SpectroCoin Card Review

    KYC: FullVirtual/PhysicalEU
    3/ 5
    Get Card SpectroCoin Card
    Live pricesvia CoinGecko
    BTC$59,965▼ 0.29%
    ETH$1,574▼ 0.18%
    XRP$1.05▼ 0.13%
    USDT$0.9986▼ 0.01%

    Quick verdict

    SpectroCoin Card is best for european users. Choose it if eu-based crypto holders who want a straightforward debit card linked to their spectrocoin wallet. Avoid it if us-based users (not available).

    Key Specifications

    Conversion Fee0–3%
    Monthly Fee€1/month
    Cashback—
    KYC RequiredFull
    ATM Withdrawals€2.50 per withdrawal
    Supported CoinsBTC, ETH, USDT, XRP
    Available InEU
    Card NetworkVisa
    Virtual CardYes
    Apple/Google PayNo
    Spending LimitsMedium

    Score Breakdown

    Fees
    3.0
    Cashback
    1.5
    Privacy (KYC)
    2.0
    Coverage
    2.0
    Speed
    3.0
    Overall
    3.0

    Methodology: scoring weighs fees, rewards, KYC requirements, regional coverage, and issuance speed. Each subscore is on a 0–5 scale.

    Pros & Cons

    Pros

    • Established platform since 2014
    • IBAN account included
    • Supports BTC, ETH, XRP, USDT
    • Virtual and physical card options

    Cons

    • €1 monthly service fee
    • 3% FX fee on non-EUR transactions
    • EU-only availability
    • No cashback program

    Fee & Cashback Calculator

    $1,000/month
    Annual fees
    −$180
    Annual cashback
    +$0
    Net per year
    -$180

    You earn $507/year less than the average crypto card. Estimates assume top-cashback tier is achieved.

    Where You Can Use It

    Network
    Visa — Accepted at 100M+ Visa merchants worldwide
    ATM withdrawals
    €2.50 per withdrawal
    Apple Pay / Google Pay
    Not supported
    Online purchases
    Yes — works at any online store
    Recurring subscriptions
    Yes — virtual card friendly
    Available regions
    EU

    How SpectroCoin Card Compares

    CardFeeCashbackKYCScoreView
    SpectroCoin CardThis card0–3%—Full3—
    Bitsa Card1–2%Up to 15%Full3.6Compare
    Volet Card1–4%—Full3Compare
    Blackcatcard1–3%—Full3Compare

    SpectroCoin Card Overview

    SpectroCoin Card is a Visa debit card from the Lithuanian crypto exchange SpectroCoin. It lets you spend BTC, ETH, and other cryptos at any Visa merchant with auto-conversion to EUR.

    Who is it for?

    EU-based crypto holders who want a straightforward debit card linked to their SpectroCoin wallet.

    Key Features

    Visa debit card, supports BTC/ETH/XRP/USDT, auto-conversion to EUR, virtual and physical options, IBAN account available.

    Limitations

    3% FX fee for non-EUR transactions. Monthly service fee of €1. Limited to EU.

    How to Get SpectroCoin Card

    1. 1

      Create a SpectroCoin account

      ~5 min· Email + phone
    2. 2

      Complete identity verification and provide TIN

      ~10 min· ID + selfie
    3. 3

      Order your virtual or physical card

      ~5 min· Account access
    4. 4

      Top up with crypto and start spending

      Instant· Crypto deposit

    Who Should Skip This Card

    Consider an alternative if…
    • • US-based users (not available)
    • • Anyone seeking cashback or rewards
    • • Privacy-first users who want to skip KYC
    • • Users who need a card today

    Frequently Asked Questions

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