Tras completar la creación de una cuenta de SpectroCoin y verificar el número de teléfono y la identidad, el usuario puede solicitar una tarjeta virtual o física desde la página de tarjetas. La cuenta de la tarjeta está denominada en euros y no descuenta directamente criptoactivos al efectuar una compra. El usuario debe convertir primero los activos compatibles, como BTC, ETH y USDT, a euros y después transferirlos gratuitamente desde SpectroCoin Wallet a la cuenta de la tarjeta. La tarjeta virtual está destinada principalmente a compras en línea y suscripciones, mientras que la tarjeta física ofrece chip, PIN, pagos sin contacto y retiros en ATM. Las condiciones vigentes de la tarjeta permiten conectarla con Apple Pay, Google Pay y Samsung Pay cuando las condiciones técnicas lo permitan, y admiten transacciones internacionales y en monedas distintas del euro. El saldo de la tarjeta constituye dinero electrónico, no un depósito bancario, y no está cubierto por el seguro de depósitos de Lituania.
Visa experiencia de tarjetaDisponibilidad regionalLas condiciones pueden cambiar
Aviso: No hay avisos adicionales.
Variantes y diferencias de comisiones
Compara registros de comisiones verificados entre formatos y niveles
↔Arrastra o desliza la tabla para ver todas las tarjetas; las etiquetas quedan fijas
SSpectroCoin Virtual Card
SSpectroCoin Physical Card
Formato
Tarjeta virtual
Tarjeta física
Comisiones
Comisión mensual
1 EUR
Se cobra una tarifa de servicio mensual.
1 EUR
Se cobra una tarifa de servicio mensual.
Comisión de emisión
1 EUR
Se cobra por cada tarjeta.
5 EUR
Envío estándar gratuito.
Comisión de cajero
—
2 EUR + 2%
Se calcula según la moneda de la región, con un mínimo de 2 EUR.
Comisión de cambio
0%
Las transacciones en moneda distinta al euro o internacionales conllevan un recargo adicional del 0,5%–1%, aplicando el tipo de cambio de liquidación de Visa.
0.5%
Las transacciones en moneda distinta al euro o internacionales conllevan un recargo adicional del 0,5%–1%, aplicando el tipo de cambio de liquidación de Visa.
Comisión de recarga
Gratis
Cargar la tarjeta desde la billetera es gratuito.
Gratis
Cargar la tarjeta desde la billetera es gratuito.
Comisión por transacción fallida
—
—
Recompensas
Reembolso
—
—
Recompensa cripto
—
—
Recompensas por staking
—
—
APR de staking
—
—
Bono de bienvenida
—
—
Bono por referido
20%
Hasta un 20% de reparto de comisiones, solo sobre comisiones de compra y venta de criptomonedas.
20%
Hasta un 20% de reparto de comisiones, solo sobre comisiones de compra y venta de criptomonedas.
Límites
Límite de gasto diario
25,000 EUR
Se combinan las compras en línea y en comercios.
25,000 EUR
Se combinan las compras en línea y en comercios.
Límite de gasto mensual
—
—
Límite de retirada en cajero
—
2,500 EUR
Se calcula por día natural.
Red
VISA
VISA
Arrastra horizontalmente para ver otras tarjetas
Las comisiones pueden variar por región, nivel y política oficial. Comprueba las condiciones oficiales más recientes.
Regiones y disponibilidad en China
Estado de solicitud según fuentes públicas, políticas oficiales y experiencias de usuarios. No es asesoramiento de solicitud.
La solicitud o algunas funciones no están disponibles o tienen límites
33
🇳🇦NamibiaNA🇪🇨EcuadorEC🇰🇭CamboyaKH🇲🇦MarruecosMA🇧🇴BoliviaBO🇰🇼KuwaitKW🇵🇰PakistánPK🇯🇴JordaniaJO🇱🇸LesotoLS🇲🇰Macedonia del NorteMK🇷🇸SerbiaRS🇸🇦Arabia SaudíSA🇮🇳IndiaIN🇩🇴República DominicanaDO🇸🇻El SalvadorSV🇪🇬EgiptoEG🇨🇳ChinaCN🇩🇿ArgeliaDZ🇬🇭GhanaGH🇰🇿KazajistánKZ🇨🇴ColombiaCO🇮🇶IrakIQ🇹🇭TailandiaTH🇮🇷IránIR🇮🇩IndonesiaID🇹🇼TaiwánTW🇲🇴MacaoMO🇱🇧LíbanoLB🇧🇩BangladésBD🇭🇰Hong KongHK🇶🇦CatarQA🇬🇪GeorgiaGE🇦🇫AfganistánAF
Evidencia
Restringido oficialmente
?
Regiones sin confirmar
No hay evidencia suficiente
0
Sin registros
Evidencia
Fuentes públicas
Disponibilidad en China
A continuación se conserva el texto original.
Original
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。
Actualizado: 1 ago 2026
Requisitos KYC
Requisitos y límites actuales de verificación de identidad
KYC obligatorio
SíObligatorio
Nivel KYC
KYC completoRequisito confirmado
Comprobante de domicilio
SíObligatorio
Documentos aceptados
Pasaporte / Documento nacional de identidad / Licencia de conducir / Recibo de servicios públicos / Estado de cuenta bancario
Tiempo de revisión / límites regionales
La mayoría de los expedientes se procesan en unas horas; las solicitudes anómalas o con documentación adicional son revisadas manualmente por el equipo de cumplimiento.
Proveedor KYC
No divulgado públicamente
Actualizado
1 ago 2026
Compatibilidad de pagos
Estado y fecha de actualización por escenario de pago · La disponibilidad real puede variar por región, comercio y política del emisor
Resumen de compatibilidad12 escenarios
Compatible12
No compatible0
Actualizado1 ago 2026
Carteras digitales
Alipay
Compatible
1 ago 2026
Carteras digitales
Apple Pay
Compatible
1 ago 2026
Servicios de efectivo
Retirada en cajero
Compatible
1 ago 2026
Herramientas de IA
ChatGPT
Compatible
1 ago 2026
Herramientas de IA
Claude
Compatible
1 ago 2026
Carteras digitales
Google Pay
Compatible
1 ago 2026
Herramientas de IA
Midjourney
Compatible
1 ago 2026
Pagos presenciales
TPV en tienda
Compatible
1 ago 2026
Compras en línea
Compras en línea
Compatible
1 ago 2026
Carteras digitales
PayPal
Compatible
1 ago 2026
Suscripciones
Pago de suscripciones
Compatible
1 ago 2026
Carteras digitales
WeChat Pay
Compatible
1 ago 2026
Reseñas de usuarios
Mostrando 10 reseñas aprobadas asociadas a esta tarjeta
Más recientes primero
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.
