SpectroCoin Card

The SpectroCoin Card is a euro-denominated Visa debit card linked to a SpectroCoin account. Users can exchange supported cryptocurrencies such as Bitcoin or Ether into euros, load the card balance and then spend at ordinary Visa merchants.

SpectroCoin offers both physical and virtual cards. The physical card supports in-store purchases and ATM withdrawals, while virtual cards are useful for online payments and can support mobile-wallet use where available.

The card is issued and operated by UAB Pervesk, a Lithuanian electronic money institution supervised by the Bank of Lithuania.

Not directly at the merchant. The SpectroCoin Card is denominated in euros, so users first exchange supported cryptocurrency into EUR and load that euro balance onto the card.

Once loaded, the card behaves like a conventional Visa debit card. The merchant receives a normal euro or converted Visa payment and does not need to accept Bitcoin, Ether or another cryptocurrency.

SpectroCoin makes the conversion and loading process relatively fast inside the platform, but it is still different from cards that automatically choose and sell crypto only at the exact moment of checkout.

SpectroCoin describes the product as a Visa debit card and its terms make clear that it is not a credit card or charge card. You can only spend funds that have already been loaded into the associated card account.

There is no revolving credit line or card interest. If the card account does not contain enough money, the transaction can be declined.

Legally, the card balance is electronic money provided through UAB Pervesk rather than a conventional bank deposit. That distinction matters when considering deposit protection.

SpectroCoin's current debit-card page lists the physical card at €5 and the virtual card at €1. Ordinary postal delivery for the physical card is free, registered mail costs €3 and expedited shipping costs €60.

The card also has a €1 monthly service fee. Replacement currently costs €15 and renewal €6.

SpectroCoin has older FAQ pages that show different card-count or pricing details, so the dedicated debit-card pricing table should be preferred when figures conflict. Always check the live order screen before confirming a new card.

SpectroCoin currently charges no card transaction fee for EUR purchases inside the EEA. An EEA purchase in a non-euro currency costs 0.5%, while an international point-of-sale transaction outside the EEA in a non-euro currency costs 1%.

The card's published currency-exchange fee for non-EUR transactions is listed as free, but the regional point-of-sale percentages above still apply. Card loading and unloading between the SpectroCoin wallet and card are also listed as free.

A chargeback or dispute currently costs €25. Merchant dynamic currency conversion can add a separate cost that is outside SpectroCoin's own card fee table.

SpectroCoin currently lists a daily point-of-sale and online spending limit of €25,000. The card load limit is also €25,000, with a minimum load amount of €1.

Its current debit-card product page lists up to two physical cards and ten virtual cards per person. Some older SpectroCoin FAQ material quotes higher card-count limits, so the newer dedicated product page should be treated as the more relevant source for current card issuance.

Card limits can still be affected by verification, compliance reviews or account-specific restrictions.

Yes. The physical SpectroCoin Card supports ATM withdrawals at compatible Visa ATMs. The current daily ATM withdrawal limit is €2,500.

Within the EEA, a euro withdrawal costs €1, except in Lithuania where the published fee is 1%. An EEA withdrawal in another currency costs 1% with a €1 minimum. International ATM withdrawals cost 2% with a €2 minimum.

The ATM owner can add its own surcharge, and checking the balance at an ATM currently costs €0.50.

SpectroCoin's card terms allow the card to be linked to mobile wallets such as Apple Pay, Google Pay and Samsung Pay when that functionality is technically available for the specific card and region.

This means mobile-wallet support is possible, but it should not be treated as universally guaranteed for every SpectroCoin cardholder. Eligibility can depend on the issuer, device and country.

If Apple Pay or Google Pay is essential to you, check whether the add-to-wallet option is active for your card after issuance rather than relying only on the general card terms.

Yes. SpectroCoin offers both formats. The virtual card currently costs €1 and is mainly useful for online purchases and eligible mobile-wallet use.

The physical card currently costs €5 and adds direct chip, contactless and ATM functionality. Standard postal delivery is free, registered delivery is €3 and expedited shipping is €60 under the current pricing table.

SpectroCoin says card production can take up to two business days, while normal or registered shipping can take up to ten business days and expedited delivery up to three business days.

Applicants must be at least 18, have a verified SpectroCoin account and satisfy the card issuer's compliance requirements. SpectroCoin's current Pervesk terms state that the card may only be issued when it is ordered for delivery to a country in the European Economic Area.

That means SpectroCoin's broader crypto platform can be accessible in places where this specific Visa card is not available.

Even after completing verification, the issuer can still refuse a card application based on compliance or risk checks. The live card-order option inside a verified account is the final eligibility check.

The SpectroCoin Card is issued and operated by UAB Pervesk, a Lithuanian electronic money institution. SpectroCoin's current Card Agreement identifies Pervesk as the partner responsible for the card programme.

Pervesk holds electronic money institution licence No. 17 and is supervised by the Bank of Lithuania. SpectroCoin provides the crypto exchange, wallet and customer-facing platform used to convert assets and load the card.

This separation is important because card funds are electronic money under the issuer's terms, while crypto held elsewhere in SpectroCoin can be subject to a different legal structure.

No. SpectroCoin explicitly states that the Visa card is an electronic money product and is not covered by Lithuania's bank Deposit Insurance System.

However, UAB Pervesk is required to safeguard customer electronic-money funds. SpectroCoin says money received for the card is held in segregated accounts so it is protected from ordinary creditor claims if Pervesk becomes insolvent.

Safeguarding is not the same as deposit insurance. Users should therefore avoid describing the card balance as an insured bank deposit.

Yes. SpectroCoin advertises a personal IBAN that eligible users can claim after logging in. This allows users to make and receive supported bank transfers in their own name and then use euros from the SpectroCoin account for card spending.

SEPA and SEPA Instant euro deposits are currently listed as free on SpectroCoin's deposit fee page. International SWIFT transfers have separate pricing and require the embedded IBAN feature.

The IBAN is part of the wider SpectroCoin payment account experience and is separate from the crypto conversion process used to turn digital assets into a euro card balance.

Create a SpectroCoin account, complete identity verification and open the Card section once your account is approved. If your EEA delivery country is supported, choose either the virtual or physical Visa card and complete the order.

The virtual card is issued digitally, while the physical card is produced and shipped to the eligible address. Before spending crypto, exchange the selected asset into euros and load the card from the SpectroCoin wallet.

The card must be verified and activated before normal use. Check the live order screen for the final fee and delivery method.

For card, account or transaction issues, use SpectroCoin's official Help Centre or Live Chat. SpectroCoin also publishes helpdesk@spectrocoin.com for customer assistance.

For a lost or stolen card, SpectroCoin specifically directs users to contact support through Live Chat. For payment problems, keep the merchant name, amount, date and any decline information available.

Use only official SpectroCoin support channels and never share passwords, one-time authentication codes or crypto private keys with someone contacting you unexpectedly.