11 Best Crypto Exchanges in Europe (2024)

Selecting the best crypto exchange from the European market can be difficult when so many options are available. To make things easier for you, we have overviewed the 11 top licensed crypto exchanges in Europe.

Learn more about each of these exchanges.

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The best crypto exchanges in Europe in 2024

#1 Bitstamp

Best for security-conscious investors

Bitstamp is a European crypto exchange that’s been around since 2011. It supports the trading of fiat currency, Bitcoin, and other cryptocurrencies. The crypto exchange was created as a European alternative to the dominant bitcoin exchange, Mt. Gox.

Bitstamp only accepts free deposits in fiat currency through the European Union’s Single Euro Payments Area, simplifying money transfers between European bank accounts.

Key Features:

• Trading fees: 0.00-0.06% maker fee and 0.006-0.08% taker fee.
• Supported cryptocurrencies: 80+
• Tradable assets: Fiat currencies, cryptocurrencies, futures, options, CFDs.
• Advanced trading tools: Advanced order types, margin trading, leveraged tokens, technical indicators, advanced charting tools, API.
• Security: Cold storage, multi-signature wallets, 2FA, regular security audits, bug bounty program.
• Deposits methods: SEPA and SOFORT transfers for EUR deposits; SWIFT for various currencies; credit/debit card deposits; Apple Pay and Google Pay for EUR deposits.
• Deposit insurance/protection: Deposit insurance up to 250,000 EUR.
• Licenses in EU: FCA in the UK, CSSF in Luxembourg, FinCEN in the US, FSA in Japan, MFSA in Malta, FSMA in Belgium, OAM in Italy, and CNMV in Spain, Poland, and Sweden.

Pros:

• Strong track record of security.
• Competitive fees.
• Various advanced trading tools.

Cons:

• Limited customer support.
• Fewer crypto trading pairs compared to some competitors.

#2 OKX

Best for active traders looking for high liquidity

OKX is a major global crypto exchange, ranking second in trading volume and catering to over 50 million users worldwide. Founded by Star Xu in 2017, it serves as a platform for investors to buy Bitcoin, Ethereum, and other cryptocurrencies.

Key Features:

• Trading fees: 0.00-0.14% maker fee and 0.03-0.23% taker fee.
• Supported cryptocurrencies: 300+
• Tradable assets: Cryptocurrencies, futures, options, margin trading, staking, yield farming.
• Advanced trading tools: OCO orders, bracket orders, trailing stop-limit orders, advanced order types, API, margin trading, and detailed trade history.
• Security: Online/offline storage, multisig protection, asset risk reserve fund, private keys encryption, bug bounty program.
• Deposits methods: SWIFT, SEPA, and Faster Payments for EUR, USD, GBP, CAD, AUD, and RUB deposits; credit/debit card deposits for a variety of fiat currencies, including USD, EUR, GBP, AUD, and RUB; P2P marketplace; Bancontact, iDEAL and Giropay payments for EUR deposits; direct cryptocurrency deposits from the crypto wallet.
• Deposit insurance/protection: None.
• Licenses in EU: The MFSA in Malta and registration approval from DNB in the Netherlands.

Pros:

• Wide range of cryptocurrencies and pairs.
• Various advanced trading tools.
• Low fees.

Cons:

• Regulatory concerns.
• Less user-friendly compared to some exchanges.
• No deposit protection

#3 eToro

Best for social investing enthusiasts and beginners seeking a user-friendly platform

eToro is a financial services company and one of the best crypto exchanges focusing on social trading and multi-asset investments. It was founded in 2007 in Tel Aviv as RetailFX by brothers Yoni Assia, Ronen Assia, and David Ring.

The company’s main office is in Central Israel, and it also has registered offices in Cyprus, the United Kingdom, the United States, and Australia.

Key features

• Supported cryptocurrencies: 83+
• Tradable assets: Fiat, cryptocurrencies, stocks, indices, and commodities.
• Fees: 1% buy/sell fee, 2% cryptoasset transfer fee.
• Advanced trading tools: CopyTrader, Social Trading, eToro CopyPortfolios.
• Security: 2FA, segregated accounts, SSL encryption.
• Deposits methods: SWIFT and SEPA for EUR, USD, GBP, AUD, and RUB deposits; credit/debit card deposits; eWallets; direct cryptocurrency deposits from a crypto wallet.
• Deposit insurance/protection: Cash, all CFD positions, and securities, up to 1 million euros or AUD (depending on the regulated entity) and subject to an excess amount. Claims exceeding 20,000 euros or AUD. Real crypto asset positions are not covered.
• Licenses in EU: CSP in the UK, DASP in France, CASP Register in the EU, a service provider of exchange of virtual currency for fiat currency and electronic wallet custody services in Spain, providers of crypto/digital wallets services in Italy, and regulated crypto exchange by MFSA in Malta.

Pros:

• A wide range of tradable assets.
• No commission on stocks and ETFs.
• A demo account.

Cons:

• Spreads can be high.
• A high inactivity fee.
• Some trading tools are not available to all users.

#4 Coinbase

Best for beginners looking for a simple and resourceful platform

Coinbase is a leading US company that operates a crypto exchange platform. Established in 2012 by Brian Armstrong and Fred Ehrsam, Coinbase is a distributed company with remote work for all employees.

Moreover, Coinbase is the largest crypto exchange in the United States by trading volume.

Key Features:

• Trading Fees: 0.00-0.40% maker fee and 0.05-0.60% taker fee.
• Supported cryptocurrencies: 240+
• Tradable assets: Fiat currencies, cryptocurrencies, NFTs, tokens, stablecoins, ERC-20, DeFi tokens, security tokens, utility tokens, derivatives trading, and leveraged tokens.
• Advanced trading tools: Interactive charts, advanced order types, margin trading, real-time market data, leveraged tokens, and trading bots.
• Security: Advanced risk management, encryption, 2A, and custodial insurance.
• Deposits methods: ACH for US dollar deposits and SEPA transfers for euro-denominated deposits; credit/debit card deposits; PayPal deposits for USD and EUR; Apple Pay for USD deposits; Google Pay for EUR deposits; direct cryptocurrency deposits from a crypto wallet.
• Deposit insurance/protection: FDIC-insured USD balances.
• Licenses in EU: MSB or VASP licenses in various countries, including Canada, Italy, Japan, Lithuania, Poland, Spain, Sweden, the UK, and the US. A MiFID II license is in progress.

Pros:

• Top-notch security.
• Educational content.
• Availability in over 100 countries.

Cons:

• Limited trading pairs.
• Lack of fee disclosure before transaction completion.
• Commission on staking yields.

📚Related: Buy Crypto with Apple Pay

#5 Binance

Best for crypto traders looking for a massive variety of cryptocurrencies

Binance is the largest crypto exchange based on daily cryptocurrency trading volume. This worldwide company was established in 2017 by Changpeng Zhao, a developer with prior experience creating high-frequency trading software.

However, recently, Binance faced some serious issues. In March 2023, the CFTC sued Binance, claiming they didn’t establish an anti-money laundering program to detect and prevent transactions involving illegal funds, such as financing terrorism and drug sales.

Key Features:

• Trading fees: 0.009-0.10% maker fee and 0.018-0.10% taker fee.
• Supported cryptocurrencies: 350+
• Tradable assets: Cryptocurrencies, tokens, options, NFTs, stablecoins, DeFi tokens, stocks, and commodities.
• Advanced trading tools: Advanced order types, margin trading, leveraged tokens, trading bots, technical indicators, advanced charting tools, and market data feeds.
• Security: Two-step verification, biometric fingerprint logins, and AES-256 encryption.
• Deposits methods: Bank transfers via SEPA, SWIFT, and Faster Payments for EUR, USD, GBP, and CHF deposits; credit/debit card deposits for a variety of fiat currencies, including USD, EUR, GBP, CAD, AUD, and RUB; a P2P marketplace; direct cryptocurrency deposit from your cryptocurrency wallet.
• Deposit insurance/protection: FDIC-insured USD balances.
• Licenses in EU: IDASP in France, DASP in Italy, VASP in Lithuania, Spain and Poland, and FI in Sweden.

Pros:

• Low fees and high liquidity.
• Various advanced cryptocurrency trading features.
• Global accessibility.

Cons:

• Regulatory concerns.
• Complexity for beginners.
• Limitations on Binance.us.

📚Related: How to Delete a Binance Account?

#6 Kraken

Best for strong staking rewards and access to lesser-known cryptocurrencies

Kraken is a cryptocurrency exchange based in the United States, founded in 2011. The crypto exchange facilitates the trading of various cryptocurrencies for market participants.

However, in 2023 the SEC accused Kraken of illegally offering and selling unregistered securities through its staking service.

The complaint highlights two main points: first, that Kraken’s staking service involved the sale of a security type known as an investment contract, and second, that Kraken failed to register this security as required.

Key features:

• Trading Fees: 0.00-0.16% maker fee and 0.1-0.26% taker fee.
• Supported cryptocurrencies: 240+
• Tradable assets: Fiat currencies, cryptocurrencies, ERC20 tokens, lisk tokens, stealth tokens, NFTs.
• Advanced trading tools: Advanced order types, margin trading, leveraged tokens, trading bots, technical indicators, charting tools, and market data.
• Security: Strong security measures, including cold storage and 2FA.
• Deposits methods: Wire transfers via SWIFT and SEPA for EUR, USD, JPY, CAD, GBP, and AUD deposits; ACH deposits for USD and Faster Payments (FP) deposits for GBP; direct cryptocurrency deposit from the crypto wallet.
• Deposit insurance/protection: None
• Licenses in EU: MSB in the US, FCA Authorised Investment Firm in the UK, VASP in Italy.

Pros:

• Up to 26% yearly staking rewards.
• Real-time and reference rate indices.
• Various trading pairs.

Cons:

• Complex interface for beginners.
• Regulatory ambiguity in some regions.
• Limited customer support for traders.

#7 Crypto.com

Best for users seeking a comprehensive platform with various benefits

Crypto.com, headquartered in Singapore, operates as a prominent crypto exchange. Crypto.com proudly claims a user base exceeding 80 million globally. Moreover, it has its own token, Cronos.

Founded in 2016 as Monaco in Hong Kong by Bobby Bao, Gary Or, Kris Marszalek, and Rafael Melo, the company changed its name to Crypto.com in 2018.

Key Features:

• Trading fees: 0.00-0.075% maker fee and 0.05-0.075% taker fee.
• Supported cryptocurrencies: 250+
• Tradable assets: Cryptocurrencies, NFTs, DeFi tokens, stablecoins, futures, and options.
• Advanced trading tools: Grid trading bot, DCA bot, OCO orders, trailing stop-limit orders, bracket orders, advanced order types, market data, API access, margin trading.
• Security: Regulated custodian bank accounts, cold and hot wallets, hardware security modules, and multi-factor authentication.
• Deposits methods: SEPA, SWIFT, and Faster Payments for EUR, USD, GBP, CAD, AUD, and RUB deposits; credit/debit card deposits; ACH deposits for USD and Faster Payments deposits for GBP; direct cryptocurrency deposits from your crypto wallet or Crypto.com App Wallet.
• Deposit insurance/protection: Insured up to $250,000.
• Licenses in EU: AUSTRAC in Australia, MAS in Singapore, VARA in Dubai, AMF in France, FCA in the UK, OAM in Italy, ACPR in France and South Korea, and registration approval from DNB in the Netherlands.

Pros:

• High security.
• Wide range of products.
• Availability in over 100 countries.

Cons:

• Customer service reputation concerns.
• Less transparent fee structure.
• Limited selection of cryptocurrencies.

#8 Bitpanda

Best for European investors seeking a user-friendly platform

Bitpanda, originally known as Coinimal and later rebranded in 2016, is an Austrian company founded in 2014 by Eric Demuth, Paul Klanschek, and Christian Trummer.

Headquartered in Vienna, Bitpanda provides a user-friendly mobile app for accessing its trading platform. The platform covers cryptocurrency exchange, commodities and securities trading, and ETFs.

Key features

• Supported cryptocurrencies: 100+
• Tradable assets: Fiat money, cryptocurrencies, commodities, stocks, ETFs, and precious metals.
• Fees: Creating and maintaining an account on Bitpanda is entirely free. The fixed premium for buying or selling Bitcoin is 1.49%. All displayed prices already include the fees for trading cryptocurrencies, ensuring transparency. The amount shown on the order confirmation page is what you’ll receive, making the process clear and straightforward.
• Advanced trading tools: Margin trading, futures trading, CFD trading, and copy trading.
• Security: Cold storage, multi-signature wallets, two-factor authentication (2FA), firewalls and intrusion detection systems, regular security audits, bug bounty programs, data encryption, and security awareness training.
• Deposits methods: SEPA transfers for EUR deposits, SOFORT transfers for EUR deposits, credit/debit card deposits for various fiat currencies, and direct cryptocurrency deposits from the crypto wallet.
• Deposit insurance/protection: None.
• Licenses in EU: VAP in Germany, Austria, France, Italy, Sweden, Czech Republic, the UK, and more. Also, it operates with a MiFID II investment firm licence, an E-money licence under PSD II, and several crypto licences.

Pros:

• A wide range of cryptocurrencies.
• A user-friendly interface.
• A variety of payment and withdrawal methods.

Cons:

• Reported delays in deposits, withdrawals, and customer support.
• Not available in all countries

#9 Blockchain.com

Best for beginners seeking a basic platform

Blockchain.com is a cryptocurrency financial services company. It started as the first Bitcoin blockchain explorer in 2011. Later, it created a cryptocurrency wallet that accounted for 28% of Bitcoin transactions between 2012 and 2020.

Key features

• Supported cryptocurrencies: >32
• Tradable assets: Fiat, cryptocurrencies, indices.
• Fees: 0.00-0.40 maker fee and 0.06-0.45% taker fee.
• Advanced trading tools: DeFi, staking, margin trading.
• Security: Offline cold wallets, 2FA, AES-256 encryption, FIPS 140-2 certified devices for private keys, TLS 1.2 for Internet-facing applications, audits, Hardware Security Modules, AML and KYC regulations.
• Deposits methods: SWIFT, SEPA, and Faster Payments; credit/debit cards; direct cryptocurrency deposits from your crypto wallet.
• Deposit insurance/protection: None
• Licenses in EU: VASP in Lithuania, VFA in Malta, FIU in Estonia, FCA authorization in the UK.

Pros:

• Strong security measures.
• Available in over 180 countries.
• A user-friendly interface.

Cons:

• No margin account is available.
• Limited trading options.
• Higher fees.

#10 Gemini

Best for storing large crypto holdings

Gemini is an American crypto exchange and custodian bank founded in 2014 by Cameron and Tyler Winklevoss.

In 2023, the company faced legal action from the New York Attorney under allegations of defrauding investors by exposing them to undue risk.

Key Features:

• Trading Fees: 0.50-0.10% maker fee and 0.50-0.10% taker fee.
• Supported cryptocurrencies: 80+
• Tradable assets: Fiat, cryptocurrencies, NFTs.
• Advanced trading tools: ActiveTrader, Gemini Earn, Gemini Custody.
• Security: SOC 1 Type 2 and SOC 2 Type 2 compliance, hardware security key via WebAuthn.
• Deposits method: SWIFT, SEPA, and ACH deposits; credit/debit cards; direct cryptocurrency deposits from your crypto wallet.
• Deposit Insurance/Protection: Digital assets in your account, including Gemini Dollars, are not covered by deposit insurance, such as FDIC or Securities Investor Protection Corporation protections.
• Licenses in EU: Regulated by NYSDFS.

Pros:

• Wide range of cryptocurrencies.
• Relatively low trading fees.
• User-friendly services.

Cons:

• Limited fiat currencies.
• Issues reported with customer service.
• Users report various transactional problems.

#11 Cex.io

Best for users in regions with limited exchange options

CEX.io was founded in 2013 when the crypto market was below $1 billion. CEX.IO is mostly known for enabling credit card Bitcoin transactions and offering top-rated products like Instant Buy and Exchange.

From crypto-curious individuals to professional crypto traders and institutional partners, according to CEX.IO, it provides purpose-built products for navigating the open finance landscape effortlessly.

Key Features:

• Trading fees: 0.25% maker fee and 0.15% taker fee (under $10,000 30-day trade volume).
• Supported cryptocurrencies: 215+
• Tradable assets: Cryptocurrencies, fiat money, commodities, spot trading, margin trading, and futures trading.
• Advanced trading tools: Orders, technical indicators, charting tools, trading bots.
• Security: Cold storage, multi-signature wallets, two-factor authentication (2FA), firewalls and intrusion detection systems, regular security audits, bug bounty program, data encryption, security awareness training
• Deposits methods: Bank transfers via SWIFT and SEPA for EUR deposits; deposits via Visa and Mastercard credit/debit cards for a variety of fiat currencies; ACH deposits for USD and Faster Payments (FP) deposits for GBP; crypto deposits from wallet to wallet.
• Deposit insurance/protection: None.
• Licenses in EU: VASP in Lithuania, MSB in the UK, licenses to operate in Ukraine, Belarus, Kazakhstan, Kyrgyzstan, Uzbekistan, Armenia, Georgia, Moldova, and Azerbaijan.

Pros:

• Cashback on subscriptions and access to airport lounges.
• Relatively low trading fees.
• Over 80 million users worldwide.

Cons:

• Limited fiat currencies.
• Less liquidity compared to global counterparts.
• It is potentially overwhelming for beginners.

Comparison between top-rated crypto exchanges in Europe

Factors to consider when choosing a crypto platform in Europe

There are a few factors you should consider when selecting a European crypto exchange platform:

Type of platform

Cryptocurrency exchanges come in two primary forms: centralized and decentralized crypto exchanges.

Centralized crypto exchanges (CEXs)

CEXs are operated by a single company, managing custody of your funds akin to traditional stock exchanges. Some users prefer CEXs due to their user-friendly experience, ease of learning, and minimal transaction fees.

Interestingly, CEXs dominate decentralized crypto markets, posing a potential threat to cryptocurrency decentralization.

Decentralized crypto exchanges (DEXs)

In contrast, DEXs lack ownership by a single entity. These platforms utilize smart contracts for trading and do not hold your funds, enhancing security but introducing usability challenges.

Users express concerns about high gas/transaction fees on DEXs, choosing them primarily when fees are lowered, indicating a reluctance to pay for decentralization.

Looking for a DEX? Explore Best Decentralized Crypto Exchanges.

Liquidity

A liquid exchange makes it easy to buy and sell digital currencies. It reduces slippage. This helps traders take advantage of short-term price changes and profit from ups and downs in the crypto market.

Significant signs of good liquidity in a crypto exchange include:

1. High trading volumes
2. Strong order depth
3. A big market share
4. Many different trading pairs
5. Clear liquidity tiers
6. Real-time indicators of liquidity available

Pricing

Before you start, check various transactional fees on the crypto exchange of your choice. Some cryptocurrency exchanges in Europe do not disclose their fees, while others do.

If you can find them, look for these fees:

• Trading fees: Compare the maker and taker fees, withdrawal fees, and any deposit fees. Some platforms offer lower fees for larger trade volumes.
• Spread: This is the difference between an asset’s buy and sell price. Look for platforms with tight spreads, especially if you plan to trade frequently.
• Payment methods: Check if the platform supports your preferred payment methods (e.g., bank transfer, credit card, debit card) and associated fees.
• Withdrawal fees: Some platforms charge a flat fee per withdrawal, which can look high if you want to withdraw less. However, others set a percentage, making withdrawal more expensive for larger amounts.

Also, don’t forget about the exchange rate. It may add a significant amount to your transaction. Want to know how much? Learn How to Calculate the Exchange Rate.

Available cryptocurrencies

The range of cryptocurrencies available is very distinct to the platform. Some offer only the most popular currencies like BTC, ETC, and USDT. On the other hand, other cryptocurrency exchanges may offer 2,500 cryptocurrencies and many other options for crypto assets.

However, the number of digital currencies is not everything. The platforms with more choices can be more expensive. That’s why it’s crucial to assess what digital assets you need to find the best deal.

Regulation

The platform you choose must be compliant. If the crypto exchange doesn’t have the necessary licenses, its operation in various countries can be illegal.

Moreover, the EU’s MiCA Regulation, set in June 2023, establishes a unified legal framework for crypto-assets and services across the EU. According to ESMA, the regulation has many Level 2 and Level 3 measures that must be created before the new rules take effect (within 12 to 18 months, depending on the mandate).

Before getting an account, ensure the platform has all the necessary licences and permits to operate in your country.

Security

Security is a critical aspect of choosing a crypto platform. Ensure that your chosen platform has robust security measures, such as encryption, two-factor authentication, cold storage, regular audit, and insurance coverage.

However, remember that the Federal Deposit Insurance Corporation (FDIC) does not insure cryptocurrency exchanges or cover cryptocurrency directly.

Reputation

Research the platform’s reputation and track record. Check cryptocurrency exchanges on multiple review platforms like Trustpilot and read user thoughts to ensure they offer exactly what they say.

Also, look into their social media. Do these crypto exchanges interact with users and address concerns? Lastly, see if the platform has been featured in positive or negative news articles.

Look for platforms with a strong history of providing reliable services and have not been involved in any significant security breaches or scandals.

How to buy crypto in Europe

To buy crypto in Europe, you can use a European crypto exchange. Here is a step-by-step guide on how to do it:

1. Choose a trusted European crypto exchange that follows regional rules and is regulated for safety.
2. Sign up and verify your account by providing personal details and completing the exchange’s verification.
3. Add funds to your account by depositing money, considering possible bank restrictions on crypto transactions with European exchanges.
4. Buy your chosen cryptocurrency once your account is funded.

📚Looking for where to buy crypto? Check Top Fiat to Crypto Exchanges.

📚Related: Best Crypto-Friendly Banks in Europe

Which European crypto exchanges offer the lowest fees

Here is a short list of crypto exchanges that offer the lowest fees:

• Maker and taker fee: Bitstamp; 0.00-0.06% maker fee and 0.006-0.08% taker fee.
• Swap fee: Coinbase; It’s free.
• Crypto withdrawal: Bitstamp; 0.0001 BCH withdrawal fee.

Methodology: How we chose the top crypto exchanges in Europe

We examined independent sources and user reviews to assess European crypto exchanges, taking into account features, advantages, disadvantages, security, pricing, and compliance. Data was collected from official websites and well-regarded review platforms.

We emphasized crypto exchanges in Europe with lower fees, robust security, and enhanced crypto trading features. Additionally, we evaluated the platform’s user interface and reputation, documenting our observations in the reviews.

Conclusion

In summary, choosing the right crypto exchange in Europe can be a challenge. You need to make up your mind about what you want in advance and analyze all potential options.

To help you, we introduced 11 of the best crypto exchanges in Europe, each with unique strengths. Factors like liquidity, pricing, security, and reputation should guide your choice.

One of the main options is swissmoney. This all-in-one solution provides a secure and user-friendly platform, ensuring a seamless transition between crypto and traditional financial systems.

Explore additional articles on our blog for a deeper understanding of crypto exchanges. These resources enhance your knowledge and support informed decisions in your crypto journey.

Visit our blog today for insightful articles to elevate your understanding of the crypto world.

FAQ

Is cryptocurrency legal in Europe?

The use of cryptocurrencies is not explicitly illegal in many European countries. However, the regulatory landscape is evolving, with the EU and its member states implementing measures to regulate and oversee crypto-assets use.

Can I buy Bitcoin in Europe?

Yes, you can buy Bitcoin in Europe using various methods, including cryptocurrency exchanges and Bitcoin ATMs.

What is the best European crypto exchange to buy Bitcoin?

There is no one answer to what the best crypto exchange to buy Bitcoin is.

However, here are our top 5 picks for usability, safety, and fees:

1. swissmoney
2. Bitstamp
3. OKX
4. eToro
5. Coinbase

What’s the cheapest crypto exchange with the lowest fees in Europe?

For now, the cheapest crypto exchange with the lowest fees in Europe is Bitstamp, with 0.00-0.06% maker fee and 0.006-0.08% taker fee.

Is it safe to buy Bitcoin in Europe?

Buying Bitcoin in Europe can be considered safe if you follow best practices and choose a reputable exchange.

What’s the safest crypto exchange in Europe?

According to different sources, eToro is frequently cited as one of Europe’s safest and best crypto exchanges.

What are the most popular cryptocurrencies for trading in Europe?

The most popular cryptocurrencies for trading in Europe include:

• Bitcoin (BTC)
• Ethereum (ETH)
• Dogecoin (DOGE)
• Tether (USDT)
• XRP (XRP)

Interested in crypto exchanges? Read more:

• Crypto On-Ramps and Off-Ramps: A Comprehensive Guide
• How to Choose Crypto On and Off-Ramp Platform
• How to Exchange Crypto to Fiat
• How And Where to Buy Crypto & Bitcoin in Austria
• Best Crypto Exchanges in Switzerland
• Best Custodial Wallets for Crypto
• The Best Place To Exchange Currency