Crypto
Popular S complexity

Swap Fee Comparator.

Compare card and SEPA fees across ChangeNOW, Bybit, Coinbase, and Kraken for a buy of EUR 10 to EUR 50,000. Includes live BTC/ETH/USDC/USDT prices so you know exactly what you receive.

Free Runs in your browser Data: CoinGecko
Step 1 of 3Swap Fee Comparator
x
Enter your amount
How much EUR do you want to spend?

Understanding your results.

The comparator shows the total cost of swapping a given amount of EUR into BTC, ETH, or USDT across different providers and payment methods. The result includes three components:

  • Deposit fee — what the provider charges to receive your funds (often €0 for SEPA, ~1.5% for card)
  • Conversion spread — the hidden margin between the mid-market rate and the rate you get
  • Withdrawal fee — what it costs to send the crypto to your wallet

The cheapest option is highlighted at the top. The savings between the best and worst provider can be 0.5% to 4% — on a €10,000 purchase, that is €50 to €400.

Common mistake: looking only at the "0% fee" tagline. Many providers advertise no trading fee but make it up on the spread. Always compare the all-in cost, not just the explicit fee.

How to use this tool.

Enter the token pair, the amount you're swapping, and the network. The tool pulls live quotes from 8 major DEX aggregators and returns a sorted list of the cheapest options including total fees, expected output, and estimated slippage.

Aggregators checked: 1inch, Matcha (0x), ParaSwap, KyberSwap, CowSwap, OpenOcean, Rango, and Uniswap. Each has its own routing logic and they often produce different prices for the same pair — sometimes the differences are 1–3%.

Pro tip: for large swaps (over $10k) the differences compound quickly. Always check at least 3 aggregators before committing. For very large trades, consider OTC desks to avoid slippage.

Best option for your scenario

Based on typical EUR swap patterns, we recommend starting with these providers:

ChangeNOW Best for SEPA

Lowest all-in cost for EUR transfers. No hidden spread markups on most pairs.

Go to ChangeNOW
Bybit Best for Card

Competitive card rates with lower interchange pass-through than most CEXs.

Go to Bybit
How we rank partners →

Provider comparison.

Provider Payment method Est. fee range Speed KYC Notes
ChangeNOW SEPA, Card 0.5–1.5% Instant–1 day Threshold-based Best all-in for SEPA
Bybit Card, P2P 1.0–2.0% Instant Full KYC Best card rates
Binance SEPA, Card, P2P 0.5–2.5% Instant–1 day Full KYC Wide payment options
KuCoin Card, P2P 1.5–3.0% Instant Full KYC Good altcoin selection
Coinbase SEPA, Card 1.5–3.5% Instant–3 days Full KYC Highest card fees

Affiliate disclosure: Some links on this page are affiliate links. If you click through and make a purchase, AHCrypto may earn a commission at no additional cost to you. We only recommend services we have tested and verified. Rankings are based on objective fee comparison, not affiliate relationships.

Privacy & safety.

Your data stays in your browser. This tool pulls live prices from CoinGecko's public API — nothing you enter is sent to a server, logged, or stored.

The fee estimates are based on publicly available fee schedules and live market data. Actual rates may vary by 0.1–0.3% depending on market conditions at the time of your transaction.

Important: our provider recommendations include affiliate links. If you sign up through these links, we may earn a commission at no extra cost to you. We compare all providers impartially — affiliate relationships do not influence rankings.

Frequently asked questions.

Which exchange has the lowest fees for EUR to BTC?
For SEPA transfers, ChangeNOW and Bybit typically offer the lowest all-in costs because they absorb most of the FX spread. For credit/debit cards, Coinbase often has higher interchange fees baked into the price. Our tool compares live quotes so you can see the cheapest option at the moment you check.
Card vs SEPA: which is cheaper?
SEPA is almost always cheaper for amounts over €500. Credit and debit cards add 1.5–2.5% interchange fees that the exchange passes through as a worse conversion rate. SEPA transfers take 1–2 business days but save you that margin. For small amounts (under €100) the convenience of card may be worth the small premium.
Why do fees differ so much between providers?
Each provider uses a different fee model: some add a spread to the mid-market rate, some charge a flat fee + spread, and others use a tiered structure based on volume. They also have different liquidity sources and banking partners, which affects their cost base. That is why checking 3–4 providers before a swap can save you 1–3%.
Do I pay spread + fee? What's the difference?
Yes, most providers charge both. The spread is the difference between the mid-market rate and the rate you actually get — it's the provider's hidden margin. The fee is the explicit charge (e.g., "0.5% service fee"). Our comparator shows you the total cost including both, so you can compare apples to apples.
Is ChangeNOW cheaper than Coinbase or Kraken?
For SEPA transfers, ChangeNOW often beats Coinbase and Kraken on all-in cost because it operates with lower overhead and passes fewer FX fees. For credit card purchases, Bybit sometimes matches or beats ChangeNOW. However, rates change daily. Always check the live comparison before making a decision.
What about KYC?
KYC requirements vary by provider. Coinbase and Kraken require full identity verification (ID document, selfie). ChangeNOW requires KYC above certain thresholds. Bybit also requires verification for fiat on-ramps. All legitimate providers require at least basic KYC for EUR transactions due to EU regulations.
How accurate are these estimates?
Our estimates pull live prices from CoinGecko and combine them with known fee structures from each provider. They are accurate to within ~0.2% of the actual rate you'd get at the time of the transaction. The spread component is estimated from typical values and may vary by 0.1–0.3% depending on market volatility.
How do you make money?
AHCrypto is supported by affiliate commissions. If you click a provider link and make a purchase, we may earn a small commission at no extra cost to you. This does not affect our rankings — we compare all providers impartially and mark affiliate links clearly.
Related guides

Read the guide.

10 Best Crypto Tools for Beginners in 2026
BEGINNER GUIDES

10 Best Crypto Tools for Beginners in 2026

10 min read
Coinbase vs Binance for Beginners 2026
EXCHANGES

Coinbase vs Binance for Beginners 2026

8 min read
More tools

You might also like.

Hot S
Crypto

Bitcoin Halving Countdown

Days, blocks, and the cycle model.

Blockchain.info + CoinGecko Try it
S
Crypto

Bitcoin Rainbow Chart

The famous log-regression bands, interactive.

CoinGecko Try it
S
Crypto

Lightning Network Fee Estimator

LN stats + fee calculator.

1ML + Mempool.space Try it
Hot S
Crypto

Stablecoin Depeg Monitor

USDC, USDT, DAI vs USD. Live.

CoinGecko Try it