Visa / Mastercard
Crypto Life Card
3.4/10Overall Score
Card Mode
--
Card Type
Debit
Mobile Payments
Google PayNot supportedApple PayNot supported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
02Spending & Conversion
- Top-ups Fee
- 0%
- FX Fee
- 1.75%
- Crypto / Fiat Conversion
- 1.75%
03Rewards
- Cashback
- 1%
Card Guide
Overview
The Crypto Life (CL) Card is run by London-based Baanx Group, which holds a UK e-money licence and issues into the EEA through UAB Monavate in Lithuania. The card programmes behind Ledger and MetaMask run on the same white-label infrastructure. It is a Visa debit card: users move funds in from a self-custodial wallet and spend, with the loaded float held by Baanx while the main wallet stays untouched.
| Item | Details |
|---|---|
| Card forms: | virtual and physical, with Apple Pay and Google Pay. |
| Tiers: | a single tier with no annual or monthly fee. |
| Funding: | ten assets including BTC, ETH, SOL, USDC and USDT, moved in from a Ledger or other wallet. |
| Use cases: | global Visa acceptance, online subscriptions and ATM withdrawals. |
Benefits
| Item | Details |
|---|---|
| Cashback: | 1% on all eligible purchases, paid in BTC or USDT, or USDC in the United States. |
| No conditions: | no staking, no tiers and no minimum spend. |
| Self-custody link: | main holdings stay on the hardware wallet, and only the loaded amount enters the custodial account. |
| Multi-currency: | the card holds several fiat balances and settles cross-border spending at the network rate. |
| Statement controls: | real-time transaction alerts, in-app card freeze and visibility of the settlement rate. |
Fees
| Item | Details |
|---|---|
| Issuance: | free for the virtual card; the physical card carries a regional production and shipping fee. |
| Annual and monthly fees: | zero. |
| Crypto conversion: | about 2%, taken when the card converts at the point of sale. |
| FX fee: | 1.75% over the European Central Bank rate. |
| ATM: | EUR 2.50 in the UK and EUR 3.00 plus 1.5% outside it; USD 2.50 domestically in the US and USD 3.00 plus 2% internationally. |
| Refunds and chargebacks: | no extra charge. |
Availability
| Item | Details |
|---|---|
| Supported: | the EEA, the UK, the United States including all 50 states, DC and Puerto Rico, Canada, Switzerland, Colombia, Mexico and Brazil, across an official list of 37 countries and territories. |
| Not supported: | North Korea, Iran, Syria and Cuba. |
| Onboarding: | 18 or over with document and selfie checks; EEA accounts are opened by UAB Monavate and US accounts by Cross River Bank. |
| Custody: | the loaded float is held by Baanx, while the main wallet balance is unaffected. |
| Regional differences: | cashback asset and ATM pricing vary with the issuing market. |