Ledger CL Card
Ledger (provided by Baanx)
- Cashback
- 1%in BTC/USDT (non-US) or BTC/USDC (US)
- Monthly fee
- Not published
- FX / conversion
- Not published
- Issuance
- Not published (see withcl.com/legal)
- Card type
- virtual + physical
Eligibility & KYC — who can get it
◐ Issued only in selected regionsIssued to residents / citizens of:
CL Card compatible with Ledger is provided by Baanx (FCA-registered cryptoasset business; identity verification required). Officially available in the EEA, UK, US, Canada, Switzerland, Colombia, Mexico and Brazil; US residents are not eligible for credit lines. The blocked set is derived from this official availability allowlist.
Issuer’s markets: Officially available in the EEA, UK, US, Canada, Switzerland, Colombia, Mexico and Brazil (FAQ). US residents are not eligible for credit lines.
Where you can pay
✓ Worldwide — anywhere Visa/Mastercard is accepted (90M+ merchants)Official ledger.com/ledger-card: "Spend crypto at over 90 million merchants and online stores, with instant conversion to fiat at the time of purchase" and a crypto card lets you spend "at millions of merchants worldwide, both online and in-store".
Cashback details
Official: "1% cashback, no staking required." Provider: Baanx. EU: UAB Monavate, UK: Monavate Ltd, US: Cross River Bank.
Spend from
Crypto in the Ledger Wallet app / linked wallets (BTC, ETH, LTC, XRP, SOL — SOL receive-only; Layer-2 not supported); spend via crypto→fiat conversion at purchase. Stableloan collateral BTC/ETH (USDC/USDT/EURT). Fiat wallets cannot be linked; up to 5 wallets linked.
Verification procedure
Required — all users must pass KYC/Account Verification (Veriff identity check) before ordering; 18+; must reside in the selected country with an address there; £1/€1 bank-transfer verification; documentation may be required for transactions over 10,000 GBP/EUR.
AI subscriptions
Visa/Mastercard works for online subscriptions. US waitlist.
Good to know
CL Card is provided by Baanx (Baanx Group Ltd UK / Baanx US Corp US / Frozen Time UNIPESSOAL LDA EU; accounts by Monavate); accepted at 90M merchants. IMPORTANT custody nuance: once you transfer funds from your Ledger signer to the CL account, they are NO LONGER under self-custody — the Ledger hardware wallet is used for secure top-up only (no Ledger signer required, but recommended). Cryptodraft / Stableloan credit lines (from 0%); US ineligible for credit. Off-ramp withdrawal fee 3.49% (min £100/€100). ATM balance inquiries unsupported (show 0). Online + in-store + Apple Pay.
