SpectroCoin Card
- Generous Daily Spend Limit
- Included IBAN account in your name
- Always available Live Chat Agent on website
- No Cashback
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 1.15 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1.5% |
| Cashback | None |
| Daily Spending Limit | 25,000 EUR |
| Daily ATM Withdrawal Limit | 2,500 EUR |
| Foreign Exchange Fee | 1% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsPolandPortugalRomaniaSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | 1INCHAAVEADAALGOAPTATOMBATBNBBNKBTCBUSDCELOCHZCOMPDAI |
SpectroCoin Card: bringing your crypto into everyday life.
SpectroCoin Card Benefits and Rewards
SpectroCoin card doesn’t offer cashback rewards for using the card.
SpectroCoin Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- LT
IBAN Bank Account- in your name
SpectroCoin Card differs from a traditional debit card, where the balance is typically linked directly to your bank account. With SpectroCoin, the card has its own separate balance, while SpectroCoin also provides you with a personal bank account on the side. You'll receive a Lithuania-based IBAN bank account number issued in your name.
Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With SpectroCoin, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.
It Comes in Both Physical and Virtual Forms
You can get SpectroCoin Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
You will find the physical SpectroCoin Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-EUR Conversion Cost with SpectroCoin Card
SpectroCoin Card Requires Pre-Load
Before you can use your SpectroCoin Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~1.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~1.5% |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with SpectroCoin Card will cost you about the same (~1.5%).
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does SpectroCoin Card Compare to Other Crypto Cards?
SpectroCoin Card ranks #17 out of 47 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared SpectroCoin Card with 37 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of SpectroCoin Card against its 37 competitors:
- Offers Apple Pay (while 40% of competing crypto cards don't).
- Offers a generous 25,000 EUR daily spend limit (other cards offer 9,000 EUR limit on average).
- Provides a substantial ATM widthdrawal allowance of 2,500 EUR per day (average amongst other cards is only 600 EUR).
- Supports 54 cryptocurrencies (while other cards support an average of 20).
- You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
Weakest Features Against Competitors
Compared to its 37 competitors, here are the shortcomings of SpectroCoin Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
- Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
SpectroCoin Card vs. WhiteBIT Card vs. Nexo Card
SpectroCoin Card
|
WhiteBIT Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 1.15 EUR | 2.30 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1.5% | ~0.28% | ~0.75% |
| Highest Cashback | None | None | up to 2% |
| Entry-Level Cashback | None | None | 0.5% |
| Daily Spending Limit | 25,000 EUR | 2,750 EUR | 10,000 EUR |
| Daily ATM Limit | 2,500 EUR | 1,350 EUR | 2,000 EUR |
| Foreign Exchange Fee | 1% | 0% | 0.5% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 54 | 271 | 63 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Average | Average | Great |
| Company Strength | Medium | Strong | Strong |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. SpectroCoin Card offers the highest daily spending limit of 25,000 EUR. You will get lower daily limits with WhiteBIT Card and Nexo Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Nexo Card offers the best cashback rewards of up to 2%. With SpectroCoin Card and WhiteBIT Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
SpectroCoin Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your SpectroCoin Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with SpectroCoin Card will cost you a total of ~8.97 EUR (4.5% of 200 EUR), resulting in a final cash withdrawal of 191.03 EUR in hand.
Plus, if you'd like to check your balance via the ATM, it will cost you an additional 0.5 EUR.
Doesn't SpectroCoin Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your SpectroCoin Card, here's what it will look like:
For an international withdrawal using your SpectroCoin Card with an initial 200 EUR in ETH, you'll incur fees totaling ~17.82 EUR (8.9% of 200 EUR), leaving you with 179.18 EUR in the equivalent foreign currency.
Reality CheckOverall, SpectroCoin Card is equivalent to the average than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:
| Cost with SpectroCoin Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~9 EUR (4.5% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~17.8 EUR (8.9% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested SpectroCoin's Customer Support
We asked SpectroCoin's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
SpectroCoin offers support via the following channels:
| Chat | https://spectrocoin.com/contact.html |
| helpdesk@spectrocoin.com | |
| Phone | +372 683 8000 |
| Web Form | https://spectrocoin.com/contact.html |
Location: SpectroCoin customer service reps are located in 
Lithuania.¹
| Support Channel | Our Interaction | Score |
Email (replied in 5 d 5 h ) | Security-related question. Answered but provided a response which didn't feel reassuring. | Late Reply High Competence Not Personalized Adequate English, Professional Tone 6.5/10 |
Web Form (replied in 6 min) | Replied quickly with a concise and clear answer to the question about 3D authentication. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 1 min) | Super quick response. Knowledgeable, helpful and friendly support chat agent. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Email (replied in 27 min) | Didn't answer the question asked. When followed up with an additional question, never replied. | Low Competence Not Personalized Adequate English, Professional Tone 4/10 |
Web Form (replied in 1 d 19 h ) | Concise and to the point response, felt like they could have elaborated more. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
To summarize,
Competence and Problem-Solving: More often than not, SpectroCoin's customer service responses are highly competent, proving they're a company that takes your questions seriously.
Customer Love: You will not get addressed by name and answers to your questions will be generic. SpectroCoin's customer support agents do not make an effort to personalize their replies.
Reply Speed: Response times are inconsistent, ranging from as quick as 1 minute to as slow as 5 days.
Overall Customer Service Rating: 7.4/10
With this score, SpectroCoin's Customer Service is mediocre, comparable to the 7.4/10 average of other crypto card companies.
Is SpectroCoin Card Available for Residents of United States?
No, SpectroCoin Card is not available for residents of United States.
SpectroCoin Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Interesting. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
