最近更新：2026/09/16
SpectroCoin Card 是 SpectroCoin 提供的欧元计价 Visa 加密借记卡，分为虚拟卡与实体卡。用户先在平台钱包持有或存入加密资产，将其兑换为欧元后加载至卡片账户，再用于线上购物、实体商户付款、移动钱包支付和 ATM 取现。产品同时连接 SpectroCoin 钱包、资产兑换及个人 IBAN 服务，主要面向欧洲经济区和英国居民。
发行方与公司资质概览
SpectroCoin (spectrocoin.com) 是一家成立于 2013 年的老牌加密货币综合服务平台。 它更像是一个“全功能加密金融门户”，覆盖了从个人钱包到企业支付集成的多种服务。 1. 核心定位与业务模式 全栈金融解决方案： 作为一个多功能平台，SpectroCoin 提供加密货币兑换、数字钱包、借贷服务以及借记卡发行。 商户解决方案 (Merchant Services)： 这是它与您的 IT 公司业务相关度最高的部分。它支持企业客户创建“商户项目”，集成 API、插件或付款按钮，从而让您的网站能接受比特币及其他 50 多种主流加密货币支付，并支持“自动转换为法币”。 2. 合规与法律背景 运营实体： 旗下主要运营实体包括注册于爱沙尼亚的 Spectro Finance OÜ，持有当地虚拟货币服务牌照（许可证号：FVT000185），主要面向欧洲经济区（EEA）用户。 合规机制： 该平台执行严格的 KYC（身份验证）和 AML（反洗钱）流程，要求企业用户在注册时明确选择“Business”账户类型，并提交相关的企业资质文件。
用户完成 SpectroCoin 账户、手机号及身份验证后，可在卡片页面申请虚拟卡或实体卡。卡片账户以欧元计价，不会在消费时直接扣除加密资产；用户须先将 BTC、ETH、USDT 等受支持资产兑换为欧元，再从 SpectroCoin Wallet 免费加载至卡片账户。虚拟卡主要用于线上消费和订阅，实体卡提供芯片、PIN、非接触式支付及 ATM 取现。现行卡片条款允许在技术条件具备时连接 Apple Pay、Google Pay 和 Samsung Pay，并支持境外及非欧元交易。卡片余额属于电子货币，不是银行存款，也不适用立陶宛存款保险。
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域，左右查看全部卡片；左侧项目保持固定
S SpectroCoin Virtual Card | S SpectroCoin Physical Card | |
|---|---|---|
| 卡片类型 | 虚拟卡 | 实体卡 |
| 费用 | ||
| 月费 | 1 EUR 按月收取服务费。 | 1 EUR 按月收取服务费。 |
| 开卡费 | 1 EUR 每张收取。 | 5 EUR 普通邮寄免费。 |
| ATM 取现费 | — | 2 EUR + 2% 按地区币种计算，最低2 EUR。 |
| 货币转换费 | 0% 非欧元或境外交易另收0.5%–1%，采用Visa结算汇率。 | 0.5% 非欧元或境外交易另收0.5%–1%，采用Visa结算汇率。 |
| 充值费 | 免费 钱包加载卡片免费。 | 免费 钱包加载卡片免费。 |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | — | — |
| 加密货币返现 | — | — |
| 质押奖励 | — | — |
| 质押年利率 | — | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | 20% 最高20%手续费分成，仅计买卖币手续费。 | 20% 最高20%手续费分成，仅计买卖币手续费。 |
| 限制 | ||
| 每日支出限额 | 25,000 EUR 线上及商户消费合计。 | 25,000 EUR 线上及商户消费合计。 |
| 每月支出限额 | — | — |
| ATM 取款限额 | — | 2,500 EUR 按单个自然日计算。 |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
31条
不支持或受限开户/功能
33条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：中国大陆居民不可申请；支持地区发行的卡片可在境内 Visa 受理商户和 ATM 使用，并可尝试绑定微信支付及支付宝。
2、香港：中国香港居民不可申请；支持地区发行的卡片可在香港 Visa 线上商户、实体商户、移动钱包及 ATM 使用。
3、澳门：中国澳门居民不可申请；支持地区发行的卡片可在澳门 Visa 线上商户、实体商户、移动钱包及 ATM 使用。
4、台湾：中国台湾居民不可申请；支持地区发行的卡片可在台湾 Visa 线上商户、实体商户、移动钱包及 ATM 使用。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、国民身份证、驾驶证、水电账单、银行对账单
多数资料在数小时内处理，异常或补充资料申请由合规团队人工复核
未公开披露
2026/08/01
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
12项
不支持
0项
数据更新时间
2026/08/01
钱包支付
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
现金服务
更新时间 2026/08/01
AI 工具
更新时间 2026/08/01
AI 工具
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
AI 工具
更新时间 2026/08/01
线下支付
更新时间 2026/08/01
线上购物
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
订阅服务
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
Confirmed crypto payment rejected – funds still unresolved Order: #1658138 Transaction hash:4d163ab33765eeb4bf031a3db6f70dbc233ec1e6ce3a794ab766a03ce32ec944 I am extremely disappointed with my experience involving SpectroCoin and CoinGate Gift Cards. I made a cryptocurrency payment for CoinGate Gift Cards using the payment gateway provided during checkout. The transaction was successfully broadcast and confirmed on the blockchain. The payment was not simply cancelled before being sent. The funds were actually transferred, and the transaction can be independently verified using the transaction hash above. However, the payment was never assigned to my order and the gift card was never delivered. I contacted CoinGate support and provided every piece of information they requested, including verification codes and the complete transaction hash. CoinGate initially told me that the transaction had not been assigned to the order and that they had forwarded the transaction hash to SpectroCoin for investigation. After months of waiting, CoinGate eventually told me that the payment could not be processed because it allegedly did not meet the requirements of the Shopper Disclaimer. What has still not been properly explained is "what happened to the actual funds." I have repeatedly asked for a specific explanation of: * Which exact requirement the transaction allegedly violated * Why the payment was rejected * Whether SpectroCoin actually received and identified the transaction * What happened to the funds after the blockchain transaction was confirmed * What procedure is available to recover or return the funds Instead of receiving a clear transaction-specific explanation, I have been referred between CoinGate and the payment gateway. From a customer's perspective, this is extremely concerning. I am not disputing a normal failed payment where the money never left the customer's wallet. In this case, the blockchain transaction was completed, yet the customer has neither the purchased product nor the funds. Transaction hash: 4d163ab33765eeb4bf031a3db6f70dbc233ec1e6ce3a794ab766a03ce32ec944 Order: #1658138 I have kept the complete email correspondence and transaction information and can provide it to the relevant parties if necessary. I am posting this review so that other customers considering using SpectroCoin for cryptocurrency payments are aware of my experience. I am still willing to resolve this directly and professionally. I am asking for only one of two reasonable outcomes: 1. Process the payment and complete the original order; or 2. Provide a clear and legitimate procedure for returning the funds to the originating wallet. I will update this review if the matter is eventually resolved. Until then, based on my personal experience, I cannot recommend using SpectroCoin for payments where the customer expects a clear and accountable resolution if something goes wrong.
I have contacted with LiveChat
most shady website out there, keeps your money because "you violated the shopper disclaimer" which is nowhere to be seen, no where shown but you automatically agree when purchasing using spectrocoin. they as they please take whatever reason they want where they say "you anonymized" your payment, identity or whatever and just keep your money without refund. dont use this trash provider.
I sent a crypto payment through SpectroCoin’s gateway for a gift card order on "CoinGate Giftcard". The transaction was fully confirmed on the blockchain and sent to the exact address provided by their system. After the payment did not process, I immediately contacted SpectroCoin and provided the transaction hash, screenshots, order details, and all proofs. They kept telling me to “wait” for over a week. When they finally replied, they said the payment “violates the shopper disclaimer” and they are unable to release the funds to the merchant, reverse it, or issue a refund. They gave no specific explanation of which rule was supposedly broken. I was never a direct SpectroCoin customer, I simply used the payment gateway offered at checkout by the merchant. I followed every step correctly and acted in good faith. SpectroCoin is now simply holding the funds with no resolution. This is not an isolated case, many other customers have reported the exact same problem with gift card payments through their gateway. I have asked them to either release the payment to CoinGate or refund it to the original sending wallet address. So far they have refused both. ticket id : #66549 and #66571 payment/order id : REWARDS-48b5d1e1-d5bb-495c-bb49-b9872870df6b-088f765b If you are considering using SpectroCoin as a payment gateway, be very careful. Once they decide not to process a confirmed payment, getting your money back becomes extremely difficult. I will update this review if they finally release the funds or issue a refund. Update : they have refused to refund my money or reverse the transaction or release the payment to merchant, in name of compliance they are stealing users funds. STAY AWAY ITS A SCAM
!!! SCAM PAYMENT PROVIDER !!!
The app is no longer available on the Google Play Store, and their subsidiary Bankera, which uses their debit card service, is implicated in a $46 million financial scandal. It's best to withdraw everything, if they'll let you. L'app non è più disponibile nel PlayStore di Google e la loro consociata Bankera che utilizza il loro servizio di carte di debito è implicata in uno scandalo finanziario per 46 milioni di $. Meglio che prelevate tutto, sempre che Ve lo permettono.
At first, everything seems fine. But once you come across any problem, the help desk takes forever to help. I haven't been able to login to my account again. It's still blocked. (My other computer had the logins) They respond, but don't seem to help. I wouldn't trust this place with my money again.
Very bad service , buggy payment gateway , no way to refresh transaction , tx reached 70 blocks and AI agent was telling me to create a ticket because there are no real people to support. Wasted some money.
SPECTROCOIN Piattaforma fraudolenta che ha sospeso due miei prelievi con motivazioni subdole e superficiali, servizio clienti inefficiente, mail non risposte .soldi spariti e trattenuti da loro in maniera indebita e fraudolenta.PIATTAFORMA TRUFFALDINA RUBA-RISPARMI DELLE PERSONE.
J'ai 5 dépôts par virements bancaires en attente depuis quasi 48h. j'ai reçu un mail du SAV me demandant une information que j'ai fournis en même pas 1h, je n'ai aucun retour du service en question depuis 48h et mes virements sont toujours en attente !!!! Je relance depuis ce matin le SAV qui me fait tourner en rond. Inacceptable et HONTEUX. Si je n'ai pas de retour demain je clôture mon compte et j'adapterais cet avis. UPDATE : Tout c'était bien passé au final, et depuis ce matin, compte restreint. ils m'ont demander des infos et j'ai tout envoyer (3 derniers extraits de compte etc..) j'ai plus de 700€ sur le compte spectrocoin et je peux même plus me connecter au compte.
更新时间：2026/07/12
暂无风险因素
