SpectroCoin Card
by SpectroCoin
- Monthly fee
- $1.15
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- No
Our verdict
SpectroCoin is a Lithuanian crypto company that has offered a Visa debit card since 2014. It covers basic crypto spending in EUR at moderate fees and suits EU residents who want straightforward crypto-to-fiat conversion, though KYC is required and rewards are limited.
What we like
- +In business since 2014
- +Regulated in the EU (Lithuanian license)
- +Simple and straightforward service
- +Virtual and physical cards
- +SEPA bank transfers supported
Watch out for
- −Full KYC required
- −1.5% conversion fee
- −Spending in EUR only
- −Limited cashback rewards
- −Basic feature set
4.4/10
Editor score
Poor
3.0/10
User rating
Based on 32 sources
Lv 3
KYC Level
ID verification
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- $1.15
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- 3%
- Top-up Fee
- Free
- Decline Fee
- $0.12
Limits
- Daily Spend
- $25,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $2,500
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
3.0/10
Sourced from
This is a fully custodial, compliance-first Visa product that works acceptably only for verified EEA users with clean risk profiles. Reviewers credit its high limits (EUR 25,000 daily POS and EUR 2,500 ATM), free EUR point-of-sale spending within the EEA, free wallet loads and a personal Lithuanian IBAN with Apple Pay support. Sentiment turns negative on account freezes and repeat KYC checks that leave funds stuck for months, effective crypto-to-EUR costs that users put at 4% to 5% after spreads, a 2.5-star Play Store app with unreliable email 2FA, the lack of cashback or perks and boilerplate customer support. OCCRP reporting on the ICO proceeds of sister brand Bankera adds a notable trust concern.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum
Frequently asked questions
Does the SpectroCoin Card require KYC?
Yes. SpectroCoin asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the SpectroCoin Card charge?
The card has a monthly fee of $1.15, an issuance fee of free, a top-up fee of free, an FX fee of 3%. See the fee table above for ATM and decline fees.
Does the SpectroCoin Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the SpectroCoin Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the SpectroCoin Card support?
BTC, ETH, XRP, LTC, XLM.
Last updated August 19, 2026, verified August 10, 2026.