SpectroCoin
SpectroCoin is a crypto card issued on Visa, rated 6.4/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
SpectroCoin is the strongest fit for free issuance and crypto funded, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | SpectroCoin · Crypto Card |
| Official site | https://spectrocoin.com |
| Best for | Free issuance · Crypto funded |
| Network | Visa |
| Rating | 6.4/10 (3.0★, 528 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual); EUR 5 / GBP 5 (physical) |
| Monthly / annual fee | EUR 1/month (EUR 12/year) |
| Top-up (deposit) fee | Free wallet load; ~1.5% crypto-to-EUR spread |
| FX / conversion fee | 0% EEA EUR; 0.5% EEA non-EUR; 1% international; +EUR 0.50/tx |
Verification and risk
| KYC required | Yes (full KYC: ID + selfie + proof of address) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | Yes (54 cryptocurrencies) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Limited |
Billing
| Billing country | EEA + UK (excl. US) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 487779 | Visa | EEA (Europe) | Debit | 340 | 243 | 71.5% |
We logged 243 cleared charges out of 340 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Visa virtual cards
Frequently asked
What does SpectroCoin cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is EUR 1/month (EUR 12/year); loading it carries no top-up fee; conversion is priced at 0% EEA EUR; 0.5% EEA non-EUR; 1% international; +EUR 0.50/tx. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for SpectroCoin?
SpectroCoin asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (full KYC: ID + selfie + proof of address)
How can I fund SpectroCoin?
You can fund it with crypto (54 cryptocurrencies), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does SpectroCoin need?
Setting it up: cards are issued against EEA + UK (excl. US); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Will SpectroCoin trigger 3-D Secure?
No. SpectroCoin does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with SpectroCoin?
The issuer allows Limited. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.