# Bitrefill Card vs. SpectroCoin Card: fees, limits & KYC

- Bitrefill Card has the lowest monthly fee (0.00 EUR).
- SpectroCoin Card has the best score (63.71).

## Basics

|  | Bitrefill Card | SpectroCoin Card |
| --- | --- | --- |
| **Card form** | prepaid | debit |
| Card types | virtual, physical | virtual, physical |
| Card network | Visa | Visa |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| Card currencies | EUR | EUR |
| **Usage** | personal | personal, business |
| **Issuer / BIN sponsor** | Wallester AS | UAB Pervesk |
| Limits depend on | KYC level, plan | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Bitrefill Card | SpectroCoin Card |
| --- | --- | --- |
| Available in | unknown | Available in 30 countries and regions |

## Crypto

|  | Bitrefill Card | SpectroCoin Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDC, SOL, BNB, POL | BTC, ETH, USDT, USDC, DAI, EURC, SOL, BNB, XRP, ADA, DOGE, TRX, LTC, BCH, DOT, AVAX, LINK, XLM, SHIB, NEAR, APT, ATOM, UNI, AAVE, BUSD, CELO, DASH, MASK, SAND, USDP, WBTC, XTZ, XEM, TUSD, MKR, COMP, ZRX, BAT, SUSHI, ALGO, MANA, UMA, HOT, CHZ, GRT, SNX, ENJ, FIL, VET, ZIL, ONT, EOS, NEO, 1INCH |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | Bitcoin, Lightning, Ethereum, BNB Smart Chain, Solana, Polygon | not applicable |
| Fiat top-up | unknown | Yes |

## Payments

|  | Bitrefill Card | SpectroCoin Card |
| --- | --- | --- |
| **Mobile wallets** | Google Pay | Apple Pay, Google Pay, Samsung Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Bitrefill Card | SpectroCoin Card |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 EUR | 1.00 EUR |
| **Physical card issuance** | 0.00 EUR | 5.00 EUR |
| Free cards | unknown | unknown |
| **Shipping** | 0.00 EUR – 0.00 EUR | 0.00 EUR – 60.00 EUR |
| **Monthly fee** | 0.00 EUR | 1.00 EUR |
| Annual fee | unknown | unknown |
| Top-up fee | unknown | free |
| Crypto deposit fee | unknown | unknown |
| Markup when the card converts crypto or stablecoins into the spending currency (spread over the market or provider rate), as a rate; same optional parts as fx_fee (fixed, min, range, up_to, condition). | not published | not published |
| Fee on payments in a currency other than the card currency, as a rate. Write what the table states: "2 % + 0.30 USD" → fixed; "1 % or 0.40 USD, whichever is greater" → min; "0.40–0.70 %" → percent 0.70 with percent_min 0.40; "up to 2 %" → up_to; weekday/weekend or similar → condition. Different rates by where you pay (SEPA zone vs. rest of the world) → one value per location qualifier. "No FX fee" / "0 %" is 0. | unknown | 0 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | 2.49 % | unknown |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | 10.00 EUR | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | Card is inactive after 12 continuous months without spending or cash-out; then €10/month is charged (only from available balance) after 1-month and 1-week e-mail notice; at €0 balance the card and card account are deactivated. | unknown |
| Card replacement | unknown | 15.00 EUR |

## Rewards

|  | Bitrefill Card | SpectroCoin Card |
| --- | --- | --- |
| Cashback | 1 % (spend from 0/month) · in EUR | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | not published | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Bitrefill Card | SpectroCoin Card |
| --- | --- | --- |
| Limits (entry level) | Starter: Top-up in total 15,000 EUR · Spending per day 10,000 EUR · Spending per month 10,000 EUR | Spending per day 25,000 EUR · ATM per day 2,500 EUR |

- [Bitrefill Card](https://cryptocardss.com/en/bitrefill-card.md)
- [SpectroCoin Card](https://cryptocardss.com/en/spectrocoin-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitrefill-card-vs-spectrocoin-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/bitrefill-card-vs-spectrocoin-card/