SpectroCoin Card logo
KYCVisaApple Pay

SpectroCoin Card

Cashback

0%

Annual fee

$13.8

Available in

17 countries

SpectroCoin is a long-running Lithuania-based crypto platform whose Visa debit card lets users spend converted crypto in euros at shops and ATMs worldwide, backed by a dedicated personal IBAN. There is no purchase cashback, and the card carries a small monthly maintenance fee of about 1.15 EUR plus a roughly 1% FX charge. Instant virtual and mailed physical cards are offered with Apple Pay support.

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What it really costs to spend crypto

From loading your wallet to paying at the till.

Top-up
0%
Conversion
+1.5%
FX abroad
+1%
In your own currency
1.5%
≈ 15 per 1,000 spent
Abroad (other currency)
2.5%
≈ 25 per 1,000 spent

Plus 1% at ATMs. Estimated from provider rates; the conversion spread can vary.

Fee breakdown

Annual fee$13.8
Monthly fee$1.15
ATM fee1%
FX fee1%
Conversion fee1.5%
Top-up feeFree
Decline feeFree

Spending limits

Per transaction
Varies
Daily limit
$25k
Monthly limit
Varies
ATM daily
$2.5k

Limits shown are for the standard tier and may increase with higher tiers or verification.

Supported coins

BTCETHUSDCUSDT

Supported networks

BitcoinEthereumTron

Crypto features

Card type
Debit
Custody
Custodial
Credit check
No
Conversion fee
1.5%
ATM per transaction
$1000
IBAN
Yes
iOS app
Yes
Android app
Yes

Availability

Not available in: KP, IR, SY, CU

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SpectroCoin Card FAQ

SpectroCoin Card holds a trust score of 6/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Some users report issues — skim the community forums before you apply.