Comparison
Amulets Card vs. Ledger CL Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Amulets CardAmulets
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Ledger CL CardBaanx
In short
- Ledger CL Card has the best score (66.86).
| Attribute |
Amulets CardAmulets
|
Ledger CL CardBaanx
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private & business Virtual Physical |
| Score | average | good |
| CostsWeight 25 % | 50 | 84 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 84 | 96 |
| AvailabilityWeight 10 % | 47 | 57 |
| RewardsWeight 10 % | 40 | 44 |
| TrustWeight 10 % | 82 | 93 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs)same for all |
prepaid
amulets.io checked 30 Oct 2026
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Source
amulets.io
Wording at the source
Stablecoin-funded, volatility-free. Fund your Amulets account with USDC or USDT before your trip. Your travel budget stays dollar-stable regardless of market conditions. You don't need to worry about...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
debit
shop.ledger.com checked 29 Oct 2026
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Source
shop.ledger.com
Wording at the source
Sichere dir bei jedem Einkauf 1 % Cashback in BTC, USDC oder USDT. Lade deine Debitkarte sicher via Ledger Wallet™ auf. Die CL-Karte ist ein Angebot von Baanx*, speziell entwickelt für Ledger.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual
amulets.io checked 30 Oct 2026
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Source
amulets.io
Wording at the source
- Use a virtual card compatible with the Visa network, subject to issuer and network rulesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical
withcl.com checked 29 Oct 2026
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Source
withcl.com
Wording at the source
Virtual-only cards are instantly activated and ready to use.If you've ordered a physical card, it will remain in activation status until 19:00 UTC. After this time, you will be able to start using it...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card networksame for all |
Visa
amulets.io checked 30 Oct 2026
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Source
amulets.io
Wording at the source
- Use a virtual card compatible with the Visa network, subject to issuer and network rulesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Standard:
Visa
public.withcl.com checked 29 Oct 2026
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Source
public.withcl.com
Wording at the source
"CL User" or "User" refer to the holder of a CL Account and / or the authorised user of the CL™ account and Visa debit card and any additional cardholder (as applicable).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? United States: Visa shop.ledger.com checked 29 Oct 2026 Source and check Source shop.ledger.com Wording at the source The VISA debit card offered in the US is in partnership with Cross River Bank, Member FDICChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
amulets.io checked 30 Oct 2026
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Source
amulets.io
Wording at the source
14.1 Custodial services. Amulets or the designated custodian controls the private keys used for custodial operations.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
withcl.com checked 29 Oct 2026
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Source
withcl.com
Wording at the source
You have total ownership over your assets as long as their private keys are safely stored in your Ledger wallet. Once you transfer funds from your wallet to the card, they are no longer under self-cus...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
converted on spend
amulets.io checked 29 Oct 2026
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Source
amulets.io
Wording at the source
Amulets takes a different path. Your balance is held in stablecoin on public networks like Solana, Ethereum, BNB and Polygon. When you pay, it converts directly into local currency at the moment of pu...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
converted on spend
withcl.com checked 29 Oct 2026
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Source
withcl.com
Wording at the source
No. You need to fund your Crypto Life Card before you start spending. You can fund the card with the crypto you have in your Ledger Live wallet. Crypto-to-fiat conversion will take place at the time o...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currenciessame for all | unknown |
EUR, GBP, USD
public.withcl.com checked 29 Oct 2026
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Source
public.withcl.com
Wording at the source
8.2 Fiat Currencies GBP Currently Available EUR Currently Available USD Currently AvailableChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal
amulets.io checked 28 Oct 2026
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Source
amulets.io
Wording at the source
2.2 Personal use and ownership. Unless an approved product expressly permits otherwise, use your Account for your own lawful purposes. You must hold or have valid authority to transfer the assets you...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal, business
public.withcl.com checked 29 Oct 2026
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Source
public.withcl.com
Wording at the source
Are an individual, legal person or other organisation with full legal capacity and authority to enter these Terms.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all | unknown |
Standard:
unknown
EU:
UAB Monavate
shop.ledger.com checked 29 Oct 2026
Source and check
Source
shop.ledger.com
Wording at the source
The CL Card and underlying Account for EU customers are maintained and operated by UAB Monavate, an entity registered and regulated in Lithuania under legal entity code 305628001.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? United Kingdom: Monavate Ltd shop.ledger.com checked 29 Oct 2026 Source and check Source shop.ledger.com Wording at the source The CL Card and underlying Account for UK customers are maintained and operated by Monavate Ltd, an entity registered and regulated in England under legal entity code 12472532, with FCA registered num...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? United States: Cross River Bank shop.ledger.com checked 29 Oct 2026 Source and check Source shop.ledger.com Wording at the source The VISA debit card offered in the US is in partnership with Cross River Bank, Member FDICChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend onsame for all | unknown | unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Limits depend on · Cards per account | |
| Availability | ||
| Available insame for all |
Available in 68 countries and regions
faq.amulets.io checked 29 Oct 2026
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Source
faq.amulets.io
Wording at the source
The countries listed below reflect the current Wirex BaaS non-custodial card-program availability. They do not define general Amulets account eligibility. ## 🌍 Europe > Andorra, Austria, Belgium, B...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDT, USDC, SOL, BNB, XLM
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
### Base | Asset | Minimum deposit | Withdrawal fee | Minimum withdrawal | Maximum withdrawal | Daily withdrawals | |---|---|---|---|---|---| | USDC | 1 USDC | 3 USDC + 0.10% | 2 USDC | 2,500 USDC |...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
BTC, ETH, USDT, USDC, SOL, XRP, LTC, BXX, EURT
shop.ledger.com checked 30 Oct 2026
Two sources, two values
ShownBTC, ETH, USDT, USDC, SOL, XRP, LTC, BXX, EURT
shop.ledger.comchecked 30 Oct 2026
Fund your card quickly and easily with BTC, ETH, SOL, stablecoins and more directly from your secure Ledger signer via the Ledger Wallet™ app. Use your card with Apple Pay and Google Pay.DifferingBTC, ETH, USDT, USDC, XRP, LTC, BXX, EURT public.withcl.comfetched 30 Oct 2026 8.1 Cryptocurrencies BTC Currently Available ETH Currently Available EURT Currently Available XRP Currently Available LTC Currently Available USDT Currently Available USDC Currently Avai...Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networks (differs)same for all |
Bitcoin, Ethereum, BNB Smart Chain, Solana, Polygon, Base, Stellar
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
### Base | Asset | Minimum deposit | Withdrawal fee | Minimum withdrawal | Maximum withdrawal | Daily withdrawals | |---|---|---|---|---|---| | USDC | 1 USDC | 3 USDC + 0.10% | 2 USDC | 2,500 USDC |...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
Bitcoin, Ethereum, Solana, Litecoin, XRP Ledger
withcl.com checked 29 Oct 2026
Source and check
Source
withcl.com
Wording at the source
At present, the main blockchains of Bitcoin, Litecoin, XRP, Ethereum and Solana* are supported for receiving and sending crypto funds. Please note that Layer 2 networks are not currently supported. Pl...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all | unknown |
Yes
public.withcl.com checked 29 Oct 2026
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Source
public.withcl.com
Wording at the source
Deposit Fees (via Bank Transfer) EUR Free GBP FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
amulets.io checked 30 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Amulets was designed from the ground up for international use. It runs on the Visa network, works with Apple Pay and Google Pay, and is specifically built to avoid the traditional banking markups that...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
shop.ledger.com checked 29 Oct 2026
Source and check
Source
shop.ledger.com
Wording at the source
Lade deine Karte schnell und einfach mit BTC, ETH, SOL, Stablecoins und mehr direkt auf – mit deinem sicheren Ledger-Signer und der Ledger Wallet™-App. Nutze deine Karte mit Apple Pay und Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown |
Yes
shop.ledger.com checked 29 Oct 2026
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Source
shop.ledger.com
Wording at the source
Hebe an Geldautomaten weltweit lokale Währungen ab, um deine Krypto jederzeit und überall wie Bargeld auszugeben, und genieße die Freiheit, dein Geld nach Belieben zu nutzen.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
amulets.io checked 30 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Apple Pay and Google Pay from day one. No need to carry a physical card. Add your Amulets virtual card to your phone wallet before you leave and pay contactlessly anywhere NFC is accepted, which cover...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
withcl.com checked 29 Oct 2026
Source and check
Source
withcl.com
Wording at the source
Your digital card can be used to make online purchases wherever the merchant supports digital cards.You can also add your card to Google Pay or Apple Pay and use it to pay in-store wherever contactles...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs)same for all |
not published
amulets.io checked 29 Oct 2026
Source and check
Source
amulets.io
Wording at the source
9.6 Rates and fees. Rates may be determined at authorisation, settlement or another stage specified in the Card Program Documents. An advance quote may not be available for a merchant-initiated Card p...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 EUR
shop.ledger.com checked 30 Oct 2026
Source and check
Source
shop.ledger.com
Wording at the source
## Free virtual card Accepted worldwide. Earn crypto rewards every time you shop.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all | unknown |
0.00 EUR
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
Issuing of debit card Per card €0.00Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all | unknown |
0.00 EUR
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
CL Powered by Ledger account Monthly maintenance fee €0.00 Total annual fee €0.00Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
amulets.io checked 30 Oct 2026
Source and check
Source
amulets.io
Wording at the source
No annual fee. You're not paying $1,000/year for travel perks you might not use. Amulets is free, and your rewards scale with how much you actually spend.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 EUR
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
CL Powered by Ledger account Monthly maintenance fee €0.00 Total annual fee €0.00Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown | unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all | unknown |
2 %
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
Bitcoin (BTC) Crypto to Crypto 1.75% Crypto to Fiat 1.75% Card Spend 2% Transfer out 0.4% Litecoin (LTC) Crypto to Crypto 1.75% Crypto to Fiat 1.75% Card Spend 2% Transfer out 0.4% Ether...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency feesame for all | unknown |
0 %
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
Debit card payment in a foreign currency Per transaction €0.00 plus 0% of the transaction valueChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowancesame for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum FX fee (differs)same for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 EUR
public.withcl.com checked 30 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
Debit card payment in a foreign currency Per transaction €0.00 plus 0% of the transaction valueChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM feesame for all | unknown | unknown |
| Transaction fee (differs)same for all |
0.10 USD (US$0.30 for purchases below US$5)
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Authorization fee: - Purchases above US$5: US$0.10 - Purchases below US$5: US$0.30Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0 % + 0.00 EUR
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
Debit card payment in pounds Per transaction €0.00 Debit card payment in a foreign currency Per transaction €0.00 plus 0% of the transaction valueChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border feesame for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment fee (differs)same for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 EUR
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
Refusing a payment due to lack of funds Per payment €0.00Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Refund feesame for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Inactivity feesame for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown |
An account is inactive after more than 365 days without a deposit or restoration request. CL may block the account and closes inactive accounts with no associated assets.
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
CL regards an Account to be inactive if there is no record of You depositing or requesting restoration of Assets on to the Platform for a period exceeding 365 days. We will attempt to contact You, us...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacement (differs)same for all |
only in the app
faq.amulets.io checked 30 Oct 2026
Source and check
Source
faq.amulets.io
Wording at the source
Card fees and limits, when applicable, are shown in the Amulets app before confirmation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
5.00 EUR
public.withcl.com checked 29 Oct 2026
Source and check
Source
public.withcl.com
Wording at the source
Replacement debit card Per card €5.00Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Free cards · Top-up fee · Crypto deposit fee · ATM fee · Withdrawal fee · Minimum top-up · Minimum monthly spend | |
| Rewards | ||
| Cashback (differs)same for all |
0.5 %
amulets.io checked 30 Oct 2026
Source and check
Source
amulets.io
Wording at the source
Every user begins with 0.5% Cryptoback in Solana.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
1–2 %
public.withcl.com checked 30 Oct 2026
Two sources, two values
Shown1–2 %
public.withcl.comchecked 30 Oct 2026
The available rates and currencies for the loyalty program cashback are as follows: BXX - 2%Differing1 % shop.ledger.comfetched 30 Oct 2026 Currently, rewards are 1% cashback in BTC or USDC in the US and 1% cashback in BTC or USDT, in other countries.The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all |
not published
amulets.io checked 30 Oct 2026
Source and check
Source
amulets.io
Wording at the source
11.1 Programs and terms. Amulets may offer Cryptoback, promotional bonuses, task-based incentives, referral benefits and other Rewards. Each program states its eligibility, qualifying activity, period...Checked Verified Add this value? No earlier versions What does [s] mean? |
unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Referral bonus (invited friend) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Amulets Card · Ledger CL Card: promotions and bonuses as well as warnings and incidents.