SpectroCoin Visa Card

SpectroCoin

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Verdict: a disappointing offering which seems outdated with what crypto cards are available on the market in 2021.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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Additional information
Reviews (0)

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

Fees and charges

0.5

Perks & rewards

0.5

Company & Reputation

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	Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Portugal, Slovakia, Slovenia, Spain, Sweden, United Kingdom
KYC	Yes
Credit Check	No

Savings Information

Supported Fiat Currencies	EUR
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

Signup fee	No fee
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