated on Changelly's pages: fee on refusalChangelly's own pages we checked do not say. This is not the same as no.

If a trade goes wrong
Written notice of a dispute within 30 days to [email protected], informal resolution first, then arbitration

Checked October 22, 2026

Fees and limits

What Changelly costs

WhatChangelly
Floating0.25% of the output amount (differs for API partners)
FixedMargin in the fixed rate, no percentage published
Network feeSeparate, shown as an estimate

Checked October 22, 2026

Trade limits
Max: no set amount restrictions stated; KYC tier: basic KYC up to 10,000 EUR per 48 hours
Typical time
Sources disagree

No-ID limits per trade

2 limits from Changelly's pages
WhereLimit
MaximumNo set amount restrictions stated
With IDBasic KYC up to 10,000 EUR per 48 hours

Checked October 22, 2026

Your data

What Changelly knows about you

Who sees what during a trade, and who runs it.

During a trade

Data the policy collects
Account and transaction data; tracking data (access date and time, device ID, OS, browser, IP address), also via third parties incl. Google Analytics; KYC data when required; retained as long as necessary and for legal obligations
What your payment reveals

No ID check does not make a bank payment private.

Network and who runs it

Network
Onion: None publishedI2P: None publishedWithout JavaScript: Not statedChangelly's own pages we checked do not say. This is not the same as no.
Who runs it
Not statedChangelly's own pages we checked do not say, checked Oct 4, 2026. This is not the same as no.
Requests from authorities
Changelly cooperates with law enforcement and other authorities to identify and disclose crypto assets linked to fraud or illegal activity
Warrant canary
Not published

Checked October 22, 2026

Safety

Track record and code

None found.

Incidents

None found

Open source
Not statedChangelly's own pages we checked do not say, checked Oct 14, 2026. This is not the same as no.
Audits
Not published
Bug bounty
Not published
Support
Channels: live chat; ticket (support.changelly.com); e-mail [email protected]; hours: 24/7

Checked October 14, 2026

Reddit

Community

Discussions about Changelly on Reddit (r/Changelly)

More facts

More facts we checked on Changelly

Coins listed
Sources disagree
Networks
Networks: 109; entries: 712; coins: 647
Rate type
Floating: estimate only; floating deposit address unusable after 3 hours; fixed lock minutes: 15 (20 for BTC, XMR, LTC, DCR, EOS, GAS, BNB, VET)
Log retention
Identity records: 5 years after the account is closed; other data: as long as necessary for the purposes of the policy
Onion address
Not published
I2P address
Not published
Where you live

Changelly in the US and elsewhere

In the US

US availability: Not available

Blocks US IPs
Terms: US users are excluded by the terms (restricted location)
VPN clause in terms
Not published

If you are a US person, US sanctions rules apply to you whether or not a service asks for ID.

Outside the US

Where Changelly does not serve

20 places in its terms
  • Afghanistan
  • Austria
  • Bangladesh
  • Crimea
  • Cuba
  • Donetsk People's Republic
  • Germany
  • Hong Kong SAR
  • India
  • Iran
  • Iraq
  • Japan
  • Luhansk People's Republic
  • North Korea
  • Syria
  • Turkey
  • United Kingdom
  • United States (including all territories)
  • Venezuela
  • Yemen
Show all 20 places+14 moreShow fewer

Regional rule: Not statedChangelly's own pages we checked do not say. This is not the same as no.

Site blocks by region
Afghanistan; Austria; Bangladesh; Crimea; Cuba; Donetsk People's Republic; Germany; Hong Kong SAR; India; Iran; Iraq; Japan; Luhansk People's Republic; North Korea; Syria; Turkey; United Kingdom; United States (including all territories); Venezuela; Yemen

Where you live and the provider's terms

Many services on this page do not serve every country. Some exclude people because of where they live or their citizenship, not only where they connect from. Read the provider's terms before you send funds. If the terms exclude you, do not use the service, and do not try to get around the restriction, for example with a VPN.

Taxes

A service that does not ask for ID does not change your taxes. In the US, the federal income tax return asks a yes-or-no question about digital assets, and you must report digital asset transactions whether or not they result in a gain or loss. In the UK, you may owe Capital Gains Tax when you sell, swap or spend crypto, and you must keep your own records. Rules in other countries differ.

No KYC is not anonymity

"No KYC" here means the provider says it does not ask for ID in the cases its terms describe. It does not make you anonymous. Changelly's terms say it can ask for ID in these cases: Transaction flagged by the risk scoring system: put on hold, identity collected; AML/KYC may be applied to particular users, addresses and transactions; basic KYC (passport) up to 10,000 EUR per 48 hours; advanced KYC above. Regulated exchanges you send funds from or to may have to collect information about who sends and who receives a crypto transfer. Your tax duties stay the same.

Funds can be held

If a provider asks for more information during a swap or a withdrawal, it may hold your funds until it gets it. Its terms decide what happens next. In the UK, a crypto business that asks for information on a transfer to or from a self-custody wallet, and does not receive it, must not pass the funds on. Read what the provider's terms say before you send. Changelly's terms say that if a check is requested and not completed: flagged transaction put on hold until identity data is collected; no refusal outcome or fee stated in the AML/KYC policy.

Checked October 22, 2026

Alternatives

Instant swaps to compare with Changelly

Other active services in this category from our list. The shield shows each one's ID rule from its own terms.

BitcoinVN ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
CCE Cash ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
ChangeHero Monero ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
EasyBit Bitcoin ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.
Exolix Monero ID rule: If a payment is flagged. No ID by default; checks when a risk system flags you.

Changelly side by side

From our privacy data, the same fields for every service
WhatChangellyBitcoinVNCCE CashChangeHeroEasyBitExolix
ID ruleID only if flaggedID only if flaggedID only if flaggedID only if flaggedID only if flaggedID only if flagged
AccountNoneNoneNoneNoneNone
You hold the keys
Monero
Lightning
Open source

Checked October 28, 2026

Browse Instant swapsWhere to buy MoneroBuy bitcoin without KYC
FAQ

Short answers about Changelly

From the data on this page.

Does Changelly ask for ID?

Changelly asks for ID only if a payment is flagged, per its own pages.

How much can you trade on Changelly without ID?

Maximum: no set amount restrictions stated; With ID: basic KYC up to 10,000 EUR per 48 hours.

Who holds your coins during a Changelly trade?

Held during the swap. Non-custodial (no stored balances; swaps routed through third-party exchanges).

Can you buy Monero on Changelly?

Yes. Changelly lists Monero.

What does Changelly cost?

Floating: 0.25% of the output amount (differs for API partners); Fixed: Margin in the fixed rate, no percentage published; Network fee: Separate, shown as an estimate.

Author

Who checked this page

Ethan Parker

Senior Content Editor

Every value on this page comes from Changelly's own pages and code, read on the dates shown. Checked Oct 4, 2026 to Oct 23, 2026.

More from Ethan ParkerHow we read the terms
Sources

Sources, how we read the terms and our process

Sources

  1. changelly.com, for status, checked October 5, 2026
  2. changelly.com, for no-ID limit, account, onion address, I2P address, trade limits, typical time, support, coins listed and networks, checked October 22, 2026
  3. changelly.com/aml-kyc, for ID rule, what triggers a check, what happens if a check fails and log retention, checked October 22, 2026
  4. changelly.com/privacy-policy, for data collected, checked October 22, 2026
  5. changelly.com/supported-currencies, for Monero and Lightning, checked October 22, 2026
  6. changelly.com/supported-currencies, for Zcash and bitcoin, checked October 23, 2026
  7. changelly.com/terms-of-use, for refund policy, checked October 5, 2026
  8. changelly.com/terms-of-use, for custody, custody in detail, account, excluded countries, US availability, fees, if a trade goes wrong, requests from authorities, warrant canary, audits, bug bounty, blocks US IPs, VPN clause in terms, site blocks by region and rate type, checked October 22, 2026

How we read the terms

We do not give privacy services a score. We record what each provider's own pages say: when it asks for ID, the limits, who holds your coins and what it costs. Labels come from each provider's terms, never from our guess. How we read the terms

Our process

We take fees, availability, licenses and coin counts from primary sources: Changelly's own fee schedules, terms and help pages, and the public registers kept by regulators. Every value carries the date we last checked it. The values on this page were checked between October 5, 2026 and October 23, 2026.

Not legal or tax advice. This page explains how these services work and what their own terms say. It is general information, not legal, tax or financial advice. Rules differ by country and change often. Check the rules where you live, or ask a qualified professional, before you use any service listed here.