# Ledger CL Card

by Baanx · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [shop.ledger.com/de/pages/cl-card-crypto-card](https://shop.ledger.com/de/pages/cl-card-crypto-card)

## Facts

- Ledger CL Card is a Visa debit card from Baanx.
- Ledger CL Card has no monthly fee.
- Ledger CL Card has no annual fee.
- A physical card costs 0.00 EUR.
- Payments in foreign currencies cost 0 %.
- Topping up via bank transfer costs free.
- The card works with Apple Pay, Google Pay.
- Base cashback is 1 %.
- Ledger CL Card is available in Brazil, Canada, Colombia, European Economic Area, Mexico, Switzerland, United Kingdom, United States.
- Custody: custodial.
- Supported assets: BTC, ETH, USDT, USDC, XRP, LTC, EURT, BXX.
- Top-up networks: Bitcoin, Ethereum, Solana, Litecoin, XRP Ledger.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical |  | withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Standard | Visa |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ United States | Visa |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ United States | Visa |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | custodial |  | withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | converted on spend |  | withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | EUR, GBP, USD |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal, business |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | unknown |  |  |
| Physical card issuance | 0.00 EUR |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |
| Monthly fee | 0.00 EUR |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Annual fee | 0.00 EUR |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up fee | unknown |  |  |
| ↳ top-up via bank transfer | free |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | 2 % |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 0 % |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | unknown |  |  |
| Merchant-specific fee | unknown |  |  |
| Declined payment fee | 0.00 EUR |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | 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 · verified 29 Oct 2026) |
| Card replacement | 5.00 EUR |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | 1 % |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: ID document

### ID document

- Tier 1 at Baanx — Requires: E-mail, Phone number, Name and date of birth, Address, ID document — public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026)

### When is KYC needed?

- To order a physical card, Baanx requires level 1 (e-mail address, phone number, name and date of birth, address, ID document). — withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026)
- After a risk review at its own discretion, Baanx may request additional documents such as proof of source of funds. — public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026)
- For high volumes, Baanx may request additional documents such as proof of source of funds. — withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Available in: Brazil, Canada, Colombia, European Economic Area, Mexico, Switzerland, United Kingdom, United States |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | Reside in a country where CL products & services are available. |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | available |
| United States | available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | available |
| Nigeria | not available |
| India | not available |
| United Arab Emirates | not available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC, ETH, USDT, USDC, XRP, LTC, EURT, BXX |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Bitcoin, Ethereum, Solana, Litecoin, XRP Ledger |  | withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | unknown |  |  |
| Fiat top-up | Yes |  | public.withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | unknown |  |  |
| ↳ EU | UAB Monavate |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ United Kingdom | Monavate Ltd |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ United States | Cross River Bank |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ EU | UAB Monavate |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ United Kingdom | Monavate Ltd |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ United States | Cross River Bank |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | Baanx |  | shop.ledger.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Headquarters | unknown |  |  |
| Support channels | chat, email |  | withcl.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

Licence of the card issuer Monavate:

- Financial Conduct Authority · emi 901097 · GB [Register entry](https://register.fca.org.uk/s/firm?id=0014G00002UyCbDQAV)
- Bank of Lithuania · emi LB002139 · LT

## Company and trust

- Brand on record since 11/2022
- Card since 2022

### Company

- Headquarters: United Kingdom (Source: ledger.com)
- Legal form: Ltd (Source: withcl.com)

### Card history

- Card launched: 2022 (Source: ledger.com)

### Issuer

- Monavate (Lithuania)
- Registered name: UAB Monavate
- Register number: 305628001
- Issues 7 card programmes in our catalogue

### Transparency

- Transparency 57 %
- 0 of 17 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: no
- Sources last checked 2026-10-29

## How the score is made up

67.36 of 100 · good. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 89 | 22.2 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 95 | 14.2 |
| Availability | 10 % | 57 | 5.7 |
| Rewards | 10 % | 40 | 4.0 |
| Trust | 10 % | 91 | 9.1 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Baanx from the press and the provider's own channels, rated automatically.

- 24 Oct 2026: [CryptoLife Card : perks, cashbacks & fees](https://opencryptocards.com/cards/cryptolife-card) (Baanx Group Ltd) — Neutral. Explainer of the Baanx-powered CryptoLife card features, cashback and fees; no change to card terms is reported.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 29 Oct 2026: Score changed from 70.14 to 67.36.
- 29 Oct 2026: Market launch: January 1, 2022.
- 29 Oct 2026: Headquarters: United Kingdom.
- 29 Oct 2026: Score changed from 73.79 to 70.14.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 73.29 to 73.79.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 59.41 to 73.29.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 60.29 to 59.41.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/ledger-cl-card/report-an-error/

---

- **Canonical URL:** https://cryptocardss.com/en/ledger-cl-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/ledger-cl-card/