Comparison
Bitrefill Card vs. SpectroCoin Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitrefill CardBitrefill
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spectrocoin.com29 Oct 2026
Image source
Source
spectrocoin.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
SpectroCoin CardSpectroCoin
In short
- Bitrefill Card has the lowest monthly fee (0.00 EUR).
- SpectroCoin Card has the best score (64.06).
| Attribute |
Bitrefill CardBitrefill
|
SpectroCoin CardSpectroCoin
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private & business Virtual Physical |
| Score | average | average |
| CostsWeight 25 % | 70 | 81 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 82 | 100 |
| AvailabilityWeight 10 % | 22 | 39 |
| RewardsWeight 10 % | 40 | not scored |
| TrustWeight 10 % | 70 | 75 |
| CommunityWeight 10 % | not scored | not scored |
| Nationality | Not for nationals of: United States, Russia | – |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) | Starter
|
|
| Basics | ||
| Card form (differs)same for all |
prepaid
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
debit
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
Take your everyday payments to the next level. Exchange cryptocurrencies and spend with your Visa debit card in millions of shops around the world.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual, physical
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
| Physical Card Price | Physical Card Price | Physical Card Price | €5 | | Virtual Card Price | Virtual Card Price | Virtual Card Price | €1 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card networksame for all |
Visa
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Pay anywhere with VISAPay online or in-store anywhere VISA is accepted** with Google Pay support.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
Take your everyday payments to the next level. Exchange cryptocurrencies and spend with your Visa debit card in millions of shops around the world.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
The custody and exchange of your crypto assets is handled by Striga Technology OÜ, a VASP licensed in Estonia. The card is issued, and payments are provided, by Wallester AS, licensed in Estonia.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
You confirm that you know, understand and agree that if the particular Virtual Currency is accessed through several different blockchain technologies or networks, we, regardless of the blockchain tech...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
The debit card is denominated in EUR. You can load the card with the EUR that is received in exchange for a virtual currency.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
EUR
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
The debit card is denominated in EUR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Individuals aged 18 or older who passed an identity verification process (managed by our card partner) and are residents of the following countries are eligible to apply for the Bitrefill Card:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal, business
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
A warning about changes to the Agreement must be provided in writing, by e-mail, via the Platform or in another way of our choice at least 1) 60 (sixty) days before the date of entry into force of the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Issuer / BIN sponsor (differs)same for all |
Wallester AS
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
The custody and exchange of your crypto assets is handled by Striga Technology OÜ, a VASP licensed in Estonia. The card is issued, and payments are provided, by Wallester AS, licensed in Estonia.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
UAB Pervesk
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
Your Card is issued and operated by SpectroCoin partner company UAB "Pervesk", legal entity code 304186270, registered address: Gedimino av. 5-3, LT-01103 Vilnius, LithuaniaChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend onsame for all | unknown | unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Limits depend on · Cards per account | |
| Availability | ||
| Available insame for all | unknown |
Available in 30 countries and regions
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
Currently, SpectroCoin debit cards can be issued and delivered to citizens and residents of the European Economic Area (EEA), which includes: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, C...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDC, SOL, BNB, POL
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
USDCEthereum Network Polygon Network (ERC20) Solana Network (SPL)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, DOGE, ADA, LTC, AVAX
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
# Supported cryptocurrencies Bitcoin wallet Ethereum wallet NEM wallet Banker wallet Banker wallet Dash wallet Litecoin wallet Tether wallet TrueUSD wallet USDC wallet PAX Dollar wallet Ri...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? + 42 moreBTCETHUSDTUSDCSOLBNBXRPTRXDOGEADALTCAVAXDAIEURCLINKBCHDOTXLMSHIBNEARAPTATOMUNIAAVEBUSDCELODASHMASKSANDUSDPWBTCXTZXEMTUSDMKRCOMPZRXBATSUSHIALGOMANAUMAHOTCHZGRTSNXENJFILVETZILONTEOSNEO1INCH |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networks (differs)same for all |
Bitcoin, Lightning, Ethereum, BNB Smart Chain, Solana, Polygon
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
BitcoinBitcoin Network Lightning NetworkChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
Although you cannot directly load the card with your crypto assets, you can use our platform to exchange your crypto to euro, load your card and spend as you wish.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all | unknown |
Yes
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
SpectroCoin debit cards are denominated in EURO and can be loaded using the cardholders' SpectroCoin wallet. To top the card up, you can use the euros that you receive when you exchange your virtual c...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile wallets (differs)same for all |
Google Pay
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Pay anywhere with VISAPay online or in-store anywhere VISA is accepted** with Google Pay support.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
Samsung Pay
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
You can also attach the Card to your e-wallet ("Samsung Pay", "Google Pay" or "Apple Pay" or another system that is installed on your mobile device) if there is a technical possibility to link the Car...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
Yes
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Turn crypto into cashWithdraw any funds on your card at all ATMs accepting VISA globally.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
Withdraw cash at more than 30+ million ATMs around the world.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactlesssame for all | unknown |
Yes
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
in case of contactless payment, you tap the Card over a card reader and perform actions specified in the electronic card reader. If contactless payment limit is exceeded, additional confirmation of tr...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs)same for all |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1.00 EUR
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
| Virtual Card Price | Virtual Card Price | Virtual Card Price | €1 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs)same for all |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
5.00 EUR
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
| Physical Card Price | Physical Card Price | Physical Card Price | €5 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown |
0.00 EUR – 60.00 EUR
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
| Physical card shipping by mail | Physical card shipping by mail | Physical card shipping by mail | Free | | Physical card shipping by registered mail | Physical card shipping by registered mail | Ph...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly fee (differs)same for all |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1.00 EUR
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
| Monthly Service Charge Fee | Monthly Service Charge Fee | Monthly Service Charge Fee | €1 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual feesame for all | unknown | unknown |
| Top-up feesame for all | unknown |
free
spectrocoin.com checked 30 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
| Card Load/Unload via SpectroCoin Wallet | Card Load/Unload via SpectroCoin Wallet | Card Load/Unload via SpectroCoin Wallet | Free |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all |
not published
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
A variable spread reflecting the crypto to fiat exchange cost applies. The final amount to be charged will be visible for your approval before deposit confirmation.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not published
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
The actual Buy & Sell Rates of the currency applicable on the Site will not necessarily be and do not have to be equal to the Market Rates. The Buy & Sale Rate is constantly changing, so you w...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency feesame for all | unknown |
0 %
spectrocoin.com checked 29 Oct 2026
Two sources, two values
Shown0 %
spectrocoin.comchecked 29 Oct 2026
| Currency Exchange Fee, not EUR | Currency Exchange Fee, not EUR | Currency Exchange Fee, not EUR | Free |Differingvalue not recorded spectrocoin.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all |
2.49 %
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
ATM Withdrawal2.49%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Transaction feesame for all | unknown | unknown |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all |
10.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
12 Month Inactivity fee€10/monthlyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all |
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.
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
A card is considered to be inactive if you do not spend or cash-out money for a continuous period of 12 months. Both a 1-month and 1-week prior notice will be sent by e-mail to you before charging any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Card replacementsame for all | unknown |
15.00 EUR
spectrocoin.com checked 29 Oct 2026
Source and check
Source
spectrocoin.com
Wording at the source
| Card replacement | Card replacement | Card replacement | €15 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Free cards · Annual fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend | |
| Rewards | ||
| Cashbacksame for all | 1 % (spend from 0/month) · in EUR | unknown |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all |
not published
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Please refer to the Terms & Conditions of the Website before proceeding. The "Refer a Friend" campaign aims at expanding Bitrefill Customer network through the referral of friends.Checked Verified Add this value? No earlier versions What does [s] mean? |
unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Referral bonus (invited friend) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Bitrefill Card · SpectroCoin Card: promotions and bonuses as well as warnings and incidents.