Updated September 28, 2026 · HodlCue Editorial Team
Changelly vs Coinmama
Changelly
Coinmama
Higher score in this comparison
What sets them apart
| Compare | ChangellyReviewSee alternativesSee alternatives | CoinmamaReviewSee alternativesSee alternatives |
|---|---|---|
| Taker fee | 0.25%Lower | 0.99% to 3.9% |
| Coins listed | 32 | from 500 |
| Withdrawal fee | Variable network fee set by the partner exchanges and shown to the user when the transaction is created | No transaction fee on crypto withdrawals |
| Proof of reserves | No | Not confirmed |
Same on both: Fiat deposit methods (Card, Bank, SEPA, Apple pay), Exchange type (Cex).
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Key differences
- Coinmama scores higher overall: 8.9 vs 8.7.
- Taker fee is lower at Changelly: 0.25% vs 0.99% to 3.9%.
Our verdict on each
Changelly
Changelly suits buyers who want to swap coins quickly and keep self-custody, with a taker fee of 0.25% and a coin list of 32. The narrow coin list and the missing proof of reserves make it a weaker fit for long term holders.
Coinmama
Coinmama suits buyers who want card, bank, SEPA and mobile wallet funding with coins delivered to a wallet they control. The catch is the trade rate: taker fees of 0.99% to 3.9% run well above what most of these exchanges charge, so it earns a place for simple fiat buying rather than cost sensitive trading.
Score breakdown
| Area | Changelly | Coinmama |
|---|---|---|
| Cost | 8.7HigherA taker fee of 0.25% sits at the category level of 0.25%, with a network charge on withdrawal on top. | 8.2 |
| Offer | 9.4Coins listed reach 32 against a category level of 60, self-custody is on, and proof of reserves is not. | 9.8Higher |
| Trust | 8.3 | Not confirmed |
How they place
| Ranking | Changelly | Coinmama |
|---|---|---|
| Crypto exchanges | 160 of 297 | 129 of 297 |
| Where to buy crypto | 129 of 177 | 98 of 177 |
Every fact side by side
| Fact | Changelly | Coinmama |
|---|---|---|
| Features | Self custody | Self custody |
| Legal entity | Marella | Not confirmed |
| Founded | 2020 | Not confirmed |
| Support channels | Email, Chat, Help centre, Community | Not confirmed |
Where each stands against the rest
| Fact | Changelly | Coinmama | Median |
|---|---|---|---|
| Taker fee | 0.25%above the median | 0.99% to 3.9%highest quarter | 0.15% |
| Coins listed | 32below the median | from 500highest quarter | 76 |
Median across 219 listed providers.
Pros and cons
Changelly
Pros
- A taker fee of 0.25% sits at the category level of 0.25%
- Self-custody is offered, a feature carried by 13.8% of services in the same category
- Fiat deposits run through card, bank and sepa, covering card and bank transfer alongside a mobile wallet route
Cons
- Proof of reserves is not offered, so there is no published attestation of balances to check
- The coin list of 32 sits under the category level of 60
- Withdrawal costs follow a network charge that moves with the partner exchange, so each send can differ
Coinmama
Pros
- Crypto withdrawals carry no transaction fee, so money leaves the platform without an exit charge.
- Fiat deposits cover card, bank and sepa, so funding does not have to run through a bank only setup.
- A coin list of from 500 coins is broader than the 60 seen in the buy crypto category.
Cons
- Taker fees of 0.99% to 3.9% sit above the 0.2% median across the exchanges on the site.
- The rate is the heaviest of the brands compared, above 0.25% to 1.99% at bunq and 0% at ActivTrades.
- The coin list of from 500 trails Bitpanda's from 650.
Who each suits
Changelly
Who it suits
- Occasional buyers who want to pay by card or bank transfer and then move on
- Coin movers who prefer to hold coins in self-custody rather than on a platform balance
Who should look elsewhere
- Anyone who wants published proof of reserves: Changelly does not offer it, so Bitpanda or bunq are the ones to weigh
- Active traders who need a deeper coin list than 32, where Bitpanda lists from from 650
Coinmama
Who it suits
- New buyers funding an account by card or bank transfer.
- Anyone who wants coins delivered into a wallet they control.
- Buyers who want no transaction fee on crypto withdrawals.
Who should look elsewhere
- Active traders: ActivTrades takes a taker fee of 0% against Coinmama's fees of 0.99% to 3.9%.
- Broader coin lists: Bitpanda's list starts higher, at from 650.
- Cost sensitive buyers: bunq charges taker fees of 0.25% to 1.99%, well below Coinmama's 0.99% to 3.9%.
Current offers
Changelly
Current offer
Bonus
Welcome bonus in the Changelly mobile app
Offered in the Changelly app; no amount published on the page
Source, checked September 26, 2026
Questions about each
Changelly
What does Changelly charge to swap coins?+
The taker fee is 0.25%, close to the category level of 0.25%. Above that, withdrawals add a network charge that moves with the partner exchange, so the full cost of a round trip runs past the headline fee. Fees run 0.25% to 1.99% at bunq for comparison.
Does Changelly publish proof of reserves?+
Proof of reserves is not offered, so there is no published attestation of customer balances to check against. That matters more for anyone holding a balance on the platform for a long stretch, and it is a reason to look at services that do publish the figure. Buying and sending out promptly keeps the exposure short.
Coinmama
What does Coinmama charge for trading?+
Coinmama charges taker fees of 0.99% to 3.9% on trades, which is the cost that matters most here. That sits above the site median of 0.2% and above the 0.25% typical of buy crypto platforms, so anyone trading often pays more than the category norm.
What does it cost to take coins out?+
Crypto withdrawals carry no transaction fee, so the platform adds no charge for moving coins to your own wallet. The expense in a round trip still includes the taker fee of 0.99% to 3.9% paid on the trade, and that is where the real cost sits.
Other options to compare
Changelly
Coinmama