可申請地區
支援申請或可正常開卡使用
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- 證據來源
- 官方支援
U 卡資料庫 / Visa / 加密簽帳卡
S
SpectroCoin Card
更新時間: 2026年8月1日
SpectroCoin Card 是 SpectroCoin 提供的歐元計價 Visa 加密簽帳卡，分為虛擬卡與實體卡。使用者先在平台錢包持有或存入加密資產，將其兌換為歐元後儲值至卡片帳戶，再用於線上購物、實體商戶付款、行動錢包支付和 ATM 提款。產品同時連接 SpectroCoin 錢包、資產兌換及個人 IBAN 服務，主要面向歐洲經濟區和英國居民。
官方與公司資訊
發行方身分與公司資質概覽
原文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。
卡片概覽
使用者完成 SpectroCoin 帳戶、手機號碼及身分驗證後，可在卡片頁面申請虛擬卡或實體卡。卡片帳戶以歐元計價，消費時不會直接扣除加密資產；使用者必須先將 BTC、ETH、USDT 等支援的資產兌換為歐元，再從 SpectroCoin Wallet 免費載入卡片帳戶。虛擬卡主要用於線上消費與訂閱，實體卡則提供晶片、PIN、感應式支付及 ATM 提款功能。現行卡片條款允許在技術條件具備時連結 Apple Pay、Google Pay 及 Samsung Pay，並支援境外及非歐元交易。卡片餘額屬於電子貨幣，並非銀行存款，也不適用立陶宛存款保險。
Visa 卡片體驗地區可用性權益條款可能變動
提示: 目前沒有其他提示。
卡片形態與費用差異
比較不同卡片形態與等級的已核驗費用紀錄
按住或滑動表格任意區域，左右查看全部卡片；左側項目保持固定
S SpectroCoin Virtual Card | S SpectroCoin Physical Card | |
|---|---|---|
| 卡片形態 | 虛擬卡 | 實體卡 |
| 費用 | ||
| 月費 | 1 EUR 按月收取服務費。 | 1 EUR 按月收取服務費。 |
| 開卡費 | 1 EUR 每張收取。 | 5 EUR 一般郵寄免費。 |
| ATM 提款費 | — | 2 EUR + 2% 按地區幣種計算，最低2 EUR。 |
| 貨幣轉換費 | 0% 非歐元或境外交易另收0.5%–1%，採用Visa結算匯率。 | 0.5% 非歐元或境外交易另收0.5%–1%，採用Visa結算匯率。 |
| 儲值費 | 免費 錢包載入卡片免費。 | 免費 錢包載入卡片免費。 |
| 交易失敗費 | — | — |
| 獎勵 | ||
| 現金回饋 | — | — |
| 加密貨幣回饋 | — | — |
| 質押獎勵 | — | — |
| 質押年利率 | — | — |
| 歡迎獎勵 | — | — |
| 推薦獎勵 | 20% 最高20%手續費分成，僅計買賣幣手續費。 | 20% 最高20%手續費分成，僅計買賣幣手續費。 |
| 限制 | ||
| 每日支出上限 | 25,000 EUR 線上及商戶消費合計。 | 25,000 EUR 線上及商戶消費合計。 |
| 每月支出上限 | — | — |
| ATM 提款上限 | — | 2,500 EUR 按單一自然日計算。 |
| 卡片網路 |
費用可能因地區、卡片等級與官方政策而變動，請核對最新官方條款。
地區與中國地區適用性
依公開來源、官方政策與使用者回報整理申請狀態，不構成辦卡建議。
不支援或受限地區
申請或部分功能不可用或受限
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- 證據來源
- 官方限制
尚未確認地區
證據不足，狀態有待確認
沒有紀錄
- 證據來源
- 公開資料
中國地區適用性
以下保留資料原文。
原文
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。
更新時間: 2026年8月1日
KYC 要求
開戶前目前核驗的身分驗證要求與限制
是否需要 KYC
是需要KYC 等級
完整 KYC要求已確認居住證明
是需要支援證件
護照 / 國民身分證 / 駕照 / 水電帳單 / 銀行對帳單
審核時間 / 地區限制
多數資料在數小時內處理，異常或補充資料申請由合規團隊人工複核
KYC 服務商
未公開揭露
更新時間
2026年8月1日
支付相容性
各類支付情境的支援狀態與更新時間 · 實際可用性可能受地區、商家與發行方政策影響
相容性概覽12 個情境
支援12
不支援0
更新時間2026年8月1日
行動錢包付款
Alipay
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2026年8月1日
行動錢包付款
Apple Pay
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2026年8月1日
現金服務
ATM 提款
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2026年8月1日
AI 工具
ChatGPT
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AI 工具
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Google Pay
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AI 工具
Midjourney
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實體付款
實體 POS
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線上購物
線上購物
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行動錢包付款
PayPal
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訂閱服務
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WeChat Pay
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2026年8月1日
使用者評論
顯示 10 則已核准且符合此卡片的評論
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.
查看原文 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
查看原文 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.
查看原文 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
查看原文 Received my crypto payment, refused refund and order completion
!!! SCAM PAYMENT PROVIDER !!!
查看原文 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.
查看原文 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.
查看原文 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.
查看原文 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.
查看原文 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.
查看原文 風險因素
更新時間: 2026年7月12日
沒有可用的風險因素