SimpleSwapvs
ChangellySimpleSwap vs Changelly: short answers to the questions people ask before a swap
Both services swap crypto from your wallet to your wallet without holding a balance for you. The answers below cover fees, rate windows, KYC, accounts, speed, Monero, fiat and reviews, each taken from the services' own pages or Trustpilot in October 2026.
Questions
What is the difference between SimpleSwap and Changelly?
SimpleSwap is a swap aggregator with 2,800+ assets that routes each order across 20+ providers.
Changelly is an instant exchange, running since 2015, with 1,000+ to 1,200+ cryptocurrencies and a fiat Buy section with 15+ providers.
Which is cheaper, SimpleSwap or Changelly?
Neither on every pair. SimpleSwap's fee starts from 0.2% and is built into the rate. Changelly charges 0.25% of the output on floating swaps plus the network fee. Compare what each quote says you receive.
How long is a fixed rate held?
20 minutes on SimpleSwap, on every pair. 15 minutes on Changelly, or 20 for BTC, XMR, LTC, DCR, EOS, GAS, BNB and VET.
Do I need KYC on SimpleSwap or Changelly?
Not for most swaps. SimpleSwap may require verification for fiat purchases, transaction security and compliance. Changelly asks for KYC when its risk-scoring system flags a transaction.
Do I need an account?
SimpleSwap needs none for most crypto-to-crypto swaps. Changelly's Terms and homepage FAQ ask you to create one; its KYC FAQ describes swaps started without one.
Which is faster?
SimpleSwap states under a minute on fast chains and 10 to 30 minutes on Bitcoin and Ethereum. Changelly states about 5 to 40 minutes on average, not counting confirmations.
What is the minimum amount?
SimpleSwap sets it per pair, as low as the equivalent of $0.50 for some assets. Changelly's minimum must cover the network fee and the market's minimum exchangeable lot.
Can I buy crypto with fiat money on SimpleSwap or Changelly?
Both offer fiat purchases through partners. SimpleSwap works with Mercuryo, Simplex, Guardarian and others. Changelly compares 15+ providers in 100+ fiat currencies.
Do SimpleSwap and Changelly support Monero?
Yes, both list XMR.
Does SimpleSwap have a loyalty program?
Yes. Four tiers give fee discounts from 5% at Bronze to 20% at Platinum, with USDT cashback at Gold and Platinum. Changelly lists no loyalty program on its official pages.
What are their Trustpilot ratings?
SimpleSwap: 4.2 from 2,650 reviews. Changelly: 4,598 reviews, with the score hidden by Trustpilot for a guidelines breach.
What is SimpleSwap's official website?
simpleswap.io is SimpleSwap's only official domain. Changelly's is changelly.com.