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.
USDT / USDC / BTC / ETH / SOL / XRP / ADA / DOGE / TRX / AVAX / DOT / LINK / MATIC / ATOM / LTC / BCH / DAI / XLM / UNI / EUR
Last updated
Aug 1, 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.
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.
Card variants and fee differences
Compare verified fee records across card forms and tiers
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SSpectroCoin Virtual Card
SSpectroCoin Physical Card
Card form
Virtual card
Physical 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
VISA
VISA
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
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
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。
Updated: Aug 1, 2026
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
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.
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
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.
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
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.
