Comparison
SpectroCoin Card vs. Zypto Card: fees, limits & KYC
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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
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Zypto CardZypto
In short
- Zypto Card has the lowest monthly fee (0.00 USD).
- SpectroCoin Card has the lowest foreign currency fee (0 %).
- SpectroCoin Card ask for the least (ID document).
- Zypto Card has the higher score (65.79).
| Attribute |
SpectroCoin CardSpectroCoin
Requires KYC
Private & business
Virtual
Physical
|
Zypto CardZypto
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | good |
| CostsWeight 25 % | 81 | 67 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 100 | 88 |
| AvailabilityWeight 10 % | 39 | 97 |
| RewardsWeight 10 % | not scored | 100 |
| TrustWeight 10 % | 75 | 76 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
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? |
prepaid
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
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? |
virtual, physical
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Get your card. Load your crypto. Hit the real world. The Zypto Premium VISA Card comes physical and virtual, loads with 100+ cryptocurrencies, and lets you use your crypto for real-world spending wher...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network |
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? |
Visa
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Yes. It is a real Visa card you load with crypto in advance and spend as local currency wherever Visa is accepted, in-store, online, at ATMs and via Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
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? |
custodial
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Upon load. Your crypto converts to local currency when you load the card in Zypto App, on your timing, not at the checkout. The balance you load is what you spend.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
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? |
fiat balance
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Your crypto converts to local currency when you load the card, on your timing, upon load, not at the checkout. Top up in Zypto App, then use your card wherever Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
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? |
USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs) |
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? |
personal
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- You will use the Zypto Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
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? |
Third National
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked 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) |
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? |
unknown |
| Crypto | ||
| Supported assets (differs) |
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 |
BTC, ETH, USDC, SOL
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets (differs) | unknown |
100
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networks (differs) |
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? |
unknown |
| Fiat top-up (differs) |
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 |
| Payments | ||
| Mobile wallets |
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? |
Apple Pay
Google Pay
Samsung Pay
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
Premium cards are available as both virtual and physical, and share the same features: 3D Secure, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), full in-app management, and Visa Signature...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
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? |
Yes
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: minimum $10.00 per withdrawal, maximum $250 per withdrawal - Physical: maximum $750 per day, 3 withdrawals per day - Physical: maximum $22,500 per month, 90 withdrawals per month - Virtual...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
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? |
Yes
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
- Your physical card ships within 1 business day, giving you full ATM access and in-store tap-to-pay on top of everything the virtual card offers.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
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? |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Acquisition fee - Physical: not applicable - Virtual: $0Checked 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? |
50.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Card cost - Physical: $50.00, includes activation and shipping - Virtual: not applicableChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping (differs) |
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? |
unknown |
| Monthly fee (differs) |
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? |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Monthly fee - Physical and Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
| Annual Fees | 0$ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee (differs) |
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? |
3 %
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
| Card load fee | 3% |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) |
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? |
3 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Crypto conversion fee - Physical and Virtual: 3%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
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? |
1.75 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### FX fee - Physical and Virtual: 1.75% on non-USD transactionsChecked Verified 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) | unknown |
1 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### ATM withdrawal fee - Physical: 1% - Virtual: not applicable, the Virtual card does not support ATM withdrawalChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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 | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | 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? |
unknown |
| Rewards | ||
| Cashback (differs) | unknown |
only in the app
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Multiplier amounts and the perks each level unlocks are shown under Perks in the app, and can change over time.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) (differs) | unknown |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at SpectroCoin Card · Zypto Card: promotions and bonuses as well as warnings and incidents.