Ex-Money is this a scam? Review and Customers Reviews

Ex-Money – swift exchangerwhich offers a wide selection of destinations. Developed by a team of professionals, the service offers a site with a user-friendly interface and large reserves. For the convenience of clients, the project operates around the clock, quick technical support is always ready to help and advise on any issues related to the exchange, in the online chat or by mail, indicated on the site. The administration provides individual conditions for large customers. Regular users can also participate in an affiliate program, save with savings discounts and coupons.

Ex-Money is another “anonymous” service whose owner is unknown. It supports 12 types of cryptocurrency units and 4 types of fiat, as well as tokenized assets. Multilingual: not every exchanger can boast of so many language versions (90+). Despite the positive reviews, which are already quite a lot, the young age of the exchanger (only 9 months) makes some customers doubt its reliability. They are worried that they may encounter scammers and lose their money. To find out that Ex-Money is not a scam, study our review.

 

Ex-Money exchange platform

Ex-Money works with cryptocurrencies Bitcoin, Ethereum, Ripple, Litecoin, Tron, Stellar, Monero, Dash, Cardano, Neo, ZCash, Dogecoin, Binance Coin, Tether, USDT, True, EOS, NEM, Waves. Among payment systems listed as Exmo, Perfect Money, QIWI, Yandex.Money, Maincash, Payeer and Advanced Cash. You can also exchange funds with the help of banks Sberbank cards, TinkoffVisa/MasterCard in rubles, tenge, euros, dollars, hryvnia, MIR, VTB, Alphabank, Raiffeisenbank, Otkritie, Gazprombank, Russian Standard, HalykBank, Kaspi Bank, Kazkommertsbank.

This variety of destinations allows you to exchange not only cryptocurrencies, rubles, dollars, euros, but also Ukrainian hryvnias and tenge (How to Make Money on Cryptocurrency?). Today, exchangers are very popular because they allow you to get the title characters to the desired accounts when you top up your wallet with bank card. It is also possible to withdraw electronic money to cash it out.

Since there are more and more exchangers, each of them is trying to offer the best conditions and create new offers for their customers. Ex-Money has developed not only an affiliate system and savings discounts traditional for other companies, but also coupons that allow you to save additional money on exchanges. Among the other pluses of the project are the 24-hour service, quick responses of technical support, detailed information on the website of the service ex-money.cc.

At the top of its home page you can see the main sections of the menu and find buttons for registering and logging into your account. In the middle of the page there is a link to a YouTube video that explains how to properly and quickly exchange funds using the project. Under the video, you can find a section that talks about saving on coupons and a link to a block with details about working with the service. Also on the main page there is an application form for the fastest possible transactions.

At the very bottom there is a button to switch languages, a link to Telegram bot and Bestchange monitoring. In addition, there are “Site Map” and “Rules” buttons, as well as a switch to “Contacts” by the “Support Service” button.

On the “Partners” page the administration tells about the referral attraction system, its levels, and the rules of participation. In addition, there is information about where you can’t use your referral link. There is also a section with details about the accumulative discount system and its levels.

The “Reserves” shows the amounts for each of the destinations that the service has at its disposal. It is them that you should pay attention to before making an application. If the specified amount is not enough for the client, he can request the execution of the reserve. After the administration adds the necessary reserve to the specified account, the user will receive an email notification of the top-up. After that he will be able to make a transfer in the desired direction for the required amount.

In the “Reviews” section you can read the comments of customers who have already used the exchanger’s services and transferred title units using it. Any client who wants to share his/her experience with the project can also leave his/her own feedback by filling out the appropriate form, indicating only the name and the text of the message.

The contact page has a contact form where you can leave your question or request. There are also emails for technical questions and an address to contact if you need large volumes of transfers or want to cooperate with the exchanger. The service has developed a bot in Telegram, its name is on the same page.

The “Rules” traditionally contains a user agreement with the text, which should be read by every user who is going to make transactions with the help of the service. The FAQ section contains answers to popular customer questions. They concern coupons, verification, non-receipt of funds, application validity period and other points.

The “Site Map” does not contain links to all pages of the resource, but only links to exchange directions and questions in the FAQ section. From this block, you can go to the transaction page by clicking on the corresponding direction.

Ex-money combines the advantages and disadvantages of instant exchangers. You spend minimum time to buy/sell currencies. All possible assets are available: fiat, crypto, tokens – a total of 20+. Conveniently, there is no need to create a cryptocurrency wallet at all (although this way of depositing c.u. is supported), you can buy virtual currencies from your card, payment system or even cell phone. Ex-Money has an interesting bonus program:

• Discount coupons (reduce the cost of the commission) and a savings system (cashback to the account);
• referral program of remuneration for clients who have come on your recommendation (link).

However, we have seen absolutely identical conditions in another exchanger – 24PayBank, so there is a high probability that both platforms are created by the same team.

E-money exchange at ex-money.cc

Ex-Money works with Bitcoin, Ethereum, Ripple, Litecoin, Tron, Stellar, Monero, Dash, Cardano, Neo, ZCash, Dogecoin, Binance Coin, Tether, USDT, True, EOS, NEM, Waves. Exmo is listed among the PS, Perfect Money, QIWI, Yandex.Money, Maincash, Payeer, and Advanced Cash. You can also exchange funds with Sberbank, Tinkoff, Visa/MasterCard in rubles, tenge, euros, dollars, hryvnia, MIR, VTBAlphabank, Raiffeisenbank, Otkritie, Gazprombank, Russian Standard, HalykBank, Kaspi Bank, Kazkommertsbank.

Applications are processed 24 hours a day, 7 days a week. Money is credited in 5-15 minutes. The period of validity of the application ends after 15 minutes. If the transfer is received after this deadline, the amount of currency to be purchased will be recalculated at the current exchange rate. If the payment did not complete in 15 minutes, the client may have closed his browser or forgotten to click “I paid” after the payment. If the user is sure that he/she did everything correctly, he/she should go to the website of the service using the link sent to the email to check the status of the transaction and contact technical support.

Receiving applications

The exchange request form is on the home page ex-money.cc and in the “Exchange” section. It has 2 columns for specifying the amounts, under which you must select the system. After that the lines with the amounts will indicate the minimum available for sending, and the maximum for receiving. There is also a rate and the average time of enrollment in the order form. Having specified the data for sending, it is necessary to tick the box to agree with the rules and newsletter (if desired), then click on the button “Create application” and follow further instructions.

ExMoney Commission

Transaction fees charged by the exchanger are already included in the cost of the transaction and are not specifically spelled out. Despite the fact that the advertising phrase is “no hidden fees,” discounts appear in the bonus program for some reason. Since they cannot be deducted by the banks and payment services, the only thing left is the Ex-money percentage, from which the gift amount can be deducted. In addition, the operator does not compensate for transaction fees charged by third parties (payment services).

Currency of operations

Ex-Money works with rubles, dollars, euros, hryvnias, tenge and cryptocurrencies.

 

How to buy cryptocurrency on ExMoney platform

To buy cryptocurrency on the Ex-money platform, you use the online form on the main page of the exchanger. You choose deposit and withdrawal method, specify details, sender’s name and email address, recipient’s wallet number and accept the service’s policies.

Authorization is optional, but by creating an account, you become a member of the bonus and referral programs. To register, you need to enter your email address (you will subsequently receive an email with a link for confirmation), choose a password, and, again, agree to the terms of use of the service. Your personal cabinet will display your applications, accruals, affiliate materials (referral link) and balance.

Terms of buying cryptocurrency

When registering, you specify the data of the payment service, but do not confirm the age of majority. We have to admit that there is no age limit in Ex-Money.

Exchange requests are reserved for 15 minutes. If during this time the transfer to buy currency is not received, the amount will be recalculated at the current rate of the platform. Four types of fiat currency are supported: Russian rubles, American dollars, euros and Kazakhstani tenge. There are 12 virtual currency units: Bitcoin, Bitcoin Cash, Exmo Bitcoin, Ethereum, Litecoin, Stellar, Dash, Neo, Dogecoin, Tether Omni, EOS, USD Coin. Available tokens. The commission is included in the transaction fee, but can be reduced based on user activity (according to the terms of the bonus program).

Deposit and withdrawal limits

Limits (reserves) in Ex-Money, as well as in its “twin” 24PayBank, are set according to the type of asset and method of deposit. Minimum you can deposit from 5000 RUB/0.00757486 BTC/0.40405541 ETH/1.21378357 LTC/1158.902017 XLM/1.11691778 DSH and other equivalents. The maximum limit has too wide a spread. For example, through the bank Russian Standard – it is 5 982 297 rubles, and with Sberbank already 25 744 844. For dollar and euro accounts, the limits are roughly proportional, but not all deposit methods are supported.The lower limit of withdrawal is not stipulated in the terms. The administration is likely to specify it on a case-by-case basis.

 

Verification

To ensure maximum security, the service conducts verification of bank cards. This is a measure confirming that it is the cardholder who transfers the funds. Because of the frequent cases of fraud it was decided to conduct this procedure.

In the “Frequently Asked Questions” it says that the administration asks for confirmation of the user’s identity (a photo of the bank card against the background of the open site ex-money.cc) when transferring funds. And in the user agreement there are clauses. 3.3.6 and 3.3.9 mentioning this. But the system doesn’t ask anything when making a transaction. It looks like this requirement is selective or stated just for the sake of appearance. Verification allows you to make sure that the card is in the hands of the person who makes the exchange at the service. In order to pass it, you need:

• Take a picture of the card against the background of ex-money.cc (the first 4 digits and the last 4 digits of the card, full name must be visible, the rest of the data can be hidden).
• Upload a photo to the project site.
• Wait for the procedure to take place. This step takes no more than 3 minutes.

If the card fails the test, the administration will provide the reason. The client will be able to download the card again to meet the conditions. You can also register to use discounts, coupons and participate in the referral program. In the personal office, the page “Applications” with the history of transactions, “Accruals” with the partner link and interest at the moment, and “Balance” with a personal account are available. There is also an opportunity to enter details of different systems for autofilling data when making requests. Affiliate materials in the form of banners of different sizes are also available to place on your resource.

 

ExMoney Bonuses

On the service ex-money.cc offer an affiliate program, a cumulative discount and coupons. Every time you make an exchange operation you reduce the commission for the following transactions by 0.05%-0.20% (in the latter case the amount of transaction must exceed 40 000 dollars). You can use the coupon within 24 hours after receiving it. In this way, the service provider encourages you to use his platform regularly. But there is no cashback here, unlike 24PayBank.

Affiliate Program

The referral program of the exchanger has 2 levels. Any user who creates an account on the site can become a member. After registration, a partner gets promotional materials and a link in the cabinet in the “Partner materials” section. Everyone who invites a new client to cooperation will receive a percentage of the service profit. Besides, a percentage is provided for users, attracted by referrals. Remuneration system:

The remuneration is not credited for the requests for which the service does not receive income. Also, it is not charged for transactions that brought the service a profit of less than 0.6%. To withdraw bonuses you need to have at least 5 referrals, each of them must have 1 or more processed requests. Payment of charges is made within 48 hours after request creation.

Accumulative discount

There is a savings system at the service. The size of the discount depends on the volume of transactions. All payments of the user are taken into account. Everyone who is registered at the exchanger automatically receives a discount of 0.05%. Its size will grow as the number of exchanges increases. Below are the categories of the savings system:

 

Coupons

The coupon is a code that gives an additional discount of 0.05%. It is added to the personal discount already accumulated in transactions, if provided. The coupon is sent in the mail after a successful exchange. It can be used once within 24 hours of receipt.

 

Complaints about Ex-money

Despite the fact that the service is young, reviews about it on official platforms, where each comment is moderated, and complaints are given a reasonable response, quite a lot. And most of them are positive.

From the reviews on monitors you can understand that customers are satisfied with the exchanger. They like the prompt work, technical support at any time of the day, loyal rates. There are almost no complaints about the project. Single problems indicate that the service is working steadily and reliably.

Only in a few cases we found problems with the transfer when the funds were debited but no conversion was made. However, according to Ex-money clients themselves, everything was resolved successfully.

In all other reviews, people praised the platform for its convenience, speed of transactions and ease of making them.

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Regulation ex-money.cc

Transactions that are associated with the exchange of cryptocurrencies and digital money can only be carried out by services that have received authorization documentation. Such services include a certificate WebMoney and licenses of other payment systems. Information about them should be on the company’s website, but if there is no such information, the client can request it from the administration of the project.

The regulation of cryptocurrency exchangers is a complex and delicate issue, because the legal provisions for virtual currencies have not been fully established almost anywhere. Therefore, many companies continue to operate without a license. Let’s see if the owners of Ex-money are among them.

Exmoney Regulator

The site Ex-money has no information about the WebMoney certificate or other certificates. If the client is interested in this point, he can ask the service operators about it. There are also no certificates confirming the legality of the resource and no references to the company behind the service. Any legal relationship between its users and the administration is resolved within the framework of the agreement. We have to admit that this is an offshore operator.

Where to complain about Ex-money?

Complaints are accepted by mail, online chat, or Telegram. You can also report problems on this page.

Customer Service

Ex-money provides technical support in the following ways:

• by e-mail: [email protected];
• via online chat;
• via Telegram-bot: @ExMoney_official_bot.

User Agreement ex-money.cc

You can read the agreement in the “Rules” section. The page has a convenient section-by-section navigation for quick navigation to the necessary item of the document. It contains general provisions, the subject of the agreement and obligations of the parties. Ex-money User Agreement (“Rules of exchange”) includes 9 sections regulating the legal relations between the exchanger’s client and its owners. Let’s look at several clauses of the document. So, in point 3.1 you can see that among the duties of the operator are to ensure the successful completion of the transaction, technical/information support and non-disclosure of personal data.

If necessary, ex-money.cc can be temporarily closed (clause 3.3.1). Discounts, bonuses and commissions are set at the provider’s discretion (clauses 3.3.3-3.3.4). In addition, you can be denied services without giving a reason (clause 3.3.5).

E-money is not responsible for the legality of the storage of funds (clause 4.2).

Your transaction is canceled in two cases: if the amount that is specified in the transaction differs from the amount you entered in the exchanger (point 5.4) and when sending funds from a third-party account (point 5.6). For incorrectly filled in details, when the payment is returned to the owner, a fine of 2% of the transaction amount is charged (point 5.5).

Interestingly, using the service to create multiple bids to make money on exchange rate differences is prohibited (clause 9.7). Why the exchanger is needed then is not quite clear, because most people use cryptocurrency just for the purpose of making profit.

Rules of Agreement:

If the client changed the notes to the payment or sent money from another account, the operation can be blocked. In this case, the refund is made after the user’s request, minus the commission and 1% of the payment amount. Liability and guarantees:

 

Is Ex-money a scam?

Ex-money – exchanger, which has been operating for less than a year. But in such a short time it has managed to establish itself as a reliable project, which quickly and accurately performs its duties. The administration offers customers not only reliable exchanges, but also the opportunity to save and earn money on affiliate program, coupons and discounts.

Such work of the service deserves positive reviews, which constantly appear. Additional pluses are a lot of directions and round-the-clock technical support. This allows you at any time to ask a question about the points of interest related to the exchanges. All advantages of the service allow us to conclude that Ex-money is not a scam, but a safe project and a convenient, fast platform with a wide range of assets and ways to deposit/withdraw money.

 

Conclusion

Despite the fact that Ex-money A very young exchanger, many clients are already using it and they are satisfied. They like the technical support, which answers all questions quickly and at any time of the day, loyal rates and many directions. They can’t help but be happy about the possibility of earning on the affiliate program, savings discounts and coupons, which allow additional savings on exchanges.

Ex-money, with the exception of certain points (for example, the fact that in many ways it is a copy of 24PayBank), showed itself quite well: convenient and concise site, registration in 1 minute, good functionality and positive assessment of the Internet audience. e-Voucher Terms and Conditions copied from 24PayBank. In our purely subjective opinion, it justifies the hopes of consumers of the resource, which will appeal to fans of investing in cryptocurrency. Definitely recommend the exchanger to use. We only advise, as usual in such cases, to start with small amounts and not to go on the desire to earn a discount on the savings system of the service. Users who have already managed to exchange funds via this service, can leave their opinion about its work on this page. Such comments help other customers to choose exchangers, as well as affect the overall rating of projects, which can be used to judge the safety and reliability of a particular service.