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BBaanx Crypto Life Card logo

Baanx Crypto Life Card

Updated: Aug 8, 2026

The Baanx Crypto Life Card is a crypto asset debit card brand operated by Baanx for individual users, with consumers accessing the service through the Crypto Life platform. The card can connect to Web3 wallets including Ledger and convert assets such as BTC, ETH, SOL, USDC, and USDT into fiat currency at the time of purchase. Payments are completed through Mastercard or the relevant US Visa or Mastercard card program. The product offers virtual and physical cards for online purchases, in-store merchants, mobile wallets, and ATMs, with spending rewards in BTC, USDT, or BXX.
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Confirmed unavailable on App Store
Card network
Mastercard
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDT / USDC / BTC / ETH / SOL / XRP / LTC
Last updated
Aug 8, 2026

Official and company information

Issuer identity and company credentials

Baanx is a UK-based fintech infrastructure company specializing in providing modular non-custodial crypto debit card issuance, digital banking, and crypto asset collateralized lending (Cryptodraft) technology solutions for top global crypto wallets and Web3 platforms (such as Ledger, MetaMask, 1inch, etc.). Users can directly use their held cryptocurrencies via API in a non-custodial manner for instant payment and settlement at over 90 million Visa or Mastercard merchants.
Visit website Application page
Company / issuer
Baanx (Baanx Group / CL Card)
Legal name
Baanx.com Ltd (also related entity Baanx Group Ltd)
Registered region
United Kingdom (GB)
Headquarters
Cambridge, United Kingdom
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Baanx's website currently focuses mainly on providing card and OpenFi infrastructure to business partners and explicitly directs consumers to Crypto Life for related products. Crypto Life is a brand operated by Baanx. Its primary card is deeply integrated with Ledger but does not require users to own a Ledger device. After completing KYC, users can obtain a free virtual card and may apply for a physical card depending on their region. The global version mainly uses Monavate's Mastercard payment system. The US version has a separate card account with Cross River Bank and offers both Custodial Card and Non-Custodial Card funding structures. Under the former, crypto assets are held in custody by Coinme; under the latter, assets remain in the user's connected self-custodial wallet until they are spent.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Crypto Life Global Crypto Debit Card
US Custodied Crypto Life Card
US Non-Custodial Crypto Life Card
Card formVirtual + physical cardVirtual + physical cardVirtual + physical card
Fees
Monthly fee
Free
No mandatory monthly account fee
Free
No monthly fee for US accounts
Free
No monthly fee for US accounts
Card issuance fee
Free
Free issuance
Free
Free first card issuance
Free
Free first card issuance
ATM fee
2.5 EUR
Domestic ATM withdrawal €2.50; international €3 + 1.5%. ATM operators may charge additional fees.
2.5 USD + 1.5%
Domestic: 2.50 USD; overseas: 3 USD+1.5%
2.5 USD + 1.5%
Domestic ATM withdrawals: 2.50 USD; overseas ATM withdrawals: 3 USD+1.5%
Foreign exchange fee
0%
Converted at card network exchange rate
Free
No additional fee for international POS transactions
Free
No additional fee for international POS transactions
Top-up fee
Free
Bank transfer free; card top-up €2 or €0.60 + 2.49%. Depending on method and amount.
Free
No fee for ACH transfers
Free
No fee for ACH transfers
Failed transaction fee
Free
No fee for payment declines due to insufficient funds
——
Rewards
Cashback———
Crypto cashback
1%
Qualifying purchases earn rewards. 1% BTC/USDT; 2% BXX.
1%
Awarded under the rewards program
1%
Awarded under the rewards program
Staking rewards
0 EUR
Enhanced interest-free LTV benefits. Tiered by BXX staking amount.
——
Staking APR
5%
Annual interest 5%–25% for terms of 3 to 12 months.
——
Welcome bonus———
Referral bonus———
Limits
Daily spending limit—
15,000 USD
Daily POS spending limit
15,000 USD
Daily POS spending limit
Monthly spending limit———
ATM withdrawal limit—
2,000 USD
Up to five ATM transactions per day
2,000 USD
Up to five ATM transactions per day
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

34
NetherlandsNLSloveniaSISpainESFranceFRCanadaCASlovakiaSKArgentinaARUnited KingdomGBCzechiaCZBulgariaBGGermanyDELuxembourgLUBelgiumBEAustriaATGreeceGRCyprusCYLithuaniaLTLatviaLVIrelandIECroatiaHRPortugalPTPolandPLSwedenSEFinlandFIHungaryHUAustraliaAUItalyITUnited StatesUSRomaniaROEstoniaEEDenmarkDKSwitzerlandCHMaltaMTBrazilBR
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

161
NicaraguaNILiberiaLRNamibiaNABarbadosBBPapua New GuineaPGDominicaDMDominican RepublicDOSierra LeoneSLLibyaLYSouth SudanSSTaiwanTWUruguayUYSomaliaSOAntigua & BarbudaAGGambiaGMMauritiusMUMontenegroMEKiribatiKICôte d’IvoireCITürkiyeTRJapanJPMyanmar (Burma)MMMongoliaMNOmanOMNigerNELaosLAJordanJOVanuatuVUBosnia & HerzegovinaBANepalNPSri LankaLKFijiFJDjiboutiDJSurinameSRCongo - KinshasaCDNorwayNOSaudi ArabiaSALiechtensteinLIBangladeshBDVenezuelaVEMalaysiaMYSyriaSYMaliMLUgandaUGMozambiqueMZMalawiMWNigeriaNGMarshall IslandsMHCentral African RepublicCFIcelandISCambodiaKHTanzaniaTZMoldovaMDPanamaPAPalauPWBeninBJSan MarinoSMKyrgyzstanKGChileCLSingaporeSGGuinea-BissauGWNorth KoreaKPAlgeriaDZGuatemalaGTZimbabweZWVietnamVNCosta RicaCRTongaTOComorosKMKazakhstanKZQatarQABurundiBIBelarusBYArmeniaAMBotswanaBWBahrainBHIranIRBelizeBZTuvaluTVCubaCUUkraineUACameroonCMThailandTHParaguayPYTajikistanTJSouth KoreaKRTrinidad & TobagoTTSolomon IslandsSBSt. Kitts & NevisKNVatican CityVAEgyptEGGrenadaGDIsraelILBahamasBSGabonGAAfghanistanAFTogoTGBurkina FasoBFUzbekistanUZTimor-LesteTLSouth AfricaZALesothoLSKenyaKEIndiaINMoroccoMAMauritaniaMRIndonesiaIDZambiaZMBoliviaBOPeruPEChadTDNew ZealandNZTunisiaTNMaldivesMVIraqIQRwandaRWEritreaERMonacoMCMacaoMOYemenYELebanonLBSenegalSNBhutanBTEcuadorECTurkmenistanTMEl SalvadorSVHaitiHTAndorraADHondurasHNEthiopiaETGuyanaGYSeychellesSCSt. Vincent & GrenadinesVCPakistanPKNorth MacedoniaMKAlbaniaALJamaicaJMChinaCNAngolaAOGuineaGNHong KongHKSão Tomé & PríncipeSTGhanaGHAzerbaijanAZCape VerdeCVMexicoMXSerbiaRSPhilippinesPHUnited Arab EmiratesAESamoaWSKuwaitKWEquatorial GuineaGQBruneiBNEswatiniSZMadagascarMGSudanSDSt. LuciaLCColombiaCOGeorgiaGENauruNRRussiaRU
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：不可申请；支持地区合法取得的 Crypto Life Card 可在接受国际 Mastercard 的商户使用，绑定微信支付或支付宝仍需通过钱包身份及发卡方验证。

2、香港：不可申请；支持地区已持卡用户可在香港接受 Mastercard 的线上及线下商户使用，并可通过 Apple Pay 或 Google Pay 完成非接触支付。

3、澳门：不可申请；支持地区已发行卡可在澳门接受 Mastercard 的商户消费，跨币种交易按 Mastercard 汇率及相关卡片规则处理。

4、台湾：不可申请；支持地区已持卡用户可在台湾接受国际 Mastercard 的线上和线下商户使用，并可使用兼容的移动钱包支付。

Updated: Aug 8, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Government-issued ID / Driver's license

Review time / regional limits

Automated identity review is usually fast; abnormal information enters manual review.

KYC provider

Veriff

Updated

Aug 8, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 8, 2026

Wallet payments

Alipay

Supported

Aug 8, 2026

Wallet payments

Apple Pay

Supported

Jul 26, 2026

Cash services

ATM withdrawal

Supported

Jul 26, 2026

AI tools

ChatGPT

Supported

Jul 26, 2026

AI tools

Claude

Supported

Jul 26, 2026

Wallet payments

Google Pay

Supported

Jul 26, 2026

AI tools

Midjourney

Supported

Jul 26, 2026

In-person payments

Offline POS

Supported

Jul 26, 2026

Online shopping

Online shopping

Supported

Jul 26, 2026

Wallet payments

PayPal

Supported

Jul 26, 2026

Subscriptions

Subscription payment

Supported

Jul 26, 2026

Wallet payments

WeChat Pay

Supported

Aug 8, 2026

User reviews

Showing 6 approved reviews matched to this card

Newest first
Alaintrustpilot★ 1 / 5

Malfunction of the Ledger CL card from Baanx.

The purchase of a Ledger device using a Ledger CL card is being declined. Two attempts, two failures. It takes an hour before receiving an email from Ledger stating that the order has been "canceled due to an issue with the payment method used" and suggesting to "place a new order using an alternative payment method". That’s the height of it. On the bank side (Baanx), there is no information regarding the reason for the rejection. In three and a half years, this is not the first time. I am looking for an alternative to this unreliable card. I am going to test Solflare.
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Daniel pirestrustpilot★ 1 / 5

CL Card/Baanx lost my funds after KYC…

CL Card/Baanx lost my funds after KYC update and claims /neverhad them!
View original
A.Btrustpilot★ 1 / 5

Baanx runs a bug bounty program on…

Baanx runs a bug bounty program on Immunefi, which I participated in as a security researcher. I submitted a vulnerability that was confirmed and fixed by the team, but the agreed bounty was never paid. More than 8 months have passed with no resolution or payment. Communication has been minimal and unproductive despite repeated follow-ups. This experience shows a lack of accountability and respect for researchers’ work. I strongly advise caution when engaging with Baanx or participating in their bug bounty program.
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Reviewertrustpilot★ 5 / 5

Baanx cards are the best

Exciting solutions for those who use Ledger. The whole ecosystem of Ledger supports this card. I am delighted.
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Dmitry Filimonovtrustpilot★ 1 / 5

Scam

First limited access my cl-card. Did not provide any explanation why. Spent 60 days "investigating" and did not ask for any documentation from my side to prove my income for example, or ask about the transaction they considered suspicious (while my transactions were netflix, uber, etc...). After blocked my account and kep all my crypto assets... Trying to get them back with FOS help.
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Giancarlo Silveriotrustpilot★ 1 / 5

Mein Geld wird willkürlich zurück…

Mein Geld wird willkürlich zurück gehalten. Auf Anfragen hin werde ich ständig auf die Richtlinien hingewiesen ohne eine klare Antwort. Finger weg! Dieses Unternehmen ist ein Scam!
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Risk factors

Updated: Aug 8, 2026

No risk factors are available