- Custody
- Hybrid custody
- Network
- Mastercard
- Card types
- Virtual + physical
- Card product
- Debit
- Wallets
- Apple Pay, Google Pay
Shipping countries are not published.
Partly verified · 10 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
CL Card is a crypto card that comes as a virtual and a physical card. It is a debit card. It is issued by Baanx. Payments run on the Mastercard network.
Funding and spending
Your crypto stays in your wallet until you load it into a card balance held by the issuer. It is funded with crypto. You can top it up by crypto. You can reload it after the first load. It can be funded with 6 assets: USDC, USDT, BTC, ETH, SOL and XRP.
Fees
It has no annual fee. It has no monthly fee. The crypto conversion spread is 1.75%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the card issuance fee, foreign currency fee, top-up fee and ATM withdrawal fee yet.
Limits and rewards
You can withdraw cash at ATMs. It pays 1% back on card spend. It works with Apple Pay and Google Pay.
Signing up
Signing up needs full KYC: a government ID document, and sometimes a selfie. You can apply in 37 countries. That includes 32 in Europe, 3 in North America and 2 in South America. You cannot apply in India. Where the issuer states who can apply, you need to be a resident of the country.
How we check
We last checked this card on 15 Oct 2026, against 8 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Pros and cons of CL Card
Pros
- No annual or monthly fee
- 1% back on spending
- You can apply in 37 countries
- Top up with 6 different crypto assets
- Works with Apple Pay and Google Pay
- Comes as a virtual and a physical card
Cons
- Conversion fee: 1.75%
Who it suits
- People who want cashback on everyday spending
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
Limits
Rewards
Top-up assets and networks
- BTCNetwork not statedChecked 06 Oct 2026agingsource
- ETHNetwork not statedChecked 06 Oct 2026agingsource
- SOLNetwork not statedChecked 06 Oct 2026agingsource
- USDCNetwork not statedChecked 06 Oct 2026agingsource
- USDTNetwork not statedChecked 06 Oct 2026agingsource
- XRPNetwork not statedChecked 06 Oct 2026agingsource
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
No country matches your search.
No information for 5 countries yet
Frequently asked questions about CL Card
Who issues CL Card?
CL Card is issued by Baanx. Payments run on the Mastercard network.
Is CL Card a virtual or a physical card?
CL Card comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with CL Card?
Yes. You can withdraw cash at ATMs.
Does CL Card require KYC?
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How do I top up CL Card?
You can top it up by crypto.
Does CL Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with CL Card?
It can be funded with 6 assets: USDC, USDT, BTC, ETH, SOL and XRP.
Does CL Card have an annual fee?
No. CL Card has no annual fee. The conditions are listed in the fees table on this page.
Does CL Card pay cashback?
Yes. It pays 1% back on card spend.
In which countries can I apply for CL Card?
You can apply in 37 countries. That includes 32 in Europe, 3 in North America and 2 in South America. You cannot apply in India.
Sources
- Fees pageFee Information Document CL Card Monavatepublic.withcl.comChecked 15 Oct 2026
- Fees pagecdn.prod.website-files.com/679758c14272c334b6975a26/690b4061f587eae21ff816dc_CL-Platform-Fees.pdfChecked 15 Oct 2026
- Fees pagecdn.prod.website-files.com/679758c14272c334b6975a26/6903756df5f739deb1df6836_7510a38300dc657e672298132c2e4cb2_US%20Customer%20Fees.pdfChecked 15 Oct 2026
- Supported countriesCl card crypto cardshop.ledger.comChecked 15 Oct 2026
- Cardholder termsMonavate Issuer Terms 2023 Novpublic.withcl.com
- Other official pageLedgerwithcl.comChecked 15 Oct 2026
- Other official pagesupport.ledger.com/article/5283612250653-zdChecked 07 Oct 2026
- Other official pagewww.withcl.com/faqChecked 15 Oct 2026
- Other official pageCardwithcl.com
- Other official pageHow and where to use your crypto life cardwithcl.comChecked 15 Oct 2026
- Fees pageCL Platform Feespublic.withcl.com