Spectrocoin card review

SpectroCoin Visa Card

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Verdict: a disappointing offering which seems outdated with what crypto cards are available on the market in 2021. The Spectrocoin card has very high fees for every action you take, no perks, cashback or instant crypto settlement. Choose another option in 2021.
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1/10 (Expert Score)
Product is rated as #43 in category Crypto Cards
Spectrocoin is a prepaid Visa card which allows you to exchange cryptocurrency in your Spectrocoin wallet for EUR and spend anywhere that accepts Visa, or top up with Euro's. As it's prepaid, you have to sell crypto for Euros in order to spend it, and doing so will incur fees for practically every action you take. With the lack of features, perks, cashback, or support instant crypto settlement, the Spectrocoin card is one of the worst cards we've reviewed in every area.
Features
3.5
Usability
3.5
Payment options
1
Fees and charges
0.5
Perks & rewards
0.5
Company & Reputation
8
Support
8.5
PROS:
  • Live support was helpful.
CONS:
  • Fees for almost every action you take with the card.
  • Prepaid, i.e. not instant settlement of crypto:fiat, so you are required to exchange for EUR to use spend your crypto.
  • No insurance for customer funds in the event of a hack.

Specification: SpectroCoin Visa Card

Company & Availability
Insurance Coverage No
Eligible regions , , , , , , , , , , , , , , , , , , , , , , , , , ,
KYC
Credit Check No
Savings Information
Supported Fiat Currencies
Supported Cryptocurrencies
Gas fees Yes
Availability
ATM Access Worldwide
Pay In Local Currencies Only EUR
Support
24 hour support Yes
Live Support Yes
Staking
Staking required No
Staking amount N/A
Minimum stake Term N/A
Token Ticker N/A
Rewards
Cashback on spending No
Cashback Restrictions N/A
Max Cashback N/A
On Chain Rewards None
Referral Rewards No
Spending Limits
Daily ATM Limit Unlimited
Daily Purchase Limit Unlimited
Monthly ATM Limit Unlimited
Monthly Purchase Limit Unlimited
Fees
Monthly fee €1.15
Delivery Fee Free standard delivery or €35 expedited shipping
Online/Offline Purchase Fees UK: €0.5 + 1%. EU: Free. International: €0.5 + 1.25%
Topping up fee N/A
ATM Fees ATM PIN Change: €0.98, Balance Enquiry: €0.35, Decline Transaction at ATM: €0.63, Withdrawl: UK: €1 + 1%. Europe: €1 + 0.5%. International: €1 + 1.5%.
International ATM fee €1 + 1.5% For non European countries
POS Foreign Transaction fee €0.5 + 1.25%
Card Replacement Fee No fee
ACH Declined €0.12
Charge back processing €23 fee + €23 possible administration fee
Dormancy No fee
Exchange Rate Provider Visa
Card Features
Instant settlement No
Prepaid Yes, can only topup in € from wallet
Topping up limit €8,000
App Payments No
Dual-Interface NFC/EMV (Card with chip) Yes
Virtual Cards No
Physical Cards Yes
Security
Fraud Monitoring Yes
Freeze / Unfreeze Yes
Instant Notifications Yes
Pin Viewing Yes
2FA Yes
Asset protection & Insurance
Audited /
Cold Storage Yes
Company Backing N/A
FDIC insurance No
Insured by N/A

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