Ledger
CL Card (Ledger)
CL Card (Ledger)CL Card (Ledger)
VisaVirtual and plasticSince 2023Asks for everythingOperational
Self-custodial Visa debit card by Ledger × Baanx — crypto stays on your Ledger hardware wallet until point of sale, when you authorize the spend. 1% cashback in BTC/USDC/USDT or up to 2% in BXX token.
Total, per $100 spent: $3.75per $100 spent
142 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 3 times that for the same loss of privacy.
Open ledger.comNot a paid link: we earn nothing either way.
Whether to take CL Card (Ledger)
In its favour
- Self-custody — funds remain on your Ledger device until spend
- Up to 2% cashback in BXX, or 1% in BTC/USDC/USDT
- No monthly fee
- Apple Pay & Google Pay supported
Against it
- 2% card-spend fee + 1.75% FX = ~3.75% effective cost on FX spend
- ATM: €3 + 1.5% per withdrawal (£2.50 in UK)
- Full KYC (Tier 4) required
- Daily limit €15,000 / ATM €2,000
Also true, in its favour
- Wide geographic coverage (EEA, UK, US, CH, CA, BR, MX, CO)
- Issued via Baanx (UAB Monavate in EU; Monavate Ltd FCA #901097 in UK)
- Funded by BTC, ETH, SOL, USDC, USDT, EURT
What CL Card (Ledger) costs
| Charge | What it costs |
|---|---|
| To get the card | |
| Monthly | $0.00 |
| To spend it | |
| To spend | 2% |
| Per payment, fixed | $0.00 |
| To spend outside the dollar | 1.75% |
| At a cash machine | €3 + 1.5% per withdrawal (£2.50 UK) |
| Total, per $100 spent | $3.75 |
Not published by the issuer: to issue the card, to load.
Read off ledger.com on September 7, 2026.
0 monthly fee. 2% card-spend fee on crypto-funded transactions. 1.75% FX. ATM: €3 + 1.5% per withdrawal (£2.50 in UK). Effective cost on FX crypto spend ≈ 3.75% per $100. Daily limit €15,000; ATM daily €2,000 (raisable with EDD).
KYC: what CL Card (Ledger) asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Daily spend$15,000
Cash, per day$2,000
Not published by the issuer: monthly spend, per payment, maximum balance.
Confirmed on ledger.com on September 7, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in6BTC, ETH, SOL, USDC, USDT, EURT
Chains3Bitcoin, Ethereum, Solana
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Mixed Trustpilot reviews regarding account holds and support delays
- L2s not supported (only L1 Bitcoin/Ethereum/Solana for funding)
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off ledger.com on September 7, 2026.
- Issuer's page
- Cost per $100 · Currency conversion · Per-payment charge · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Loading charge · Issuance · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open ledger.comNot a paid link: we earn nothing either way.
Alternatives to CL Card (Ledger)
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