Ledger CL Card (Europe): Fees, Limits and Cashback

CL Card fees and limits

Other CL Card fees

• Inactivity: No EU inactivity fee listed. The issuer charges a maintenance fee on funds left 12 months after the agreement ends (issuer terms 16.2). US dormancy fee $0
• Declined transactions: €0 (Refusing a payment due to lack of funds); ATM balance enquiry €0.35
• Card replacement: €5 per card (EU); $30 plastic replacement (US)

Source: CL Card fee terms.

"Not disclosed" means CL Card does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

CL Card cashback and rewards

Ledger's page says "1% cashback in BTC, USDC, or USDT" (BTC or USDC in the US, BTC or USDT elsewhere), claimed from the Loyalty program page. CL's own FAQ also offers 2% if you take the reward in Baanx's BXX token. Spending funded by the Cryptodraft credit line earns nothing. No spend or reward cap is published.

What CL Card costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Run it with your own numbers in the card cost calculator.

CL Card Apple Pay, Google Pay and ATM withdrawals

CL Card works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. ATM withdrawals: €2.50. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where CL Card is available

CL Card is offered in the 37 countries below. Ledger says "The CL Card is currently available in the EEA, the UK, the US, Canada, Switzerland, Colombia, Mexico, and Brazil." This file uses the EU fee schedule. You do not need a Ledger device to get the card.

The crypto card finder lists every card we track by country.

Topping up CL Card

CL Card tops up with BTC, ETH, USDT, USDC, LTC, XRP and SOL on BITCOIN, ETHEREUM, SOLANA. Converting crypto costs 2%. The card is custodial, so the provider holds your card balance.

How to get the CL Card

1. Check that you live in a country where CL Card is offered (see the list above).
2. Download the CL app and complete identity verification with a government ID and a selfie check.
3. Top up with BTC, ETH, USDT, USDC, LTC, XRP and SOL.
4. Issue the virtual card for free and add it to Apple Pay or Google Pay.
5. Order the physical card if you need ATM withdrawals or chip and PIN payments.

What CL Card asks for when you sign up

• ✓ Email: required
• ✓ Phone number: required
• ✓ Government ID: required

Applicants must be 18 or over and live in a supported country, with an address there to receive the card.

Source: CL Card verification requirements.

CL Card app ratings

• App Store: 4.8 out of 5 from 15,174 ratings
• Google Play: 4.5 out of 5 from 35,865 ratings

Checked September 28, 2026.

Who the CL Card suits

• Travellers and people who pay in several currencies, thanks to its 0% FX markup.

CL Card overall rating

CL Card rates 43/100 in our crypto card ranking.

Is CL Card safe?

CL Card scores 64/100 (Good) in our safety check. Issuer: Baanx (CL Card), card account by UAB Monavate (Lithuania). Licensing: EU card and account are "maintained and operated by UAB Monavate", authorised by the Bank of Lithuania (LB002139). UK cards are run by Monavate Ltd (FCA 901097), and US cards are issued with Cross River Bank, Member FDIC. CL's FAQ says the crypto platform is provided by Frozen Time Unipessoal LDA, registered with Banco de Portugal for crypto-asset services, with baanx.com Ltd. BIN sponsor: UAB Monavate.

Only money loaded to the card as e-money is safeguarded under e-money rules. Crypto deposited to the CL platform becomes Baanx's property, and Baanx's terms warn that "in the event that any of Us becomes insolvent ... You may not be able to have the full value of Your deposits restored". Baanx describes its crypto services as "not regulated financial services". We could not find a published proof-of-reserves report. We found no official enforcement actions against the card providers. Ledger's own past security incidents are not listed, because Ledger does not provide or hold funds for the card.

Full CL Card safety report