When exchanging crypto, you often have to choose between a fixed rate and a floating rate. Each has its pros and cons depending on market conditions. To see how these rates differ in practice, browse all exchange rates and look for rate type icons.
Fixed vs Floating Exchange Rates
Compare different rate types and learn which one is better for your trading strategy.
Last updated: 2026-07-13
Fixed Rate
The rate is locked at the moment of order creation. This protects you from price drops during the transaction. However, fixed rates are usually slightly higher to cover the exchanger's risk.
Floating Rate
The rate is determined when the transaction is confirmed on the blockchain. This can be better if the price moves in your favor, but risky if it drops. Floating rates are often closer to the market price.
Which One to Choose
Use fixed rates for peace of mind and when you need an exact amount. Use floating rates in stable markets or when you want to minimize service fees. For more tips, see our safe exchange guide.
Check the final receive amount
Do not compare an offer by the headline rate alone. Review the calculated amount, network fee notes, payment method conditions and the exchanger reserve before confirming the order.
Review limits before sending funds
Minimum and maximum limits decide whether an offer is practical for your amount. If your transfer is close to the limit, choose an exchanger with a wider operating range.
Rate type selection checklist
Check the "lock" time for fixed rates (usually 15-30 mins).
Understand the risk of price volatility with floating rates.
Compare the initial offer for both types for your pair.
Consider the network speed (slow networks favor fixed rates).
Compare the final receive amount, not only the headline rate.
Check reserve, minimum amount and maximum amount.
Common questions
Why is the fixed rate usually higher?
Exchangers add a small premium to protect themselves from market volatility while your transaction is being confirmed.
Can a floating rate change significantly?
Yes, if the market is volatile and the network is slow, the final rate can differ by several percent from the initial estimate.
Why can the best offer change so quickly?
Exchangers update rates, reserves and limits as market prices and liquidity change. Refresh the comparison shortly before creating an order.
Related category
Compare current offers before you exchange
Open live rates, check reserves and choose the route that fits your amount and payment method.
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