TL;DR.CL Card (Ledger) is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $3.75. Top-up fee n/a, FX fee 1.75%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 1, 2026.
CARD PROFILE · FULL KYC
CL Card (Ledger).
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.
Cost / $100
$3.75
Top-up fee
—
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +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
- +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
Cons.
- −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
- −Mixed Trustpilot reviews regarding account holds and support delays
- −L2s not supported (only L1 Bitcoin/Ethereum/Solana for funding)
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
—
Transaction fee
2%
FX fee
1.75%
Issuance
—
Monthly
Free
Cost / $100
$3.75
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).
COVERAGE
Where it works.
Supported coins
BTCETHSOLUSDCUSDTEURT
Chains
BitcoinEthereumSolana
Use cases
Online · IRL · ATM
Blocked countries
None
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
3.5/5
2473 reviews
Monevia score
90/100
Verified May 1, 2026
ALTERNATIVES