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Ledger / CL / Card review
Crypto payment card
CL Card compatible with Ledger
A funded Crypto Life card account integrated with Ledger, supporting direct spending and optional collateral borrowing.
Before you apply
Selected tier / planStandardCL Card compatible with Ledger
Select where you live, not your travel destination.
Choose your residence first
Important to check
- A listed country does not guarantee personal approval.
- Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Documents & application →Features & benefits
Move a spending budget from Ledger into a Crypto Life account.
- Rewards · first band
- 1% BTC or stablecoin rewards
- Spending preferences
- Spend funded balance
- Custody model
- Service account / loaded balance
Read the conditions behind the figures · Fees & benefit conditions ↓
A good fit if
- For Ledger users wanting card purchases while keeping their remaining assets in their hardware wallet.
The tradeoff
- Funds transferred to Crypto Life leave Ledger self-custody; published crypto card-spend fees are 2%, with other charges separate.
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
How the card works
- A funded Crypto Life card account integrated with Ledger, supporting direct spending and optional collateral borrowing.
Fees & benefit conditions
- Card issuance fee
- Virtual free; physical subject to $100 top-up or shipping terms
- Maintenance / subscription
- No subscription fee
- Foreign-currency fee
- 0% in UAB Monavate schedule; check regional terms
Read the conditions behind the figures
- The published 2% crypto card-spend charge is distinct from FX.
- Separate the $100 top-up free-card offer from shipping costs; funds moved to CL leave Ledger self-custody.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
Items to verify and where to check · 2
- Foreign-currency feeCheck regional / product termsThe 2023 UAB Monavate document linked by the official Legal page explicitly lists 0% foreign-currency card payments, but its applicability across current UK, US and other regional programmes is not established.
- Card issuance feeCheck in the app / applicationThe official product page offers a free card with a $100 crypto top-up or payment of shipping instead. Public materials do not establish one current physical delivery amount across regions; check the order quote.
Fields reviewed · 2026-09-09
Documents & application
Documents to prepare
Check accepted ID and any address evidence in the application for your residence and program.
Steps on the official site or app
- Create and verify a Crypto Life account through Ledger Live or the official CL app.
- Check the coin and network under Accounts → Add Funds.
- Transfer funds from Ledger or an external address to CL.
- Check the linked balance and pay with the activated card.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Full details & support
Full details
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- BTC · ETH · SOL · USDC · USDT · LTC · XRP · EURT
- Supported networks
- Bitcoin · Ethereum · Litecoin · XRP Ledger · Solana
- Balance / billing currency
- Official confirmation needed
- Conversion timing
- Depends on region or payment mode
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Listed · check region and plan
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Crypto Life platform / Frozen Time Unipessoal LDA and Baanx, depending on region
Transfers to CL leave Ledger hardware-wallet self-custody. Direct spending converts crypto at purchase; Cryptodraft and Stableloan have separate borrowing terms.
An alternative to compare
Choose MetaMask for supported wallet tokens kept under your control until purchase, where signups are open.
Check regional termsOfficial documentation & sources
Official sources
Ledger card ↗
CL custody ↗
Fees ↗
CL Ledger product ↗
Crypto Life Legal ↗
UAB Monavate CL Card Fee Information Document (03/11/2023) ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026