Here's a comparison between what you get when depositing BTC to an EUR debit card with Unichange.me and Spectrocoin:
Both exchange rates and the blockchain.info BTC-EUR were calculated at the same UTC time.
The rates are calculated for a deposit of 0.06 BTC
Blockchain BTC-EUR rate: 0.06 BTC = 152.06 EUR / 100% of blockchain rate
Unichange BTC-EUR rate: 0.06 BTC = 138.3 EUR / you get 90.95% of blockchain rate / total "fees" EUR 13.76
Spectrocoin BTC-EUR rate: 0.06 BTC = 147.24 EUR / you get 96.38% of blockchain rate / total "fees" EUR 4.82
Thus, the transfer of 0.06 BTC to EUR debit card would cost the customer +185% in "fees" using Unichange.me compared to the cost at Spectrocoin.
At Spectrocoin, the full 147.24 EUR then were actually charged to my card without any further fees.
See:
https://pasteboard.co/fGePtow4j.pngOther card fees:
Plastic card cost: Spectrocoin €8 / Unichange.me €9
Monthly fee: Spectrocoin €1 / Unichange.me €1
ATM withdrawal fee: Spectrocoin €2.25 / Unichange.me €2.75
Conclusion: I prefer Spectrocoin over Unichange.me.