# Bitpanda Card vs. Ledger CL Card: fees, limits & KYC

- Ledger CL Card has the higher score (67.36).

## Basics

|  | Bitpanda Card | Ledger CL Card |
| --- | --- | --- |
| Card form | debit | debit |
| **Card types** | physical | virtual, physical |
| Card network | Visa | Visa |
| Custody | custodial | custodial |
| Funding model | converted on spend | converted on spend |
| **Card currencies** | EUR | EUR, GBP, USD |
| **Usage** | personal | personal, business |
| **Issuer / BIN sponsor** | Transact Payments Malta Limited | unknown |
| Limits depend on | unknown | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Bitpanda Card | Ledger CL Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Bitpanda Card | Ledger CL Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH | BTC, ETH, USDT, USDC, XRP, LTC, EURT, BXX |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | unknown | Bitcoin, Ethereum, Solana, Litecoin, XRP Ledger |
| **Fiat top-up** | unknown | Yes |

## Payments

|  | Bitpanda Card | Ledger CL Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | Apple Pay, Google Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Bitpanda Card | Ledger CL Card |
| --- | --- | --- |
| Virtual card issuance | unknown | unknown |
| Physical card issuance | 0.00 EUR | 0.00 EUR |
| Free cards | unknown | unknown |
| **Shipping** | 0.00 EUR – 0.00 EUR | unknown |
| Monthly fee | 0.00 EUR | 0.00 EUR |
| **Annual fee** | unknown | 0.00 EUR |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| **Crypto conversion fee** | unknown | 2 % |
| **Foreign currency fee** | 0 % above the network rate | 0 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 2 % (min. 2.00 EUR) | unknown |
| **Transaction fee** | unknown | 0 % + 0.00 EUR |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| **Declined payment fee** | unknown | 0.00 EUR |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | 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. |
| **Card replacement** | 5.90 EUR | 5.00 EUR |

## Rewards

|  | Bitpanda Card | Ledger CL Card |
| --- | --- | --- |
| **Cashback** | 1 % (holding from 0) · in BTC | 1 % |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Bitpanda Card | Ledger CL Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day 10,000 EUR · Spending per week 70,000 EUR · Spending per month 280,000 EUR | no limits captured |

- [Bitpanda Card](https://cryptocardss.com/en/bitpanda-card.md)
- [Ledger CL Card](https://cryptocardss.com/en/ledger-cl-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpanda-card-vs-ledger-cl-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/bitpanda-card-vs-ledger-cl-card/