The global CFD broker Change Invest presents itself as a multi-asset trading platform. The intermediary operates through two domains:
changeinvest.com,
signup.changeinvest.com.
This review examines publicly available information to assess the transparency, regulatory status, and operational credibility of the ChangeInvest broker.
The brokerage claims to be operated by Change Securities B.V., a company incorporated in the Netherlands. This is a verified fact that can be confirmed through public records.
Registration verification:
Company name: Change Securities B.V.
Registration number: 50755854
Registered address: Westeinde 89, 2211 XS Noordwijkerhout, Netherlands
History: The Change Invest broker states its Dutch entity was incorporated in 2010
Regulatory authorization:
Authorized by the Dutch Authority for the Financial Markets (AFM)
Crypto-Asset Service Provider (CASP) under MiCAR Regulation (EU) 2023/1114
Investment Firm under MiFID II Directive 2014/65/EU
Secondary entity:
xChange AS provides digital asset services in Estonia
Licensed as a virtual currency service provider (FVT000072) by the Estonian FIU
Jurisdictional scope:
The Change Invest broker is available in 30 countries across the European Economic Area (EEA)
Verified facts:
The ChangeInvest broker holds legitimate Tier-1 regulatory authorization in the Netherlands
The corporate registration number is publicly verifiable
The regulatory status is confirmed through AFM authorization
The trading provider appears to be a regulated entity with verifiable credentials. This distinguishes it from many platforms reviewed on this site.
Company claim: The Change broker has been operating since 2010. This is a company statement that cannot be independently verified but is consistent with the domain registration history.
The Change Invest broker does not appear on BrokerChooser. Several neutral explanations exist:
The project may not yet meet BrokerChooser's publication criteria
Publicly verifiable regulatory information may be sufficient for inclusion
The platform operates primarily in the EEA, which may affect inclusion
The absence of a profile should not by itself be interpreted as evidence for or against the brokerage's legitimacy.
The Change broker demonstrates above-average corporate transparency compared to the industry standard.
Legal entity: Change Securities B.V.
Registration number: 50755854
Address: Westeinde 89, 2211 XS Noordwijkerhout, Netherlands
Domain registration: February 26, 2019
IP location: San Francisco, California (Webflow Inc.)
The brokerage has a domain history dating to 2019, providing a longer track record than many platforms examined in this series. The use of corporate registration numbers and verifiable addresses represents a meaningful differentiator from unregulated operators.
Before depositing funds, users should understand that creating a Change Invest personal account provides access to a regulated platform with investor protections under EU frameworks.
The ChangeInvest broker offers a mobile-first trading experience through its proprietary application.
Platform features:
Available on iOS and Android
Web-based trading interface
500+ asset classes in a single platform
Fractional investing from €10
Stop-loss and limit order tools
Security measures:
Cryptocurrencies held in cold wallets
Proof of reserves publicly accessible
Licensed and regulated in the Netherlands and Estonia
The platform of the Change broker emphasizes simplicity and accessibility, positioning itself as beginner-friendly.
The Change Invest broker operates primarily through a unified account structure with access to multiple asset classes.
Investment minimum:
Minimum deposit: €10
Minimum withdrawal: €10 (€0 if > €50)
Available markets:
Cryptocurrencies: 140+ digital assets including BTC, ETH, SOL, ADA
CFD trading: Stocks, ETFs, indices, commodities, forex
Margin trading: Available on select instruments
Leverage:
Forex CFDs: up to 30×
Fee structure:
| Fee Type | Amount |
|---|---|
| Crypto trading (Bitcoin) | 0% commission |
| Crypto trading (altcoins) | 0.1% |
| CFD trading | Commission-free with spreads |
| Margin spread (crypto) | 1.01% average |
| Margin spread (stocks) | 0.65% average |
| Margin spread (forex) | 0.03% average |
| Asset Class | Overnight Fee |
|---|---|
| Crypto | 0.071% |
| Stocks | 0.0125% |
| Indices | 0.018% |
| Gold & Silver | 0.018% |
| Oil | 0.050% |
Passive account fee:
€10/month or $10/month after 90 days of inactivity
Inactivity fee details:
Charged after 90 days of no activity
Can be avoided by any account activity (deposit, buy, sell, staking)
Applied based on communicated terms and conditions
The ChangeInvest broker maintains transparent pricing with clear fee disclosures on its website.
The Change broker supports multiple deposit and withdrawal methods.
Deposit methods:
SEPA bank transfer (free)
Debit/credit cards (free up to €2,000 cumulative)
Apple Pay
Cryptocurrencies (BTC, ETH, USDC, LTC, XRP, SOL, TRX, DOGE, BCH, ALGO)
Deposit limits:
Minimum: €10
Card limit: €5,000 per month
Without SEPA deposit: €1,000 per month limit
First SEPA deposit processed manually for verification
Withdrawal fees:
| Method | Fee |
|---|---|
| Fiat (EUR) | €1 |
| Bitcoin (BTC) | 0.0003 BTC |
| Ethereum (ETH) | 0.006 ETH |
| Litecoin (LTC) | 0.03 LTC |
| XRP (XRP) | 1 XRP |
| Solana (SOL) | 0.05 SOL |
The brokerage processes withdrawals efficiently, though users should note the inactivity fee applies to dormant accounts.
When withdrawing money from Change Invest, users should be aware of the applicable network fees depending on the chosen asset.
The ChangeInvest broker provides:
Email support
In-app support: Available through the mobile application
Help center: Comprehensive FAQ section
Response pattern: Actively responds to Trustpilot reviews
Available Change Invest reviews show a polarized pattern. Trustpilot data reveals a 3.1 rating from 334 reviews.
Positive themes:
Intuitive platform interface
Wide range of available cryptocurrencies
Regulatory compliance and transparency
Competitive fee structure
Negative themes:
Passive account fees of €20 per month
Automatic asset liquidation to cover fees
Insufficient notification about fee changes
Customer support described as unhelpful
Common user concerns:
"They have started applying Passive account fee if you do nothing with your bought crypto"
"They have charged me every month without my consent"
"They took 100€ just like that"
"I also never received an invoice for any of the charges"
Company responses:
The Change broker states fees were communicated through multiple channels
30-day advance notification of fee changes was provided
Four emails were sent to all customers
Users can avoid fees through account activity once every 90 days
The polarized reviews of ChangeInvest represent a legitimate concern for potential users.
| Criteria | Assessment |
|---|---|
| Regulation | Verified – AFM authorized (Netherlands) and Estonian FIU licensed |
| Corporate transparency | High – clear registration details and legal entity disclosure |
| Domain longevity | Established – registered 2019 |
| Fee transparency | Good – clear pricing page, though users report surprise fees |
| Customer feedback | Polarized – high satisfaction and high dissatisfaction coexist |
| Withdrawal reliability | Reported as functional, though fees may apply |
| Overall risk | Low to Moderate (regulated but fee structure causes dissatisfaction) |
The Change Invest broker distinguishes itself from many platforms reviewed on this site through verified regulatory authorization and corporate transparency. The AFM and Estonian FIU licenses are independently confirmable facts that provide meaningful investor protections under EU frameworks.
Risk level: Low to Moderate
Suitable for: EEA-based traders seeking a regulated multi-asset platform; beginners with small capital; long-term crypto holders who maintain account activity
Not suitable for: Investors who hold assets passively without logging in; users outside the EEA; individuals who dislike inactivity fees
Key strengths:
Verifiable Tier-1 regulatory authorization in the Netherlands
Clear corporate registration details
Low entry barrier (€10 minimum)
Transparent fee structure
Strong security practices (cold storage, proof of reserves)
Key concerns:
Passive account fees have generated substantial user dissatisfaction
Some users report insufficient notification about fee changes
Asset liquidation to cover fees is a point of contention
Polarized feedback suggests communication gaps
The primary risk with the ChangeInvest broker is not regulatory or operational, but rather the fee structure that has caused significant user dissatisfaction. The platform's legitimately regulated status provides recourse options unavailable with unregulated trading providers.
The overwhelming majority of brokers are scammers. Traders can identify illegitimate ones by using free online resources. It is essential to verify the company's registration, the licensing of its services, and its operational history. It is also important to assess the completeness and authenticity of contact information and the transparency of trading conditions.
You can consult specialists who can help evaluate the broker and identify signs of fraud, and if necessary, assist in opening an account with a reliable service provider. A knowledgeable and comprehensive approach will help avoid negative trading experiences.
First and foremost, pay attention to the content of the comments. Excessively emotional opinions without specifics may indicate paid content. Additionally, a broker's positive reputation may be indicated by mass activity on a single online portal or forum. Another sign of fake reviews is their formulaic nature. Such comments are filled with general phrases and advertising slogans. Fraudulent projects use paid content to confuse traders and lure them into cooperation.
It is important not to fall for the tricks of company representatives. This can lead to additional financial losses. With legitimate brokers, withdrawing funds is a free service that is not subject to any fees such as insurance, taxes, commissions, etc.
If you need assistance in withdrawing capital, it is advisable to consult specialists. Timely consultation with experts can help achieve positive results and withdraw funds from the brokerage account.
In the case of scam brokers, account blocking may be related to a simple refusal to withdraw funds. Clients are accused of violating agreements, money laundering, technical work on the platform, etc. Such manipulations are aimed at depriving traders of the ability to withdraw capital.
When a brokerage account or personal account is blocked, it is better to use the services of professionals . Depending on the reason for the blockage, experts can find the optimal solution to the problem.
The reasons for the inactivity of a brokerage company's presentation portal can vary widely. Blocking due to numerous complaints, cessation of project activities, inclusion in the blacklist of trading platforms — all of this can lead to access issues to the broker's site. Additionally, unstable internet connection and browser restrictions can cause improper functioning of the resource.
If the official broker's website does not open, seek help from experts. They will advise on any questions and provide recommendations for further actions.
First and foremost, it is important to ensure that there are no assets in the account and no debts to the broker. If there are instruments in the investment portfolio, they should be sold, and you should wait for the settlements to be completed. After that, you can submit a request for the withdrawal of funds and the closure of the brokerage account.
If the broker refuses to fulfill requests, it is better to consult experts. They can assist in closing the brokerage account and recovering funds through chargebacks . When preparing to dispute transactions, it is necessary to gather all available evidence of cooperation with the project. This will help increase the chances of successfully initiating refunds.
