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Image source Source withcl.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Baanx

Ledger CL Card

KYC: ID document KYC and limits

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score good of 100

How it is made up ↓Methodology →

To Baanx

Basicsledger-cl-card

Card form
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
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
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 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 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
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
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?
Limits depend on
unknown
Cards per account
unknown
Mobile wallets
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 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 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 and cashback

AttributeValue
Fees
Virtual card issuance unknown
Physical card issuance 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?
Shipping unknown
Monthly fee 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 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
  • top-up via bank transfer: free 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? ↳ Topping up 89.85 EUR: 0.00 EUR ↳ Topping up 898.47 EUR: 0.00 EUR
Crypto deposit fee unknown
Crypto conversion fee 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?
Minimum conversion unknown
Foreign currency fee 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?
Minimum FX fee unknown
ATM fee unknown
Merchant-specific fee unknown
Declined payment fee 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
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. 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 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? ↳ replacement_1: 5.00 EUR ↳ replacement_2: 5.00 EUR
Plan waivers unknown
Cashback & rewards
Cashback 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?

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Tier 1 at Baanx

      from age 18

      Source and check Source public.withcl.com Wording at the source The identity verification information we request may include, but is not limited to, Your: ● Name, ● Email address, ● Residential address, ● Contact details, ● Telephone number, ● Username, ●... Checked Verified Value wrong? History What does [s] mean?

      Requires: E-mail, Phone number, Name and date of birth, Address, ID document

KYC: ID document Baanx states that it does not offer a KYC-free card.

When is KYC needed?

  • Ordering a physical cardTo order a physical card, Baanx requires level 1 (e-mail address, phone number, name and date of birth, address, ID document). Source and check Source withcl.com Wording at the source Before ordering your Crypto Life card, we require all users to pass KYC / Account Verification. You will then need to ensure that your account is funded. You must also be a resident of one of our supp... Checked Verified Value wrong? History What does [s] mean?
  • Risk reviewAfter a risk review at its own discretion, Baanx may request additional documents such as proof of source of funds. Source and check Source public.withcl.com Wording at the source We may require additional information from you from time to time and you must cooperate by providing such information upon request. Checked Verified Value wrong? History What does [s] mean?
  • High volumeFor high volumes, Baanx may request additional documents such as proof of source of funds. Source and check Source withcl.com Wording at the source All transactions are reviewed using our cutting-edge technology and highly talented transactions team. You may be required to provide us with certain documentation for transactions above 10,000 GBP/EU... Checked Verified Value wrong? History What does [s] mean?
What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in
  • by residence: Available in: Brazil, Canada, Colombia, European Economic Area, Mexico, Switzerland, United Kingdom, United States Source and check Source shop.ledger.com Wording at the source The CL Card is currently available in the EEA, the UK, the US, Canada, Switzerland, Colombia, Mexico, and Brazil. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Residency requirement Reside in a country where CL products & services are available. Source and check Source public.withcl.com Wording at the source Reside in a country where CL products & services are available. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • 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

✓ available · ✗ not available · ? not known from the sources

Point at or tap a country.

available (37) not available (213) unknown

Crypto

AttributeValue
Supported assets 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
Top-up networks 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?
Spending order unknown
Fiat top-up 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?

Bonuses and promotions

What Baanx offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

No referral bonus, welcome bonus or promotion documented yet.

Trust

AttributeValue
Issuer / BIN sponsor 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?
Program manager Baanx Source and check Source shop.ledger.com Wording at the source Receive 1% cashback in BTC, USDC, or USDT every time you shop. Securely fund your debit card via Ledger Wallet™. CL Card, provided by Baanx* designed for Ledger. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Headquarters unknown
Support channels chat, email Source and check Source withcl.com Wording at the source Our Support Team is ready to help via the in-app messaging. This is the fastest and most efficient way. Alternatively, you can email us at [[email protected]](/cdn-cgi/l/email-protection) Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Brand on record since 11/2022 Source and check Source web.archive.org Wording at the source archived capture: 2022-11-18 Checked Verified
Card since 2022 Source and check Source ledger.com Wording at the source We announced the European launch of the Crypto Life "CL" Card, powered by Ledger and provided by Baanx, a UK-based Web3 Fintech company. Checked Verified

Issuer

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

Company

Headquarters United Kingdom Source and check Source ledger.com Wording at the source We announced the European launch of the Crypto Life "CL" Card, powered by Ledger and provided by Baanx, a UK-based Web3 Fintech company. Checked Verified
Legal form Ltd Source and check Source withcl.com Wording at the source The Crypto Life Platform is provided by Frozen Time Unipessoal LDA, registered by Banco de Portugal to provide Crypto Asset Services, supported by it's partner baanx.com Ltd who are authorised and reg... Checked Verified

Card history

Card launched 2022 Source and check Source ledger.com Wording at the source We announced the European launch of the Crypto Life "CL" Card, powered by Ledger and provided by Baanx, a UK-based Web3 Fintech company. Checked Verified

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

Licences

Licence of the card issuer Monavate

  • Financial Conduct Authority Source and check Source krak.app Wording at the source In the UK, Krak is a global money app. Krak Card is issued by Monavate Limited, authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services (FRN:... Checked Verified What does [s] mean? E-money licence 901097 (GB) Register entry
  • Bank of Lithuania Source and check Source okx.com Wording at the source We are authorised by the Bank of Lithuania: UAB Monavate Limited is authorised by the Bank of Lithuania ("BOL") (authorisation code LB002139) to issue electronic money and provide payment services. Checked Verified What does [s] mean? E-money licence LB002139 (LT)

What users report

No community reports evaluated yet.

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.

Methodology and weights
  1. CostsWeight 25 %
    89/100
    22.2 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    95/100
    14.2 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    57/100
    5.7 of 10 points

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    40/100
    4.0 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    91/100
    9.1 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % 100
    • IssuerWeight 15 % 100
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 57
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

News

Recent news about Baanx from the press and the provider's own channels, rated automatically. · last 90 days: 0 positive, 1 neutral, 0 negative

  1. Baanx Group Ltd Neutral Review
    CryptoLife Card : perks, cashbacks & fees

    Assessment: 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.

Early warning

Alerts for this card

We tell you what changes at Ledger CL Card and Baanx, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 70.14 to 67.36.

  • Market launch: January 1, 2022.

  • Headquarters: United Kingdom.

  • Score changed from 73.79 to 70.14.

  • Changes to KYC levels and requirements.

  • Changes to KYC levels and requirements.

  • Score changed from 73.29 to 73.79.

  • Changes to KYC levels and requirements.

  • Score changed from 59.41 to 73.29.

  • Changes to licences.

  • Score changed from 60.29 to 59.41.

  • New logo.

  • Changes to licences.

Apply for Ledger CL Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To Baanx