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SpectroCoin Card

Updated: Sep 16, 2026

The SpectroCoin Card is a euro-denominated Visa crypto debit card offered by SpectroCoin and available as a virtual or physical card. Users first hold or deposit crypto assets in the platform wallet, exchange them for euros, and load them into the card account for online shopping, in-store merchant payments, mobile wallet payments, and ATM withdrawals. The product also connects to the SpectroCoin wallet, asset exchange, and personal IBAN services and is primarily intended for residents of the European Economic Area and United Kingdom.
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Card network
Product type
Crypto debit card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDTUSDCBTCETHSOLXRPADADOGETRXAVAXDOTLINKMATICATOMLTCBCHDAIXLMUNIEUR
Last updated
Sep 16, 2026

Official and company information

Issuer identity and company credentials

SpectroCoin (spectrocoin.com) is an established cryptocurrency comprehensive service platform founded in 2013. It is more like a "full-featured crypto financial portal," covering services from personal wallets to enterprise payment integration. 1. Core positioning and business model Full-stack financial solutions: As a multi-functional platform, SpectroCoin offers cryptocurrency exchange, digital wallets, lending services, and debit card issuance. Merchant Services: This is the most relevant part for your IT company business. It supports business clients in creating "merchant projects," integrating APIs, plugins, or payment buttons, allowing your website to accept Bitcoin and over 50 other major cryptocurrencies, with support for "automatic conversion to fiat." 2. Compliance and legal background Operating entities: Its main operating entities include Spectro Finance OÜ, registered in Estonia, holding a local virtual currency service license (license number: FVT000185), primarily serving users in the European Economic Area (EEA). Compliance mechanisms: The platform enforces strict KYC (identity verification) and AML (anti-money laundering) processes, requiring business users to explicitly select the "Business" account type during registration and submit relevant corporate qualification documents.
Visit website Application page
Company / issuer
SpectroCoin
Legal name
Spectro Finance OÜ
Registered region
Lithuania (LT)
Headquarters
Estonia
Company type
Crypto exchange
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After completing a SpectroCoin account setup, phone number verification, and identity verification, users can apply for a virtual or physical card from the card page. The card account is denominated in euros and does not directly debit crypto assets at the time of purchase. Users must first convert supported assets such as BTC, ETH, and USDT into euros, then load them from SpectroCoin Wallet into the card account at no charge. The virtual card is mainly intended for online spending and subscriptions. The physical card supports chip, PIN, contactless payments, and ATM withdrawals. The current card terms allow connections to Apple Pay, Google Pay, and Samsung Pay where technically available and support international and non-EUR transactions. The card balance is electronic money, not a bank deposit, and is not covered by Lithuanian deposit insurance.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

SpectroCoin Virtual Card
SpectroCoin Physical Card
Card formVirtual cardPhysical card
Fees
Monthly fee
1 EUR
Monthly service fee.
1 EUR
Monthly service fee.
Card issuance fee
1 EUR
Charged per card.
5 EUR
Standard shipping is free.
ATM fee—
2 EUR + 2%
Calculated by regional currency, minimum 2 EUR.
Foreign exchange fee
0%
Non-EUR or foreign transactions incur an additional 0.5%–1%, using Visa settlement rate.
0.5%
Non-EUR or foreign transactions incur an additional 0.5%–1%, using Visa settlement rate.
Top-up fee
Free
Loading card from wallet is free.
Free
Loading card from wallet is free.
Failed transaction fee——
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus
20%
Up to 20% fee share, only on buy/sell crypto fees.
20%
Up to 20% fee share, only on buy/sell crypto fees.
Limits
Daily spending limit
25,000 EUR
Online and merchant spending combined.
25,000 EUR
Online and merchant spending combined.
Monthly spending limit——
ATM withdrawal limit—
2,500 EUR
Calculated per calendar day.
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

31
IrelandIECroatiaHRLatviaLVGermanyDEBelgiumBERomaniaRONorwayNOItalyITSwedenSELuxembourgLUNetherlandsNLAustriaATSpainESSloveniaSISlovakiaSKFinlandFICzechiaCZDenmarkDKEstoniaEEMaltaMTLiechtensteinLIUnited KingdomGBPortugalPTGreeceGRHungaryHULithuaniaLTPolandPLCyprusCYBulgariaBGIcelandISFranceFR
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

33
NamibiaNAEcuadorECCambodiaKHMoroccoMABoliviaBOKuwaitKWPakistanPKJordanJOLesothoLSNorth MacedoniaMKSerbiaRSSaudi ArabiaSAIndiaINDominican RepublicDOEl SalvadorSVEgyptEGChinaCNAlgeriaDZGhanaGHKazakhstanKZColombiaCOIraqIQThailandTHIranIRIndonesiaIDTaiwanTWMacaoMOLebanonLBBangladeshBDHong KongHKQatarQAGeorgiaGEAfghanistanAF
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents are outside SpectroCoin’s current card-issuance region, which is limited to its listed European markets, but an eligible SpectroCoin Card issued elsewhere can be used in the United States.
2. United Kingdom：Can apply，Can use，SpectroCoin explicitly includes the United Kingdom in its current card-issuance list, and eligible residents can order the card after completing the required account and identity verification.
3. Canada：Cannot apply，Can use，Canada is outside SpectroCoin’s current European card-issuance coverage, but a card issued to an eligible user can still be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents are outside the current SpectroCoin Card issuance region, while an eligible card issued in a supported European country can be used in Australia.
5. South Africa：Cannot apply，Can use，South Africa is not included in SpectroCoin’s current card-issuance countries, but an eligible SpectroCoin Card can still be used there.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot obtain the card under the current European issuance program, while a card issued to an eligible user can be used locally.
7. Ireland：Can apply，Can use，Ireland is explicitly included in SpectroCoin’s supported card-issuance countries and residents can order the card after completing the required verification.

Updated: Sep 16, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Utility bill / Bank statement

Review time / regional limits

Most applications are processed within hours; abnormal or supplementary document requests are manually reviewed by the compliance team.

KYC provider

Not publicly disclosed

Updated

Aug 1, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 1, 2026

Wallet payments

Alipay

Supported

Aug 1, 2026

Wallet payments

Apple Pay

Supported

Aug 1, 2026

Cash services

ATM withdrawal

Supported

Aug 1, 2026

AI tools

ChatGPT

Supported

Aug 1, 2026

AI tools

Claude

Supported

Aug 1, 2026

Wallet payments

Google Pay

Supported

Aug 1, 2026

AI tools

Midjourney

Supported

Aug 1, 2026

In-person payments

Offline POS

Supported

Aug 1, 2026

Online shopping

Online shopping

Supported

Aug 1, 2026

Wallet payments

PayPal

Supported

Aug 1, 2026

Subscriptions

Subscription payment

Supported

Aug 1, 2026

Wallet payments

WeChat Pay

Supported

Aug 1, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
saeidtrustpilot★ 1 / 5

Confirmed crypto payment rejected

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.
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Muayad Qrennstrustpilot★ 5 / 5

I have contacted with LiveChat with agent Wilson, and he admired me with his responses and how fast he is to solve my issue, I would rate this guy 10/10 tbh

I have contacted with LiveChat
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Roberttrustpilot★ 1 / 5

crypto scammers

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.
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Eko Prasetyotrustpilot★ 1 / 5

SpectroCoin holding my confirmed crypto payment worth $115, refusing to release or refund

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
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John Qtrustpilot★ 1 / 5

Received my crypto payment, refused refund and order completion

!!! SCAM PAYMENT PROVIDER !!!
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Massimo Bellussitrustpilot★ 1 / 5

The app is no longer available on the…

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.
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Klanttrustpilot★ 1 / 5

Do not trust this place

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.
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Christrustpilot★ 1 / 5

Very bad service

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.
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Shreka Laneratrustpilot★ 1 / 5

SPECTROCOIN Piattaforma fraudolenta

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.
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Rayane Erraquitrustpilot★ 1 / 5

VIREMENTS EN ATTENTE

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.
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Risk factors

Updated: Jul 12, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does SpectroCoin Card require KYC?

Our record lists the SpectroCoin Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does SpectroCoin Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up SpectroCoin Card with?

Our record lists SpectroCoin Card support for: USDT, USDC, BTC, ETH, SOL, XRP, ADA, and DOGE (20 in total).

Is SpectroCoin Card a virtual or a physical card?

SpectroCoin Card is offered as: Virtual card and Physical card.

Where is SpectroCoin Card available?

Our record lists 31 countries or regions as available and 33 as restricted. Country-by-country status is in the regions section of this page.

Who issues SpectroCoin Card?

SpectroCoin Card is operated by SpectroCoin on the Visa network.