Comparison
Plutus Card (EEA) vs. SpectroCoin Card: fees, limits & KYC
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plutus.it29 Oct 2026
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plutus.it
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Plutus Card (EEA)Plutus
-
spectrocoin.com29 Oct 2026
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spectrocoin.com
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SpectroCoin CardSpectroCoin
In short
- SpectroCoin Card has the lowest monthly fee (1.00 EUR).
- SpectroCoin Card has the lowest foreign currency fee (0 %).
- SpectroCoin Card has the higher score (63.71).
| Attribute |
Plutus Card (EEA)Plutus
Requires KYC
Private
Virtual
Physical
|
SpectroCoin CardSpectroCoin
Requires KYC
Private & business
Virtual
Physical
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 72 | 81 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 70 | 100 |
| AvailabilityWeight 10 % | 22 | 39 |
| RewardsWeight 10 % | 80 | not scored |
| TrustWeight 10 % | 70 | 75 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
debit
plutus.it checked 28 Oct 2026
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plutus.it
Wording at the source
10.4 The Plutus Card is a debit card that is linked to your Plutus Account that you access either through the App or our Website. Virtual cards are free of charge while physical cards are subject to a...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
debit
spectrocoin.com checked 29 Oct 2026
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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
plutus.it checked 28 Oct 2026
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Source
plutus.it
Wording at the source
10.3 All of our Services require you to open an account with us (see sections 9.1 - 9.2) and come with the provision to you of a Plutus debit card (Plutus Card). Your Plutus Card can be virtual or phy...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical
spectrocoin.com checked 29 Oct 2026
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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
plutus.it checked 29 Oct 2026
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Source
plutus.it
Wording at the source
2. POS Visa TransactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Visa
spectrocoin.com checked 29 Oct 2026
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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
plutus.it checked 30 Oct 2026
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Source
plutus.it
Wording at the source
10.11 Your Plutus Current Account is not a traditional bank account. Instead, it is an electronic money account provided through Plutus and managed by our banking partner, an authorised Electronic Mon...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
spectrocoin.com checked 29 Oct 2026
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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
plutus.it checked 28 Oct 2026
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Source
plutus.it
Wording at the source
10.5 Top-ups. You will be able to top your Plutus Current Account via the Plutus Dashboard. With the money you have on your Plutus Card, you can make everyday card transactions and benefit from reward...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
fiat balance
spectrocoin.com checked 29 Oct 2026
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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 |
EUR
plutus.it checked 29 Oct 2026
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Source
plutus.it
Wording at the source
When using a EURO-denominated card to make a payment in EURO, the transaction will be free of any additional charges (considered as a domestic transaction).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
EUR
spectrocoin.com checked 29 Oct 2026
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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
plutus.it checked 28 Oct 2026
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Source
plutus.it
Wording at the source
4.1 You must be 18, act in your personal capacity and reside in a country where our platforms, services and reward programmes are supported to be eligible to use them.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal, business
spectrocoin.com checked 29 Oct 2026
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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) |
not published
plutus.it checked 30 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Who is the new banking partner? To avoid any impact on service integration from malicious groups removed from the platform for misuse, the new banking partner will only be revealed once the related f...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
UAB Pervesk
spectrocoin.com checked 29 Oct 2026
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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 (differs) |
plan
plutus.it checked 29 Oct 2026
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Source
plutus.it
Wording at the source
The specific fees and limits depend on your account plan:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | |
| Availability | ||
| Available in (differs) |
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) |
not applicable
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept:Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, DOGE, ADA, LTC, AVAX
spectrocoin.com checked 29 Oct 2026
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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 | |
| Top-up networks |
not applicable
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept: (a) inbound payments, from bank accounts that are in your personal name meaning that the sender account name must...Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 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-up |
Yes
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept: (a) inbound payments, from bank accounts that are in your personal name meaning that the sender account name must...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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) |
Google Pay
plutus.it checked 28 Oct 2026
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Source
plutus.it
Wording at the source
For in-person transactions, you can add your virtual card to compatible digital wallet platforms like Google Pay to make mobile payments wherever NFC (Near Field Communication) payments are accepted.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 withdrawals (differs) |
No
plutus.it checked 28 Oct 2026
Two sources, two values
ShownNo
plutus.itchecked 28 Oct 2026
10.10 Outbound payments. You can use your Plutus Card for purchases made in accordance with your Subscription Plan. ATM withdrawals and outbound bank transfers from your Plutus Current Account are not...Differingvalue not recorded plutus.itfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
For in-person transactions, you can add your virtual card to compatible digital wallet platforms like Google Pay to make mobile payments wherever NFC (Near Field Communication) payments are accepted.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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) |
0.00 EUR
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
1.4 Virtual Card Order Fee Starter Everyday Premium Free Free FreeChecked 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) |
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 | |
| Shipping (differs) |
not published
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
(e) Taxes, shipping costs, or other applicable charges which will be set out when you make a transaction using our Plutus Platforms.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 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) |
6.99 EUR/month or 69.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Starter - £/€6.99 monthly \| £/€ 69.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
9.99 EUR/month or 99.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Everyday - £/€9.99 monthly \| £/€ 99.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
19.99 EUR/month or 199.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Premium - £/€19.99 monthly \| £/€ 199.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? 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 (differs) |
6.99 EUR/month or 69.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Starter - £/€6.99 monthly \| £/€ 69.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
9.99 EUR/month or 99.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Everyday - £/€9.99 monthly \| £/€ 99.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
19.99 EUR/month or 199.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Premium - £/€19.99 monthly \| £/€ 199.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean? |
unknown |
| Top-up fee |
free
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
1.1 Fiat Deposit Starter Everyday Premium Free Free FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
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 (differs) |
not applicable
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept: (a) inbound payments, from bank accounts that are in your personal name meaning that the sender account name must...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto conversion fee (differs) |
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) |
2.5 %
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
2.2 Point of Sale transaction (Non Domestic)* Starter Everyday Premium 2.5% 2.5% 2.5%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 | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
not applicable
plutus.it checked 30 Oct 2026
Two sources, two values
Shownnot applicable
plutus.itchecked 30 Oct 2026
10.10 Outbound payments. You can use your Plutus Card for purchases made in accordance with your Subscription Plan. ATM withdrawals and outbound bank transfers from your Plutus Current Account are not...Differing2.5 % plutus.itfetched 30 Oct 2026 3.1 ATM withdrawal Starter Everyday Premium 2.5% 2.5% 2.5%The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 30 Oct 2026 Add this value? History What does [s] mean? |
unknown |
| Transaction fee | unknown | |
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee (differs) |
0.00 EUR
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
2.3 Point of Sale Decline Starter Everyday Premium Free Free FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule (differs) |
The account enters sleep mode after 60 consecutive days without account activity.
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
9.11 Account in sleep mode. You will be notified upon log-in that your account is in sleep mode if: (a) there is no activity in your account for a period of 60 consecutive days;Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Card replacement (differs) |
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 (differs) |
3 % (holding from 1); 3 % (holding from 100); 3 % (holding from 200); 3 % (holding from 500); 3 % (holding from 1,000); 4 % (holding from 2,000); 5 % (holding from 3,000); 6 % (holding from 10,000); 7 % (holding from 20,000); 8 % (holding from 30,000); 9 % (holding from 40,000) · as points (1 point = 1 EUR)
|
unknown |
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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One mail when something changes at Plutus Card (EEA) · SpectroCoin Card: promotions and bonuses as well as warnings and incidents.