SpectroCoin Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | EUR 5 (physical); EUR 1 (virtual) |
|---|---|
| Annual fee | EUR 1/month (EUR 12/year) |
| FX fee | 0% (EEA EUR); 0.5% (EEA non-EUR); 1% (international) |
| ATM limit | EUR 2,500/day |
| Spending limit | EUR 25,000/day POS/online |
Features
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Wire transfer, debit card, credit card; crypto conversion (~1.5% total via spread): 54 cryptocurrencies supported
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary…
Full list
… Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Who issues the SpectroCoin Card
The SpectroCoin Card is issued by UAB Pervesk, Lithuania (Bank of Lithuania EMI No. 17, LB000426) (Electronic money institution (EMI)). The issuer is named in the source linked below. (in-house: SpectroCoin issues through its own EMI, so no third-party sponsor can pull the programme. Card closed to new EEA customers 1 July 2026 pending MiCA authorisation).
Primary source · All cards issued by UAB Pervesk · Why the issuer matters
Pros and cons before it closed
Pros
- 54 cryptocurrencies; personal IBAN in your name; SEPA support; free card payments in euros inside the EEA; 3-year card validity
Cons
- EUR 5 physical card + EUR 1/month
The fine print
- No cashback
- 0.5% on non-euro payments in the EEA and 1% outside it
- New EEA customers are waitlisted pending MiCA authorisation
- Card issuance fee: EUR 5 (physical)
- Annual fee: EUR 1/month (EUR 12/year)
Regional availability
Was available across the EEA
The SpectroCoin Card covered the EU member states plus Iceland, Liechtenstein and Norway.
Was available in these regions:
Banking and fiat rails
Card overview
Closed to new customers since 1 July 2026. Spectro Finance OU, the EEA arm, stopped taking new EEA registrations after 30 June pending MiCA authorisation and waitlists applicants instead, and it suspended deposits, crypto purchases and top-ups at the same time. The card is EEA-only and funded from converted crypto, so that closes the order path completely. Existing holders keep spending, and SpectroCoin says it will restart once authorisation is granted, without naming a date.
What the product is, for reference: the simplest custodial Visa Debit in our catalogue, EUR 1 virtual and EUR 5 physical to issue, EUR 1 a month, with FX at 0% inside the EEA in euro, 0.5% on non-euro EEA purchases and 1% internationally, so card payments in euros inside the EEA are free. No cashback at any tier. It carries a dedicated EU personal IBAN with SEPA, 54 fundable cryptocurrencies at roughly 1.5% all-in spread, and daily ceilings of EUR 25,000 at the till and EUR 2,500 at the ATM.
Unusually for this category, SpectroCoin issues through its own Bank of Lithuania EMI, UAB Pervesk, so no third-party BIN sponsor can pull the programme out from under it. That is why this reads as a licensing pause rather than a shutdown. Worth re-checking when the CASP authorisation lands.
