This card has been discontinued. The page is kept for reference.
Change Card
by Change
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- No
Our verdict
Change Invest pairs a crypto debit card with its investment platform. The Estonian company issues a Visa card with crypto spending and concentrates on the European market in euros.
What we like
- +Works with the investment platform
- +Regulated in Estonia
- +No monthly fee on the basic tier
- +Apple Pay and Google Pay supported
- +Real-time notifications
Watch out for
- −Full KYC required
- −EU only
- −Spending limited to EUR
- −Smaller than the major players
6.8/10
Editor score
Fair
Lv 3
KYC Level
ID verification
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- None
- Cashback Crypto
- None
- Staking Rewards
- Staking APR
- 6%
- Welcome Bonus
- None
- Referral Bonus
- None
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- Not listed
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- Not listed
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- $15,000
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- No
- Google Pay
- No
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
7.3/10
Sourced from
Customer support is the standout, with users naming individual agents for outstanding, very fast live chat, which is rare in crypto fintech. The app is praised for simplicity and instant SEPA transfers, making it a popular starting point for EU beginners. The fee picture is more complicated than advertised: 0% commission on Bitcoin conceals a market spread near 1%, and a €10 to €20 monthly inactivity fee after just 90 days of no activity drew strong backlash on Trustpilot and Reddit. KYC is smooth for most EEA residents, but periodic re-verification can freeze accounts for days. There was little organic feedback on the card itself, as it appears discontinued on the live site, and Trustpilot users say they miss it while the company hints it may return.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum, Solana, Polygon
Similar cards
Frequently asked questions
Does the Change Card require KYC?
Yes. Change asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Change Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Change Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Change Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the Change Card support?
BTC, ETH, SOL, XRP, ADA, DOGE, DOT, MATIC, AVAX, LINK, ATOM.
Last updated October 8, 2026, verified August 6, 2026. Issuer of this card? Get your rating badge.