CL Card powered by Ledger

Ledger · other · debit · Custodial

37 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, CL Card powered by Ledger nets +$120 a year. According to Cardefi data, 6 of 8 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Ledgerdirect — pays us nothing

Cashback at your stake: 1.0%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$120
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Standard	Standard	1.0%	+$120

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	1.0% × $12,000	+$120
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% × $3,000	−$0
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$120

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	€0 / year 1 source “Total annual fee €0.00”[2] · legal · captured 5 Sep 2026
Monthly fee	€0 / month 1 source “Monthly maintenance fee €0.00”[2] · legal · captured 5 Sep 2026
Card issuance	€0Card replacement €5.00; order cancellation within the first 14 days €3.50 1 source “Issuing of debit card Per card €0.00”[2] · legal · captured 5 Sep 2026
Foreign transaction (FX)	0.0%Payment in a foreign currency: €0.00 + 0% 1 source “Debit card payment in a foreign currency Per transaction €0.00 plus 0% of the”[2] · legal · captured 5 Sep 2026
Crypto conversion / spread	— not disclosedAvailable balance is calculated with a "liquidation fee percentage" (Ledger support); amount not disclosed 1 source “and then we apply our liquidation fee percentage.”[1] · help_center · captured 5 Sep 2026
ATM withdrawal	1.5%In a foreign currency: €3.00 + 1.5%; in the account currency €2.50 flat 1 source “Cash withdrawal in foreign currency outside the Per withdrawal €3.00 plus 1.5% of the”[2] · legal · captured 5 Sep 2026
ATM fixed fee	€3 / tx 1 source “Cash withdrawal in pounds in the UK Per withdrawal €2.50”[2] · legal · captured 5 Sep 2026
Card replacement	€5 1 source “Replacement debit card Per card €5.00”[2] · legal · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Standard	1.0% · None · Cap: not disclosed · Paid in BTC, USDC, USDT 1 source “Receive 1% cashback in BTC, USDC, or USDT every time you shop.”[4] · landing · captured 5 Sep 2026

Limits

Spend per month

— not disclosedNot disclosed in the Fee Information Document

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Crypto conversion / spread. Available balance is calculated with a "liquidation fee percentage" (Ledger support); amount not disclosed
Spend per month. Not disclosed in the Fee Information Document

Sources

4 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

support.ledger.com/article/5283612250653-zd · help_center · 5 Sep 2026
public.withcl.com/Fee-Information-Document-CL-Card-Monavate.pdf · legal · 5 Sep 2026
www.lb.lt/en/sfi-financial-market-participants/uab-monavate · legal · 6 Sep 2026
shop.ledger.com/pages/cl-card-crypto-card · landing · 5 Sep 2026

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Access & funding

Regions: 37 countries
KYC: full
Top-up: Crypto from Ledger Wallet, Cryptodraft credit line
Fiat: EUR, GBP
Assets: BTC, ETH, USDT, USDC
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Collateral can be liquidated. Spending draws a credit line against your assets; a price drop can force a sale.
Custodial. The issuer holds your funds; check its licence below.

Who is behind the card

Brand / programme: Baanx
Infrastructure: Baanx
Issuer of record: UAB Monavate (LT)
Licence: Bank of Lithuania · LB002139
Network: — not disclosed
Custody: Custodial · emi safeguarding
Credit: APR 1.0% · collateral can be liquidated

3 sources

“Name of the account provider: UAB Monavate”[2] · legal · captured 5 Sep 2026

“CL Card is provided by Baanx.”[1] · help_center · captured 5 Sep 2026

“Electronic money institution licence”[3] · legal · captured 6 Sep 2026

Status

Now: Live

“CL Card is currently available in the United Kingdom, the United States (except for Vermont), Switzerland, the European Economic Area**, Brazil, Mexico, Colombia, and Canada.”support.ledger.com · captured 5 Sep 2026

Where you can get it

EEA + UK + CH + Americas: 37 countries: AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE, IS, LI, NO, GB, CH, US, BR, MX, CO, CA
US states excluded: VT

1 source

“CL Card is currently available in the United Kingdom, the United States (except for Vermont), Switzerland, the European Economic Area**, Brazil, Mexico, Colombia, and Canada.”support.ledger.com · help_center · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 6 of 8 key figures verified, 2 not disclosed
Confidence: A official source plus an independent one
Disclosure: legal pdf
Source: shop.ledger.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 37 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Availablechecked 5 Sep 2026	UAB Monavate
United Kingdom	Availablechecked 5 Sep 2026	UAB Monavate
Germany	Availablechecked 5 Sep 2026	UAB Monavate
Spain	Availablechecked 5 Sep 2026	UAB Monavate
Brazil	Availablechecked 5 Sep 2026	UAB Monavate
Ireland	Availablechecked 5 Sep 2026	UAB Monavate
Netherlands	Availablechecked 5 Sep 2026	UAB Monavate
Portugal	Availablechecked 5 Sep 2026	UAB Monavate
Poland	Availablechecked 5 Sep 2026	UAB Monavate
Greece	Availablechecked 5 Sep 2026	UAB Monavate
Sweden	Availablechecked 5 Sep 2026	UAB Monavate
Czechia	Availablechecked 5 Sep 2026	UAB Monavate
Austria	Availablechecked 5 Sep 2026	UAB Monavate
Switzerland	Availablechecked 5 Sep 2026	UAB Monavate
Canada	Availablechecked 5 Sep 2026	UAB Monavate
Belgium	Availablechecked 5 Sep 2026	UAB Monavate
Cyprus	Availablechecked 5 Sep 2026	UAB Monavate
Latvia	Availablechecked 5 Sep 2026	UAB Monavate
Slovakia	Availablechecked 5 Sep 2026	UAB Monavate
Croatia	Availablechecked 5 Sep 2026	UAB Monavate
Bulgaria	Availablechecked 5 Sep 2026	UAB Monavate
Estonia	Availablechecked 5 Sep 2026	UAB Monavate
Liechtenstein	Availablechecked 5 Sep 2026	UAB Monavate
Norway	Availablechecked 5 Sep 2026	UAB Monavate
Hungary	Availablechecked 5 Sep 2026	UAB Monavate
Iceland	Availablechecked 5 Sep 2026	UAB Monavate
Mexico	Availablechecked 5 Sep 2026	UAB Monavate
Colombia	Availablechecked 5 Sep 2026	UAB Monavate

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does CL Card powered by Ledger charge on foreign currency?: CL Card powered by Ledger adds 0.0% on transactions in a currency other than the account currency.
Does CL Card powered by Ledger charge an annual fee?: The annual fee for CL Card powered by Ledger is $0.
How much cashback does CL Card powered by Ledger pay?: CL Card powered by Ledger pays up to 1.0%, which is the highest rate any of its tiers reaches.
Does CL Card powered by Ledger work with Apple Pay or Google Pay?: CL Card powered by Ledger works with Apple Pay and Google Pay.
What does CL Card powered by Ledger charge at an ATM?: CL Card powered by Ledger charges 1.5% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind CL Card powered by Ledger?: The issuer does. Spending on CL Card powered by Ledger draws on a balance held by the provider, not in a wallet you control.
Does CL Card powered by Ledger require identity verification?: Yes. CL Card powered by Ledger requires full identity verification before the card can be used.