How to buy

Changelly allows you to buy cryptocurrencies with your local fiat currency in a couple of steps:

• Choose the cryptocurrency you’d like to purchase and the fiat currency you’d like to pay in.

• Look through all the available offers and choose the one that suits you best.

• Enter your crypto wallet address, and don’t forget to fill in a memo or a destination tag if it’s provided by your wallet.

• After that you’ll be redirected to a chosen provider’s page. Go through the verification process on the provider’s page, if required by the provider. If you want to purchase crypto without leaving Changelly, we recommend you to use the Direct Buy feature.
• Check all the details and enter your payment information. The ETA of the transaction depends on the provider, your bank, and your chosen payment method.
• Please note that Changelly does not store any information about fiat-to-crypto transactions. Once the transaction is completed, you can see its details on the chosen provider’s side. The provider will also send you an email with transaction details, transaction hash (which is basically the transaction confirmation), etc.

Changelly is not a cryptocurrency wallet. We neither provide you with a wallet address nor store your assets. To initiate your first transaction, you should create a wallet first. Learn how to get and set one up in our blog article.

Usually, the cryptocurrency is delivered within 5–15 minutes. However, in some cases, due to market demand, it could take up to 3 hours. In case you have not received your crypto in 3 hours, please reach out to the provider’s support team.

Also, here you can find some suggestions about why your transaction can be stuck.

Direct Buy transactions allow our users to buy crypto without having to leave the Changelly website. Currently, they are processed with the help of our partner Switchere — but we might introduce more purchase providers offering this feature in the future.

Double-check your inbox and spam folder. If you can’t find anything there, please contact our support team via live chat (available in the lower right corner on every page of our platform) or by submitting a ticket here. Please indicate your transaction ID in your message.

You can only cancel your transaction if it’s on hold or hasn’t been paid yet.

To cancel your transaction, message our support team via the 24/7 live chat on our website and tell them your Direct Buy transaction ID and that you want to cancel it. We will take care of everything else!

Your crypto will typically be in your wallet in 5-15 minutes. However, the transaction might take a bit longer if additional verification is required or in case of some overload on the provider’s end.

Switchere fees are dynamic and depend on a wide variety of factors, like the cryptocurrency you’re buying, your payment method, and so on. Fees are always included in the amount you see when making a transaction — there are no hidden commissions.

Switchere limits depend on your country of residence and your account status. Here they are:

*Please note that all US residents are required to verify both their identity and address to be able to use our services. Once this is done, they won’t have any limits on their crypto purchases.

In some cases, the above-mentioned limits might be reduced, depending on a variety of risk factors like past account actions. If you have any questions about your personal limits, please contact Switchere’s support team.

The transaction is usually put on hold if you need to go through verification and send some additional information to our partner Switchere. If that happens, we will typically update you on your transaction status and any actions you might need to take via email. If your transaction is on hold, yet you haven’t received any emails, please contact our support team via live chat (available in the lower right corner of our website).

To check your “Direct Buy” transaction status, you will need to follow the link provided in one of our emails regarding that particular transaction. Alternatively, you can use the following webpage: changelly.com/direct-buy/transaction/[ID], where [ID] is your transaction ID. For example, changelly.com/direct-buy/transaction/[010101].

Please note that only a small minority of users will have to pass verification when using Changelly’s Direct Buy feature. It is usually requested by our partner Switchere and required to keep the crypto space safe. Verification is also necessary for US residents and non-US residents wishing to exceed the monthly purchase limit.

Once your transaction is put on hold, we will send you an email with a link to your transaction status page. From there, you will be redirected to the Switchere website, where the verification process will take place. Follow their instructions to proceed.

Please note that you can always opt out of verification and cancel your transaction. Moreover, if you get the email and do not pass additional verification within 3 days, then your transaction will be canceled automatically.

You will get an email with updates on your verification status.

Most users will be able to get their crypto within minutes after confirming their transactions. However, that time can be extended if there is network congestion or if the user is asked to pass verification.

We work with several purchase providers that allow buying crypto without verification, but only if the purchase amount is below a certain point. These purchase providers are Switchere and Wert. In some cases, they may still ask you to pass verification according to their internal guidelines.

Their limits for no-verification purchases are as follows:
Switchere – $150
Wert – up to €1,000

To have a fiat transaction that exceeds the limit processed, you should pass the KYC (Know Your Customer) procedure. Our partners ask you to provide your personal information and attach scans of your documents. In case you still would like to clarify why the KYC process is essential while working with fiat currencies, check out this page.

Typically, once the procedure is passed, further purchases via the same provider won’t require additional verification as long as the payment method remains the same.

Our partners independently set the limits on available purchase amounts. To get more details, please visit the website of the corresponding provider.

We provide fiat transactions via our partners, and each of them naturally has its own minimum limits. The limits are also defined by the selected currency:

• MoonPay, Banxa – $30
• Simplex – $50
• Switchere – $10
• Wert – $5
• Topper – $10

Please note that some providers might be unavailable in your country of residence.

The minimal fee for fiat-to-crypto transactions is 4%. However, the final fee depends on the selected currency pair, your country of residence, market rates, volatility and other factors.

You can see the final fee for a certain purchase on the processing screen before payment. To see it choose the currency pair and the amount in fiat currency on the “Buy” page. After that you’ll see our providers which can process your purchase. You’ll also see the estimated cryptocurrency amount you’ll get near the provider’s name. Enter your recipient wallet address and click the green “Buy” button to get redirected to the provider’s page.

On their page you’ll see more details regarding your purchase, including all the fees.

If you pay in a currency that is not on the list down below, you can choose USD, GBP or EUR. The currency of your card/bank transfer will be converted into USD, GBP, or EUR automatically at the rate of your bank, if your payment method supports international transactions.

We accept payments in 89 fiat currencies:

• Bahraini Dinar
• Armenian Dram
• Australian Dollar
• Azerbaijani Manat
• Bangladeshi Taka
• Barbados Dollar
• Bermudan Dollar
• Bolivian Boliviano
• Bosnia-Herzegovina Convertible Mark
• Botswana Pula
• Brazilian Real
• Brunei Dollar
• Bulgarian Lev
• Cambodian Riel
• Canadian Dollar
• Cayman Islands Dollar
• Chilean Peso
• Chinese Yuan
• Colombian Peso
• Costa Rican Colón
• Czech Koruna
• Danish Krone
• Djiboutian Franc
• Dominican Peso
• Egyptian Pound
• Euro
• Georgian Lari
• Ghanaian Cedi
• Guatemalan Quetzal
• Hong Kong Dollar
• Hungarian Forint
• Icelandic Króna
• Indian Rupee
• Indonesian Rupiah
• Iraqi Dinar
• Israeli New Shekel
• Jamaican Dollar
• Japanese Yen
• Jordanian Dinar
• Kazakhstani Tenge
• Kenyan Shilling
• Kuwaiti Dinar
• Kyrgystani Som
• Lebanese Pound
• Macanese Pataca
• Macedonian Denar
• Malaysian Ringgit
• Mauritian Rupee
• Mexican Peso
• Moldovan Leu
• Mongolian Tögrög
• Moroccan Dirham
• Mozambican Metical
• Namibian Dollar
• Netherlands Antillean Guilder
• New Zealand Dollar
• Nigerian Naira
• Norwegian Krone
• Omani Rial
• Pakistani Rupee
• Panamanian Balboa
• Papua New Guinean Kina
• Paraguayan Guarani
• Philippine Peso
• Polish Złoty
• Pound Sterling
• Qatari Rial
• Romanian Leu
• Saudi Riyal
• Serbian Dinar
• Singapore Dollar
• Sol
• Somali Shilling
• South African Rand
• South Korean Won
• Sri Lankan Rupee
• Swedish Krona
• Swiss Franc
• Taiwan New Dollar
• Tanzanian Shilling
• Thai Baht
• Turkish Lira
• Ugandan Shilling
• Ukrainian Hryvnia
• United Arab Emirates Dirham
• Uruguayan Peso
• US Dollar
• Vietnamese Dong
• West African CFA Franc

If you are unable to add a payment card, please make sure your card supports the 3D Secure protocol and can be used for international transactions. Also, you might experience difficulties making transactions if you have added cards issued by more than five different banks. If so, delete the unused cards from your account.

If the problem persists, please contact support.

Please note that Changelly does not process any fiat transactions. All fiat transactions are processed on the fiat-to-crypto provider’s end. Due to international banking security, you cannot make any purchases on the fiat provider’s website without a 3D Secure card.

3D Secure is a protocol created as an additional security layer for online credit and debit card transactions. If you are unsure whether your card is secured this way, please contact your bank so that its specialist can simply turn on this feature if needed.

Your operation may fail for a range of reasons:

• The transaction might be declined by the bank. First, contact your bank provider to find out all the details about the operation. Your bank should support crypto operations to process your transaction.
• The transaction might be declined, because your bank card doesn’t support 3DS verification (verification via phone number). Please pay attention to the fact that you cannot use Changelly without a 3D Secure card.
• The transaction may fail due to some technical issues on the purchase provider’s end. We recommend you to contact the provider in charge for more information.
• The transaction may be declined by the provider in case your payment method or some data of a specific purchase don’t comply with the provider’s terms and conditions. We recommend you to contact the provider in charge for more information.

There is a list of countries and states where our fiat providers do not operate.

• Simplex doesn’t operate in Afghanistan, Bosnia and Herzegovina, Cuba, Ethiopia, Iran, Iraq, Korea, Democratic People’s Republic of Lao, People’s Democratic Republic of Ethiopia, Sri Lanka, Sudan, Syrian Arab Republic, Trinidad and Tobago, Tunisia, Uganda, Vanuatu, Yemen, Lebanon, Serbia, New York, Georgia, Connecticut, New Mexico, Washington, Hawaii states in the USA.
  MoonPay doesn’t operate in Cuba, Afghanistan, Iran, North Korea, Sudan, Syria, or any other country subject to the United States embargo, UN or EU sanctions, or HM Treasury’s financial sanctions regimes.
• Banxa doesn’t operate in Afghanistan, the Central African Republic, Congo, Côte d’Ivoire, Cuba, Eritrea, Guinea-Bissau, Iran, Iraq, North Korea, Liberia, Libya, Panama, Russia, Rwanda, Somalia, South Sudan, Sudan, Ukraine (Crimea), Yemen, or Zimbabwe.
• Switchere. As stipulated by governing law and jurisdiction clauses, the residents from Afghanistan, American Samoa, Bahamas, The Republic of Belarus, Bosnia and Herzegovina, Botswana, Crimea, Cuba, Democratic Republic of Congo, Ethiopia, Ghana, Guam, Guyana, Iran, Iraq, the Lao People’s Democratic Republic, Libya, Nigeria, North Korea (DPRK), Pakistan, Panama, Puerto Rico, The Russian Federation, Samoa, Saudi Arabia, South Sudan, Sri Lanka, Sudan, Syria, Trinidad and Tobago, Tunisia, Uganda, US Virgin Islands, Vanuatu, Yemen and Zimbabwe cannot use Switchere.
• Wert. Please note, that Wert works in the following countries: Åland, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Aruba, Australia, Austria, Bahrain, Bangladesh, Belgium, Belize, Benin, Bermuda, Bhutan, Bonaire, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cameroon, Canada, Cape Verde, Chad, Chile, China, Christmas Island, Cocos [Keeling] Islands, Colombia, Comoros, Democratic Republic of the Congo, Cook Islands, Costa Rica, Ivory Coast, Croatia, Curaçao, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, El Salvador, Equatorial Guinea, Eritrea, Estonia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, Gabon, Gambia, Georgia, Germany, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Honduras, Hong Kong, Hungary, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Morocco, Macao, North Macedonia, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mayotte, Mexico, Micronesia, Moldova, Monaco, Montenegro, Montserrat, Mozambique, Namibia, Nauru, New Caledonia, Netherlands, New Zealand, Niger, Niue, Norfolk Island, Northern Mariana Islands, Norway, Oman, Palau, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Martin, Saint Pierre and Miquelon, San Marino, São Tomé and Príncipe, Saudi Arabia, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, Saint Kitts and Nevis, Saint Lucia, Sint Maarten, Saint Vincent and the Grenadines, Suriname, Svalbard and Jan Mayen, Swaziland, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, East Timor, Togo, Tokelau, Tonga, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, United Arab Emirates, United Kingdom, U.S. Virgin Islands, United States, Uruguay, Uzbekistan, Vatican City, Vietnam, Wallis and Futuna, Zambia, Arkansas – AR, California – CA, Colorado – CO, Connecticut – CT, Delaware – DE, Florida – FL, Georgia – GA, Idaho – ID, Illinois – IL, Indiana – IN, Iowa – IA, Kansas – KS, Kentucky – KY, Louisiana – LA, Maine – ME, Maryland – MD, Massachusetts – MA, Michigan – MI, Minnesota – MN, Mississippi – MS, Missouri – MO, Montana – MT, Nebraska – NE, New Hampshire – NH, New Jersey – NJ, North Carolina – NC, North Dakota – ND, Ohio – OH, Oklahoma – OK, Pennsylvania – PA, Rhode Island – RI, South Carolina – SC, South Dakota – SD, Tennessee – TN, Texas – TX, Utah – UT, Virginia – VA, Wisconsin – WI, Wyoming – WY.
• Topper doesn’t operate in the following regions: OFAC Nations, the UK, the Netherlands, and Germany.

While buying crypto via our partners, you can pay with a 3D Secure card issued in any country and currency. If the provider doesn’t support your local currency, transactions can still be processed in either USD, GBP, or EUR, if you select any of these as your purchase currency. Then, your local currency will be converted to USD, GBP, or EUR at your bank rate, if your bank supports international transactions.

To eliminate the costs associated with multiple conversions, we recommend choosing the fiat currency of your bank card, so you can choose the provider that supports your local currency. We also recommend that you use debit cards instead of credit ones to ensure that your transaction won’t be declined by the bank (which issued the card). Please also make sure that your payment method is eligible for international transactions and that your bank allows operations with cryptocurrency.

Please note that your transaction won’t be processed if you reside in an unsupported country.

Unfortunately, our fiat providers allow only Visa and Mastercard at the moment. Please follow the news on their social media to stay updated.

Some currencies may be unavailable for exchange. We can only provide you with the fiat currencies that are available at our partners’ end.

Changelly works with different fiat providers, and each of them offers several options to buy cryptocurrencies.

You can buy crypto with a prepaid card using Simplex. Unfortunately, you cannot purchase crypto with gift cards on Changelly. Also, none of the providers accepts cards issued by Bank of America.

If you are interested in credit/debit card fees, check out the purchase fees section.

Currently, Changelly’s partners do not accept PayPal.