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CChange Card logo

Change Card

最近更新:2026/09/17

Change Card 曾是 Change 面向欧洲用户提供的 Visa 加密支付卡,可连接 Change 账户,将账户中的欧元及加密资产转换后用于日常 Visa 商户消费,并曾提供虚拟卡、实体卡及现金提取等支付场景。该卡已停止作为当前产品提供;截至 2025 年 7 月,Change 官方已明确将其描述为过去的产品,并表示仅在探索未来推出类似服务。

提交使用反馈
发卡网络
产品类型
加密借记卡
卡片形态
虚拟卡+实体卡
运营状态
已停止
KYC 级别
完整 KYC
商业关系
无商业关系
风险分数
50-59
支持资产
BTCETHSOLXRPADADOGEAVAXDOTLINKMATICATOMEUR
最近更新
2026/09/17

官方与公司信息

发行方与公司资质概览

已验证crypto exchangeVisa Card

Change 是一个多资产交易平台,提供超过 90 种加密货币的现货交易,以及 400 多种股票、外汇、指数和商品差价合约(CFDs)的投资服务。该平台以简便的移动端操作为核心,支持法币(欧元)入金及交易,并持有荷兰金融市场管理局(AFM)的监管牌照,同时遵循 MiCAR 监管框架,是一家受监管的金融科技服务商。

公司 / 发行方
change(Change Card)
法律名称
change Securities B.V.
注册地区
荷兰(NL)
总部
荷兰
公司类型
crypto exchange
核验状态
已验证
发行方官网
官方链接
办卡入口
办卡链接

卡片概览

Change 于 2019 年推出 Visa 支付卡,将投资和加密资产账户延伸至日常消费领域。历史版本允许用户将数字资产兑换为可用于卡片付款的欧元余额,并曾提供虚拟卡、实体卡、线上消费、线下 Visa 商户以及 ATM 等功能;2024 年公司还曾规划 Crypto Card Cashback。此后卡片业务退出。2025 年 7 月 31 日,Change 在公开回复中确认用户怀念的 Change Card 已成为过去,并表示仅在探索未来推出类似产品。进入 2026 年后,Change 新版官网、帮助中心和现行法律文件均不再列出支付卡服务,当前平台业务重点已转为投资、交易和数字资产账户。

Visa 卡体验地区可用性权益条款变化
i

提示:Change Card 已停止发行,当前官网的已不再提供 Change Card 申请或发卡入口。

使用规模与趋势

这张卡片暂时没有可展示的使用规模数据。数据补充后会在这里显示。

卡片形态与费用差异

比较不同卡片形态与等级的真实费用记录

Change Card
卡片类型虚拟卡+实体卡
费用
月费
0 EUR

正常运营时期没有卡片月费

开卡费
5 EUR

实体 Change Card 价格为 €5

ATM 取现费
1.1 EUR

欧洲欧元取款 €1.10/笔;欧洲非欧元取款 €1.10 + 1% 欧洲以外外币取款 €1.75 + 1.5%

货币转换费
0 EUR

欧元消费 €0 欧洲非欧元消费 €0.50 + 1% 欧洲以外外币消费按 1.5% +汇兑成本

充值费
免费
交易失败费—
奖励
返现
1%

历史 Change Card 使用加密货币支付时获得 1%

加密货币返现
1%

返还消费额的 1%

质押奖励
0%

属于 Change Invest 平台功能,非卡专属

质押年利率
6%

最高 6% APY,视资产而定

欢迎奖金—
推荐奖金
0 USD

当前有邀请好友入口,但没有公开固定奖励金额

限制
每日支出限额
8,000 EUR

历史资料中的 €8,000 不是日消费限额

每月支出限额—
ATM 取款限额
250 EUR

每日最多取现等值 €250

卡片网络

费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。

地区和语言支持

以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。

可申请地区

支持申请或可正常开卡使用

1条

🌐当前无开放地区NO_OPEN
证据来源
官方支持
更新时间
2026/09/17

不支持或受限地区

不支持或受限开户/功能

1条

🌐全球GLOBAL
证据来源
官方限制
更新时间
2026/09/17

未确认地区

资料不足,状态待确认

0条

暂无记录

我们正在持续更新中

证据来源
已确认
更新时间
2026/09/17

中国大陆适用性

1、中国大陆:中国大陆居民不可申请,当前也没有可供既有或新用户使用的 Change Card 发卡服务;现有 Change 投资账户不等同于支付卡。

2、香港:中国香港居民不可申请,Change Card 已退出当前产品体系;官网现行服务中没有可在香港使用的新发行 Change 支付卡。

3、澳门:中国澳门居民不可申请,Change Card 已停止作为当前支付产品提供,因此没有面向澳门居民开放的申请或现行卡片服务。

4、台湾:中国台湾居民不可申请,Change Card 当前已经停止提供,现行 Change 账户和交易服务不包含新的 Visa 支付卡功能。

证据来源
公开资料、官方政策、用户反馈
更新时间
2026/08/07

温馨提示:政策可能随时变动,建议以发卡行最新政策为准。

数据更新于 2026/09/17

KYC 要求

开户前需完成身份验证,以下为当前核验要求与限制说明

是否需要 KYC

是

✓需要

KYC 等级

完整 KYC

已通过标准

居住证明

不需要

×不需要

支持证件

护照、身份证、居留许可

审核时间 / 地区限制

自动验证通常数分钟完成,少数资料会进入人工审核并延长至48小时

KYC 服务商

Veriff

更新时间

2026/08/07

支付兼容性

查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i

兼容性概览

共 12 项场景

支持

0项

不支持

12项

数据更新时间

2026/09/17

钱包支付

支付宝

×不支持

更新时间  2026/09/17

钱包支付

Apple Pay

×不支持

更新时间  2026/08/07

现金服务

ATM 取现

×不支持

更新时间  2026/09/17

AI 工具

ChatGPT

×不支持

更新时间  2026/07/09

AI 工具

Claude

×不支持

更新时间  2026/07/09

钱包支付

Google Pay

×不支持

更新时间  2026/07/09

AI 工具

Midjourney

×不支持

更新时间  2026/07/09

线下支付

线下刷卡

×不支持

更新时间  2026/07/09

线上购物

线上购物

×不支持

更新时间  2026/07/09

钱包支付

PayPal

×不支持

更新时间  2026/07/09

订阅服务

订阅支付

×不支持

更新时间  2026/07/09

钱包支付

微信支付

×不支持

更新时间  2026/08/07

深度评测

查看这张卡片的编辑评测、结论和最近更新时间。

暂无深度评测

这张卡片暂未发布评测;发布后会显示在这里。

最近变化

经核实并发布的卡片变化记录,按发生时间排列。

暂无已确认的变化

该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。

用户评论

219

展示最新 10 条已批准入库、并已匹配当前卡片的评论

最新优先
SabinaTrustpilot已审核入库第三方评价★ 3 / 5
原文

Spokojenost se zákaznickou podporou- p. Vašek

S aplikací Change jsem byla celkově spokojená a její používání mi vyhovovalo. Co mi ale vadí, je poměrně vysoký poplatek za pasivní vedení účtu. Krypto jsem si chtěla pouze dlouhodobě držet a neaktivně s ním neobchodovat, takže mi tento poplatek přijde jako nevýhoda. Při výběru krypta jsem navíc narazila na komplikace, se kterými jsem si sama nevěděla rady. Tady bych ale chtěla opravdu vyzdvihnout zákaznickou podporu, konkrétně pana Vaška. Velmi ochotně mi pomohl a přesně mi poradil, jak postupovat, abych mohla své krypto vybrat a zároveň o něj nepřišla. Velmi oceňuji také jeho osobní přístup – když ode mě týden nedostal zpětnou vazbu, sám se připomněl a zeptal se, jestli se mi výběr podařil. To mi přišlo opravdu nadstandardní. Komunikace pana Vaška byla po celou dobu perfektní – rychlá, ochotná, srozumitelná a především lidská. Za jeho pomoc a přístup jsem mu opravdu moc vděčná. Celkově tedy mám s Change dobrou zkušenost, jen bych uvítala nižší poplatek za pasivní vedení účtu. Zákaznická podpora v čele s panem Vaškem pro mě ale byla jednoznačně velkým plusem.

Matthu KruzGoogle Play自动审核入库第三方评价★ 1 / 5
原文

liers, withdrawals take very long time. they lied about faster future withdrawals but still takes hours. hidden fees - 20 euro per month. overall it was better years ago, now its the worst exchange you could use. AVOID AT ALL COST!!!!

官方回复

Hey Matthu, We're sorry you feel this way. Withdrawals are instant once the required MiCA wallet verification is completed. It can take a few hours in some cases, especially for larger withdrawals requiring manual review. And the €20 monthly, definitely not hidden, inactivity fee is history - we've removed it entirely. Best regards, Change

RayBartTrustpilot已审核入库第三方评价★ 1 / 5
原文

I am extremely angry at Change Invest

Avoid like the plague! I bought cryptos on their platform, at the time some cryptos like ChainLINK could not be exported from their platform so I exported what could be exported to external wallets and keep the unmovable ones on their platform, with the purpose of riding the low and quiet times, waiting for prices to raise again to start trading again. BIG MISTAKE! Then these pirates at Change Invest changed their Terms and Conditions through the back door, no warnings, buried and hidden between pages of legalese they justified themselves the right to start sell my -low valued- LINK at the tune of €20 month. So they sold my LINK at the worst possible time, when prices were down. Before they could sell it all I found out by accident what piracy they were doing, immediately I sold all LINK to BTC to be able to export my assets from Change Invest. I lost a fair amount of at the time extremely low valued LINK. I vow to never ever use this platform again, and warn everybody about them! The cherry on top: After that they contacted me and demanded from me that I have to give them detail explanations what I had done with the cryptos I bought on their platform, no privacy. No other crypto platform has ever asked me that. It is nobody's business what I do with my crypto funds. Another reason to avoid this platform. Update: to their reply "all customers were informed multiple times, including reminders before the fees were applied". They send out only generic emails that they are 'updating their T&C' and a link, that was it, nothing more. No big or visible warning. Deeply hidden in the long legalese text was their new predatory fee implementation. Almost nobody read that, see all the other one- and two-star reviews here. They never apologized nor made amends and to this day keep up the fiction that they informed their customers.

官方回复

Dear RayBart, Thank you for your feedback. We're genuinely sorry that you had such a negative experience with us. The inactivity fees you're referring to are a thing of the past - we NO LONGER have them. They were also never hidden or introduced "through the back door"... all customers were informed multiple times, including reminders before the fees were applied, and the fees were publicly available on our website from day one. Things have also changed since then. Today, all cryptocurrencies available on Change can be withdrawn to external wallets. As for the compliance checks, these are part of the stricter requirements introduced by MiCA. We only request information that is actually required by regulation. Crypto is no longer an anonymous environment, and that's an important reality for everyone in the space to understand. We understand that your experience left a bad impression, but we hope this clarifies how things work at Change today. EDIT: We understand that you feel the communication around the former inactivity fee was not clear enough, and we're sorry that this was your experience. However, we don't think it’s fair to say that customers were simply left unaware of the change. The fee was announced in advance, included in the updated T&Cs, published on our website, and reminders were sent before it was charged. That said, we also recognise that communicating changes to fees could have been much more prominent. We've learned from that experience, and importantly, the inactivity fee has now been completely removed. Kind regards, Change

Kristjan AbelTrustpilot已审核入库第三方评价★ 1 / 5
原文

Awful app

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 hours to get human assistant without any answer and then some AI apology :D. Just a terrible product, stay away.

官方回复

Hey Kristjan, Thanks for the feedback. We're sorry you had such a frustrating experience. Just to clarify a few points, the €20 monthly inactivity fee will be discontinued from next month as part of our move towards Change 2.0, which brings improvements to the app, fee structure and overall user experience. Wallet verification is required under MiCA and the Travel Rule and is handled by a licensed third party provider used by many European platforms. It is not a proprietary Change product. We are also aware that the verification process can occasionally be frustrating and we are working with our partner to improve the experience. As for support, we are available 20/5 and the average ticket resolution time is around one hour. AI is used for general queries and is clearly identified as such. If you need a human agent, you can simply ask to be transferred. We are sorry you had to wait and we would be happy to look into the specific issue you experienced if you send us your ticket number. Kind regards, Change

digitalnatureTrustpilot已审核入库第三方评价★ 1 / 5
原文

Stealing your funds

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 fiat, they will sell your crypto automatically! Edit: leaving aside the fact that charging 'inactivity fee' of 50 euro is at least shady, sending some random email saying that you are updating your 100-page long T&C is not the same thing as clearly notifying your customers that you will take their funds from their account!

官方回复

Hey Digitalnature, We're sorry that you feel this way, but we are certainly not stealing anyone's funds. In fact, our platform has significantly evolved since then and is now more secure and trustworthy than ever before. The inactivity fee was introduced back in 2023, and all clients were informed about it multiple times via email. The fact that our platform has continued operating normally ever since also shows that this was never a hidden or sudden change. If you would like to know exactly when and how you were informed about the fee, please contact us at support@changeinvest.com and we'll gladly look up the communication for you. Kind regards, Change

Klara DrhovaTrustpilot已审核入库第三方评价★ 1 / 5
原文

My honest advice to anyone…

My honest advice to anyone considering to create an account on ChangeInvest: RUN AWAY!!! This is the worst company related to finance/investing I ever hit! We bought crypto back in 2021 - SOL, DOT, ADA. It was not possible to withdraw any of these, so we kept them on ChangeInvest (even though there were promises that in the future it would be possible). That was a huge, huge mistake! In 2023 or so they introduced "Passive Account Maintenance Fee" and sold all our crypto we had there - charging 20 EUR MONTHLY!!! All our crypto is gone now, they stole everything!!! I hope they will go bankrupt to stop stealing from people!!! Never had such a bad experience elsewhere!

官方回复

Dear Klára, We’re sorry to hear about your experience, but we must point out that all our clients were informed about these changes and fees multiple times in advance through email communication and other official channels. As you mentioned, the passive account maintenance fee was introduced in 2023, and notifications regarding this policy were sent repeatedly before any fees were charged. Even today, we continue informing users about these fees, which goes significantly beyond our legal obligations. Monitoring investments and account-related communication on an ongoing basis is an important part of using any investment platform. Regarding crypto withdrawals, support for additional withdrawal networks remains on our roadmap, but it has not been a major priority, as only a very small number of clients have requested this feature. We understand your frustration, but we made every effort to communicate these changes transparently and well in advance. Nothing related to these fees or conditions was introduced without prior notice to our clients. Kind regards, Change

Henry KaertTrustpilot已审核入库第三方评价★ 5 / 5
原文

Kunagi oli võimalik kasutada ka arvutis…

Kunagi oli võimalik kasutada ka arvutis browser varianti kas ja millal on see jälle võimalik või kas seda ei tule enam ja kui ei siis miks?

medikkTrustpilot已审核入库第三方评价★ 5 / 5
原文

Forgotten login

I appreciate so much support and quick answears from Mr. Vašek. With his guide i was able to quickly change my forgotten e-mail, password and other setup in aplication, so Im trihlled to start buying the dip on crypto market. HODL 💪🏻

JOSE MANUEL CASTAÑOTrustpilot已审核入库第三方评价★ 5 / 5
原文

La atencion al cliente es muy buena…

La atencion al cliente es muy buena rapida y con todas las explicaciones Seguid así felicidades.

Melissa SeppTrustpilot已审核入库第三方评价★ 1 / 5
原文

All the 5 star reviews must be fake

All the 5 star reviews must be fake. They are snake businessmen, unethcical, stay away. They steal your money with absurd hidden fees and are using false advertisement. They send me ONE email about changing their T&C, even though they claimed they sent 6... An then completely emptied my account by selling my crypto that I was holding. Awful people, I really hope this business will go down soon and all the people in the management will get what they deserve.

官方回复

Dear Melissa, Thank you for sharing your thoughts. We noticed this is actually your second negative comment, the previous one being in 2024 about the same thing, and we appreciate you taking the time to share your perspective again. First of all, we don't use any misleading advertising, and all fees on our platform have been fully visible on our website since day one. If you believe there's been something off, we'd love for you to point it out so we can understand better. We also make sure users are properly informed about any changes to our T&Cs. The people who initially implemented certain fees are no longer with us, and since this year, we have a completely new team and management. We continue to communicate inactivity fees openly, and your concerns will certainly be passed along. You can also check the accounts that left reviews yourself – the feedback is entirely organic, so the same applies to both positive and negative reviews like yours. We truly wish you happy holidays and all the best for the year ahead. Warm regards, Change

风险因素

更新时间:2026/08/07

暂无风险因素

常见问题

以下回答整理自本页已发布的卡片记录。

Change Card 需要 KYC 吗?

我们记录的 Change Card 认证要求为:完整 KYC。证件和审核细节见本页「KYC 要求」。

Change Card 支持 Apple Pay 和 Google Pay 吗?

Apple Pay:不支持;Google Pay:不支持。

Change Card 可以用哪些币种充值?

我们记录到 Change Card 支持:BTC、ETH、SOL、XRP、ADA、DOGE、AVAX和DOT 等 12 种。

Change Card 是虚拟卡还是实体卡?

Change Card 提供:虚拟卡+实体卡。

Change Card 在哪些国家和地区可用?

我们记录到 1 个国家或地区可用、1 个受限。逐个国家的状态见本页「地区和语言支持」。

Change Card 由谁发行?

Change Card 由 Change 运营,卡组织为 Visa。