SpectroCoin Alternatives for EU Crypto Wallets and Exchanges

SpectroCoin, the crypto wallet, exchange and card service run for years from the Baltics, has stopped trading. The SpectroCoin site now states that "since June 30th, 2026, the Company does not onboard new clients, accept deposits, execute exchanges or other transactions, or enter into new contracts." Its product pages stay online for record purposes only, and the site serves existing and former clients, counterparties and regulators. If you still hold funds there, use the contact route on that page to arrange a withdrawal.

The same page says Spectro Finance OÜ "is not authorised as a crypto-asset service provider" under MiCA, the EU regulation that crypto firms need in order to keep serving EU customers. Two related entities are registered in the British Virgin Islands and Panama, and the service is not intended for US residents.

The picks below are services a former SpectroCoin user in Europe can sign up for now. Four hold MiCA licences; the other two cover holding coins yourself and moving between crypto, cash and metals. None removes price risk, and a balance on an exchange is not a bank deposit.

Prices below are as of November 8, 2026. Our method is on How we review tools.

Quick comparison

Kraken

The Central Bank of Ireland granted Kraken a MiCA licence in June 2025, letting it serve all 27 EU states plus three more in the EEA from one authorisation. For SpectroCoin users that means euro funding and a full exchange under the licence SpectroCoin never obtained.

Fees depend on which screen you use. Instant Buy charges 1% plus a spread, while Kraken Pro starts at 0.40% maker and 0.80% taker and falls with volume. The Kraken+ subscription removes trading fees on up to $10,000 (US dollars) a month, though spreads still apply.

Best for: Active traders who want limit orders under a MiCA licence.

Pricing:

• Instant Buy: 1% (1.5% on custom orders), plus spread
• Kraken Pro: 0.40% maker, 0.80% taker at the lowest tier
• Kraken+: zero trading fees on up to $10,000 (US dollars) a month

Watch out for:

• Deposit and withdrawal limits depend on your country and verification level, per Kraken's verification guide, so large balances moving from SpectroCoin may need the higher tier first.

Official site: Kraken.

Bitvavo

Bitvavo is a Dutch exchange authorised under MiCA by the AFM, the Netherlands' market regulator, and it is built around the euro. SEPA deposits are free up to €5,000,000 and beyond, iDEAL and Wero deposits are free up to €50,000, and Apple Pay is free up to €10,000.

Trading costs 0.15% maker and 0.25% taker on euro markets until your 30-day volume reaches €100,000, when lower tiers begin. USDC pairs are cheaper still at 0.05%. Its withdrawal table covers several hundred coins.

Best for: EU users who fund by bank transfer and want low, flat trading fees.

Pricing:

• Euro markets: 0.15% maker, 0.25% taker below €100,000 monthly volume
• USDC markets: 0.05%
• SEPA, iDEAL and Apple Pay deposits: €0
• Credit card deposits: 1%, up to €10,000

Watch out for:

• The Bitvavo fees page lists crypto withdrawal fees but no euro withdrawal fee, so check the cash-out cost in the app before moving a large sum.

Official site: Bitvavo.

Revolut

SpectroCoin's pitch was a crypto wallet with an IBAN and a payment card attached. Revolut covers the same ground from the banking side: an account, a card and crypto trading in one app. Cyprus's securities regulator, CySEC, granted it a MiCA licence in October 2025, covering 30 EEA countries.

On Revolut's UK fee schedule, Standard and Plus customers pay 1.49% per crypto trade, Premium and Metal 0.99%, and Ultra from 0.49%; EU fees may differ. Revolut X, its separate exchange, charges 0% maker and 0.09% taker on the same UK schedule, which is far cheaper for anyone placing larger orders.

Best for: Former SpectroCoin card users who want banking and crypto in one app.

Pricing:

• UK Standard and Plus: 1.49% per trade, with minimum fees from £0.99 to £2.99 on trades up to £200
• UK Premium and Metal: 0.99%; Ultra from 0.49%
• UK Revolut X: 0% maker, 0.09% taker
• These are UK fees; EU fees may differ

Watch out for:

• On UK accounts, trades under £2 carry a minimum fee of 50% of the trade, and Standard accounts pay a 1% fair usage fee on stablecoin exchanges over £1,000, per Revolut's crypto fee terms.

Official site: Revolut.

Coinbase

Luxembourg's regulator licensed Coinbase under MiCA about a week before Kraken received its Irish licence in 2025. That gives Coinbase a single EU base for buying, selling and storing crypto, with euro deposits and a simple app that shows a Coinbase fee and a spread before you confirm.

Advanced Trade lives in the same account with maker and taker tiers, and Coinbase One, the subscription, waives the Coinbase fee on trades up to a cap and adds up to $1M of cover for losses from unauthorized account access.

Best for: Newer buyers who want a familiar app and a clear order preview.

Pricing:

• Simple trades: Coinbase fee plus spread, both included in the order preview
• Advanced Trade: maker and taker tiers by volume
• Coinbase One: price shown in the app

Watch out for:

• Coinbase One still includes a spread in the price, per the Coinbase One page, so its zero-fee trades do not fill at the market mid-price.

Official site: Coinbase.

Uphold

Uphold's model resembles SpectroCoin's built-in exchanger more than a trading screen does. You move straight from one asset to another, crypto to euros or bitcoin to gold, at a quoted price with the spread built in. Major currency pairs cost 0.20% to 0.30%.

Crypto costs more: 2.00% to 2.20% on bitcoin and ether, and 2.45% to 3.8% on smaller coins, for trades up to $5,000 in the US, UK and Europe. Our Uphold alternatives page compares it with cheaper exchanges.

Best for: Users who swap often between crypto, fiat currencies and metals.

Pricing:

• Major FX pairs: 0.20% to 0.30%
• BTC and ETH: 2.00% to 2.20% spread
• Other coins: 2.45% to 3.8%
• Precious metals: 2.80% to 3.40%

Watch out for:

• Uphold agreed in April 2026 to pay more than $5 million to New York customers who lost money in the CredEarn yield product it promoted, The Block reported, without admitting liability.

Official site: Uphold.

Trezor

SpectroCoin's closure is a reminder that a custodial wallet can stop working on someone else's schedule. A Trezor hardware wallet keeps the keys on a device you hold. All three current models, Safe 3, Safe 5 and Safe 7, use an EAL6+ certified secure element and open-source code anyone can review.

The Safe 3 uses two buttons and a small monochrome screen. The Safe 5 adds a colour touchscreen, and the Safe 7 adds a larger screen, Bluetooth and wireless charging. Trezor Suite runs on Windows, Mac, Linux and Android, with full iOS support on the Safe 7 only.

Best for: Long-term holders who want coins off every exchange.

Pricing:

• Trezor Suite app: free
• Safe 3, Safe 5 and Safe 7: priced at checkout on trezor.io

Watch out for:

• The Safe 3 and Safe 5 have only limited iOS support in Trezor Suite, per the Trezor model comparison, so iPhone-only users need the Safe 7.
• A hardware wallet cannot pay out to a bank; you still need an exchange to turn coins into euros.

Official site: Trezor.

How to choose

When to stay with SpectroCoin

There is no staying in the usual sense: SpectroCoin no longer executes exchanges or accepts deposits. Existing and former clients can still reach the company about contracts, withdrawals and regulatory questions through the SpectroCoin site. Request any remaining balance and keep a record of transaction IDs and account statements for tax purposes.

Frequently asked questions