Rating of the Best Online Exchanges for Cryptocurrencies and Tokens

This review will help when you need to exchange cryptocurrency or tokens for active trading, for a one-off purchase or sale of coins. It is also useful when you want to invest in cryptocurrency for the long term, or on the contrary, to cash out your investment.

Exchange services are also used to pay for goods and services, as gateways between different payment systems.

Top 10 online cryptocurrency exchangers

The Holder editorial team analysed more than 100 cryptocurrency exchangers and picked out the following:

1. 60CEK - Working since 2015, 7,500+ reviews, the fee is included in the rate.
2. NiceChange - Working since 2018, positive reputation, the fee is included in the rate.
3. Hermes Exchange – Working through Telegram since 2022. Cash and card payouts in any country.
4. Baksman - Working since 2015, 50+ cryptocurrencies, fee 0.2-0.6%.
5. Prostovcash - Working since 2017, high speed, the fee is included in the rate.
6. Cryptolavka - Working since 2016, low limits, the fee is included in the rate.
7. EXHUB - Working since 2018, fast support, the fee is included in the rate.
8. 24PayBank - Working since 2016, 4,800+ reviews, the fee is included in the rate.
9. Obmenko - Working since 2020, 1,300+ reviews, fee 0.5-1%.
10. CoinStart - Working since 2019, automatic exchange, the fee is included in the rate.
11. TytCash - Working since 2019, 500+ reviews, fee 0.1-0.5%.

This table will help you quickly pick a suitable exchanger depending on your needs: transaction frequency, payment methods and working hours.

One of the most popular ways to sell or buy electronic currencies is still specialised exchangers that work 24/7.

Below are ten proven exchange services, each of which deserves attention and has its own strengths.

Best exchangers with the lowest fees

It should be said straight away that exchangers usually do not state a fee as such. It is included in the rate. That is, you receive exactly the amount you see in the order calculation window. There are exceptions — when a service charges an extra fee on certain payment directions, in which case it is obliged to notify you in advance.

A list of cryptocurrency exchangers with low fees:

1. 60CEK

👉 60CEK official website

A cryptocurrency exchanger with more than 7,500 positive reviews and a solid track record since 2015. It processes payment orders automatically and offers a bonus programme rewarding payments from 0.02% to 0.2%. The bonus system uses so-called points, calculated individually for different exchange directions (for example, 1 RUB = 0.0125 points, 1 BTC = 3,000 points, 1 LTC = 20 points and so on).

Terms:

• Cryptocurrencies: BTC, ETH, USDT, LTC.
• Payment methods: Sberbank, Tinkoff, Alfa-Bank, VTB, Gazprombank, Russian Standard, Otkritie, AdvCash, Perfect Money, VISA/Mastercard RUB, MIR, Qiwi, YooMoney (Yandex.Money).
• Working hours: around the clock.

• Crypto-to-cash exchange available
• More than 20 exchange directions
• Exchange to roubles available at Alfa-Bank, Tinkoff, Sber.
• Affiliate programme – 30% of the exchanger's profit

2. NiceChange

👉 Official website: nicechange.org

A cryptocurrency exchanger operating since 2018. It supports 25+ cryptocurrencies and fiat currencies (RUB, USD, EUR). Exchanges are available through bank cards, electronic payment systems and mobile operators.

The exchange runs automatically. The service works around the clock and support replies quickly. After its servers were seized in September 2024 it moved to a new domain nicexchanger.cc.

Terms:

• Cryptocurrencies: BTC, ETH, USDT, BNB, TRX, LINK, ATOM, RVN and others.
• Fiat payment methods: Visa, Mastercard and MIR cards, Qiwi, AdvCash, Payeer, Perfect Money.
• Working hours: 24/7.
• Referral programme: flexible, terms agreed individually.
• Partner monitors: BestChange, Kurs Expert.
• Reputation: positive reviews, high exchange speed, reliability.

There is a Telegram bot @NiceChange_bot for a quick exchange.

3. Hermes Exchange (cash / card)

👉 Official Hermes account

Hermes comes in handy when you need a fast and reliable exchange of 100 USDT or more. Different transfer directions are supported: fiat -> crypto and the other way round.

To make an exchange you need to contact a manager.

Features:

• They work only in Telegram [verified by the Holder.io editorial team]
• They support all Russian banks
• Cash exchange is available in any city in Russia and any country in the world
• Working hours: around the clock
• Exchange limits: none
• Reviews: https://t.me/thehermesexreviews

4. Prostovcash

👉 Prostovcash official website

Prostovcash is a proven cryptocurrency exchanger operating since 2017. The service offers a wide choice of directions, minimal fees (included in the rate) and round-the-clock support. It stands out for the speed of its operations and a convenient interface.

Terms:

• Cryptocurrencies: Bitcoin, Ethereum, USDT (TRC-20, ERC-20, BEP-20), Monero, Dash, Litecoin, Ripple and others. More than 30 cryptocurrencies in total.
• Payment methods: Sberbank, Alfa-Bank, Tinkoff, VTB, Visa/Mastercard, Perfect Money, Payeer and others.
• Working hours: around the clock.
• Extra features:
  • Exchanging cryptocurrency for cash.
  • More than 20 exchange directions.
  • Exchange to roubles through Alfa-Bank, Tinkoff, Sberbank.
  • Affiliate programme paying 30% of the exchanger's profit.

Prostovcash suits both newcomers and experienced users thanks to its simplicity and reliability.

5. Cryptolavka

👉 Cryptolavka official website

Register to reduce the fee on token exchanges. To exchange to a bank card, choose “Banks”. Thanks to its low fees, Cryptolavka has built up a loyal customer base. More than 3,000 exchanges are made every day across more than 100 directions. The site includes crypto wallet functionality where users can store their cryptocurrency. The exchanger is a perfect fit for cryptocurrencies from the top 100 by market capitalisation, including Bitcoin, Ethereum, Ripple, Litecoin and many others.

Advantages:

• The exchanger has low minimum limits on cryptocurrency exchanges
• It works with bank cards: Sberbank, Tinkoff, Raiffeisen Bank, Alfa Cash-in, YooMoney, VTB, cash.
• Working hours: daily from 10:00 to 22:00 Moscow time.
• Working hours: around the clock
• Type: automatic with moderation
• Banks available: Alfa-Bank, Sber, Tinkoff, Rosbank, Otkritie, Gazprom, Avangard
• Transaction screening: yes

6. EXHUB

👉 EXHUB official website

EXHUB is an automatic crypto exchanger. It has been working since 2018. The Holder editorial team wrote to ExHub support and got a reply within 6 minutes. The exchange office offers more than 60 pairs. The list covers both fiat currency and cryptocurrency on different networks.

7. Baksman

👉 Baksman official website

Baksman is a reliable exchanger for cryptocurrencies and fiat money, operating since 2015. The service processes orders semi-automatically with a high level of speed and security. It supports more than 50 cryptocurrencies and works around the clock.

Terms:

• Cryptocurrencies: BTC, ETH, USDT, LTC, Ripple and more than 48 tokens, including digital assets from the top 10.
• Payment methods: bank cards (Visa, MasterCard, MIR), electronic payment systems (Payeer, Perfect Money, Capitalist), transfers via codes (VEXEL, Gate.io, e-Voucher).
• Working hours: around the clock.
• Affiliate programme: from 0.2% to 0.6% of the turnover of the users you bring in.

Advantages:

• A wide choice of directions and tools.
• Rates refresh every 5 minutes for exchange transparency.
• Access through a Telegram bot or a mobile app for iOS and Android.
• Extra options: invoicing, a bonus programme with accumulated points.

Baksman is a versatile exchanger with transparent terms and favourable rates, suitable both for beginners and for experienced traders.

8. 24PayBank

👉 24paybank official website

A reputable exchange service with a track record since 2016 and 4,800+ positive responses. Orders are processed semi-automatically. It has programmes designed specially for ordinary users and for monitors. The discount system saves up to 0.12% of the exchange amount.

Terms:

• Cryptocurrencies: BTC, HBTC, ETH, USDT, TUSD, USDC, HT, XMR, LTC, DASH, TRX, ADA, EOS, ZEC, XLM, XRP.
• Payment methods: Visa/MasterCard, MIR, VTB, Alfa-Bank, Russian Standard, Raiffeisen, Tinkoff, Promsvyazbank, Gazprombank, Otkritie, Privat24, Monobank, Oschadbank, KaspiBank, HalykBank, Perfect Money, Payeer, AdvCash, QIWI.
• Working hours: around the clock.

9. Obmenko

The service processes orders manually, which lowers the speed somewhat but raises security. It has been working relatively recently (since 2020), but has already collected 1,300+ positive reviews. The referral programme pays a share of referral fees ranging from 0.5% to 1%.

Terms:

• Cryptocurrencies: BTC, ETH, XRP, ETC, ZEC, LTC, USDT, ADA, LINK, DSH, XMR, XLM, DOGE, EOS, TUSD, USDC, BNB, TRX.
• Payment methods: Sberbank, Tinkoff, Raiffeisen Bank, Alfa Cash-in, YooMoney, VTB, cash.
• Working hours: daily from 10:00 to 22:00 Moscow time.

Exchangers with the lowest minimum deposit

The minimum exchange amount is an important parameter: it sets the entry threshold for users who need to swap a small volume of assets in Russia. Finding exchangers that start at 100 roubles is quite hard when it comes to exchanging into cryptocurrency or back — micro-transactions are simply not profitable for the services. But from 500-1,000 roubles the options already exist.

Examples of exchangers with a low minimum limit:

CoinStart

Coinstart official website

The service has been working since 2019 and focuses on automatic round-the-clock processing of orders, as well as prompt technical support. The minimum amount for a QIWI to Bitcoin exchange is 500 roubles. The referral reward of 0.5% to 0.9% of fees starts from the moment you bring in your first referral.

Terms:

• Cryptocurrencies: BTC, ETH, XRP, ZEC, LTC, DASH, DOGE, TRX.
• Payment methods: Sberbank, Tinkoff, Alfa-Bank, VTB, QIWI, YooMoney, Privat24, Oschadbank, Visa/Mastercard (roubles, hryvnias), Payeer, AdvCash.
• Working hours: around the clock, seven days a week.

TytCash

TytCash official website

In a little over a year (since the end of 2019) the exchanger has collected 500+ positive reviews. The minimum amount for a QIWI to Bitcoin exchange is 1,000 roubles. Orders are processed automatically. There is a loyalty programme that rewards regular customers with a bonus on top of the exchange amount. The bonus ranges from 0.1% to 0.5%. The first level is granted right after account registration.

Terms:

• Cryptocurrencies: BTC, ETH, XRP, ETC, ZEC, LTC, DASH, XMR, XLM, USDT, TRX.
• Payment methods: Sberbank, Tinkoff, Alfa-Bank, Monobank, VTB, QIWI, Privat24, phone balance, EXMO Gift Card.
• Working hours: around the clock.

Long-standing crypto exchangers with a long track record

Fraudulent services do not last long and change domains every couple of months. That is why long-standing exchangers are the best choice for making transactions

Examples of exchangers with a long track record:

Paytiz

Paytiz official website

The service has been working since 2017 and has 50+ positive reviews. The exchanger works automatically, and semi-automatically on some directions. Cryptocurrency exchanges require one network confirmation. The exchanger holds a British licence. Discounts on the total exchange amount of up to 0.5% are available. The affiliate programme pays from 0.1% to 0.5% of referral fees.

Terms:

• Cryptocurrencies: BTC, BCH, ETH, LTC, USDT.
• Payment methods: Visa/MasterCard, Perfect Money, PayPal, Payeer, Skrill, Neteller, AdvCash, QIWI, bank transfer, Western Union, Cryptex.
• Working hours: Friday to Saturday from 10:00 to 23:00 Moscow time, at weekends on a flexible schedule.

365cash

365cash official website

One of the best known and most sought-after exchange services for crypto. It has been running since 2015 and has earned over 9,000 positive reviews on BestChange. Orders are processed automatically. The affiliate programme lets you earn 25% of the fees on every operation your referral makes, and the loyalty programme gives a discount of 0.05% to 0.2% as trading volumes grow.

Terms:

• Cryptocurrencies: BTC, ETH, BCH, LTC, ZEC, DASH, USDT.
• Payment methods: Sberbank, Tinkoff, Alfa-Bank, VTB, Qiwi, cash (Moscow), Privat24, Monobank, VISA/Mastercard, Payeer, Perfect Money, AdvCash, Binary, White Bit.
• Working hours: around the clock.

Cryptocurrency exchangers without a fee

Every exchange service charges a fee — that is how it makes money. As already mentioned, the fee is usually included in the rate. To work it out, take the exchange rate of the cryptocurrency on a trading venue and subtract it from the rate set by the exchanger. The smaller the difference, the smaller the fee.

On top of that, most sites let you take part in a cumulative discount programme. For this you need to create an account and use only one service regularly. As your trading volumes grow, the exchange becomes more and more favourable.

Examples of exchangers with a cumulative discount:

AlfaCash

AlfaCash official website

This automatic exchanger is registered in Germany and has been working for 8.5 years now (since 2012). It is quite popular thanks to a large choice of cryptocurrencies and fiat payment directions, as well as its discount and affiliate programmes. Discounts from 2.5% to 10% are available, and members who invite referrals receive a monthly reward, the exact amount of which depends on the total volume of transactions on the payout date.

• Cryptocurrencies: BTC, ETH, BCH, LTC, ZEC, DASH, USDT, XRP, EOS, USDC, PAX, TUSD, XMR, ATOM, XLM, XEM, OMG, REP, QTUM, ZRX, BAT, LINK.
• Payment methods: Sberbank, Tinkoff, Alfa-Bank, VTB, Otkritie, Avangard, Gazprombank, Promsvyazbank, Raiffeisen, Russian Standard, VISA/Mastercard, YooMoney.
• Working hours: around the clock.

Kassa

The Kassa exchanger official website

The exchange service has received over 7,600 approving reviews on BestChange, which is no surprise given its track record (since 2016), support for popular directions and fairly generous incentive programmes. Active members get cashback of 5% to 15% on their payments, and the referral programme lets you earn up to 1% of fees or (your choice) receive a gift — an iPhone, a power bank, a flash drive and so on.

Order processing type: manual.

Terms:

• Cryptocurrencies: BTC, ETH, BCH, ETC, LTC, DASH, XRP.
• Payment methods: Visa/MasterCard, Sberbank, Perfect Money, e-Voucher, Payeer, AdvCash, Exmo code.
• Working hours: daily from 6:00 to 2:00.

Cryptocurrency exchangers for users from Russia

To exchange cryptocurrency in Russia you need to pass simple verification rules. This is needed for the security and legitimacy of the deal.

The procedure confirms that the user really owns the card they are going to pay with.

Bankcomat — the exchanger with the lowest exchange amount

Bankcomat.org official website

The exchanger was founded in 2016 and is registered in Estonia. It works semi-automatically. A customer who invites a new user receives 0.6% of that referral's fees, plus 0.2% of the fees of all of their referrals — that is, the referral system has two levels. The cumulative discount system means savings of 0.05% to 0.2% of the amount.

Terms:

• Cryptocurrencies: BTC, ETH, LTC, ZEC, XRP, DASH, LINK, DOGE, BNB, XMR, BUSD, USDT, PAX, USDC, WAVES, TRX, NEM, EOS, NEO, BSV, OMG.
• Payment methods: Visa/MasterCard, Sberbank, Tinkoff, Otkritie, MIR, VTB, MTS-Bank, Alfa-Bank, Raiffeisen, Rocketbank, Promsvyazbank, Gazprombank, Payeer, Capitalist, AdvCash, QIWI.
• Working hours: around the clock.

How crypto is exchanged for roubles or dollars

The main ways to buy and exchange cryptocurrency include:

• Exchangers. Services offering a wide range of payment directions, including cryptocurrencies, bank cards, electronic payment systems, mobile operators and in some cases even cash. They work without verification and impose almost no requirements on the user.
• Cryptocurrency exchanges. They can be centralised or decentralised, but only the former support fiat withdrawals. To work with cards and payment systems, cryptocurrency exchanges usually require identity verification.
• Peer-to-peer exchange sites. P2P exchanges make it possible to sell and buy without intermediaries. Users exchange assets directly with each other, and to keep the deal safe the platforms run a dedicated escrow mechanism. It holds the cryptocurrency in a separate escrow account until the order has been paid for.

These are the most reliable and safest methods — provided, of course, that you choose a quality service with a good reputation. Where possible we recommend using exactly these rather than looking for counterparties on niche forums or social networks, as the risk of running into fraudsters is high.

Comparison of the top 10 crypto exchangers

Crypto exchangers with the lowest fee

All the crypto exchangers listed above charge a fee. It depends on the service's terms and on your tariff plan.

So how do you exchange without a fee? To save money, use P2P exchanges or decentralised exchangers. In the first case you choose the rate at which you convert the cryptocurrency yourself. Exchanges from 1,000 roubles or even from a few dollars will be available. P2P also lets you exchange cryptocurrency from a card.

The section that will help you: how to exchange via p2p

FAQ. Questions and answers about exchanging cryptocurrency

How do I choose a crypto exchanger?

When assessing exchange services you should pay attention to several criteria:

• Length of operation. The best choice is a site that has been running for at least a year.
• Reputation. Positive reviews — not on the exchange site itself, but on independent third-party resources. Reviews on reputable sites, preferably with exchange screenshots.
• Working hours. If it matters to you to be able to make a transaction at any time of day, watch out for this. Whether orders are processed automatically or manually also matters.
• Reserves. A good exchanger has large reserves across every payment direction. Reserves can be viewed on each exchanger's site, either on a separate page or at the moment you pick the currencies for the exchange.
• Extra features (discount system, earnings from the affiliate programme).

The service should be listed in the ratings of major aggregators such as BestChange and KursExpert. These platforms check every exchanger against many criteria before adding it to the list, and keep monitoring how each one works after it has been added.

Where do I look for a cryptocurrency exchanger?

The most convenient way to look for suitable sites to convert Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Dash, Zcash and other cryptocurrencies is as follows:

1. Go to the BestChange monitor.
2. On the left side of the screen, in the first column, choose the currency you are giving away — Bitcoin, for example.
3. In the second column there, choose the currency or payment direction you want to withdraw your assets to — YooMoney, for example.
4. On the right side of the screen a list of exchangers supporting this direction will open.
5. The sites are ordered by rate, so the top ones offer you the most favourable terms. But you can also order the list by other parameters — reserves, number of reviews — or alphabetically.

Having chosen the most suitable and favourable resource, click its name to go straight to the site, where the payment direction you need will already be selected (BTC to USD, BTC to roubles and so on).

Tips on finding an exchanger in video format:

How do cryptocurrency exchangers work?

The way cryptocurrency exchangers work is extremely simple.

The user chooses the currency to send and the currency to receive. They enter the details of the account they will send funds from (if fiat is involved) and the details where they want to receive the return payment.

The system creates an order and gives the user some time to pay it (usually no more than 60 minutes). Within that time the customer has to send the funds to the details they were given and notify the system by pressing an “I have paid” button or similar.

From that moment the exchanger starts checking for the incoming payment. When the money arrives, a return payment is created. How long it takes to arrive depends not so much on the exchanger as on the payment system. Fiat arrives almost instantly, cryptocurrency can take up to a few hours.

By contacting online support you can always ask the questions you have, including about the fate of your payment.

How to exchange cryptocurrency on the Binance exchange (step-by-step instructions)

Besides exchangers, digital coins can be swapped for real money on cryptocurrency exchanges. Binance, for example, has recently supported deposits and withdrawals using bank cards.

There are different ways to do this. Here is the simplest and fastest one:

1. Register and pass identity verification. Unverified accounts are not allowed to trade using fiat on this exchange. Confirming your personal data takes about a day.
2. Fund your account with cryptocurrency. To do this go to Wallet -> Fiat and Spot, choose the currency you need and press the “Deposit” button. Transfer the crypto from an external wallet to your exchange account.
3. Go to the section https://www.binance.com/ru/buy-sell-crypto?type=SELL and exchange the cryptocurrency you hold for fiat. This operation lets you withdraw the equivalent amount straight to a bank card. The exchange is carried out through the payment partner Simplex.

Exchanging through trading on the Binance exchange

Another way: create an order in the trading terminal of the Binance exchange, choosing the currency pair you need. Bitcoin for roubles, for example, can be sold here https://www.binance.com/ru/trade/BTC_RUB

The fiat currency you get from this procedure can be withdrawn through your personal account. Available withdrawal methods:

• A VISA, Mastercard or MIR bank card.
• Payeer
• AdvCash
• Yandex.Money (temporarily unavailable, possibly due to the rebranding to YooMoney)

Exchanging cryptocurrency through a p2p exchange

There is also the option of exchanging crypto tokens through the built-in p2p exchange, where users offer their own deal terms. Binance here acts only as a guarantor of reliable operations and as an arbiter for resolving possible conflicts through technical support. Trading on Binance p2p is likewise allowed only with verification.

Conclusion

We have looked at the main ways to exchange crypto and investment tokens for ordinary money — dollars, roubles and so on. Most of the services that exist today are reliable enough, provide a high level of privacy and offer a wide range of payment methods. With their help you can profitably move money out of blockchain wallets into a form convenient for paying for goods and services. Choose reliable exchangers with an online chat, a long track record and a good reputation to keep every transaction of yours safe, as there are quite a few fraudsters in this field too.