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Exchange rates:
1069498
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470
Updated:
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ex-money.net exchanger website screenshot

Ex-Money exchanger

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Status: active Reviews: 19
Age: 7 years 6 months Financial claims: 02
On BestChange: 7 years 6 months Total currencies: 84
Country:
Estonia
Exchange rates: 6 575
AML transparency: AML Total reserves: $194 322 504
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When creating a financial claim, please make sure that the exchange regulations specified on the website Ex-Money have been violated and that you haven't received funds for the order. Please note that the claim may be turned down in the following cases:

  1. The regulated exchange period has not expired yet.
  2. The exchanger's regulations were violated. For example, the incoming transaction did not pass the AML check.

Be sure to indicate the exchange order number. It will help the Ex-Money administrator resolve the problem more quickly.

If you didn't like the Ex-Money's service and want to write about it, use the Comment review type.

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Add a comment:
Nikolai 185.224.249.* August 11, 2026 17:02
Under review by the monitor's administration
I would like to file a financial claim regarding my exchange with Ex-Money. I created a T-Bank RUB USDC order using the English version of the website. The form asked for my card number, sender’s name and simply a “Phone number”, with no indication that this number had to be linked to my T-Bank account or SBP. I entered my own T-Bank card details and my own valid phone number, and paid from that same card, which I had already successfully used for previous exchanges with Ex-Money. The payment was processed by T-Bank as a successful QR-code purchase. The receipt clearly identifies the debit account and transaction details, so the source of funds is fully traceable and a refund can be returned to the same account if the exchange cannot be completed. Ex-Money confirmed that the payment was received in their payment flow, but the USDC was not sent because the phone number in the order differed from the number linked to the payment. They now refer to this as incorrect information, although this requirement was never disclosed in the English interface before payment. When I asked where it was stated, support sent me a screenshot from the Russian version containing an additional warning. The English version I used only instructed me to transfer the exact amount, not add a payment comment, and complete the payment within 15 minutes; it contained no requirement that the phone number must match the T-Bank/SBP number. Support suggested changing the phone number linked to my bank account, but this requires my physical presence in the country and is not a practical solution. We have now been waiting five days for the bank/payment provider to resolve the transaction. Meanwhile, no cryptocurrency has been sent and my funds remain unavailable. I can confirm that the card, bank account, phone number provided and payment all belong to me. My complaint is not about a security or AML check, but about a material condition that was not disclosed before payment and the lack of a prompt refund despite the payment source being clearly identifiable. I ask BestChange to assist in either completing the exchange after verifying payment ownership or ensuring a full refund to the original payment account.
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BestChange admin August 11, 2026 17:05
Hello,

We request the exchanger's administrator to respond to the user's complaint.

Sincerely, administration of the BestChange exchanger monitor.
Ex-Money admin August 11, 2026 19:18
Hello Nikolai,Yes, please confirm that the phone number you used to pay, the bank card, and the account are yours. We've asked you to do this; this is one possible solution. Contact us during business hours, and we'll discuss how you can verify the phone number, card, and account from which the funds were sent.
Claim solved
Nikolai August 13, 2026 10:26
Update: Ex-Money informed me that their payment provider proposed linking the phone number currently associated with my T-Bank account to SBP in order to process the refund. I had already explained that this is a foreign number and that such a solution was unlikely to be possible. I double-checked this directly with T-Bank support, and the bank confirmed that a foreign phone number cannot be linked to a Russian bank account for SBP payments. T-Bank also confirmed that the original transaction was processed as a QR-code purchase, not an SBP transfer, and that a refund can be returned to the same account from which the payment was made if the company initiates it. I forwarded this confirmation to Ex-Money, and they informed me that it had been passed to their payment provider. I am now waiting for a workable refund solution.
Claim renewed
Ex-Money admin August 13, 2026 10:37
Nikolai, We are currently awaiting a response from our payment provider. We are doing everything possible to resolve the situation as quickly as possible. We apologize for the delay. Please rest assured that the funds will definitely be returned to the sender. Thank you for your patience.
Claim solved
Nikolai August 24, 2026 15:13
Update as of August 24: the issue remains unresolved more than two weeks after the payment. Ex-Money now says that the payment provider attempted a refund, but that my bank allegedly refused to accept it “for unknown reasons.” However, I have not received any refund reference, transaction ID, date, payment details, proof of the attempted refund, or confirmation of the alleged rejection. Without any trace of the refund attempt, I cannot meaningfully ask T-Bank to investigate why it was supposedly rejected. I have asked Ex-Money to provide these details and supporting evidence; they replied that they have requested them from the payment provider and are waiting for a response. I still have neither the USDC nor the refund, so I ask BestChange to keep the claim open until there is either a completed refund or verifiable evidence of the attempted refund and the bank’s rejection.
Claim renewed
Ex-Money admin August 24, 2026 15:19
Nikolai, Unfortunately, we are still waiting for additional information from the bank; there are no updates on the situation.
Claim solved
3
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Mazino 162.252.199.* June 3, 2026 16:43
Safe and fast. Recommended!
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User 109.252.0.* May 30, 2026 17:00
Very fast even on Saturday! Thanks!
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User 5.8.37.* May 15, 2026 07:16
Safe and fast. Recommended!
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Egor 185.212.171.* May 10, 2026 06:38
I successfully received the money. However, it took 1.5 hours from the time I received the money through the exchange service. If this had been clearly stated, I would have given it 5 stars. The statement on the website claiming that the exchange would take 15 minutes is misleading. Expect it to take several hours.
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Rav 139.28.217.* March 9, 2026 18:39
I got money, evething ok,
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Valery 167.88.50.* February 13, 2026 22:48
According to the information available, the exchanger has no financial obligations to this user
Misleading advertising and delay. The service is misleading customers. The main page explicitly states: "You will spend no more than 15 minutes... for any direction." It has been over an hour, and I have not received my funds.

Support is now claiming that international transfers take up to 24 hours, citing hidden terms that contradict the prominent guarantee on the homepage. This is deceptive marketing. MasterCard transfers are typically instant. I demand the immediate completion of the exchange or a full refund of my USDT.
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BestChange admin February 13, 2026 23:05
Hello,

We request the exchanger's administrator to respond to the user's complaint.

Sincerely, administration of the BestChange exchanger monitor.
Ex-Money admin February 14, 2026 07:45
Hello Valery, You will spend 15 minutes going through all the stages of the exchange in any direction that our service offers. This means that the time you will spend on creating and paying for the application will be no more than 15 minutes. There is no word on how long your application will be processed. Your request is currently in progress. Expect funds to be credited.
Claim solved
Valery February 14, 2026 10:58
Your explanation regarding the "15 minutes" is a manipulation of terms and deceptive marketing. Customers do not care how long it takes to fill out a form; they care about receiving their funds.

The fact remains: I still have not received my money.

I will NOT remove this claim and I will NOT mark it as "Solved" until the funds are credited to my account. Stop playing with words and complete the transfer. Waiting for the funds.
Ex-Money admin February 14, 2026 15:20
Valery, The transaction was cancelled by the bank. Please contact us for a refund.
3
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Þðèé 185.17.120.* January 24, 2026 10:38
Thank you very much!
I quickly received a TON to RUB exchange.
I recommend it.
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Pirozhok 152.89.163.* July 22, 2023 18:12
Fast and very comfortable! I will back!
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Amin zeynali 5.121.17.* June 14, 2022 16:44
Good and safe
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Smiga 27.109.115.* May 16, 2022 09:32
Totally recommended fast and clear
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Mariiabella39 102.132.54.* February 23, 2022 08:24
Obmen proizveden bistro i chetko bez vsyakih zaminok ,spasibo!
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Djo 41.228.226.* August 11, 2021 00:33
Good service and very fast thank you i recived perfect money vs dogecoin.
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Salman Khan 182.183.223.* July 12, 2021 11:37
Great and fast exchange ever
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Apollo 95.161.221.* June 4, 2021 13:59
Change 4 one minute. Recommended!
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Abdelrahman 178.70.54.* April 19, 2021 16:51
Spasibo za obmen usdt na rub...vse bistro i kyrs xoroshi
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Ganesh Govind 157.46.92.* March 22, 2021 04:05
One of the most user-friendly and affordable exchanges in crypto made online ? Just now exchanged Perfect Money dollars to BNB.?
App No: 16163855803455
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Anton 95.55.24.* March 6, 2021 17:28
Was the exchange quick? Very fast! Did support make me happy with the speed of the response? Yes. Would I recommend this exchanger? Yes.
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Surfraz 102.112.191.* March 5, 2021 22:26
Very fast transaction. Support is available instantly. Very much appreciated.
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Ataraxia1337 188.163.74.* January 28, 2021 12:50
Fast and clear.
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Rdz2020 190.115.130.* January 13, 2021 14:57
Good support
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