Cryptopay Card vs SpectroCoin Card
The short answer
Winner: SpectroCoin Card — 5.9/10 versus 4.6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Cryptopay Card
KYC
SpectroCoin Card
KYC
Score
Annual fee
Free
$13.8
Monthly fee
$1
$1.15
Cashback
0%
0%
ATM fee
2.5%
1%
FX fee
3%
1%
Per transaction
Unlimited
Unlimited
Daily limit
$30k
$25k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Prepaid
Debit
Custody
Custodial
Custodial
Conversion fee
1.95%
1.5%
ATM per transaction
$200
$1k
Network
visa
visa
IBAN
✗
✓
Apple Pay
✗
✓
Google Pay
✗
✗
Countries
17
17
Coins
BTC, ETH, MATIC, USDC, USDT, XRP
BTC, ETH, USDC, USDT
Cryptopay Card vs SpectroCoin Card FAQ
On our composite score SpectroCoin Card edges ahead (5.9/10 vs 4.6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.