Changelly vs SimpleSwap: the New Zealand numbers
Changelly vs SimpleSwap for New Zealand: published fees, verification rules, and availability side by side, checked on July 31, 2026.
- Verified
- 31 Jul 2026
- Sources
- Official sources cited
- Market
- New Zealand
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- Market
- en-NZ / NZ
- Page
- comparison
- Updated
- 31 Jul 2026
Referral terms vary by region and account state.
The published numbers split this one: Changelly has the longer track record (since 2015 vs 2018); SimpleSwap lists more assets (2800 vs 1000). Neither side sweeps the table for New Zealand, so the right pick depends on which row matters most to you. Every figure was re-checked against official pages on July 31, 2026, and the row-level sources are one click away below.
exchange
Changelly
- market
- New Zealand
Referral terms vary by region and account state.
Exchange with ChangellyChangelly and its counterpart are lined up on the same published rows below — entry-tier costs, verification, coverage, and local availability — with the winning cell decided by the published number alone, re-checked on July 31, 2026. Where a platform does not publish a figure, the row says so instead of guessing, because an unpublished number is a real answer about transparency too. Use the availability row first if you are signing up from New Zealand: a cheaper venue that cannot legally take your registration is not cheaper.
| Brand | Published value | Source | Availability | |
|---|---|---|---|---|
| Changelly | Fee model: 0.25% · Rate types: Both floating rate and fixed rate swaps offered; fixed rate guarantees the exact displayed amount | Changelly official website | accepts New Zealand | Open account |
 SimpleSwap | Fee model: Spread-based: no explicit percentage fee on crypto-to-crypto swaps; margin is built into the quoted rate · Rate types: Floating and fixed rate; fixed-rate swaps require deposit within 20 minutes and have upper limits; floating-rate swaps have no restrictions | SimpleSwap official website | accepts New Zealand | Open account |
Each check below names the platform whose published number wins that row outright, using the values re-verified on July 31, 2026. Changelly and its rival keep their source links in the last row, so any cell can be audited in one click before you commit funds — and if a provider stops publishing a value, the row flips to "not published" on the next re-check rather than staying frozen.
| Check | Changelly | SimpleSwap |
|---|---|---|
| Fee model | 0.25% | Spread-based: no explicit percentage fee on crypto-to-crypto swaps; margin is built into the quoted rate |
| Rate types | Both floating rate and fixed rate swaps offered; fixed rate guarantees the exact displayed amount | Floating and fixed rate; fixed-rate swaps require deposit within 20 minutes and have upper limits; floating-rate swaps have no restrictions |
| Custody model | Non-custodial exchange flow: funds sent directly to user wallet, not stored on platform | Non-custodial: crypto sent directly to user wallet, not stored on the service |
| KYC policy | Basic KYC (passport) up to 10,000 EUR per 48 hours; Advanced KYC (face recognition call + extra IDs) above that | No mandatory KYC / sign-up; KYC triggered only for transactions flagged as suspicious; optional voluntary verification via SumSub for account perks |
| Listed assets | over 1000 cryptocurrencies (as stated) | 2800+ cryptocurrencies (homepage; FAQ still says 'more than 1000 currencies') |
| Founded | operating since 2015 (company's own claim; corroborated on /about: 'Trusted by millions since 2015') | Operating since 2018 per site copyright line (no explicit 'founded in' statement found; Wikipedia article does not exist) |
| Current promotion | Exchange any crypto instantly | Crypto Exchange Free from sign-up, limits, complications |
| Availability | accepts New Zealand | accepts New Zealand |
| Official source | Changelly official website | SimpleSwap official website |
Using Changelly or SimpleSwap from New Zealand
Signing up from New Zealand puts Changelly and SimpleSwap under a local rulebook, and it is not what the fee table alone tells you. Financial Markets Authority (FMA) oversees retail crypto financial services in New Zealand; 'crypto asset service providers' is a named FMA service category, and crypto CFD providers need an FMA derivatives issuer licence. No bespoke crypto licence: NZ-based crypto exchanges fall under 'operating a value transfer service' and must be registered on the Financial Service Providers Register (FSPR) under the Financial Service Providers (Registration and Dispute Resolution) Act, plus AML/CFT Act obligations. How money actually reaches the order book here: Domestic NZD bank transfer: direct credits and automatic payments cleared through the Bulk Electronic Clearing System (BECS) administered by Payments NZ are the standard way to move money between New Zealand bank accounts. New Zealand retail banks began a phased rollout of a Confirmation of Payee service (payee-name checking before sending money) from late 2024, tightening bank-transfer security for deposits. On tax treatment in this market: Inland Revenue treats cryptoassets as a form of property for tax purposes; taxable cryptoasset income is returned under ordinary income tax rules (there is no separate crypto tax, and buying or selling cryptoassets is not subject to goods and services tax). None of this market context changes the Changelly figures in the table above — it decides how you act on them.
- Which is better: Changelly or SimpleSwap?
- The published numbers do not produce a single winner for New Zealand; the table above shows which platform wins each row so you can weight what matters to you.
- How is crypto regulated in New Zealand?
- Financial Markets Authority (FMA) oversees retail crypto financial services in New Zealand; 'crypto asset service providers' is a named FMA service category, and crypto CFD providers need an FMA derivatives issuer licence. — No bespoke crypto licence: NZ-based crypto exchanges fall under 'operating a value transfer service' and must be registered on the Financial Service Providers Register (FSPR) under the Financial Service Providers (Registration and Dispute Resolution) Act, plus AML/CFT Act obligations. (source: fma.govt.nz).
- How does ChainCosts earn from this page?
- If you open an account through a link here, the provider may pay us a commission. It never changes the price you pay, and it has no input into which cell wins a row — the published numbers decide.
At a glance
Key facts
- Market
- New Zealand
- Verified
- 31 Jul 2026
- Data completeness
- Only figures backed by the cited sources are shown; anything we could not verify is left out.
ChainCosts may earn a commission if you sign up through a partner link on this page. This never changes the numbers we publish.
Not financial, tax, custody, or investment advice. Verify live terms with the provider before acting.
exchange
Changelly
- market
- New Zealand
Referral terms vary by region and account state.
Exchange with Changellyexchange
SimpleSwap
- market
- New Zealand
Referral terms vary by region and account state.
Swap with SimpleSwapRoute fit
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Machine-readable summaryen-NZ / NZ
- Canonical source
- https://chaincosts.com/en-NZ/compare/changelly-vs-simpleswap
- What this page does
- comparison screening with visible partner-link disclosure
- Offers covered
- Changelly, SimpleSwap
- Evidence
- 3 cited sources: Changelly official website, SimpleSwap official website, ChainCosts exchange fee checklist
- Partner links
- Partner actions go through ads.chaincosts.com; source links stay direct.
- Not advice
- Informational only. Verify provider terms, eligibility, and fees before acting.
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