spectrocoin review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SpectroCoin pairs a mobile wallet, an exchange and a Visa debit card under an Estonian licence, which suits you if you want to hold crypto and spend it without juggling several providers. The card runs a monthly fee of €1 and the app costs €0, so it stays approachable for beginners.
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
- Card loading is free and the currency conversion fee is 0%, so everyday spending adds no conversion cost.
- The card sits under an Estonian Financial Supervision Authority licence, FVT000185, and the company has run since 2013.
- Fiat deposits come in through card, bank and sepa, so buying, holding and card spending share one balance.
- The account issues a debit card on visa, which is what most of these products use.
Cons
- The coin list of 50 is well short of Bit2Me's 244.
- Holding is custodial, so a provider holds the keys rather than you.
- Derivatives are not offered, so there is no leveraged trading on the account.
Ready to try spectrocoin?
Scored 9.5 / 10 by HodlCue.
Who it suits
- You want buying, holding and card spending in a single account, with a debit card on visa.
- You are new to crypto and want an app priced at €0 from a company running since 2013.
- You want help through email, chat and help centre and are comfortable with custodial storage.
Who should look elsewhere
- Trezor, if you want a hardware device that keeps keys with you instead of custodial storage.
- Bit2Me, if you want a much longer coin list, 244 coins against 50 here.
- Nebeus, if you want self custody rather than a provider holding your balance.
Where it sits among rivals
On price, SpectroCoin ranks 1 of 120 brands compared here, which reflects how few rivals charge for the app. On coins supported it sits at 49 of 108, closer to the middle, so the choice here is a mainstream set rather than a long tail.
How spectrocoin compares
9.5 vs 9.4
9.5 vs 9.0
9.5 vs 8.2
9.5 vs 9.7
9.5 vs 9.5
9.5 vs 9.6
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0A hardware device keeps the keys with you, the opposite of this custodial setup.
9.5 vs 8.2
9.5 vs 9.7
9.5 vs 9.5
9.5 vs 9.4
9.5 vs 9.3
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.1
9.5 vs 9.0
9.5 vs 8.8
9.5 vs 8.7
9.5 vs 8.7
9.5 vs 8.6
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.3
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 the SpectroCoin card cost to keep?+
The debit card carries a monthly fee of €1. Loading the card is free, and the currency conversion fee is listed as 0%, so card spending adds no conversion charge on top. The mobile app itself is priced at €0.
Is SpectroCoin regulated?+
Yes. Spectro Finance OÜ is based in Estonia, which is the regulator listed for the brand. The financial licence comes from the Estonian Financial Supervision Authority and is recorded as FVT000185, so the firm answers to that supervisor.
How do I deposit and withdraw money?+
Fiat deposits run through card, bank and sepa, so you can top up by card, by bank transfer or through SEPA. Withdrawals follow the same pattern: bank transfer and Bankera payouts are free, while payouts to Skrill or to an Amazon gift card take a percentage cut.
Who holds my crypto?+
SpectroCoin runs a custodial wallet, listed as custodial, so a provider holds the keys rather than you. The same app is a cex exchange, which keeps buying and holding in a single place. Nebeus offers the opposite setup, self custody.
What can I trade on SpectroCoin?+
The wallet covers 50 coins, which sits around the site median of 49 for comparable products. Derivatives are not part of the offering, so the account suits straightforward buying, holding and card spending rather than leveraged trading.
Which apps and devices can I use?+
SpectroCoin is a mobile wallet, so you run it on a phone rather than carrying a hardware device like Trezor, whose wallet type is hardware. The card runs on visa, so it works wherever that network is taken.
How do I get help if my card is blocked?+
Support runs through email, chat and help centre, which means email, live chat and a help centre. There is no phone line, so a blocked card at short notice means waiting for a written reply.
Who does SpectroCoin suit?+
It suits people who want a single account for buying, holding and card spending, and who prefer an operation supervised in Estonia to a hardware device. The company has run since 2013 under Spectro Finance OÜ, with a debit card on visa.
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.