Comparison
Ledger CL Card vs. Oobit Crypto 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
Ledger CL CardBaanx
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Oobit Crypto CardOobit
In short
- Ledger CL Card has the lowest foreign currency fee (0 %).
- Fewest documents: Ledger CL Card (ID document).
- Ledger CL Card has the best score (68.13).
| Attribute |
Ledger CL CardBaanx
|
Oobit Crypto CardOobit
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual Physical | Requires KYC Private Virtual |
| Score | good | good |
| CostsWeight 25 % | 90 | 80 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 95 | 88 |
| AvailabilityWeight 10 % | 57 | 65 |
| RewardsWeight 10 % | 44 | 100 |
| TrustWeight 10 % | 91 | 81 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) | no limits captured |
|
| Basics | ||
| Card form (differs)same for all |
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? |
credit
oobit.com checked 29 Oct 2026
Source and check
Source
oobit.com
Wording at the source
The Oobit Crypto Card is a credit card that uses your digital assets as collateral for everyday spending. Transactions run over the Visa network and settle in local currency, so merchants are paid the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
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? |
virtual
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Oobit, the crypto payments platform, has launched contactless crypto ATM cash withdrawals, allowing KYC-verified users globally to withdraw physical cash by tapping their phones at any supported NFC-e...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card networksame for all |
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? |
Visa
oobit.com checked 29 Oct 2026
Source and check
Source
oobit.com
Wording at the source
The Oobit Crypto Card is a credit card that uses your digital assets as collateral for everyday spending. Transactions run over the Visa network and settle in local currency, so merchants are paid the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody (differs)same for all |
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? |
self-custody
oobit.com checked 30 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Oobit doesn't hold your funds. Connect MetaMask, Trust Wallet, Phantom, or Base, and your crypto stays in your wallet until the exact moment you tap to pay. No pre-funding, no custodial balance sittin...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
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? |
converted on spend
oobit.com checked 29 Oct 2026
Source and check
Source
oobit.com
Wording at the source
A crypto card is a payment card that lets you use USDT, Bitcoin, Ethereum, and other stablecoins as easily as cash. With Oobit, you stay in crypto until the point of purchase. When you pay, your crypt...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
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? |
USD
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
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? |
personal
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
You will use the Oobit Card for personal, family, or household useChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
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? |
ThirdNational
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is ThirdNational.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 | unknown |
Available in 74 countries and regions
oobit.com checked 30 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Oobit is available in 80+ countries across six continents, and we add new markets regularly.Europe: Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czechia, Denm...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
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? |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, TON, DOGE, ADA, LTC
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Oobit supports USDC, USDT, BNB, USDR, EURR, BTC, DOGE, ETH, SOL, TRX, XRP, XTZ, TON, VET, XAUT, LTC, XLM, TRUMP, ADA, BCH, and SHIB for payments and transfers.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? + 3 moreBTCETHUSDTUSDCSOLBNBXRPTRXTONDOGEADALTCBCHXLMSHIB |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networks (differs)same for all |
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? |
Ethereum, Polygon, Arbitrum, Optimism
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
"Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of Issuer.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
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? |
Yes
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
You can buy crypto in the Oobit app with a credit card starting from 10 USD or transfer supported cryptocurrencies from your existing wallet or exchange.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
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? |
Apple Pay
Google Pay
oobit.com checked 29 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Connect your wallet or top up with stablecoins, then add your card to Apple Pay or Google Wallet. Simple as that.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
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? |
Yes
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
KYC-verified users can now tap their phones at supported NFC-enabled ATMs to withdraw cash from their Oobit balance, without a physical card or linked bank account.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
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? |
Yes
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Oobit, the crypto payments platform, has launched contactless crypto ATM cash withdrawals, allowing KYC-verified users globally to withdraw physical cash by tapping their phones at any supported NFC-e...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
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? |
0.00 USD
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Yes. With Oobit, creating and holding a card is free. If a fee applies, it will always be shown clearly in your receipt or confirmation.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all |
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? |
unknown |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown | unknown |
| Monthly feesame for all |
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? |
0.00 USD
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Yes. With Oobit, creating and holding a card is free. If a fee applies, it will always be shown clearly in your receipt or confirmation.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual feesame for all |
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? |
0.00 USD
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Yes. With Oobit, creating and holding a card is free. If a fee applies, it will always be shown clearly in your receipt or confirmation.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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 |
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? |
unknown |
| Foreign currency fee (differs)same for all |
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? |
1.5 %
oobit.com checked 30 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Foreign Transaction Fees up to 1.5%Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
2.5 %
oobit.com checked 30 Oct 2026
Source and check
Source
oobit.com
Wording at the source
ATM withdrawals There’s a 2.5% fee on ATM withdrawals. 2.5%Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all |
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? |
unknown |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all |
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? |
unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all | unknown | unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all |
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? |
unknown |
| Card replacementsame for all |
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 |
| Unknown for all | Free cards · Shipping · Top-up fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Refund fee · Inactivity fee · Minimum monthly spend | |
| Rewards | ||
| Cashback (differs)same for all |
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? |
10 %
oobit.com checked 28 Oct 2026
Source and check
Source
oobit.com
Wording at the source
Token Rewards: Users will receive 10% token rewards on eligible transactions paid with OOB tokens, capped at a maximum spend of USD 5,000;Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all | unknown | unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Ledger CL Card · Oobit Crypto Card: promotions and bonuses as well as warnings and incidents.