Short answer
Swap.bz shows a **service fee** in the quote before you send:
- **Standard — 0.5%**
- **Private — 1%** (extra hops, often via Monero)
Network fees on the send and receive chains are **extra** and depend on congestion.
Standard vs Private
Standard (0.5%)
Best when you want the clearer cost and a more direct route. Fast pairs (for example many stablecoin legs) can finish in minutes after detection; BTC and XMR wait on confirmations.
Private (1%)
Optional mode for multi-hop routing to reduce a simple on-chain link between deposit and payout wallets. Typical time is longer (often roughly 15–45 minutes). It is **not** a mixer and does **not** make funds “untraceable.”
How to compare fairly
- Fix the pair and amount
- Note the **receive amount** on Swap.bz
- Dual-quote another exchanger the same day
- Send on the better net after network fees
Next step
Open /fees for the product page, or go straight to /swap / swap.bz/swap/btc-to-xmr.
Frequently asked questions
What is the Swap.bz Standard fee?
0.5% service fee on Standard swaps. Blockchain network fees are separate.
What is Private Swap?
Optional 1% mode with multi-hop routing (often via XMR) to reduce a simple deposit-to-payout link. It is not a mixer and not a legal anonymity guarantee.
Do I need an account to swap?
No. Create a quote, send to the deposit address, receive in your wallet. Partners may still pause a flagged deposit.