Crypto guide
ChangeNow vs SimpleSwap: 2026 Fees, Rates and KYC
Status: operating (checked Oct 20, 2026)
ChangeNOW supports more than 1,500 assets across more than 110 networks and normally requires no account for a standard swap, while comparable SimpleSwap details need checking before sending funds.
ChangeNow at a glance
| Detail | What applies |
|---|---|
| Fee disclosure | Exchange costs are generally included in the quoted rate. Network fees, liquidity conditions, and route availability |
| Supported assets and networks | More than 1,500 crypto assets across more than 110 networks. Available assets and routes can change with liquidity, |
| Transaction limits | Minimum and maximum amounts are route specific and shown in the quote form before funds are sent. |
| Account requirement | No account is normally required to request and complete a standard crypto swap. |
| KYC and AML policy | ChangeNOW can request identity verification for transactions flagged by its AML and risk controls, including from users |
| Rate options | Classic Rate uses a market based rate and the final received amount can change. Fixed Rate locks the quoted rate for a |
Updated
Quick verdict
ChangeNOW scores 7.3/10 and normally allows a standard crypto swap without an account, with Classic and Fixed Rate quote options.
Our overall score: 7.3/10, read the full ChangeNow review
Best for: Multi-chain asset swaps, Users avoiding trading accounts, Choosing fixed or market-based quotes
Not for: Clear standalone fee schedules, Users unwilling to complete risk checks, Recovering misrouted funds
Editorial independence: this review reflects our own independent research and is not influenced by advertisers.
Affiliate disclosure: some links on this page may earn us a commission at no extra cost to you. This does not affect our review.
Quoted rates and the cost inside them
ChangeNOW generally includes exchange costs in the quoted rate instead of publishing a simple standalone swap fee. Network fees, liquidity conditions and route availability can also affect the quote. That means the received amount is the useful comparison point, rather than assuming a visible percentage tells the full cost.
SimpleSwap's equivalent fee presentation is not verified here. A fair live comparison requires entering the same asset pair, amount and destination network on both services, then comparing the final amount displayed before payment. Our fees guide explains why network conditions can make that result move between quotes.
Winner: too close to call
Which swap gives a clearer quote, ChangeNOW or SimpleSwap?
ChangeNOW gives the clearer documented choice here because it explicitly offers Classic and Fixed Rate quotes, while SimpleSwap's matching rate details are not verified here.
Classic Rate uses a market-based rate, so the final received amount can change during execution. Fixed Rate locks the quoted rate. Neither label removes the need to check the selected network, the amount received and the route before sending. See rate calculation for the practical difference between a locked quote and a market-based one.
Winner: ChangeNOW
Can you swap without an account or verification?
ChangeNOW normally lets users complete a standard crypto swap without an account, but it can require KYC when its AML and risk controls flag a transaction; SimpleSwap's corresponding policy is not verified here.
This is a non-custodial exchange flow, not a traditional trading account. You send crypto to a unique order address, then ChangeNOW sends the output asset to your chosen address. That structure does not prevent compliance checks, and it does not make an incorrect destination or unsupported route easy to recover after funds are sent. Read verification requirements and privacy before treating no-account access as a promise of anonymity.
Winner: ChangeNOW
Coverage, mobile access and help after a mistake
ChangeNOW states support for more than 1,500 crypto assets across more than 110 networks. Available assets and routes can change with liquidity, so a listed coin is not a guarantee that every chain or pair is live at the moment of the swap. Service is also restricted in jurisdictions listed in its terms, including sanctioned and other prohibited locations.
ChangeNOW has iOS and Android apps. It does not publicly disclose support response times or a recovery process that can reliably reverse a completed transfer to a wrong address or unsupported route. Check supported assets before creating an order, and use contact support promptly if an order is delayed or a payment problem appears. SimpleSwap's asset count, app availability and support standards are not verified here.
Winner: ChangeNOW
Frequently asked questions
Does ChangeNOW or SimpleSwap publish a simpler swap fee?
ChangeNOW does not present exchange costs as a simple standalone swap fee. Its costs are generally included in the quoted rate, with network fees, liquidity and route availability also affecting the result. SimpleSwap's comparable fee model is not verified here. Compare the final amount received for the same pair and network before funding either order.
Are ChangeNOW Fixed Rate quotes directly comparable with SimpleSwap quotes?
Only if the same assets, networks and amount are used at the same time. ChangeNOW says Fixed Rate locks the quoted rate, while Classic Rate uses a market-based rate and the received amount can change. SimpleSwap's rate modes are not verified here, so do not assume its displayed quote carries the same execution conditions.
Can ChangeNOW request KYC even though no account is normally required?
Yes. ChangeNOW normally does not require an account for a standard crypto swap, but its AML and risk controls can flag a transaction and trigger an identity verification request. That is different from having a conventional trading account. SimpleSwap's policy for post-order checks is not verified here, so check its current terms before sending.
Which service has wider published asset coverage, ChangeNOW or SimpleSwap?
ChangeNOW publishes coverage of more than 1,500 crypto assets across more than 110 networks. It also warns that available assets and routes can change with liquidity. SimpleSwap's current asset and network totals are not verified here. For a real route decision, confirm that both the input and output networks are available in the live quote form.
Other ChangeNow details we checked (as of Oct 20, 2026)
| Detail | What applies |
|---|---|
| Geographic availability | ChangeNOW restricts service in jurisdictions listed in its terms, including sanctioned and other prohibited |
| Mobile app platforms | Mobile apps are available for iOS and Android. |
| Custody model | Non-custodial exchange flow. Users send funds to a unique order address, and ChangeNOW sends the output asset to the |
| Fiat purchase options | Card and other fiat to crypto purchase options may be available through third party payment providers, subject to |
| BTC network fee | 1 sat/vB |
| KYC requirement | KYC required |
Published comparison points for ChangeNOW and SimpleSwap (as of Oct 20, 2026)
| Criterion | ChangeNOW | SimpleSwap |
|---|---|---|
| Fee model | Exchange costs are generally included in the quoted rate. Network fees, liquidity conditions and route availability can affect it. | Not verified here |
| Rate type | Classic Rate uses a market-based rate and the final received amount can change. Fixed Rate locks the quoted rate. | Not verified here |
| Account requirement | No account is normally required for a standard crypto swap. KYC can be requested after AML and risk checks. | Not verified here |
| Asset coverage | More than 1,500 crypto assets across more than 110 networks. Assets and routes can change with liquidity. | Not verified here |
| Support and access | iOS and Android apps are available. Support response details are not publicly disclosed. | Not verified here |
Bottom line
ChangeNOW has a stronger documented case for users who want a no-account standard swap and a choice between Classic and Fixed Rate quotes. Its more than 1,500 assets across more than 110 networks are useful, but live route availability can still change. The main trade-off is fee clarity, since costs are generally built into the quote rather than shown as a simple standalone charge. Compliance checks can still occur after AML and risk screening. Against SimpleSwap, compare live received amounts and route conditions instead of relying on broad marketing claims.