ChangeNOW Review
Detailed refund rules, undisclosed spread
of 10
ChangeNOW offers fixed and floating rates over 905+ coins, and documents its refund rules in unusual detail — below-minimum deposits refunded, failed-KYC refunds within 24 hours. It lists its fee types without disclosing specific spread percentages.
No money changes hands. This is a non-commercial project: no advertising, no sponsored placements, and no affiliate or referral links. Links to the services below earn us nothing. Every overall score is the plain average of the criteria shown on the page, so you can check the arithmetic yourself — see our rating methodology and how the site is funded.
Fee
Network, trading and LP fees listed; no percentages
Rate options
Fixed and floating
KYC
On transactions marked suspicious
Refunds
Below-minimum refunded; failed-KYC within 24 hours
Coverage
905+ coins
Scores
Each criterion carries equal weight. The overall score is the average of these 5 scores — (3.0 + 8.0 + 6.0 + 9.0 + 2.0) ÷ 5 = 5.6.
Pros
- Both fixed-rate and floating-rate exchanges offered, each explained
- Refund rules detailed: below-minimum deposits refunded, failed-KYC refunds within 24 hours minus network fees
- KYC triggered when a transaction is marked suspicious, with the process explained
- Supports more than 905 coins
Cons
- Fee types are listed but without specific spread percentages
- Unsupported-asset deposits carry no refund guarantee
- Custody is not explicitly stated
- The operating entity is not named on the pages read
Refunds spelled out
ChangeNOW documents its refund handling more fully than most: a below-minimum deposit is guaranteed a refund, a failed KYC is refunded within 24 hours minus network fees, and — stated honestly — a deposit in an unsupported asset carries no refund guarantee. Knowing in advance which failures are covered and which are not is exactly what this criterion looks for.
KYC, explained
Identity verification is triggered when a transaction is marked suspicious, at which point the exchange is put on hold and the customer is asked to confirm their identity, alongside fiat and EU AML requirements. The trigger is stated rather than left vague.
The fee is the gap
ChangeNOW lists network, trading and liquidity-provider fees but without disclosing specific percentages, stating only that it finds the fastest and most user-profitable route. Custody is not explicitly stated and the entity is not named. The undisclosed spread is the most significant of these and holds the fee score down.
The company behind it
ChangeNOW states it was founded in 2017 and is operated by CHN Group LLC, incorporated in Saint Vincent and the Grenadines, with a postal address in Tallinn; it also has its own NOW token. Its founding individuals are not named. An offshore entity disclosed in its terms, without named founders, is the standard shape of accountability for a non-custodial exchanger — and ChangeNOW at least states the entity and the year plainly.
How it compares
LetsExchange
Non-custodial, but figures are undisclosed
Swapzone
Zero aggregator fee, undisclosed underlying spread
Godex
No-registration swaps, undisclosed spread
Changelly
A stated floating-rate fee, little else
SimpleSwap
Fixed and floating rates, non-custodial by default
SideShift
Fixed and variable rates with a clear refund window
ChangeHero
The one exchanger that names its operator
FixedFloat
The rare exchanger that publishes its fee
Sources
Scored from published primary sources rather than hands-on use. Every figure above comes from one of the pages below, on the date shown. Manufacturers change prices and specifications without notice — if something here no longer matches the source, tell us and we will correct it.
- 1.ChangeNOW — FAQ (fees, rates, KYC, refunds) — checked
- 2.ChangeNOW — about page — checked
Frequently asked questions
What does ChangeNOW charge?
It lists network, trading and liquidity-provider fees but does not disclose specific spread percentages on the FAQ we read on 24 July 2026.
When does ChangeNOW require KYC?
When a transaction is marked suspicious, the exchange is put on hold and the customer is asked to confirm their identity, alongside fiat and EU AML requirements.
Nothing here is financial advice. Editorial policy · How we score · How we're funded.