Have been using the app since 2019 and been highly satisfied. Simple and enjoyable UX, I have all the features I need for my more passive investing needs - many assets both crypto and traditional,... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
Initially it was a good app, but later they started taking funds from our wallets masking it as a inactivity "service fee". No warning, nothing. I lost 150 Euro to these thieves. If you dont have fi... See more
Company replied
Awful app, 20eur monthly inactivity fee, almost impossible to make transactions as wallet verification process is consistently bugged or unavailable, customer support is non-existent or AI, I waited 2... See more
Company replied
I have yet to try such an easy app as Change to investing. Fast deposits, reasonable pricing, perfect for BTC trading. I like that they added more instruments recently, so now more options to trade CF... See more
Company replied
Company details
Written by the company
Seamless investing, fully MiCA-regulated, and unbeatable fees. Whether you're a beginner or a pro, Change puts the global markets right in your pocket. You can invest in 140+ cryptocurrencies and ETFs, or trade over 500 CFD instruments - incl. indices, commodities, Forex, and stocks. Experience it all with free, lightning-fast deposits starting from just €10. Become a Changemaker and download the Change app today. Available across the EU at www.changeinvest.com.
Contact info
Westeinde 89, 2211 XS, Noordwijkerhout, Netherlands
- support@changeinvest.com
- changeinvest.com
You should know
2.8
Average
336 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 100% of negative reviews
Typically replies within 1 week
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YOUR MONEY IS IN THEIR CONTROL
YOUR MONEY IS IN THEIR CONTROL
App has sold my funds without my consent and hid behind "passive account fee"
I left my wallet idle without any transactions as i was wating for BTC to increase in value.
when i check my wallet again, i see that a total of 100eur has been deducted from my personal wallet.
this is unacceptable regardless if you state that the "terms have changed"
29 October 2024
Unprompted review
Reply from Change
Dear Andrew Zarb,
Thank you for your feedback. We understand your concerns about the passive account fees. These fees were communicated clearly and transparently over a year ago, with all our clients receiving a 30-day advance notification about these changes. Like other financial institutions, we periodically update our fees to maintain the highest levels of security and to comply with our European licences. In addition to updating our T&Cs, we have also communicated these changes via 4 emails, socials and our website.
Regularly reviewing your finances can help avoid any surprises. If you have not received any emails or there is anything else we can help you with, please don't hesitate to contact us at support@changeinvest.com.
Kind regards,
Change
They have started applying Passive…
They have started applying Passive account fee if you do nothing with your bought crypto, this is illegal and unethical, left me and a lot of people with no money. This is not fair, I thought before this was great app but of course they just want to earn more themselves.
27 October 2024
Unprompted review
Reply from Change
Dear Gabija Visockyte,
Thank you for reaching out with your concerns regarding the passive account fee. Like all financial institutions, Change periodically reviews its fee structures. Our most recent update, implemented over a year ago, followed many years without changes. Maintaining the highest security standards and managing our licenses comes with costs - however, we have ensured that this passive fee can be easily avoided by almost any activity (deposit, buy, sell, staking, etc.) at least once every 90 days.
We communicated these updates through multiple notifications via email, our website, and social media. While we regret any inconvenience caused, please rest assured that Change is dedicated to prioritising security and providing what we believe to be the safest platform available.
Kind regards,
Change
Untrustworthy company
Terms and conditions changed without asking for consent. This company sold assets that I held without my consent. This company took fees for ‘passive account’ keeping without confirming with the customer if they were aware. Many exchanges with customer service but it was like talking to AI. As an investment company, a passive account service fee is unacceptable. Hundreds of euro lost. Wouldn’t recommend dealing with them unless you want to lose money.
20 April 2024
Unprompted review
Reply from Change
Dear Matthew,
Thank you for your feedback. We'd like to clarify a few points.
Our fee structure has been in place for over a year and is publicly available on our website (https://www.changeinvest.com/pricing). We're committed to full transparency regarding our fees. Furthermore, we always notify clients of any changes at least 30 days in advance, providing ample time for review and any necessary action.
It’s important to note that inactivity fees can be easily avoided by almost any activity within the app, such as buying, selling, staking, or making a simple deposit at least once every 90 days. We also want to reassure you that our customer support team is made up of real people dedicated to helping our customers, and we don't use AI.
If you registered with us before September 2023, please do not hesitate to contact us at support@changeinvest.com. We can quickly and easily verify whether you received any of the emails we sent.
Thank you for your understanding.
Best regards,
Change
What the hell: passive account fees
What the hell are passive account maintenance fees??? 20€ are they crazy!!
This is insane I'm a long term holder I don't go into my account much and they have charged me every month without my consent!
This is the worst app experience I have ever had.
They took 100€ just like that and don't have the courtesy to contact their customers that something is happening each month?? I can't believe how they have screwed people like that. What an absolute disgrace to get treated like that. I was using their app since 2021.
Edit: I also never received an invoice for any of the charges. Sounds illegal to me
12 September 2024
Unprompted review
Reply from Change
Dear Lars,
We apologise for the frustration this has caused.
To clarify, passive account maintenance fees apply to inactive accounts, as outlined in our T&Cs, which have remained unchanged for over a year. We've endeavoured to keep customers informed by sending multiple emails (18. 8. 2023 - 30 days before changes take effect, 18. 9. 2023, 5. 10. 2023 and 17. 1. 2024), including reminders to those entering passive status, and providing notice of upcoming fees. We've also kept our website up to date and used social platforms to communicate these changes. While we're committed to transparency, please understand that it can be challenging to continually remind customers of long-standing policies. Our efforts have gone well beyond legal requirements and market standards.
If you haven't received these communications, please let us know and we'll be happy to check for you.
Kind regards,
Change
Awful service with high fees and unempathetic customer service.
Terrible service with high passive account fees and very unhelpful customer service. 4 years of trading wasted for their incompetence who weren't able to understand a clarification. At the end a waste of effort, money and time. I ended with less money than the actual crypto prices. Although the app seemed to work well technically, the customer service and their T&C are terrible and unable to understand. Finger weg!
10 September 2024
Unprompted review
Reply from Change
Dear Alejandro Mayorga,
We're truly sorry to hear about your experience.
We'd like to take a closer look at your case to better understand where the misunderstanding may have occurred. Our customer support usually receives positive feedback, so we'd like to know exactly what went wrong in your situation. Could you please provide more details or point out any sections of the T&Cs that were unclear? We would be happy to clarify them or consider revising the wording if necessary.
We'd also like to mention that we have NO FEES for closing an account. We take your feedback seriously and are here to help.
Best regards,
Change
Enjoy your highway to bankruptcy, dear ChangeDivest team!!:)
This is their reply to a Google Play negative review from one of their earliest investors. I think It Is autoexplanatory in itself to show now disrespectful they are towards their very own customers/investors. Enjoy your highway to bankruptcy, dear ChangeDivest team!!!!XD
"Dear Tommaso Rossi,
There’s no need to edit a comment from 2019 to get more information. It seems that you were banned from the Telegram group due to a rule violation. The rest of our community didn't face communication problems. Please contact our customer support, and we'll be happy to provide you with the relevant links.
Kind regards,
Change"
2 September 2024
Unprompted review
Reply from Change
Dear Tommaso Rossi,
We apologise for any miscommunication, but could you please clarify what exactly you found disrespectful in the response? We truly value our early investors, many of whom are still with us today. We have kept them properly informed, with not only posts made on our website that are still available there.
For example:
https://www.changeinvest.com/blog/investor-update-getting-ready-for-cng-conversion
“If you’re a CNG holder, it’s important to read the terms carefully. We will list out here some of the more important changes. You have 30 days to read and understand the terms. If there’s something you don’t agree with, you can contact our support by the 15th of January 2021. After that, you will have accepted the new terms.”
From your review left on Trustpilot on 9 November 2021, it was clear that the main reason was, and I quote: “I don’t have time to follow the development of each project I invest in daily,…”.
Unfortunately, due to the 350-character limit on Google Play, we could only give a short answer. As far as Telegram is concerned, no one has ever been banned for no reason. As we said, if there's anything else we can help you with, please don't hesitate to contact us at support@changeinvest.com.
Kind regards,
Change
Happy user since 2020
Happy user since 2020, and yes, I do read my email :)
I actually feel bad for all the 1-star ratings which seem to be 100% from people who don't follow their emails. The bad experience is due to not making note of the clearly communicated change in terms of service (no, this review was not solicited nor is it paid for, I'm writing this because I feel upset from reading all the poor reviews). I made note of their notification on the day it arrived and immediately went to check my status on the app. Next, I notified my sons who are also users of the service. I really place the responsibility to follow your messages on the user, what else could they do, seriously??
Sure, the account setup was a bit clunky due to requirement of initial deposit being made through bank payment (a requirement which I totally understand, by the way), but other than that, it's such an easy and intuitive UI, customer service has always bent over backwards to clear my issues, they are very adaptable (some improvement proposals I've made were implemented on some of their updates), and deposits/withdrawals are super fast even to another country. All the bitter reviews here, although I understand where they stem from, are so unwarranted.
For any long term investment purposes, I highly recommend Change Invest. Just keep taps on your account every three months (you should monitor your investments more frequently anyways!!) and you're good 👍
15 August 2024
Unprompted review
Reply from Change
Dear Antii Kivikero,
We appreciate your words, they mean a lot to us. 🙏 We can't express how sad we are that the current rating of our platform is far from reflecting its quality, but is mainly related to inactivity fees. We understand that any fees are probably nothing to celebrate, but every financial institution changes their T&Cs from time to time.
Our conscience is clear, we did our best to keep our customers well informed and went above and beyond the legal requirements many times over. I wish all our customers were as attentive and aware as you are. Have a great day and if you need anything, please contact us.
Kind regards,
Change 🖤
I wonder if after they start honoring…
I wonder if after they start honoring the fee of 20 euros and I will be left with 0, if they will still ask me to pay something more.
1 January 2024
Unprompted review
Reply from Change
Dear Goldenberg,
Your account can never go negative. If you have nothing in your account, passive account fees do not apply to you. If you have any further questions, please feel free to contact our amazing customer support team at support@changeinvest.com who will be happy to answer any questions you may have.
Best regards,
Change
They left me without my money
They left me without my money with their onesided change of therms, they introduced a passive account fee, with that, silently withdrawed my 140-150€... Its unethical, if not even illegal, we didnt even accepted theese terms. They sent us some mails ("like 4", as they replied me on google feedbacks), just in the last one was highlighted "nice in the title" this fee. I think you got a lot of money from a lot of unactive hodlers, unfortunately it will eventually bankrupt you, if this is not already a target...
19 September 2023
Unprompted review
Reply from Change
Dear Cshoobi,
Thank you for sharing your feedback here as well.
We understand your concerns regarding the introduction of the inactivity fee and its impact on your account. We provided you with a 30-day period during which you had the option to close your account if you did not agree to the new T&Cs. By continuing to use our service after receiving this notification from 18. 8. 2023 (reminder 18. 9. 2023), you effectively accepted the updated terms, which became effective from 19. 9. 2023.
Yes. We sent out "like 4" emails (including the ONE titled "Passive Account Maintenance Fee" but NOT ONLY ONE about this fee) to inform all our customers about changes to our T&Cs, as well as the introduction of the inactivity fee. We also updated our website and posted about these changes on social media. Our goal was to be as transparent as possible and ensure that all customers were informed well in advance. Every financial institution changes its pricing from time to time and we didn't change ours for a long time.
If you feel that you were not adequately informed, we apologise and would be happy to help you resolve this matter. Please contact our customer support who can verify if and when you received any of the emails mentioned.
Best regards,
Change
Stay away from these thieves
Suprisingly they have now added a "passive account fee" which is 20 euros per month. 20 god damn euros? How do other platforms handle theirs for maximum 5 euros per month? What exactly makes you think you are worth 20 euros every month?
You have STOLEN 200 euros form me. From now on, I consider your company dishonest and I will do my best to spread the word and advise my friends to stay away from this company.
You are an absolute disgrace.
30 June 2024
Unprompted review
Reply from Change
Dear MJ R,
We're sorry to hear this and, frankly, it's painful to read your feedback. 😔 We understand that the introduction of the 'passive account fee' was surprising and frustrating for some of our customers.
We communicated these changes 30 days in advance through a series of emails to ensure that all of our customers were informed. This fee can be avoided by depositing, staking or trading at least once every 90 days. Our fee structure is designed to support the services and security we provide, and while we understand that other platforms may have different fee structures, we believe our fees reflect the value and quality of our offering. There is no safer place to be in the crypto world.
We apologise for any inconvenience this may have caused. If you are really sure that you didn't receive any communication, please email us at support@changeinvest.com and we'll check it.
Kind regards,
Change
They have Passive Account
They have Passive Account
Maintenance Fee 20 euro just lost 40 euro
5 June 2024
Unprompted review
Reply from Change
Dear Andres,
We've had passive account fees for almost a year now. We have communicated the changes countless times through all of our communication channels. We regret that none of these messages have reached you, but compared to other financial institutions we have gone well beyond the legal requirements.
If we can be of further assistance, please do not hesitate to contact us at support@changeinvest.com.
Kind regards,
Change
You sent emails advising that you had…
You sent emails advising that you had updated your t&cs but in none of these emails did you indicate that a €20 inactivity fee had been added.
Such a drastic change should have been better publicized and instead you played on the fact that few go to see what exactly has changed and to discover this inactivity fee you had to go and discover it among the dozens of pages of your t&c.
You have been very dishonest.
A change of this type had to be indicated in the email and accepted by users.
Following your response which gives me the list of notices you sent via email, the fact remains that such a change had to be approved by customers. In your emails the amount of the tax was not specified, perhaps because you knew it was more like a robbery than a tax?
It was enough to block the account until the customer approved it by giving a time limit after which if the customer approved the tax it could be applied and if he did not approve the account would be closed and the balance refunded to the customer and instead you preferred to suck money like the mosquitoes.
The drop in your Trustpilot score shows that what you did was considered dishonest and probably a sign of failure to come.
31 May 2024
Unprompted review
Reply from Change
Dear Angela,
Thank you for your feedback and we are very sorry about the situation.
However, we would like to set the record straight.
Before the fees came into effect, you received the following emails:
"Changes to fees
As part of our commitment to offering you the best possible service, we have adjusted our fee structure to reflect the current market conditions and the costs associated with providing our enhanced product lineup and services."
@ 18. 8. 2023
"Among changes in deposit and withdrawal thresholds, we introduced the passive account fee. This fee doesn't ask for much - for example, if during 90 days, you stake just one crypto (this is a free action in the app) for one day and get one reward, the fee isn't applied. Also, if you dollar-cost-averaged into bitcoin with any investment amount once every three months, the fee doesn't apply."
@ 18. 9. 2023
You then received few other emails, including: "Passive Account Maintenance Fee reminder" with text "We would like to kindly remind you that a Passive Account Maintenance Fee may soon be applied to your account. The fee is charged on the 19th calendar day of each month if you have been inactive 90 days prior to that."
@ 17. 1. 2024
EDIT 10. 6. 2024:
"We kindly request you to take time and review the updated Terms, which can be accessed here. The changes take effect today, 18th September 2023. By continuing to use our services, you are agreeing to the revised Terms." and there was also a lot of text about why we charge these fees and how you can easily avoid them. Please name one financial institution that freezes client accounts in case of changes to its T&Cs.
We apologise, but we have done our best to communicate these changes. If you think we have not, please contact us at support@changeinvest.com and we will check that you have received the emails.
Kind regards,
Change
Change steals your money through a "Passive Account Maintenance Fee"
If you don't use Change actively, they just take TWENTY EURO each month as a "Passive Account Maintenance Fee". F you, Change. I withdrew all my money, am deleting my account and no, you should definitely not trust them with your money.
7 May 2024
Unprompted review
Reply from Change
Dear Martin,
Hello to you too and thank you for your feedback. We sincerely regret any frustration caused by the passive account maintenance fee and understand your decision to withdraw your funds and close your account.
We'd like to assure you that we actively communicated these changes through more than 4 emails, the last of which was the "Passive Account Maintenance Fee Reminder", as well as updates via Telegram and our website. We've done our best and we haven't been completely silent. Our pricing has changed for the first time in years.
Your feedback is incredibly valuable to us, and we'll continue to strive for greater transparency and clarity in our policies in the future. We sincerely apologise for any inconvenience you've experienced.
If you have any further questions or concerns, please don't hesitate to contact us. Thank you for your understanding and best wishes for the future.
Kind regards,
Change
Clean, sleek and easy to use app for so much more than just crypto trading
I initially set out to find a reliable crypto trading app but stumbled upon Change, and I'm incredibly glad I did. This app offers so much more than just buying and selling Bitcoin—it's a comprehensive investment platform that caters to a wide range of financial goals.
Upon downloading the app, I was immediately impressed by its user-friendly interface. Despite my initial intention to focus solely on crypto, I found myself intrigued by the diverse investment options available in the app.
What truly sets Change apart is its simplicity and accessibility. With just a few taps, I was able to create a well-diversified portfolio tailored to my investment objectives. While I did end up exploring crypto investments through the app, I was pleasantly surprised by the variety of other assets I could invest in. Moreover, I appreciate the transparency and security measures implemented by Change.
In summary, Change has exceeded my expectations and expanded my investment horizons beyond crypto. Whether you're a crypto enthusiast looking to diversify your portfolio or someone entirely new to investing, this app is a fantastic choice. Its user-friendly interface, diverse investment options, and commitment to security make it a standout platform in the investment services space.
15 April 2024
Unprompted review
Reply from Change
Dear Marek,
Thank you so much for your wonderful feedback! We're so happy to hear that you've had such a positive experience with our beloved Change. 🖤
It means a lot to us that you found our app easy to use and were impressed by the range of investment options available. Providing simplicity, accessibility, and transparency is at the heart of everything we do, and we're delighted that you've found these qualities in our platform. 📱
Your satisfaction is our numero uno priority, and we're committed to continually improving and expanding our services to meet the needs of our users. Whether you're exploring crypto investments or diversifying your portfolio with other assets, we're here to support you every step of the way. 👣
Thank you for choosing Change, keep rollin'!
Warm regards,
Change
Thieves
They introduced a fee that specifically targets people that would not know about it.
The only think they did was sending email, which end app in my spam. And as I didn't use the app for a while (waiting for the bull market), I didn't know about the change. Now I logged in to my account and all my crypto is gone.
If this is not illegal, it is at least unethical. If they can't function without stilling assets of they clients, then they shouldn't a company.
8 April 2024
Unprompted review
Reply from Change
Dear Charlie,
We're truly sorry for the distress caused by the changes to our fee structure.
We want to assure you that we have tried to be as much as proactive as possible in communicating these updates. We have sent out emails on several occasions: on 18th August 2023, 18th September 2023, 5th October 2023, and a reminder on 17th January 2024 regarding the Passive Account Maintenance Fee. Additionally, we have also posted numerous updates on our social media channels and provided transparent information about the changes on our website - in the /pricings and blog/FAQ sections.
We understand your frustration that the email may have ended up in your in your spam folder. It's important for us to point out that the passive account fee can be easily avoided by staking any crypto, making a single trade or depositing fiat or crypto within 90 days.
We would like to emphasise that our main intention was to provide transparency and clarity in our fee structure. We take ethical practices seriously and strive to act with integrity in all that we do.
We deeply regret any misunderstanding or inconvenience caused. If there's anything we can do, please don't hesitate to contact us - support@changeinvest.com.
Kind regards,
Change
Intuitive, sleek and fast
The app is intuitive, sleek, and fast. Although initially, the app had a very limited selection of crypto-assets, it has since expanded signigicantly. What’s even better is that it continues to expand its offerings.
8 April 2024
Unprompted review
Reply from Change
Dear Janar,
Thank you so much for your positive feedback! We're really, really, really happy that you think our app is great. And guess what? You are absolutely right! We're constantly striving to improve the user experience and add new features.
Your satisfaction and is our TOP priority 🌋, and we're committed to providing a diverse selection of cryptoassets and continually forging our platform. If you have any further suggestions or feedback, please feel free to share - support@changeinvest.com. We're listening!
Happy Bullrun!
Best regards,
Change
The app is easy to use and…
The app is easy to use and EU-regulated.
You can earn passive income from crypto staking (which also prevents any inactivity fee being applied).
8 April 2024
Unprompted review
Reply from Change
Dear Märt,
Thanks for your kind words! It's great to hear that you find our app easy to use and appreciate that we're EU regulated. We're from 🇪🇪 Estonia 🇪🇪 with 2 EU licences, we're not from Cyprus or the Cayman Islands. PoR, Grant Thornton audits, annual reports, ready on MiCA and much more. Safety first, always! 🔥
It's fantastic that you're taking advantage of our crypto staking feature to earn passive income while also avoiding any inactivity fees. How easy is that, isn't it? We're committed to providing our users with valuable opportunities to safely grow their investments.
If you have anything else on your mind, please don't hesitate to contact us. We're here and we're listening!
Take care!
Change
Scammers..
This Scammers stole all my crypto and money. Do not use it! Change support did nothing.
1 April 2024
Unprompted review
Reply from Change
Dear Adam,
We're very sorry to hear that, and we understand the frustration that comes with feeling that your trust has been betrayed. Unfortunately, we did our best - we sent several emails and reminders and communicated through our socials and website - we changed our pricing for the first time after ages!
However, we understand that communication can sometimes be overlooked or missed, and we sincerely apologise for any inconvenience this may have caused. We value your feedback and are committed to improving our communication channels.
We would also like to take this opportunity to emphasise that the security of our clients' assets is of paramount importance to us. However, it's important to note that maintaining the highest standards of safety and security comes at a cost, and as such, certain services can not be entirely free.
To our active clients, we strive to offer the best value for security/price and fees in the industry. We are committed to providing exceptional value while maintaining the highest standards of security.
If you haven't received emails from 18. 8. 2023 and/or 18. 9. 2023 regarding changes to our T&C and fees, please don't hesitate to contact us directly - support@changeinvest.com.
Best regards,
Change
passive account fee
The passive account fee is something that looks like a simple cheating.
26 March 2024
Unprompted review
Reply from Change
Dear Lera,
Thank you for sharing your feelings about the passive account fee.
We understand your perspective, but we assure you that the passive account fee is not intended as a form of "cheating". It's designed as part of our fee structure to support the costs associated with providing a safe and secure investing experience.
We have communicated information about this fee through numerous emails, our website, and social media channels to ensure transparency. Our goal is to provide clear and timely information to all our users.
If you have any further questions or need clarification about the fee, please don't hesitate to reach out to our support team. We're here to help.
Thank you for your understanding.
Kind regards,
Change
I really like the app
I really like the app. It is very simple and easy to use. I have never had any problem with the app and as I am staking my assets, the passive account fees were not charged. It is pretty user-friendly and I would definitely recommend it!
26 March 2024
Unprompted review
Reply from Change
Dear Alina,
Thank you so much for your positive feedback! It's great to hear that you're enjoying our app, that you haven't had any problems and that staking your crypto has helped you avoid passive account fees - how is it easy, right?
Providing safe, affordable and user-friendly investing experience is our top priority! If you ever have any questions or feedback, please don't hesitate to reach out to us. We're here for you. 🫂
Thank you for your support, and happy trading!
Best regards,
Change
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