SpectroCoin Card

#22 (out of 35) in Crypto Cards
#17 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Generous Daily Spend Limit
  • Included IBAN account in your name
  • Always available Live Chat Agent on website
  • No Cashback
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

1.15 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee




Daily Spending Limit

25,000 EUR

Daily ATM Withdrawal Limit

2,500 EUR

Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All
Supported CryptocurrenciesShow All (54)
SpectroCoin Card: bringing your crypto into everyday life.

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

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 real-life currency and moving it to the card account, to make it available for spending.

It Comes in Both Physical and Virtual Forms

You can get SpectroCoin Card in both physical and virtual versions, a feature only available with 50% 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 WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet 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.

How Does SpectroCoin Card Compare to Other Crypto Cards?

SpectroCoin Card ranks #17 out of 25 amongst similar crypto cards. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to SpectroCoin Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of SpectroCoin Card against its 24 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Offers a generous 25,000 EUR daily spend limit (other cards offer 11,000 EUR limit on average).
  • Provides a substantial ATM widthdrawal allowance of 2,500 EUR per day (average amongst other cards is only 1,000 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 50% of competing crypto cards offer only one type - either physical or just virtual).

Weakest Features Against Competitors

Compared to its 24 competitors, here are the shortcomings of SpectroCoin Card:

  • Doesn't offer any cashback (while other cards give an average of 5%).
  • Requires preconversion of crypto to load the card (while 40% 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. Kinesis Card vs. Nexo Card

    SpectroCoin Card
    Kinesis Card
    Nexo Card
    Monthly Fee 1.15 EUR 0.00 EUR 0.00 EUR
    Foreign Exchange Fee 1% 1% 0.5%
    Crypto to Fiat Fee 2.5% 2.17% 0.0%
    Highest Cashback None None up to 2%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 25,000 EUR 15,000 EUR 10,000 EUR
    Daily ATM Limit 2,500 EUR N/A (Virtual-Only Card) 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 54 14 64
    Apple Pay Enabled Not Enabled Enabled
    Customer Service Average Great Great
    Company Strength Medium Medium 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 Kinesis 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 Kinesis 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:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-5 EUR
SpectroCoin Crypto-to-Fiat Conversion Fee: 2.5%
-2.95 EUR
SpectroCoin ATM Withdrawal Fee: 1 EUR + 1%
-3 EUR
ATM Operator Fee: ~3 EUR
189.05 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with SpectroCoin Card will cost you a total of ~10.95 EUR (5.5% of 200 EUR), resulting in a final cash withdrawal of 189.05 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:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-5 EUR
SpectroCoin Crypto-to-Fiat Conversion Fee: 2.5%
-3.9 EUR
SpectroCoin Intl ATM Withdrawal Fee: 2%, min 2 EUR
-1.95 EUR
SpectroCoin Foreign Exchange Fee: 1%
-1.95 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.9 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 175.3 EUR)

For an international withdrawal using your SpectroCoin Card with an initial 200 EUR in ETH, you'll incur fees totaling ~19.7 EUR (9.9% of 200 EUR), leaving you with 175.3 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, SpectroCoin Card is more expensive for both local and international ATM withdrawals:

Cost with SpectroCoin CardCost with Other Cards
Local ATM Withdrawals~11 EUR (5.5% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~19.8 EUR (9.9% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 7.4% 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:

Phone+372 683 8000
Web Formhttps://spectrocoin.com/contact.html

Location: SpectroCoin customer service reps are located in Lithuania flagLithuania.¹

Support Channel Our Interaction Score
(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
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
(replied in
1 min)
Super quick response. Knowledgeable, helpful and friendly support chat agent.
High Competence
Not Personalized
Flawless English, Professional Tone
(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
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

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 7.1/10 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 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Well Noted. What's My Next Step?

Paulina Masson

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.

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