Comparison
Blackcatcard vs. SpectroCoin Card: fees, limits & KYC
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blackcatcard.com31 Oct 2026
Image source
Source
blackcatcard.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
BlackcatcardBlackcatcard
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spectrocoin.com30 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
- Blackcatcard has the lowest monthly fee (0.00 EUR).
- SpectroCoin Card has the lowest foreign currency fee (0 %).
- Fewest documents: SpectroCoin Card (ID document).
- SpectroCoin Card has the best score (7.0).
| Attribute |
BlackcatcardBlackcatcard
|
SpectroCoin CardSpectroCoin
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual Physical | Requires KYC Private & business Virtual Physical |
| Score | average | good |
| CostsWeight 25 % | 1.7 | 7.3 |
| TrustWeight 20 % | 8.4 | 7.5 |
| KYC and privacyWeight 15 % | 4.5 | 6.5 |
| FeaturesWeight 15 % | 8.3 | 10.0 |
| AvailabilityWeight 10 % | 4.2 | 6.2 |
| RewardsWeight 10 % | 5.5 | not scored |
| CommunityWeight 5 % | 0.0 | 0.0 |
| KYC | KYC: ID + proof of address | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all | unknown |
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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Get access to your virtual Blackcatcard instantly, while waiting a couple of days for your plastic Blackcatcard to arriveChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 network (differs)same for all |
 
Mastercard
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Free maintenance For 1 IBAN account with 1 Blackcatcard MastercardChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
All Linked Wallets and the assets therein are entirely held, managed, and safeguarded by MANERIO Sp. z o.o., not us. We provides only a technical connection and consolidated display within the APP.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
"Available Balance" means the portion of funds in your Wallet that is fully available for use at a given moment. It represents the amount of money that has been successfully cleared, settled, and is n...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Currency EuroChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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? |
| Usagesame for all |
personal, business
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Open an account as an individual and set up your corporate account via your online account access to get the corporate featuresChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 |
Papaya Ltd
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Blackcatcard is issued by Papaya Ltd. Papaya Ltd. is an Electronic Money Institution authorised and regulated by the Malta Financial Services Authority (MFSA). Registration number C55146.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 |
user setting
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
The Wallet Holder may adjust daily or per-transaction limits for Card Payments and SEPA transfers through the APP, within the plafond defined by us.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all |
not applicable
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
After registration, you will be able to order an unlimited number of additional cards in your mobile application or with the desktop for everyday tasksChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| 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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
The following digital assets are currently supported by MANERIO Sp. z o.o. within the Linked Wallet environment: - Bitcoin (BTC) - Ethereum (ETH) - USD Coin (USDC) – TRC-20 (Tron network) - USD Coin...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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, Ethereum, Tron
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
USD Coin (USDC) – TRC-20 (Tron network) - USD Coin (USDC) – ERC-20 (Ethereum network)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 |
Yes
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Account replenishment Incoming SEPA transfers Free With no limits on the amountChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
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 |
 
Apple Pay
 
Google Pay
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Digital Wallet Transactions (Apple Pay, Google Pay) i. Adding a Card to a digital wallet generates a tokenised credential through Mastercard's Digital Enablement Service (MDES) under EMV tokenisation...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Cash withdrawal at ATMs in the EU Free Up to € 200 per monthChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 |
Yes
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Where all applicable authentication procedures were duly completed — including contactless limits, PIN verification, or signature acceptance — we shall bear no liability for subsequent unauthorised us...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
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
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Package of services Fee 0 EUR IBAN Account and payment card [Blackcatcard] - IBAN Account - MasterCard (virtual card)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History 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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Card issue Free Issue of the first card linked to the IBAN accountChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 |
| Shipping (differs)same for all |
0.00 EUR – 50.00 EUR
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Custom nickname on a card 5 EUR Card delivery (regular mail) 0 EUR Dormancy Monthly fee 15 EUR Payments (excluding cards) Incoming payment fee (SEPA) 0 EUR Outgoing payment fee (SEPA) 0 EUR...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Account maintenance fee Free If you have one payment card or an account onlyChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 |
not applicable
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Account maintenance fee Free If you have one payment card or an account onlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
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
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Currency or asset exchange rates applicable to transfers are provided by MANERIO Sp. z o.o. and displayed prior to authorisation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? History 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 fee (differs)same for all |
0.35 %
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
FX Mark-up 0.35%Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
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 | unknown | unknown |
| Transaction feesame for all |
free
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Card purchases 0 EURChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Account closure feesame for all |
not published
s3.blackcatcard.com checked 31 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Fees may also apply for using services linked to the account which is not listed here. Full information is available in General Terms and Conditions.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Dispute feesame for all |
10.00 EUR (Charged only when the card transaction claim has no grounds)
s3.blackcatcard.com checked 31 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Blackcatcard transaction 10 EUR claim (having no grounds)Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
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 |
15.00 EUR
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Dormancy fee € 15 per month Starting from the 7th month of inactivityChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all |
A dormancy fee applies starting from the 7th month of inactivity.
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Dormancy fee € 15 per month Starting from the 7th month of inactivityChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card replacement (differs)same for all |
7.00 EUR (0 EUR when the card has expired)
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Reissue of the card (if it has 0 EUR expired) Reissue of the card (per 7 EUR customer request)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
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 · Crypto deposit fee · FX free allowance · Minimum FX fee · ATM fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend | |
| Rewards | ||
| Cashbacksame for all |
0.5–5 %
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
5% cashback at Google Play Market Applicable for all purchases made at the market. The minimum monthly payout is €0.10Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all | unknown | unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Blackcatcard · SpectroCoin Card: promotions and bonuses as well as warnings and incidents.