Ledger CL Card [EU]
- Great customer service
- Generous daily spend limit
- Solid well-known company
- Auto-converts your crypto, no top-ups
- Supports only 8 coins
- No free ATM withdrawals
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR£ GBP |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.25% |
| Highest Cashback | up to 2% |
| Entry-Level Cashback | 2% |
| Entry-Level Cashback Monthly Cap | 4,500 EUR |
| Daily Spending Limit | 15,000 EUR |
| Daily ATM Withdrawal Limit | 2,000 EUR |
| Foreign Exchange Fee | 1.5% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited Kingdom |
| Supported Cryptocurrencies | BTCBXXETHEURTLTCUSDCUSDTXRP |
Your Ledger CL Card: Understated in plain black, yet incredibly useful in your daily life.
Ledger CL Card Benefits and Rewards – for Europe
Ledger CL card offers up to 2% cashback on every purchase you make with the card. You can choose which cryptocurrency you prefer to receive your rewards in, and this will determine your reward percentage.
Here are your choices:
| Rewards Cryptocurrency | Cashback |
| BTC (Bitcoin) | 1% |
| USDT (Tether) | 1% |
| BXX (Baanx) | 2% |
The rewards are paid out at the end of each month.
Reality CheckAlthough other cards may advertise higher cashback rates, entry-level users with 1,000 EUR in assets typically receive much lower cashback rates from those cards. When compared at the entry-level tier, Ledger CL Card's 2% cashback offers more value:
| Ledger CL Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 4,500 EUR | 20 EUR |
Ledger CL Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Ledger CL Card is a prepaid card, linked to the crypto coin balance on the Ledger platform. It should be noted that Ledger doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It's Offered in Physical Form, Without an Instant Virtual Equivalent
Ledger CL Card is available solely in physical form, unlike 40% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.
Wondering about the pros and cons of physical-only format? Here are some highlights:
Physical Card | No Virtual Card |
|---|---|
| ATM Withdrawals | No Second Card Number |
| Required for Car Rentals, Hotels | No Instantly Available Card |
| Useful When Phone Dies, or no Wifi | Cannot Separate Online Purchases for Safety |
| Backup Payment Method | Cannot Have a 2nd Card with Lower Spend Limits |
Even though it's a physical-only card, Ledger CL Card does have Apple Pay support, allowing you to pay with your phone instead of having to take out your wallet everytime.
Crypto-to-EUR Conversion Cost with Ledger CL Card
Ledger CL Card Converts Your Crypto on Demand
Ledger CL Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 2% |
| Sell Spread | ~0.25% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2.25% |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Ledger CL Card will cost you about the same (~2.25%).
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Ledger CL Card Compare to Other Crypto Cards?
Ledger CL Card ranks #2 out of 48 amongst all the crypto cards we have reviewed so far. This means it's in the Top 10%.
We compared Ledger CL Card with 38 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Ledger CL Card against its 38 competitors:
- Offers Apple Pay (while 40% of competing crypto cards don't).
- Offers up to 4,500 EUR per month in cashback for entry-level users (exceeding the competitors' 20 EUR average).
- Offers a generous 15,000 EUR daily spend limit (other cards offer 9,000 EUR limit on average).
- Provides a substantial ATM widthdrawal allowance of 2,000 EUR per day (average amongst other cards is only 500 EUR).
- Solid company with a 9/10 company strength score (the average for all competing cards is 6/10).
- Their customer service is very good with a 8.8/10 score (others score only 7.5/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- Their overall fee structure is incredibly budget-friendly, with a score of 7.6/10 (average fee structure rating amongst other cards is 6/10).
Weakest Features Against Competitors
Compared to its 38 competitors, here are the shortcomings of Ledger CL Card:
- Offers up to 2% cashback (while other cards give an average of 4%).
- Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
Ledger CL Card [EU] vs. Nexo Card vs. Revolut Card
Ledger CL Card
|
Nexo Card
|
Revolut Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~2.25% | ~0.75% | ~2.99% |
| Highest Cashback | up to 2% | up to 2% | up to 1% |
| Entry-Level Cashback | 2% | 0.5% | 0% |
| Daily Spending Limit | 15,000 EUR | 10,000 EUR | Unlimited |
| Daily ATM Limit | 2,000 EUR | 2,000 EUR | 3,000 EUR |
| Foreign Exchange Fee | 1.5% | 0.5% | 1% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 8 | 63 | 120 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Company Strength | Strong | Strong | Strong |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Revolut Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Ledger CL Card and Nexo Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Both Ledger CL Card and Nexo Card offer solid cashback rewards of up to 2%. The cashback rewards for Revolut Card are not as high.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Ledger CL Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Ledger CL Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Ledger CL Card will cost you a total of ~10.5 EUR (5.3% of 200 EUR), resulting in a final cash withdrawal of 189.5 EUR in hand.
Plus, if you'd like to check your balance via the ATM, it will cost you an additional 0.35 EUR.
Doesn't Ledger CL Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Ledger CL Card, here's what it will look like:
For an international withdrawal using your Ledger CL Card with an initial 200 EUR in ETH, you'll incur fees totaling ~19.3 EUR (9.7% of 200 EUR), leaving you with 176.2 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Ledger CL Card is more expensive for both local and international ATM withdrawals:
| Cost with Ledger CL Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~10.6 EUR (5.3% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~19.4 EUR (9.7% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested Ledger's Customer Support
We asked Ledger's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Customer service for Ledger CL Card is handled by Baanx, the card issuing company, which is a distinct customer service channel from Ledger's main support. Support is offered via the following:
| support@cl-cards.com |
Location: Baanx customer service reps are located in 
United Kingdom and 
Ukraine.¹
| Support Channel | Our Interaction | Score |
Email (replied in 5 h 49 min) | Replied quickly, with a reassuring response to a question about 3DS security. | High Competence Highly Personalized Adequate English, Professional Tone 9.5/10 |
Email (replied in 2 h 32 min) | Didn't answer what was asked for. Gave a copy pasted answer with general info. | Low Competence Somewhat Personalized Adequate English, Professional Tone 4.5/10 |
Email (replied in 7 h 52 min) | Gracefully handled the 'angry customer' test with a lost deposit. Reassuring, helpful response. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 8 h 41 min) | Knowledgeable and helpful responses to a question about transaction fees, replied to follow up questions. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 6 h 2 min) | Good detailed answer to a question about cashback. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
To summarize,
Competence and Problem-Solving: More often than not, Ledger's customer service responses are highly competent, proving they're a company that takes your questions seriously.
Customer Love: Ledger's support responses are highly personalized, which makes interactions with them very pleasant. They will address you by name, and carefully consider your unique situation to provide tailored answers that meet your specific needs.
Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 3 hours to as slow as 9 hours.
Overall Customer Service Rating: 8.8/10
This excellent score places Ledger's Customer Service well above the crypto card industry average of 7.5/10.
Is Ledger CL Card Available for Residents of United States?
No, Ledger CL Card is not available for residents of United States.
Ledger CL Card [EU] supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Right. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
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