The SpectroCoin Card is a Visa debit card with a €12 (€1/mo) fee, available in EEA + UK (30+ countries).
SpectroCoin is a Lithuanian cryptocurrency platform founded in 2013 by Vytautas Karalevičius and co-founders, offering exchange services, hosted wallets, crypto-backed loans, and a prepaid debit card. The company operates through registered entities in Europe, including Spectro Finance OÜ in Estonia, which holds a virtual currency service license. It launched its first crypto debit card in 2015 and has been covered by CoinDesk since its early product expansions into European markets.
The SpectroCoin Card is a crypto debit card offered by SpectroCoin, available in EEA + UK (30+ countries). The annual fee starts at €12 (€1/mo). It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in the UK guide.
On $500/mo spend, the estimated monthly cost breakdown for SpectroCoin Card is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $1.00, for a total drag of 1.7% of spend. After $0.00/mo cashback that is still a net cost of about $8.50/mo ($102.00/yr). SpectroCoin Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: WITHDRAWAL DEADLINE (2026-10-24): SpectroCoin's 10 September 2026 help-centre update asks users to withdraw their assets "as soon as possible, and by 11 November 2026 at the latest. After that date, full access to the platform will be restricted". It says new sign-ups and deposits have been closed since mid June 2026 and that SpectroCoin cannot say when or whether services will resume. The update does not mention the card. PRICING (card page, read 2026-10-24): the fee table "applicable for cards issued after 2022.06.14" lists a €1 monthly service charge, €5 for a physical card and €1 for a virtual card, with free card load and unload from the SpectroCoin wallet and no currency-exchange fee, so the annual fee is recorded as €12. Older help-centre articles (launch-era copy that points back to the fees page) describe both cards as free with no monthly maintenance fee; the 2026-09-04 update recorded €0 from them, which the dated fee table now contradicts. Point-of-sale and online spending has a EUR 25,000 daily limit and ATM withdrawals a €2,500 daily limit; the fee table allows 2 physical and 10 virtual cards per person (the older help articles say five plastic and up to 99 virtual). STATUS (2026-09-28): moved to unclear. SpectroCoin's help centre says that after 30 June 2026, while Spectro Finance OÜ's MiCA authorisation is pending, affected users can only exchange and withdraw, top-ups are unavailable and new EEA customers join a waiting list; a 10 September 2026 update says Spectro Finance OÜ can no longer provide crypto-asset services in the EU/EEA and asks users to withdraw their assets. Users served by another SpectroCoin company are unaffected, but none is named for the card. Available in 30+ EEA countries + UK. Issued by UAB Pervesk (Lithuania, Bank of Lithuania EMI license). Supports BTC/ETH and 50+ cryptocurrencies for card funding via in-app conversion.
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The SpectroCoin Card is a crypto debit card offered by SpectroCoin. It is available in EEA + UK (30+ countries) and allows users to spend cryptocurrency at merchants worldwide.
The SpectroCoin Card has an annual fee of €12 (€1/mo). Additional fees: Conversion fee: Free in the EEA in EUR; 0.5% in the EEA in other currencies; 1% international; FX fee: Free; ATM: €1 in the EEA in EUR (1% in Lithuania); 1% min €1 in the EEA in other currencies; 2% min €2 international; Top-up: Free.
Yes. SpectroCoin requires standard identity verification (KYC), typically a government-issued ID, during signup.
The SpectroCoin Card is available in EEA + UK (30+ countries). It is NOT available in the United States.
The SpectroCoin Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
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