spectrocoin review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SpectroCoin runs a custodial mobile wallet and a Visa debit card in the same app, which suits European readers who want crypto and everyday spending under a single regulated account rather than a self-custody device. The card costs €1 a month and the wallet covers 50 coins.
Key facts
Debit cards
Crypto exchanges
- Coins listed
- from 50↗
- Regulators
- Republic of Estonia↗
- Fiat deposit methods
- Card, Bank, SEPA↗
- Withdrawal fee
- Free for bank transfer and Bankera; Skrill 4.00%, Volet.com 0.50%, Amazon Gift Card 2.00%↗
- Derivatives
- No↗
- Exchange type
- Cex↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Licensed by the Estonian Financial Supervision Authority under FVT000185, with Republic of Estonia named as the regulator.
- Fiat deposits run through card, bank and sepa, so card, bank and SEPA funding all work.
- Registered in EE as Spectro Finance OÜ and trading since 2013, so the operator is settled rather than new.
Cons
- Custody is custodial, so the platform holds the keys rather than the customer.
- Support runs on email, chat and help centre only, with no phone channel for urgent card problems.
- Derivatives are not offered, and trading runs through a cex rather than a decentralised venue.
Ready to try spectrocoin?
Scored 9.4 / 10 by SumCue.
Who it suits
- European readers who want crypto and card spending under a single regulated company rather than a separate exchange and a hardware device.
- Customers who fund in euros, since deposits run through card, bank and sepa and the card spends in 1 currency.
- People who mainly buy, hold and spend, since derivatives are not offered.
Who should look elsewhere
- Trezor, because it is a hardware device while SpectroCoin is custodial.
- Bitpanda, when breadth of coins matters most, since it supports 650 coins against 50 here.
- VaultLeap, if you are choosing on entry price alone, since VaultLeap also lists $0.
Deposit protection
Coins in the wallet sit in a custodial arrangement, so SpectroCoin holds them rather than placing them in a wallet controlled by your own keys. The named regulator is the Estonian Financial Supervision Authority in Estonia, where the company is registered under licence FVT000185. That licence record sets out the scope of the registration.
How spectrocoin compares
9.4 vs 9.1
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.5
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 9.2
9.4 vs 8.7
9.4 vs 9.3
9.4 vs 9.0
9.4 vs 9.5
9.4 vs 9.0A hardware device, the opposite of custodial holding with a card in the same app.
9.4 vs 8.6
9.4 vs 8.5
9.4 vs 8.3
9.4 vs 9.6
9.4 vs 9.5
9.4 vs 9.4
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9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
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9.4 vs 8.5
9.4 vs 8.4- 9.4 vs 8.0
Where spectrocoin is available
- Available
- Everywhere except United States
- Licence in Estonia
- Estonian Financial Supervision Authority (FVT000185), checked September 26, 2026
Frequently asked questions
What does it cost to open the wallet and use the card?+
The wallet is €0 to open and card top-ups are free. The card costs €1 each month and currency conversion is 0%, so ordinary spending adds nothing beyond the monthly charge. Trading charges sit outside that figure.
Who actually holds my crypto?+
Your coins sit in a custodial wallet, which the terms also list as a custodial arrangement. SpectroCoin holds the keys, so the balance depends on the platform rather than on a device you control. That matters most for larger balances. The contracting entity is Spectro Finance OÜ.
Is it regulated, and which licence applies?+
The stated regulator is Republic of Estonia, and the company is licensed by the Estonian Financial Supervision Authority under FVT000185. The licence record shows what that registration covers and how the account is supervised, and it names the entity behind the brand.
How do I pay euros into the account?+
You can fund the account by card, bank and sepa, which covers card, bank transfer and SEPA. Paying in euros keeps the balance in 1 currency, the same one the card spends in, so no conversion step sits between the deposit and the card.
What do withdrawals cost?+
Bank transfer and Bankera withdrawals are free, while payout routes such as Skrill and gift card payouts take a percentage cut. Those charges sit alongside the card's €1 monthly fee and its 0% conversion fee, so weigh the full set before money leaves the account.
Can I trade derivatives or other leveraged products?+
Derivatives are not offered, so the app covers buying, holding and card spending rather than leveraged products. Trading runs through a cex, so orders settle on the platform rather than a decentralised venue, and no margin product is listed.
Which coins can I hold and what card do I get?+
The wallet supports 50 coins and runs as a mobile app, with a debit card on the visa network for spending. Card balances work in 1 currency, so a long coin list sits beside a narrow spending range.
How do I get help when a payment is blocked?+
Help runs on email, chat and help centre, which covers email, live chat and a help centre. Phone is not among them, so a blocked card payment or a failed transfer is handled by chat first and followed up by email for a written record.
Should I expect the wallet to make money?+
The site's typical retail loss figure is 70.15%, so this wallet and card earn their place through holding and everyday spending rather than returns. With custodial holding, licence and supervision matter more here than any price target.
Sources
- spectrocoin.com checked September 26, 2026
Backs: Coins listed, Coins supported, Exchange type, Price, Regulators, Wallet type, Licences
“50+ Supported cryptocurrencies”
- spectrocoin.com/en/about.html checked September 26, 2026
Backs: Founded
“SpectroCoin founded 2013 February”
- spectrocoin.com/en/bitcoin-debit-card.html checked September 26, 2026
Backs: Card type, Currencies, Currency conversion fee, Top-up fee, Monthly fee, Card network
“Exchange cryptocurrencies and spend with your Visa debit card in millions of shops around the world”
- spectrocoin.com/en/faqs/other-questions/what-is-the-refer... checked September 26, 2026
Backs: Derivatives
“Currently, SpectroCoin offers a selection of three different affiliate programs ... SpectroCoin referral program, SpectroCoin Pro referral program, and SpectroCoin Loans referral program”
- spectrocoin.com/en/fees-and-limits.html checked September 26, 2026
Backs: Fiat deposit methods, Withdrawal fee
“Method Bank Transfer ... Available currencies EUR Fee Free; Method Visa ... Fee 2.99%; Method* International transfer (SWIFT)”
- spectrocoin.com/en/terms/general-terms-and-conditions.html checked September 26, 2026
Backs: Custody, Features, Headquarters, Legal entity, Support channels
“freeze the funds deposited with us”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.