Banking For The Digital Age
A Crypto-Friendly Bank With a DeFi Core
Discover Better Fiat With Changex Banking
Opening a bank account with Changex happens in seconds and gives you access to a suite of financial services and perks for an easier life.
An Alternative to Banks
Changex will operate as a licensed agent of an Electronic Money Institution (EMI). EMIs are safe, flexible, and compliant with all international legal frameworks and requirements.
Better, Faster, Smarter
Get your IBAN in a few clicks and enjoy Euro banking in the 36 SEPA countries. Join a network of 500+ million users and vendors, send and receive Euro, and make payments in seconds.
Seamless Fiat To Crypto
Access fiat-crypto synergies no traditional bank will offer. Turn fiat to crypto, sell crypto for fiat, and use all your assets in your daily activities with unprecedented ease.
A centrally-issued bank card that works with your decentralized tokens.
Join the Waitlist
The Changex crypto debit card works like a standard debit card in any location that supports cashless payments.
Use Euro or any in-app token in the real world and unchain your personal finance.
Get crypto or Euro cashback every time you use your card for purchases.
Increase the percentage and get more out of your bank account by holding and/or staking more CHANGE.
Use your virtual debit card in the app and spend securely, or spend Euro and any in-app token with the physical card.
Simply pick your currency - Changex handles everything in the background.
Is Changex a Bank?
Changex will be a licensed agent of an Electronic Money Institution (EMI). Changex is not a traditional bank, but rather an alternative to one. Being an agent of an EMI allows us to be more flexible, reduce bureaucracy, and remove the need for physical offices. It also lets us offer multiple payment methods and various fiat-crypto synergies, giving us time and space to focus on expanding our products and services. EMIs and their agents are fully compliant, highly secure, and have greater freedom when it comes to introducing new services.
How does the card waitlist and ranking work?
Joining the waitlist gives you a chance to be one of the first users to receive their card. The waitlist automatically puts you in the queue of users who have already entered, and you can climb the ladder by participating in community games and activities. These can be anything from sharing information about Changex, following us on social media, and going on treasure hunts, among others. We will provide additional information soon.
What is a SEPA IBAN?
SEPA, short for the Single European Payment Area, is an EU-wide system that enables fast, secure, and cashless payments to anywhere in the European Union and in several non-EU countries. SEPA transactions occur just like regular national payments, eliminating the difference between cross-border payments and domestic ones. These payments are reliable, efficient, and secure, and the legal framework they are based on comes from the European Central Bank. Transactions are nearly instantaneous and can be relied on around the clock. The system consists of 36 countries in total, and any two parties in SEPA can order transactions to one another.
Which countries are included in SEPA?
The Single European Payment Area consists of the following jurisdictions: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Republic of Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovenia, Slovakia, Spain and Sweden, the 3 EEA countries of Norway, Liechtenstein, Iceland. Switzerland, Great Britain, Andorra, Monaco, San Marino, and the Vatican City State complete the list.
Still got questions?
Drop us a line and we’ll get back to you as soon as possible.
Take Control Of Your Money
Changex’s non-custodial wallet provides you with a fiat-crypto on-ramp, an ever-growing list of assets, and passive income like never before. Your keys, your crypto - always.