Swap services with a fiat on-ramp
Services that also sell crypto for card or bank payments through partners. 5 of 8 services in this directory: SimpleSwap, ChangeNOW, Changelly, StealthEX, Swapzone.
Side by side
| Service | Fiat on-ramp | Fee, as stated |
|---|---|---|
 SimpleSwap | Via Mercuryo, Simplex, Guardarian and others | From 0.2%, built into the quoted rate |
 ChangeNOW | 47 fiat currencies via partners | No single %, built into the quoted rate |
| Other services | ||
 Changelly | 100+ fiat currencies via 15+ providers | 0.25% floating; dynamic on fixed |
 StealthEX | Card purchases via partners | Fixed fee per swap, no % published |
 Swapzone | Buy and sell via partners | 0% Swapzone fee; partner fees in the rate |
Service by service
SimpleSwap
Self-custodial multi-source swap aggregator · since 2018SimpleSwap is a self-custodial multi-source swap aggregator: one custody model, 2,800+ swappable assets, routing across 20+ CEX and DEX liquidity providers.
- Fiat on-ramp
- Via Mercuryo, Simplex, Guardarian and others
- Fee, as stated
- From 0.2%, built into the quoted rate
- Aggregates 20+ CEX and DEX providers per order
- Fixed rate locked for 20 minutes
- Engine embedded in 6,000+ partner products
- You want one order routed across several liquidity sources
- You want a fixed rate held for 20 min
- You want to choose from 2,800+ listed assets
ChangeNOW
Instant exchange · since 2017ChangeNOW is an instant exchange with 1,500+ assets that pairs non-custodial swaps with an optional custodial product, ChangeNOW Pro, and a wider set of side tools such as payment links and limit orders.
- Fiat on-ramp
- 47 fiat currencies via partners
- Fee, as stated
- No single %, built into the quoted rate
- Optional custodial account with internal transfers
- Payment links and limit orders
- 13,500+ Trustpilot reviews (October 2026)
- You want to choose from 1,500+ listed assets
- You swap Monero (XMR)
- You also want to buy crypto with fiat through partners
Changelly
Instant exchange · since 2015Changelly is an instant exchange operating since 2015. It lists 1,000+ to 1,200+ assets, offers fixed and floating rates, with a fixed rate held for 15 min (20 for some coins) and states its fee as 0.25% floating; dynamic on fixed.
- Fiat on-ramp
- 100+ fiat currencies via 15+ providers
- Fee, as stated
- 0.25% floating; dynamic on fixed
- Operating since 2015
- Published 0.25% fee on floating swaps
- Fiat via 15+ providers
- You want a fixed rate held for 15 min (20 for some coins)
- You want to choose from 1,000+ to 1,200+ listed assets
- You swap Monero (XMR)
StealthEX
Instant exchange · since 2018StealthEX is an instant exchange operating since 2018. It lists 2,000+ assets and offers fixed and floating rates, with a fixed rate held for usually 15 to 30 min.
- Fiat on-ramp
- Card purchases via partners
- Fee, as stated
- Fixed fee per swap, no % published
- No upper limit on swap amounts
- A floating swap fails if the rate moves more than 5%
- Card purchases via partners
- You want a fixed rate held for usually 15 to 30 min
- You want to choose from 2,000+ listed assets
- You swap Monero (XMR)
Swapzone
Exchange aggregator · since 2019Swapzone is an exchange aggregator operating since 2019. It lists 1,000+ to 3,000+ assets, offers fixed and floating rates and states its fee as 0% Swapzone fee; partner fees in the rate.
- Fiat on-ramp
- Buy and sell via partners
- Fee, as stated
- 0% Swapzone fee; partner fees in the rate
- Compares offers from 15+ instant exchanges, incl. SimpleSwap and ChangeNOW
- KYC frequency label on each offer
- No fee of its own
- You want to compare offers from several exchanges in one window
- You want to choose from 1,000+ to 3,000+ listed assets
- You swap Monero (XMR)
Compare with SimpleSwap
Questions
Which swap services sell crypto for fiat?
5 of the 8 services in this directory: SimpleSwap, ChangeNOW, Changelly, StealthEX, Swapzone.
Does SimpleSwap offer a fiat on-ramp?
Yes. SimpleSwap offers a fiat on-ramp: via Mercuryo, Simplex, Guardarian and others.
Does ChangeNOW offer a fiat on-ramp?
Yes. ChangeNOW offers a fiat on-ramp: 47 fiat currencies via partners.