The SpectroCoin Card is a Visa debit card with no annual 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 €0. 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 regional guides for Europe and the UK. See where it ranks among the best crypto debit cards.
On $500/mo spend, the estimated monthly cost breakdown for SpectroCoin Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/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: PRICING CONFIRMED (2026-09-04): SpectroCoin's own help centre now states that both the virtual and the plastic card are free, that plastic delivery by post is free, that there is no monthly card maintenance fee, that loading and unloading the card from the SpectroCoin wallet is free, and that there is no currency-exchange fee. That confirms the 2026-08-14 tracker reports and retires the €1.15/mo (≈€12/yr) maintenance fee and 3% FX previously recorded here; the annual fee is now €0. One point is unsettled: the 2026-08-27 deep review read EUR 1 virtual and EUR 5 physical issuance off the live fee table, which the help centre now contradicts. Either SpectroCoin dropped issuance fees in the interim or the two pages disagree, so treat issuance as free but confirm before relying on it. Point-of-sale and online spending has a EUR 25,000 daily limit, and an account may hold five plastic cards and up to 99 virtual cards. STILL UNRESOLVED: SpectroCoin's own pages continue to reference changes to its EU services after June 30, 2026 without stating what those changes are, and the detail could not be retrieved. Needs manual review. 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 €0. Additional fees: Conversion fee: Free in the EEA in EUR; 0.5% in the EEA in other currencies; 1% international; FX fee: Free; ATM: EUR 1 in the EEA in EUR (1% in Lithuania); 1% min EUR 1 in the EEA in other currencies; 2% min EUR 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.
Yes, the SpectroCoin Card supports Apple Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.