Comparison
CryptoPay 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
CryptoPay CardCryptoPay
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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
- CryptoPay Card has the lowest monthly fee (0.00 EUR).
- SpectroCoin Card has the lowest foreign currency fee (0 %).
- SpectroCoin Card has the higher score (63.71).
| Attribute |
CryptoPay CardCryptoPay
Requires KYC
Private
Virtual
Physical
|
SpectroCoin CardSpectroCoin
Requires KYC
Private & business
Virtual
Physical
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 75 | 81 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 100 | 100 |
| AvailabilityWeight 10 % | 23 | 39 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 70 | 75 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) | Standard Due Diligence
|
|
| Basics | ||
| Card form |
debit
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket").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 types |
virtual, physical
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Fee for upgrading a virtual card to a plastic card 5 EURChecked 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 network |
Visa
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket").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? |
| Custody |
custodial
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Cryptocurrency storage services, whereby Cryptocurrency (whether purchased from Cryptopay or transferred from an external Cryptocurrency wallet) is stored in a multicurrency digital wallet ("Cryptocur...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 model |
fiat balance
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
If the Customer instructs a Cryptocurrency Withdrawal in respect of amounts held other than in the Euro or Pound Sterling Sub-Wallet, a Currency Exchange Transaction must first take place where such a...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 currencies (differs) |
EUR, GBP
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
1. Any Cryptocurrency Withdrawals must take place from the Euro or Pound Sterling Sub-Wallet. 2. If the Customer instructs a Cryptocurrency Withdrawal in respect of amounts held other than in the Eur...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) |
personal
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
As part of your eligibility to use a DiPocket account, you agree and confirm that you are an individual acting solely on your own behalf, in an individual capacity, and you are not acting in a busines...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) |
DiPocket UAB
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket").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 on | unknown | unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in (differs) | 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) | unknown |
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 assets | unknown | unknown |
| Top-up networks (differs) | unknown |
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-up |
Yes
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
If you register as a User, subject to eligibility for the Card type you hold, we offer you several options to top-up the Account and Card, which may include transfers from cards issued to you by other...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
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? |
| Payments | ||
| Mobile wallets (differs) | unknown |
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 withdrawals |
Yes
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
· you can use it at all locations that display the VISA acceptance mark: for purchases in physical stores – including contactless, and at automated teller machines ("ATM") for cash withdrawals as well...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? |
| Contactless |
Yes
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
· you can use it at all locations that display the VISA acceptance mark: for purchases in physical stores – including contactless, and at automated teller machines ("ATM") for cash withdrawals as well...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
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) |
2.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Fee to buy a virtual card 2 EURChecked 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) | unknown |
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 cards | unknown | unknown |
| Shipping (differs) | 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) |
0.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Monthly administration fee 0Checked 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 fee | unknown | unknown |
| Top-up fee (differs) | unknown |
free
spectrocoin.com checked 29 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
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) |
1.95 %
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Service charge (commission) for purchases not in currency of the card 1,95%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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 allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
2.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Fee for ATM withdrawal in the currency of the Card. Please note that ATM providers may raise additional charges. 2 EURChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
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 (differs) |
0.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Dormancy fee (charged monthly after 1 year of card inactivity) 0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement (differs) | 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? |
| Rewards | ||
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
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