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Change

Change Securities B.V. · Netherlands
Key points
Official sourceUnclaimedMiCA-licensed · NetherlandsCFD
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇳🇱 Netherlands
Founding date
2010
Number of customers
≈ 135 000

Regulation

Regulatory licences
MiCA licence, notified on 20/04/2026
Licensing authority
Netherlands Authority for the Financial Markets (AFM)
Registered services
  • Custody
  • Order execution
  • Crypto/fiat exchange
Register consulted
Consult the register → · verified on 23/08/2026

Change is a Dutch multi-asset platform combining crypto investment and trading on financial markets. Its crypto offer includes spot holding, recurring purchases, staking, withdrawals to an external wallet and a card, while a separate environment provides access to leveraged CFDs on several asset classes. The platform therefore caters both to investors wishing to actually own their crypto-assets and to users drawn to more active trading.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC)

Available cryptos: 90

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a CFD broker (no real holding), Change suits some use cases more than others.

Minimum deposit: €10Mobile appWithdrawal to personal wallet possibleAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €10. Withdrawal to a personal wallet possible.

Available across the whole European Economic Area.

03How much it costs

Deposit
SEPA transfer0 %
Card0 %
Trading
0 %
spread not quantifiable
Tapering from 0,1 % (base) to 0 % (best tier)
Recurring buy (DCA)0 %
Holding
Inactivity20 €/month
Commission withheld on staking:0 %
Exit
EUR withdrawal1 €

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Change, spot crypto: BTC = 0 % explicit commission but variable spread; altcoins = 0,10 %. Recurring Buy follows the asset's fee schedule exactly: 0 % BTC / 0,10 % altcoins. These rates do not depend on the funding method. Bank deposits/Instant Deposit: 0 %. Fiat withdrawal: 1 € flat. Dormant account: 20 €/month. Staking: no additional commission announced. CFDs have a separate fee schedule, distinct from spot: dynamic spread and crypto overnight fee of 0,071 %.

Fees vary depending on the asset traded, the rate above is a reference, not a guaranteed average. Spot: BTC 0 % + variable spread; altcoins 0,10 %. DCA: same schedule. Fiat withdrawal 1 €. Fixed crypto withdrawal fees per asset + network, e.g. BTC 0,0003 BTC, ETH 0,006 ETH, LTC 0,03 LTC, XRP 1 XRP, SOL 0,05 SOL. CFDs: 0 % commission, historical average crypto spread 0,97 % (reference 01/10/2025), overnight 0,071 %.
Fee source: https://www.changeinvest.com/pricing · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Spot crypto-assets held in segregated form via Stichting Change Custody, separate from Change's own assets. Custody in cold storage/multi-signature; deposits, withdrawals and trades covered up to client balances.

05What to know before you start

Two separate activities: real spot crypto holding on one side; leveraged CFDs/margin on the other. BTC at 0 % commission with a variable spread, altcoins at 0,10 %. Daily/weekly/monthly Recurring Buy, staking on 16+ assets and self-custody withdrawals. Change card active in the app. A Business Account exists, but the current terms restrict its opening to legal entities established in Estonia with eligible directors/UBOs.

Compensation transparency: affiliate partnership with Change: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is Change licensed under MiCA?

Yes. Change Securities B.V. is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Netherlands Authority for the Financial Markets (AFM), Netherlands. Notification to the ESMA register: 20/04/2026. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on Change?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0 €, spread included and network fees excluded (Uncrypt €100 index). The platform states that a variable spread is added to this cost, without publishing its amount. Fees vary depending on the crypto bought. Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on Change?

90 crypto-assets are available on Change.

What is the minimum deposit on Change?

The minimum deposit is 10 €.

Can you withdraw your crypto from Change to your own wallet?

Yes, Change lets you withdraw your crypto-assets to a personal wallet.

Can you stake crypto on Change?

Yes, Change offers staking. The platform keeps a 0 % commission on rewards.

Can you schedule recurring purchases (DCA) on Change?

Yes, Change lets you schedule recurring purchases (DCA).