Ledger CL Card
Baanx / UAB Monavate (Lietuva EMI) · VISA debit
Issuer is MiCA-licensedEMI LT★ 3.8 / 5
Ledger CL Card (Crypto Life) is a Visa debit card for Ledger users; program by Baanx, EEA-issued by UAB Monavate (Bank of Lithuania EMI). Top up from your Ledger device; crypto converts to fiat at point of sale. 1% BTC/USDT cashback (up to 2% in BXX). Available in LV/LT/EE + FI/SE/NO/DK.
Visit Baanx / UAB Monavate (Lietuva EMI) ↗
NorriWire does not maintain an affiliate agreement with this issuer.
Cashback
1.0%
BTC
Monthly fee
Free
FX markup
1.75%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 1.75% |
| Free ATM per month | — |
| ATM fee thereafter | 1.50% |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 10+ crypto balances
Supported fiat currencies: EUR
Pros
- ✓Covers all Baltics and Nordics
- ✓EEA issuer in Lithuania (UAB Monavate) — euro-native
- ✓Top up from a Ledger device (main funds stay self-custody)
- ✓Free virtual + physical card, Apple/Google Pay
Cons
- ✗Crypto-funded spend ~2% + FX can erase the 1% cashback
- ✗Spend wallet is custodial, not fully self-custody
- ✗Cashback in BTC/USDT/BXX, not EUR
- ✗Issuer Monavate got a Dec-2025 Bank of Lithuania restriction (other partners)