Crypto card review
SpectroCoin Card review: fees, limits and KYC
SpectroCoin Card is a physical and virtual card on the visa network. It costs $13.8 a year. It pays 0% cashback on spending. The provider requires identity verification before issuing it. The provider does not list the United States as a supported region, and excludes US, CA, AU, JP, CN, RU.
VisaVirtualPhysicalKYC required
Crypto card fees on SpectroCoin Card, and what it offers
Three fields decide what SpectroCoin Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of $13.8, an issuance fee of Free and a top-up fee of Free. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. SpectroCoin Card publishes an ATM limit of $2,500, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa | Virtual, Physical | Required | $13.8 | Free | Free | 0% | $2,500 | — | No |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where SpectroCoin Card is available
The provider lists as supported, and excludes US, CA, AU, JP, CN, RU. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from SpectroCoin Card
The provider supports these assets directly on the card: BTC, ETH, XRP, LTC, XLM. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
The trade-offs on SpectroCoin Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- Free card issuance
- No top-up fee
- Physical and virtual card
- Spends 5 supported assets
What costs you
- $13.8 annual card fee
- Identity verification required
- No Apple Pay or Google Pay support
- Not available in the United States
What people say about SpectroCoin Card
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole SpectroCoin Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
The app is no longer available on the Google Play Store, and their subsidiary Bankera, which uses their debit card service, is implicated in a…
Massimo Bellussi, trustpilot.com, rated 1/5
I sent a crypto payment through SpectroCoin’s gateway for a gift card order on "CoinGate Giftcard". The transaction was fully confirmed on the blockchain and…
Eko Prasetyo, trustpilot.com, rated 1/5
Confirmed crypto payment rejected – funds still unresolvedOrder: #1658138Transaction hash:4d163ab33765eeb4bf031a3db6f70dbc233ec1e6ce3a794ab766a03ce32ec944I am extremely disappointed with my experience involving SpectroCoin and CoinGate Gift Cards.I made a cryptocurrency…
saeid, trustpilot.com, rated 1/5
Confirmed payment still not detectedI paid with USDT on the Solana network, and the blockchain shows that the transaction was successfully finalized with maximum confirmations.
Mohammad Sadegh Foroughi, trustpilot.com, rated 1/5
I processed a refund back to my card through SpectroCoin — something I've done dozens of times before, always same-day release. This time a 64…
Alex, trustpilot.com, rated 1/5
Very bad service , buggy payment gateway , no way to refresh transaction , tx reached 70 blocks and AI agent was telling me to…
Chris, trustpilot.com, rated 1/5
At first, everything seems fine. But once you come across any problem, the help desk takes forever to help. I haven't been able to login…
Klant, trustpilot.com, rated 1/5
!!! SCAM PAYMENT PROVIDER !!!
John Q, trustpilot.com, rated 1/5
most shady website out there, keeps your money because "you violated the shopper disclaimer" which is nowhere to be seen, no where shown but you…
Robert, trustpilot.com, rated 1/5
I have contacted with LiveChat
Muayad Qrenns, trustpilot.com, rated 5/5
Cards to compare SpectroCoin Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
SpectroCoin Card in context
Cashback 0%, top-up Free, annual fee $13.8. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.