SpectroCoin Visa Debit

SpectroCoin

Cashback: None
Monthly fee: ~€1
FX / conversion: Non-EUR exchange free; POS 0.5–1%; ATM 1–2%
Issuance: Physical ~€5 · Virtual ~€1
Card type: virtual + physical

Eligibility & KYC — who can get it

◐ Issued only in selected regions

Issued to residents / citizens of:

AustriaBelgiumBulgariaCroatiaRepublic of CyprusCzech RepublicDenmarkEstoniaFinlandGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited Kingdom

Only the United States is explicitly named as restricted (ToS/AML: 'not intended for residents of the United States'); registration is also geo-blocked via a dynamic restrictedCountry page ('services are not available in your country') with no published static list, and a general clause excludes any jurisdiction where use would violate applicable law. The CARD is issued/delivered only to citizens and residents of the EEA + United Kingdom (Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom) — i.e. unavailable everywhere else. Card ordering requires a fully verified account + phone verification + Taxpayer Identification Number. Also: after 30 June 2026 (end of the EU MiCA transitional period), Spectro Finance OÜ customers are limited to exchanging/withdrawing already-held assets and new EU/EEA registrations are waitlisted.

Issuer’s markets: EEA via Spectro Finance OÜ · NOT for US residents

Where you can pay

✓ Worldwide — anywhere Visa is accepted

Official SpectroCoin FAQ: 'the SpectroCoin debit card itself can be used worldwide wherever Visa is accepted'; the landing page adds 'Use your card at 40+ million sites and physical shops worldwide.' Spending is worldwide on the Visa network even though issuance/delivery is EEA+UK only.

Cashback details

No cashback program.

Spend from

EUR card funded by converting BTC, ETH and 50+ crypto to EUR

Verification procedure

Verification & card activation required

AI subscriptions

Visa debit works for online subscriptions. EEA/UK only.

Good to know

One of the longest-running crypto debit cards. Platform entities are now Spectro Finance OÜ (Estonia), Spectro Finance Limited (BVI) and Spectro Finance Systems Inc. (Panama); the card itself is still issued by UAB 'Pervesk' under Bank of Lithuania EMI license No. 17 (UK cards via Contis Financial Services, FCA 900025). Simple EUR-denominated card. Since 30 June 2026 new EEA registrations are on a waiting list while Spectro Finance OÜ's MiCA CASP authorisation is pending; affected existing users are limited to exchange and withdrawal.

Referral program

You get (referrer)

10% of referrals' platform fees (after referee's first transaction; paid to SpectroCoin EUR Wallet, daily once ≥ 1 EUR). SpectroCoin Pro: 20% of referees' trading fees. SpectroCoin Loans: 10% of every interest payment.

Friend gets (referee)

No sign-up bonus

referrer-only program

Conditions: Exchange-wide affiliate/referral program (not card-specific). Referrer earns 10% commission from fees paid by referrals after the affiliate makes their first transaction; fees paid to partners/3rd parties excluded. Programs are synced across SpectroCoin, SpectroCoin Pro, and SpectroCoin Loans. The official help article specifies NO sign-up bonus for the referee.

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