Comparison
Bitpanda 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
Bitpanda CardBitpanda
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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 higher score (67.36).
| Attribute |
Bitpanda CardBitpanda
Requires KYC
Private
Physical
|
Ledger CL CardBaanx
Requires KYC
Private & business
Virtual
Physical
|
|---|---|---|
| Score | average | good |
| CostsWeight 25 % | 90 | 89 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 64 | 95 |
| AvailabilityWeight 10 % | 21 | 57 |
| RewardsWeight 10 % | 26 | 40 |
| TrustWeight 10 % | 83 | 91 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form |
debit
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
The Bitpanda Card is a debit card, therefore you cannot create any debt when using it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
debit
shop.ledger.com checked 29 Oct 2026
Source and check
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) |
physical
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
Your card will typically be shipped within 3-7 working days.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical
withcl.com checked 29 Oct 2026
Source and check
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 network |
Visa
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Standard:
Visa
public.withcl.com checked 29 Oct 2026
Source and check
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? 1 more country/regionUnited States: Visa shop.ledger.com checked 29 Oct 2026 Source and check Source shop.ledger.com Wording at the sourceThe 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? |
| Custody |
custodial
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
It is connected to your Bitpanda account and enables you to spend funds directly from any of your wallets - be that fiat, crypto, stocks or metals.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
withcl.com checked 29 Oct 2026
Source and check
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 model |
converted on spend
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
This means at the moment you complete a purchase or cash withdrawal with your card, your asset will instantly and automatically be traded to EUR and deducted from your EUR fiat currency wallet to comp...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
converted on spend
withcl.com checked 29 Oct 2026
Source and check
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 currencies (differs) |
EUR
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
The Bitpanda Card is nominated in EUR and all related transactions are processed in EUR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
EUR, GBP, USD
public.withcl.com checked 29 Oct 2026
Source and check
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) |
personal
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
- You have a verified Bitpanda account - You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal, business
public.withcl.com checked 29 Oct 2026
Source and check
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 sponsor (differs) |
Transact Payments Malta Limited
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Standard:
unknown
3 more countries/regionsEU: UAB Monavate shop.ledger.com checked 29 Oct 2026 Source and check Source shop.ledger.com Wording at the sourceThe 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 on | unknown | unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
For instance, you initially set the Main payment asset to be Bitcoin but now you want to pay with Ethereum instead.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
BTC, ETH, USDT, USDC, XRP, LTC, EURT, BXX
public.withcl.com checked 29 Oct 2026
Two sources, two values
ShownBTC, ETH, USDT, USDC, XRP, LTC, EURT, BXX
public.withcl.comchecked 29 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...DifferingBTC, ETH, SOL shop.ledger.comfetched 29 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.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
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-up (differs) | unknown |
Yes
public.withcl.com checked 29 Oct 2026
Source and check
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? |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
Enjoy all the benefits of the Bitpanda Card while paying contactless with Apple Pay.Checked Verified Check overdue · last 29 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 withdrawals |
Yes
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
shop.ledger.com checked 29 Oct 2026
Source and check
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? |
| Contactless |
Yes
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
Enjoy all the benefits of the Bitpanda Card while paying contactless with Apple Pay.Checked Verified Check overdue · last 29 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 | unknown | unknown |
| Physical card issuance |
0.00 EUR
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
| Initial shipment | Free | Free | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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
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 cards | unknown | unknown |
| Shipping (differs) |
0.00 EUR – 0.00 EUR
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
| Initial shipment | Free | Free | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Monthly fee |
0.00 EUR
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
| Monthly cost | Free | Free | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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? |
| Annual fee (differs) | 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? |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | 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 fee (differs) |
0 % above the network rate
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
| Non-EUR FX Fee | €0 | 0 kr | 0 kr | 0 kr. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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 allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
2 % (min. 2.00 EUR)
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
| Min. ATM fee | 2% or €2 (whatever is higher) | 2% or 22 kr (whatever is higher) | 2% or 22 kr (whatever is higher) | 2% or 15 kr. (whatever is higher) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Transaction fee (differs) | unknown |
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 fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee (differs) | unknown |
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 fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule (differs) | 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) |
5.90 EUR
bitpanda.com checked 29 Oct 2026
Source and check
Source
bitpanda.com
Wording at the source
| Replacement card (Reissue) | €5.90 | 65 kr | 65 kr | 45 kr. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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? |
| Rewards | ||
| Cashback (differs) | 1 % (holding from 0) · in BTC |
1 %
shop.ledger.com checked 29 Oct 2026
Source and check
Source
shop.ledger.com
Wording at the source
Currently, rewards are 1% cashback in BTC or USDC in the US and 1% cashback in BTC or USDT, in other countries.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
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One mail when something changes at Bitpanda Card · Ledger CL Card: promotions and bonuses as well as warnings and incidents.