可申請地區
支援申請或可正常開卡使用
挪威NO冰島IS比利時BE愛沙尼亞EE荷蘭NL羅馬尼亞RO芬蘭FI盧森堡LU列支敦斯登LI義大利IT瑞典SE保加利亞BG立陶宛LT克羅埃西亞HR斯洛維尼亞SI馬爾他MT丹麥DK希臘GR德國DE奧地利AT匈牙利HU賽普勒斯CY捷克CZ愛爾蘭IE拉脫維亞LV法國FR斯洛伐克SK西班牙ES葡萄牙PT波蘭PL
- 證據來源
- 官方支援
U 卡資料庫 / Visa / 加密簽帳卡
C
Change Card
更新時間: 2026年8月7日
Change Card 曾是 Change 面向歐洲使用者提供的 Visa 加密支付卡，可連接 Change 帳戶，將帳戶中的歐元及加密資產轉換後用於日常 Visa 商戶消費，並曾提供虛擬卡、實體卡及現金提領等支付情境。該卡已停止作為現行產品提供；截至 2025 年 7 月，Change 官方已明確將其描述為過去的產品，並表示僅在探索未來推出類似服務。
官方與公司資訊
發行方身分與公司資質概覽
Change 是一個多資產交易平台，提供超過 90 種加密貨幣的現貨交易，以及 400 多種股票、外匯、指數和商品差價合約（CFDs）的投資服務。該平台以簡便的行動端操作為核心，支援法幣（歐元）入金及交易，並持有荷蘭金融市場管理局（AFM）的監管牌照，同時遵循 MiCAR 監管框架，是一家受監管的金融科技服務商。
卡片概覽
Change 於 2019 年推出 Visa 支付卡，將投資及加密資產帳戶延伸至日常消費領域。歷史版本允許使用者將數位資產兌換為可用於卡片付款的歐元餘額，並曾提供虛擬卡、實體卡、線上消費、線下 Visa 商家及 ATM 等功能；2024 年公司也曾規劃 Crypto Card Cashback。此後卡片業務退出。2025 年 7 月 31 日，Change 在公開回覆中確認，使用者懷念的 Change Card 已成為過去，並表示僅在探索未來推出類似產品。進入 2026 年後，Change 新版官網、說明中心及現行法律文件均不再列出支付卡服務，目前平台的業務重點已轉為投資、交易及數位資產帳戶。
Visa 卡片體驗地區可用性權益條款可能變動
提示: 目前沒有其他提示。
卡片形態與費用差異
比較不同卡片形態與等級的已核驗費用紀錄
C Change Card | |
|---|---|
| 卡片形態 | 虛擬卡 + 實體卡 |
| 費用 | |
| 月費 | 0 EUR 正常營運期間沒有卡片月費 |
| 開卡費 | 5 EUR 實體 Change Card 價格為 €5 |
| ATM 提款費 | 1.1 EUR 歐洲歐元提款 €1.10/筆；歐洲非歐元提款 €1.10 + 1%
歐洲以外外幣提款 €1.75 + 1.5% |
| 貨幣轉換費 | 0 EUR 歐元消費 €0
歐洲非歐元消費 €0.50 + 1%
歐洲以外外幣消費按 1.5% +匯兌成本 |
| 儲值費 | 免費 |
| 交易失敗費 | — |
| 獎勵 | |
| 現金回饋 | 1% 歷史 Change Card 使用加密貨幣付款時獲得 1% |
| 加密貨幣回饋 | 1% 回饋消費額的 1% |
| 質押獎勵 | 0% 屬於 Change Invest 平台功能，非卡片專屬 |
| 質押年利率 | 6% 最高 6% APY，視資產而定 |
| 歡迎獎勵 | — |
| 推薦獎勵 | 0 USD 目前有邀請好友入口，但沒有公開固定獎勵金額 |
| 限制 | |
| 每日支出上限 | 8,000 EUR 歷史資料中的 €8,000 不是每日消費限額 |
| 每月支出上限 | — |
| ATM 提款上限 | 250 EUR 每日最多提款等值 €250 |
| 卡片網路 |
費用可能因地區、卡片等級與官方政策而變動，請核對最新官方條款。
地區與中國地區適用性
依公開來源、官方政策與使用者回報整理申請狀態，不構成辦卡建議。
不支援或受限地區
申請或部分功能不可用或受限
中國CN美國US新加坡SG日本JP南韓KR澳洲AU加拿大CA
- 證據來源
- 官方限制
尚未確認地區
證據不足，狀態有待確認
沒有紀錄
- 證據來源
- 公開資料
中國地區適用性
以下保留資料原文。
原文
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。
更新時間: 2026年8月7日
KYC 要求
開戶前目前核驗的身分驗證要求與限制
是否需要 KYC
是需要KYC 等級
完整 KYC要求已確認居住證明
否不需要支援證件
護照 / 身分證 / 居留許可
審核時間 / 地區限制
自動驗證通常數分鐘完成，少數資料會進入人工審核並延長至48小時
KYC 服務商
Veriff
更新時間
2026年8月7日
支付相容性
各類支付情境的支援狀態與更新時間 · 實際可用性可能受地區、商家與發行方政策影響
相容性概覽12 個情境
支援1
不支援11
更新時間2026年8月7日
行動錢包付款
Apple Pay
不支援
2026年8月7日
行動錢包付款
Apple Pay
支援
2026年7月9日
現金服務
ATM 提款
不支援
2026年7月9日
AI 工具
ChatGPT
不支援
2026年7月9日
AI 工具
Claude
不支援
2026年7月9日
行動錢包付款
Google Pay
不支援
2026年7月9日
AI 工具
Midjourney
不支援
2026年7月9日
實體付款
實體 POS
不支援
2026年7月9日
線上購物
線上購物
不支援
2026年7月9日
行動錢包付款
PayPal
不支援
2026年7月9日
訂閱服務
訂閱付款
不支援
2026年7月9日
行動錢包付款
WeChat Pay
不支援
2026年8月7日
使用者評論
顯示 10 則已核准且符合此卡片的評論
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!
官方回覆
查看原文 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
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!
官方回覆
查看原文 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
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?
查看原文 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 💪🏻
查看原文 La atencion al cliente es muy buena…
La atencion al cliente es muy buena rapida y con todas las explicaciones Seguid así felicidades.
查看原文 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.
官方回覆
查看原文 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
My great experience is the way the…
My great experience is the way the support help their customers. They are friendly honest and competent. I feel secured and do trusted them, they replied immediately if there’s a problem .Its nice to work with them. I thank them for their patience and kindness to their customers.
查看原文 Tenía un problema con la validación de…
Tenía un problema con la validación de la cuenta y tras realizar una transferencia SEPA la aplicación seguía sin reconocerla, aunque el dinero ya había llegado, me lo han solucionado súper rápido!
查看原文 Great crypto-investment platform
AI am using Change Invest as a platform for buying crypto. Overall experience is great. With the app itself and also with support.
查看原文 Excellent
I have a long-term very positive experience with changeinvest.com. A user-friendly and transparent interface, easy communication, reasonably low fees - great in every way.
查看原文 風險因素
更新時間: 2026年8月7日
沒有可用的風險因素