Overall Score66 / 100The Wikilix trust rating of Change, out of 100, built from the five factors below.It holds a valid BaFin FVT000072 licence, and our investigation found it appears legitimate.Regulation78%Identity95%Client terms47%Trading offer54%Service44%Score last calculated 2026/10/24
Good65 to 79. A solid record with minor gaps and no stop sign.Why: It holds a valid BaFin FVT000072 licence, and our investigation found it appears legitimate.
66 out of 100 · 67% checkedThe share of the record we could verify. What we could not check counts as unknown and pulls the score toward the middle, never down.
Do not trust
High risk
Fair
Good
Excellent
It holds a valid BaFin FVT000072 licence, and our investigation found it appears legitimate.
We checked Change on 2026-10-24 across its regulation, company record, client terms, trading offer and service, and could verify 67% of its record. Its strongest valid licence is BaFin FVT000072. The score of 66 is what the checked record adds up to; nothing held it down. What would move the score: licence held by the onboarding entity, policy risk, critical clauses. Our published investigation found it appears legitimate, with 16.1 years of track record. Its client terms have not been reviewed yet.
Whether a financial authority supervises this broker: the licences it holds, whether we verified them on the official register, how strong that regulator is and what protection it gives clients. Worth 35 points of 100.
Identity
Who is behind it, and for how long?
95out of 100
Excellent
Counts for 15% of the score100% checked
What we checked
Registry-verified entity100
Company registration verified on the registry · Sep 22, 2026Source
Website reachable and not redirecting · Sep 10, 2026Source
What this measures
Who is behind it and for how long: a company registration we verified, years of verified history, how openly it names its entity, address and owners, and whether its website is intact. Worth 15 points.
Client terms
Are the client terms fair?
47out of 100
Poor
Counts for 15% of the score20% checked
What we checked
Policy riskNot checked yet
No published policy review
Critical clausesNot checked yet
No published policy review
Withdrawal rails36
5 rail(s): 0 fee-free of 1 known, 2 instant of 5 known, minimum $50 · Nov 22, 2025
Language parityNot checked yet
No published policy review
What this measures
How fair the client agreement is: the risk found in our policy review, the number of critical clauses, withdrawal rules, and whether the terms say the same in every language. Worth 15 points.
Trading offer
What does trading cost, and is it disclosed?
54out of 100
Fair
Counts for 20% of the score15% checked
What we checked
All-in EURUSD costNot checked yet
No EURUSD spread known
Pricing disclosed per account typeNot checked yet
No account types recorded
Instrument breadthNot checked yet
No instrument counts known
Platforms75
1 platform(s) (MetaTrader 5) · Nov 22, 2025
Leverage vs regulated capNot checked yet
Maximum leverage unknown
Minimum depositNot checked yet
Minimum deposit unknown
What this measures
What trading costs and how clearly it is disclosed: pricing per account type, the all-in cost of EURUSD, instruments, platforms, leverage against regulated limits and the minimum deposit. Worth 20 points.
1 of 6 support checks (phone, email, 24/7 chat, 2+ languages, messenger, complaints email) · Nov 22, 2025
Reputation footprint60
Scam check reputation 4/10 · Sep 22, 2026
WIKILIX communityNot checked yet
0 approved review(s), fewer than 10
What this measures
How clients are treated: support channels, complaints about withdrawals and reputation from our investigation, and reviews by WIKILIX members. Worth 15 points.
What Wikilix has recorded about Change: its history, the licences it holds, its trading conditions and its fees.
Company Profile
Change is a European fintech broker/neobroker operating via , 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.
• 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.
Website archive
Captured
Website snapshots
8 full-page captures of Change's own site, archived so what they said can still be read after the pages change.
Change holds a tier-1 or tier-2 licence that we confirmed on the regulator's own register. Each licence below opens its record of what that register says.
2 of 2 checked
Licences on recordEvery licence or registration recorded for this broker, whether the broker claims it or our check found it.
2
Confirmed on registerLicences we located on the issuing regulator's own public register, with a screenshot taken at the time.
1
Tier 1 or 2Licences from tier-1 or tier-2 authorities (FCA, ASIC, CySEC and peers), the strongest client protection. A registration we could not confirm as a licence is not counted.
1
OffshoreLicences from offshore registers, which typically carry no compensation scheme and lighter oversight.
0
WIKILIX
Licence intelligence
The strongest of 2 licences on file
Licence Verification Record
Federal Financial Supervisory AuthorityFVT000072
Wikilix read the BaFin register on Sep 22, 2026. This is what it said.
Jurisdiction
Estonia
Authority strength
Tier 1
Licence type
Financial Service
Register status
Active
Effective
Apr 1, 2015
Checked Sep 22, 2026
What our check found
Crypto-Asset Service Provider authorisation under MiCAR (EU 2023/1114) held by Change Securities B.V.: custody, exchange and execution of orders for crypto-assets. Confirmed on the AMF white list as passported from the Netherlands. Client protection: MiCAR conduct and custody safeguards; crypto held with sub-custodian BitGo. Effective: Apr 2026.
Client protection under this licence
Compensation schemeUp to €20000
Client money kept separate
Negative balance protection
Complaints routeBaFin Complaints Unit
Maximum leverage1:30
These are the rules BaFin sets for the firms it licenses. They are not a statement about how Change applies them, or about which of its companies would hold your account.
A licence record describes what an authority published. It is not an endorsement, and Wikilix does not issue authorisations.
5 ways to fund an account. One with no deposit fee. 2 credit instantly.
5 methods
Method
Deposit fee
Withdrawal fee
Min deposit
Withdrawal min / max
Processing
Credit/Debit CardsCredit CardWithdrawal usually limited to refund of deposited amount; processing time up to 24 hours for cards.
—Not recorded
—Not recorded
USD 100
USD 50/—Not recorded
Instant
Bank Wire TransfersWire TransferWithdrawal fees may apply after a certain number of free withdrawals per month; processing time 1-5 business days.
—Not recorded
USD 25
USD 100
USD 50/—Not recorded
Up to 1 day
E-wallets (Skrill, Neteller, PayPal)E-WalletSome brokers allow lower minimum deposits for e-wallets; withdrawal fees often waived for first withdrawals.
—Not recorded
—Not recorded
USD 100
USD 50/—Not recorded
Instant
CryptocurrenciesCryptocurrencyWithdrawal fees are flat or percentage based depending on blockchain; processing times vary with network congestion.
Free
—Not recorded
USD 100
USD 50/—Not recorded
Not recorded
Local TransfersBank TransferAvailability and conditions depend on regional banking regulations and restrictions.
MetaTrader 5 (MT5) is a next-generation multi-asset platform for trading Forex, stocks, and futures, with advanced analytics, faster execution, and powerful algorithmic trading tools.
Details
Websites
Global Domains
3 domains on record. All active and served over HTTPS.
3 domains
careers.changeinvest.comActiveHTTPS
support.getchange.comActiveHTTPS
getchange.comActiveHTTPS
Social channels
Social Presence
5 official channels on record.
5 channels
Company registry check
Checked
Company Registration
The operating company is xChange AS. Registered in Estonia. Registration number 14428150.
Verified on registry
Legal entity
xChange AS
Registration number
14428150
Jurisdiction
Estonia
Incorporated
Feb 12, 2018
Registry
Estonian e-Business Register (e-Ariregister)
Registered address
Tartu mnt 25-21, Kesklinna linnaosa, Tallinn 10117, Estonia
Peer comparison
Brokers worth comparing
3 other brokers on the record share what Change offers — its country, regulator, account types or platforms — set beside it on the same measures.
xChange AS offers customer support primarily in English. Support is available via live chat during business hours and email at support@changeinvest.com. The broker also maintains active social media profiles on Facebook, Twitter, LinkedIn, Instagram, and YouTube.
According to the provided data, xChange AS does not specify commission charges or spread types.
xChange AS supports deposits and withdrawals via credit/debit cards, bank wire transfers, e-wallets like Skrill and PayPal, cryptocurrencies, and local bank transfers. Processing times vary from instant for cards and e-wallets to several days for wire transfers. Withdrawal fees may apply, such as a $25 fixed fee for bank wire withdrawals.
xChange AS offers the MetaTrader 5 platform, a multi-asset trading software supporting Forex, stocks, and futures. It provides advanced analytics, faster execution, and algorithmic trading tools. The platform is available on desktop and multiple operating systems.
xChange AS is regulated by the Estonian Financial Supervisory Authority (FSA) as a MiFID investment firm. Client funds are insured up to €100,000 with investor compensation up to €20,000. The broker operates under onshore regulation within the EU/EEA and follows MiFID passporting rules.
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