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Comparison

Brighty Card vs. Ledger CL Card compared

  • Image source Source brighty.app Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Brighty CardBrighty
  • 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 lowest foreign currency fee (0 %).
  • Ledger CL Card ask for the least (ID document).
  • Ledger CL Card has the higher score (67.36).
Attribute Brighty CardBrighty Requires KYC Private Virtual Ledger CL CardBaanx Requires KYC Private & business Virtual Physical
Score average good
CostsWeight 25 % 88 89
KYC and privacyWeight 20 % 18 35
FeaturesWeight 15 % 92 95
AvailabilityWeight 10 % 24 57
RewardsWeight 10 % 13 40
TrustWeight 10 % 79 91
CommunityWeight 10 % not scored not scored
KYC KYC: ID + proof of address KYC: ID document
Limits (entry level)
  • Crypto withdrawal per month: no limit
 no limits captured
Basics
Card form
debit Source and check Source brighty.app Wording at the source Wallester Consumer Debit Card Terms Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
debit 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)
virtual Two sources, two values Shownvirtual help.brighty.appchecked 29 Oct 2026 - physical: Currently unavailable. Attempts to order a physical Mastercard will not be fulfilled due to service limitations. Differingvirtual, physical help.brighty.appfetched 29 Oct 2026 Select "Virtual Card" or "Physical Card" Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
virtual, physical 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 Two sources, two values ShownVisa brighty.appchecked 29 Oct 2026 Card means a payment instrument that uses the Visa network, issued by Wallester and which the Cardholder may use to perform Operations. The Card can be a Chip&Pin Card or a Virtual Card; DifferingMastercard brighty.appfetched 29 Oct 2026 Powered by Mastercard 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Standard: Visa 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/region United States: Visa 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 FDIC Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source brighty.app Wording at the source Virtual accounts, payment cards, custody, and on/off ramp services are provided by licensed partners. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
custodial 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 Source and check Source brighty.app Wording at the source No delays—convert your crypto into spending power instantly. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
converted on spend 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)
AED, EUR, GBP, USD Two sources, two values ShownAED, EUR, GBP, USD help.brighty.appchecked 29 Oct 2026 At the moment, the Brighty App supports the following fiat currencies: - EUR - USD - GBP - AED DifferingEUR, GBP, USD help.brighty.appfetched 29 Oct 2026 - Fiat currency accounts (currently available currencies) - EUR, GBP and USD (upon request) 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?
EUR, GBP, USD Source and check Source public.withcl.com Wording at the source 8.2 Fiat Currencies GBP Currently Available EUR Currently Available USD Currently Available Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage (differs)
personal Source and check Source brighty.app Wording at the source Wallester Consumer Debit Card Terms Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
personal, business 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)
Wallester AS Source and check Source brighty.app Wording at the source Wallester means Wallester AS (registration number 11812882), the payment services provider, registered office at F.R. Kreutzwaldi 4, 10120 Tallinn, Estonia, which holds activity license No. 4.1-1/224... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Standard: unknown
3 more countries/regions EU: UAB Monavate 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 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 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 FDIC Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on (differs)
plan Source and check Source brighty.app Wording at the source A subscription plan determines the features, limits, pricing or other service benefits available to the Client. It does not replace BTY's onboarding, AML/CFT, product-eligibility, risk or other requir... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Cards per account
unknown
unknown
Availability
Available in
unknown
unknown
Crypto
Supported assets (differs)
BTC, ETH, USDC, SOL, BNB, TRX, TON, ADA, EURC, MATIC, ARB, SHIB Two sources, two values ShownBTC, ETH, USDC, EURC, SOL, BNB, ADA, TRX, TON, MATIC, ARB, SHIB, TRUMP, XTZ, ISLM, NPC help.brighty.appchecked 29 Oct 2026 #### At the moment, the Brighty App supports the following cryptocurrencies: - USDC (USD Coin) - EURC (EUR Coin) - ADA (Cardano) - XTZ (Tezos) - ISLM (Islamic Coin) - TON (Toncoin) - BTC (Bitcoin) -... DifferingBTC, ETH, USDC, EURC, SOL, BNB, ADA, TRX, MATIC, ARB, ATOM, EURA, GRAM, XTZ brighty.appfetched 29 Oct 2026 ## Cryptocurrencies [ Bitcoin BTC ](/en/convert/btc/eur)[ Ethereum ETH ](/en/convert/eth/eur)[ USD Coin USDC ](/en/convert/usdc/eur)[ Solana SOL ](/en/convert/sol/eur)[ Gram GRAM ](/en/conv... Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
+ 4 more BTCETHUSDCSOLBNBTRXTONADAEURCMATICARBSHIBTRUMPXTZISLMNPC
BTC, ETH, USDT, USDC, XRP, LTC, EURT, BXX 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)
only in the app Source and check Source help.brighty.app Wording at the source You can always check the list of supported cryptocurrencies in What cryptocurrencies are currently supported? \| Brighty FAQ article or directly in the app by going to: "Top Up" → "Crypto Transfer" →... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Bitcoin, Ethereum, Solana, Litecoin, XRP Ledger 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
Yes Source and check Source help.brighty.app Wording at the source You can top up via: - Easy Bank Transfer - Bank Transfer - Crypto Transfer Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes Source and check Source public.withcl.com Wording at the source Deposit Fees (via Bank Transfer) EUR Free GBP Free Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Payments
Mobile wallets
Apple Pay Google Pay Source and check Source help.brighty.app Wording at the source Apple Pay is currently unavailable for Mastercard cards due to ongoing technical updates and system-related maintenance. At the moment Google Pay for Mastercard cards remains fully operational, and Ap... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Apple Pay Google Pay 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 Source and check Source brighty.app Wording at the source Accepted by millions of merchants and ATMs worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes 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 Source and check Source brighty.app Wording at the source Chip&Pin Card means a physical Card with an electronic chip, requiring a PIN-code as an authorization mean and has a Near Field Communication function. A Chip&Pin Card can be made of plastic,... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes 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)
2.99 EUR Source and check Source help.brighty.app Wording at the source ## Virtual Card (MASTERCARD): ## Brighty Subscription plans | | One | Plus | Pro | |---|---|---|---| | Free Card Limit | 1 | 2 | 3 | | Total Card Limit | 1 | 2 | 3 | | Monthly Issue Limit | 10 | 10... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Physical card issuance (differs)
not applicable Source and check Source help.brighty.app Wording at the source - physical: Currently unavailable. Attempts to order a physical Mastercard will not be fulfilled due to service limitations. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
0.00 EUR Source and check Source public.withcl.com Wording at the source Issuing of debit card Per card €0.00 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Free cards
unknown
unknown
Shipping
unknown
unknown
Monthly fee
0.00 EUR Source and check Source help.brighty.app Wording at the source ## Virtual Card (MASTERCARD): ## Brighty Subscription plans | | One | Plus | Pro | |---|---|---|---| | Free Card Limit | 1 | 2 | 3 | | Total Card Limit | 1 | 2 | 3 | | Monthly Issue Limit | 10 | 10... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.00 EUR Source and check Source public.withcl.com Wording at the source CL Powered by Ledger account Monthly maintenance fee €0.00 Total annual fee €0.00 Checked 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 Source and check Source public.withcl.com Wording at the source CL Powered by Ledger account Monthly maintenance fee €0.00 Total annual fee €0.00 Checked 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 % 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)
0.6 % Source and check Source help.brighty.app Wording at the source ## Currency Exchange: Brighty subscription plans | | One | Plus | Pro | |---|---|---|---| | Free FX limit per month | €0 | €2000 | €5000 | | Fee, above free limit | 0.6% | 0.5% | 0.4% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0 % 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 value Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance (differs)
0.00 EUR Source and check Source help.brighty.app Wording at the source ## Currency Exchange: Brighty subscription plans | | One | Plus | Pro | |---|---|---|---| | Free FX limit per month | €0 | €2000 | €5000 | | Fee, above free limit | 0.6% | 0.5% | 0.4% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Minimum FX fee
unknown
unknown
ATM fee
unknown
unknown
Declined payment fee (differs)
unknown
0.00 EUR Source and check Source public.withcl.com Wording at the source Refusing a payment due to lack of funds Per payment €0.00 Checked 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)
Wallester may terminate the card terms without prior notice after the card has not been used for Operations for 6 consecutive months. Source and check Source brighty.app Wording at the source - the Card has not been used for Operations for 6 consecutive months. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
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. 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)
unknown
5.00 EUR Source and check Source public.withcl.com Wording at the source Replacement debit card Per card €5.00 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Rewards
Cashback (differs)
0.5 % (cap 20.00 USDC/month) · in USDC
1 % 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.

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

Early warning

Watch both cards

One mail when something changes at Brighty Card · Ledger CL Card: promotions and bonuses as well as warnings and incidents.

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You will first get a mail with a confirmation link.