Change

Company Profile

Change is a European fintech broker/neobroker operating via changeinvest.com, offering a multi-asset-class platform that combines crypto, CFDs, stocks, ETFs, and commodities.

The company behind it is xChange AS, from Estonia, while its CFD brokerage arm is Change Securities B.V. from the Netherlands.

Change claims over 135,000 verified users and supports more than 500 tradable assets.

Regulation & Safety

• Change’s CFD trading business is regulated by the Dutch Authority for the Financial Markets (AFM), under Change Securities B.V.

Its crypto operations run under xChange AS, which is licensed by the Estonian Financial Intelligence Unit.

• The site has a very low trust score according to ScamAdviser.

• ChangeInvest is given a medium risk rating of 58.1/100 on Scam Detector, pointing to possible problems with phishing or high-risk financial services.

Trading Terms / Products

• Assets: Users can invest in over 140 different types of cryptocurrencies and trade CFDs on stocks, ETFs, forex, and commodities.

• Leverage: With CFD products, Change offers up to 30× leverage.

• Minimum Deposit: They allow depositing with as little as €10.

• Fees & Execution: Change focuses on low fees, “fair, responsible trading,” and transparency in its cost structure.

• Security: According to the broker, crypto assets are kept in cold wallets. It also publishes proof of reserves.

Account Types & Base Currencies

• Change offers one app-based account: supports both long-term investing-crypto and stocks-and short-term leveraged trading with CFDs.

•BASE currency information is not clearly outlined from third-party sources; the website has a focus on euros with regards to funding and account balance.

Deposit & Withdrawal

• Deposit Methods: Change supports SEPA transfers, debit cards, and crypto deposits.

• Withdrawals: The platform allows crypto withdrawals, and euro withdrawals are available using its EU banking relationships.

• Inactivity / Other Fees: Online complaints from Trustpilot indicate that Change does charge for passive account maintenance after 90 days of inactivity.

User Feedback & Reputation

• On Trustpilot, reviews remain mixed: while some praise the ease of use of this app and a responsive support team, others strongly criticize this inactivity fee taken from their balance as something unauthorized.

• There are accusations of unregulated behavior, weak transparency, and other red-flags, according to a Liberty-Reviews writeup.

• According to WikiFX, there are "suspicious regulatory license" flags, and the broker is rated with "high potential risk" by some users.

Pros & Cons

Pros Cons

A wide multi-asset offering: crypto, stocks, CFDs, ETFs. Inactivity fee after 90 days, per user complaints.

Low minimum deposit to get started: €10. Trust and risk issues - the website has a low trust score according to ScamAdviser.

Regulated CFD operations, AFM/Netherlands, crypto business, Estonian FIU. Medium risk according to Scam Detector.

Transparent security: cold wallet storage & proof of reserves. Some users report "predatory fee practices" on Trustpilot.

Risk Assessment

Change (ChangeInvest) carries an average risk profile. Though this broker operates within the legal frameworks of Estonia in crypto and the Netherlands in CFDs, concerns still linger:

• Inactivity/maintenance fees may penalize the long-term passive users.

• Trust-scoring platforms, such as ScamAdviser, flag potential risks with domain ownership and financial service nature.

• Some feel the fee structure is not well-articulated, particularly as relates to account "passivity."

Conclusion

Change might also be an attractive option for those customers looking for a single platform to accommodate crypto investing, along with leveraged CFD trading, particularly in the EU. Its multi-asset reach, low entry cost, and regulatory licensing are indeed advantageous. Yet, prospective clients will want to consider inactivity fees and trust-related risks, especially if holding funds for extended periods. As always, carefully read the terms of service and fee schedule before depositing.