# SplitNOW review: KYC policy, privacy and safety grades

> SplitNOW is an aggregator operating since 2025. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 6.0/10 for privacy (fair) and 3.4/10 for safety (poor). In its favour: no account needed, no email needed and no phone number. To watch: it screens deposits, passes orders to partner exchanges and holds your funds while you use it. No incidents are on record.

Source: NoKYC Score, "SplitNOW review", reviewed 22 Oct 2026, https://nokycscore.com/service/splitnow

## Key facts
- **Category:** Swap Aggregators
- **KYC level:** 1 of 4: No ID mentioned
- **Grades:** Privacy 6.0/10, Safety 3.4/10
- **Sign-up:** No account needed
- **Custody:** custodial
- **Fees:** Service fee of at most 1%, plus partner exchange and network fees (per terms)
- **Limits:** Up to 100 destination wallets per order
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://splitnow.io

## What it is
SplitNOW takes a single deposit and delivers swapped coins to up to 100 wallets, sourcing rates from partner instant exchanges and centralised exchanges. No account is required. Its AML policy says the service never requires KYC documentation or identity verification and instead profiles risk from the source of deposit funds and usage patterns with transaction-monitoring tools; listed consequences of a violation are rejection, suspension or a mandatory refund. Orders are executed by third-party exchanges that apply their own policies, and the terms note orders may be halted by provider limitations. No operating company or governing country is named.

## What the terms say about ID
AML policy section 4.1 says SplitNOW works "despite never requiring KYC (know-your-customer) documentation or identity verification"; partner exchanges that execute the legs have their own policies.

## Features and warnings
- **Identity:** ID never required: not stated; No account needed: yes; No email needed: yes; No phone number: yes
- **Payment:** Accepts Monero: yes; Accepts Lightning: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: no; Own liquidity: no; Refund without ID: not stated; Independent audit: not stated; Company named: no; 5+ years operating: not stated
- **Warnings:** May ask for ID: not in terms; Screens deposits: yes; Passes orders to partners: yes; Holds your funds: yes; Email required: not in terms; Phone number required: not in terms; Nobody accountable: yes

## Questions
### Does SplitNOW require KYC?
SplitNOW is rated KYC level 1 of 4 on this site: no ID mentioned. AML policy section 4.1 says SplitNOW works "despite never requiring KYC (know-your-customer) documentation or identity verification"; partner exchanges that execute the legs have their own policies.

### Is SplitNOW safe to use?
SplitNOW has a Safety grade of 3.4 out of 10 and a Privacy grade of 6.0 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is SplitNOW legit?
SplitNOW is a working aggregator that has operated since 2025. Its operators do not publish a company or names, so nobody is publicly accountable for it. Being real is not the same as being safe: its Safety grade here is 3.4 out of 10, built from custody, liquidity, track record and incidents.

### Is SplitNOW a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for SplitNOW.

### Do I need an account or email to use SplitNOW?
No account needed.

### What fees does SplitNOW charge?
Service fee of at most 1%, plus partner exchange and network fees (per terms). Fees were recorded from SplitNOW's own pages and can change; check before you send.

### What are SplitNOW's limits?
Up to 100 destination wallets per order.

### Does SplitNOW have a Tor onion address?
No official onion address was found on SplitNOW's own pages.

### Which cryptocurrencies does SplitNOW support?
SplitNOW supports ETH, SOL, BNB, XMR.

### Is SplitNOW custodial?
Yes. SplitNOW holds funds during a trade, which means it is able to delay or freeze them.

### Can I use SplitNOW over Tor?
SplitNOW does not publish an official onion address.

## Sources
- https://splitnow.io
- https://splitnow.io/terms
- https://splitnow.io/aml-policy

How grades are calculated: https://nokycscore.com/methodology