Non-custodial fiat gateway supporting 70+ crypto assets and direct external wallet delivery since 2019
Switchere is a non-custodial crypto on-ramp and off-ramp service that enables direct purchases, sales, and swaps across 70+ digital assets. Operating without holding user balances, the gateway sends purchased tokens straight to an external blockchain address as soon as payment clears.
The service is owned and operated by SH EUROPE UAB, a company headquartered in Vilnius, Lithuania. Launched in 2019, the platform processes virtual currency exchange services and verification through its regulated partner, Paybis Poland Sp. z o.o., aligning its operational procedures with the European Union's Markets in Crypto-Assets framework.
Switchere works as a direct settlement bridge rather than a centralized balance exchange. Users choose a cryptocurrency, select a fiat currency from over 40 options, paste their receiving wallet address, and complete payment. Supported payment channels include VISA and Mastercard credit and debit cards, SEPA bank transfers, Apple Pay, Google Pay, Neteller, and regional options like Pix and SPEI. The non-custodial delivery routes transfers through more than 20 supported blockchains, including Bitcoin, Ethereum, Solana, TRON, BNB Chain, and Polygon. Transactions paid by card require 3D Secure bank authorization, with network transfers initiated immediately after payment clears.
Card and digital wallet transactions carry a minimum ticket size of $5 up to a maximum of $20,000 per transaction. SEPA bank transfers support higher values, spanning from €200 to €1,000,000 per order. Switchere applies dynamic service fees calculated at the checkout screen before order submission, with 0% service fees offered on first-time orders. On Bitcoin transactions, an integrated network delivery fee of 0.0005 BTC applies. The platform also provides volume discounts of up to 45% on service fees based on rolling 365-day transaction history.
The platform excludes the United Kingdom, Afghanistan, Belarus, Cuba, Iran, Iraq, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, and Syria. Identity verification uses tiered thresholds: transactions under €500 or €1,000 may proceed without upfront identity documents depending on the user's country and automated risk scoring. Verified basic accounts hold a monthly rolling ceiling of €700, while complete identity and address verification unlocks a non-renewable €13,000 limit.
Card purchases carry exposure to card issuer policies, as some issuing banks classify crypto purchases as cash advances subject to immediate interest and surcharge fees.
Switchere delivers crypto directly to external wallets across multiple chains, but transaction fees vary dynamically and full verification becomes mandatory for larger amounts.
Switchere is a non-custodial fiat-to-crypto gateway founded in 2019 and based in Vilnius, Lithuania. Operated by SH EUROPE UAB with processing handled through its partner Paybis Poland Sp. z o.o., the platform lets buyers transfer funds into self-custodial wallets rather than holding customer balances on an internal ledger. It excludes jurisdictions such as the United Kingdom, Russia, and Belarus.
Users can buy and sell more than 70 cryptocurrencies across networks including Bitcoin, Ethereum, Solana, TRON, and Polygon. Supported fiat rails include Visa and Mastercard credit or debit cards, Apple Pay, Google Pay, and SEPA bank transfers, alongside regional services like Neteller and Pix. Card purchases start as low as $5 up to $20,000 per order, while SEPA bank transfers accommodate larger transactions starting from €200 up to €1,000,000.
Trade-offs center on dynamic pricing and regulatory verification hurdles. Switchere does not advertise a single fixed service percentage; instead, fees are calculated per order and shown on the confirmation screen, alongside fixed network deductions such as 0.0005 BTC on Bitcoin transfers. First-time buyers receive a 0% platform service fee promotion. Identity checks are tiered: basic non-verified limits allow small buys up to €500 or €1,000 depending on region, but orders can still be paused for anti-fraud scrutiny, and lifetime purchases above €13,000 require full identity and address verification.
| Service | On-ramp, Off-ramp, Widget / API · unverified |
|---|---|
| Payment methods | Card, Bank transfer, Apple Pay, Google Pay, SEPA, PIX · unverified |
| Typical fee | Calculated per transaction and shown before confirmation · unverified |
| Assets | 70 · unverified |
| Minimum purchase | $5 · unverified |
| Developer widget / API | Yes · unverified |
| KYC required | No · unverified |
| Sell to fiat (off-ramp) | Yes · unverified |
| Apple Pay | Yes · unverified |
| Max purchase | $20,000 · unverified |
| Delivery time | Seconds to under an hour depending on network · unverified |
Not disclosed by the provider: Countries.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Purchased assets dispatch directly to the user's external wallet address on networks like Bitcoin, Ethereum, Solana, and TRON without custodial platform storage.
Card, Apple Pay, and Google Pay purchases range from $5 to $20,000, while SEPA bank transfers accommodate larger transactions up to €1,000,000.
Supports both fiat on-ramping and off-ramping to let users sell supported tokens for fiat transfers sent to bank accounts and payment services.
All VISA and Mastercard transactions require bank biometric or SMS confirmation before crypto release, safeguarding against unauthorized card usage.
Supports over 70 cryptocurrencies across more than 20 destination blockchains, including Polygon, Avalanche, BSC, and XRP Ledger.
Dedicated iOS and Android mobile apps process one-touch card purchases and sync with device-level banking authentications.
The primary fiat on-ramp interface where users purchase over 70 cryptocurrencies using debit cards, credit cards, bank transfers, or mobile payment options.
An off-ramp interface that lets users exchange supported digital assets for fiat currency paid into bank accounts or supported payment systems.
A direct crypto-to-crypto conversion module to exchange one digital asset for another without routing through custodial accounts.
An iOS and Android application designed for mobile card purchases with integrated 3D Secure bank authorizations.
User feedback focuses, focusing on the ability to purchase cryptocurrency without strict identity verification.
“Use switchere.com It doesn't require KYC even when in the UK.”
“switchere.com lets you buy crypto without ID. just enter the amount of crypto + address and pay with apple pay. super easy. it’s what i use anyways. or kraken if you don’t mind using your ID.”
Based on 5 Reddit posts and comments from the last 12 months, checked Oct 21, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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Switchere is operated by SH EUROPE UAB, a company headquartered in Vilnius, Lithuania, which launched the platform in 2019. Virtual currency processing and verification services are handled in partnership with Paybis Poland Sp. z o.o.
Switchere calculates fees per order and displays the total fee and exchange rate before confirmation. First-time buyers receive a 0% service fee, while regular orders incorporate network costs such as 0.0005 BTC for Bitcoin delivery alongside dynamic payment processing charges.
Switchere allows small purchases up to €500 or €1,000 without identity verification depending on the user's country, subject to automated fraud screening. Purchases exceeding these thresholds require formal identity verification. Basic accounts have a €700 monthly limit, while identity and address verification unlocks a non-renewable €13,000 limit.
No, Switchere is entirely non-custodial. Cryptocurrencies bought on the platform are broadcast directly to the external wallet address you provide during checkout.
Yes, Switchere provides off-ramp capabilities. Users can sell supported cryptocurrencies and receive fiat currency sent to their bank accounts or supported payment methods.
Switchere accepts Visa and Mastercard credit or debit cards, Apple Pay, Google Pay, SEPA bank transfers, Neteller, and regional payment services like Pix.
Recent public posts from @Switchere_com, shown as published. Not reviewed or endorsed by CryptoReview.
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