Curve Pay vs CL Card (Ledger)
E-money / FinTech
Crypto native
Verdict
- Curve Pay and CL Card (Ledger) have the same overall score (6.0/10).
- CL Card (Ledger) is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Curve Pay is a good fit for
- No specific audience can be derived from the published data yet.
CL Card (Ledger) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Cashback & rewards
Score by criterion
| Criterion | Curve Pay | CL Card (Ledger) |
|---|---|---|
| Fees | 100 | – |
| Cashback & rewards | 3 | 24 |
| Availability | 100 | 100 |
| FX & international | 0 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | – | 75 |
| Limits & ATM | 60 | – |
| Transparency | 86 | 86 |
| Best for Cashback | 4.1 | 4.6 |
| Best for Travel | 4.6 | n/a |
| Best for DeFi Users | n/a | 6.0 |
| Best for High Spenders | 3.5 | 4.5 |
| Best for Low Fees | 6.7 | n/a |
| Best for Beginners | 7.8 | 7.0 |
| Best Crypto Credit Card | n/a | 6.5 |
| Best E-Money Card | 6.4 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Securely fund your debit card via Ledger Wallet™.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): Fees charged on top of the Mastercard rate.
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Visa*Show source
Network: Visa
Stated for the US card only
Source states (paraphrased): The VISA debit card offered in the US is in partnership with Cross River Bank, Member FDIC
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Stated for the US card only
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: https://www.curve.com/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
CustodialShow source
Custody model: Custodial
Source states (paraphrased): Once you transfer funds from your wallet to the card, they are no longer under self-custody.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Card issuer / program manager
Curve UK Limited (UK); Curve Europe UAB (EEA)Show source
Card issuer / program manager: Curve UK Limited (UK); Curve Europe UAB (EEA)
Source states (paraphrased): The Curve Card and the e-money related to cards issued in the EEA is issued by Curve Europe UAB
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com LtdShow source
Card issuer / program manager: Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com Ltd
Source states (paraphrased): The Crypto Life Platform is provided by Frozen Time Unipessoal LDA
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Tiers / plans
Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+Show source
Tiers / plans: Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+
Source states (paraphrased): Plans Curve Pay Curve Pay X Curve Pay Pro Curve Pay Pro+
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Curve Pay (free plan)
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Curve Pay (free plan)
Virtual card fee
Free*Show source
Virtual card fee: Free
Currency not stated on the page
Source states (paraphrased): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Currency not stated on the page
FX fee
2.99%*Show source
FX fee: 2.99%
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
ATM fee
2% (min. £2)*Show source
ATM fee: 2% (min. £2)
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Other fees & markups
+1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowanceShow source
Other fees & markups: +1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowance
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balanceShow source
Other fees & markups: 3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balance
Source states (paraphrased): The fee is 3.49% of the total amount you request to withdraw.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
Free plan
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan
1%*Show source
Base cashback: 1%
Calculated monthly on all card spend
Source states (paraphrased): 1% in BTC or USDC (US) / BTC or USDT (elsewhere).
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Calculated monthly on all card spend
Max cashback
1%*Show source
Max cashback: 1%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
2%*Show source
Max cashback: 2%
If cashback is paid in BXX (Baanx token)
Source states (paraphrased): or a 2% reward if you choose BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
If cashback is paid in BXX (Baanx token)
Cashback paid in
Curve CashShow source
Cashback paid in: Curve Cash
Source states (paraphrased): Cashback is stored on your Curve Cash card and can be used for future purchases.
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
BTC, USDT or BXXShow source
Cashback paid in: BTC, USDT or BXX
Source states (paraphrased): currently available in BTC, USDT, and BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Cashback type
FiatShow source
Cashback type: Fiat
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
CryptoShow source
Cashback type: Crypto
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Cashback conditions
1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)Show source
Cashback conditions: 1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)
Source states (paraphrased): You need to be on any premium plan to benefit from this cashback (X, Pro or Pro+).
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each monthShow source
Cashback conditions: Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each month
Source states (paraphrased): At the end of each month, you will receive your reward for the total amount of card transactions.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): No staking required.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
Transactions funded by CryptodraftShow source
Reward exclusions: Transactions funded by Cryptodraft
Source states (paraphrased): excluding transactions funded by Cryptodraft
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Optional; rates depend on country of residence
Source states (paraphrased): You can also choose to use your crypto as collateral. Access smart credit lines with rates starting at 0% depending on your country of residence
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional; rates depend on country of residence
Credit type
Crypto-backed credit*Show source
Credit type: Crypto-backed credit
Optional credit line
Source states (paraphrased): You can also choose to use your crypto as collateral.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional credit line
Collateral assets
BTC · ETH*Show source
Collateral assets: BTC · ETH
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Source states (paraphrased): BTC or ETH.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Max loan-to-value
60%*Show source
Max loan-to-value: 60%
Cryptodraft
Source states (paraphrased): spend up to 60% of your collateral value as credit spent on your card
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft
Interest notes
Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXXShow source
Interest notes: Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXX
Source states (paraphrased): The first 10% you spend is interest-free, while the remaining 50% is subject to a 1% monthly percentage rate (MPR).
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Stableloan when LTV significantly exceeds agreed LTV
Source states (paraphrased): we may liquidate part or all of your collateral
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Stableloan when LTV significantly exceeds agreed LTV
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Page only says crypto can be used as collateral; no credit terms given
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Page only says crypto can be used as collateral; no credit terms given
Availability
Available in
United Kingdom, EEAShow source
Available in: United Kingdom, EEA
Source states (paraphrased): Regulated across the UK and EEA
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil*Show source
Available in: EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil
Per Ledger shop FAQ; other Ledger pages list fewer regions
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per Ledger shop FAQ; other Ledger pages list fewer regions
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX
Source states (paraphrased): You can connect Curve Pay to Apple Pay and Google Pay.
Source: One tap. Every card. (Curve Pay wallet)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX
YesShow source
Apple Pay: Yes
Source states (paraphrased): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
Yes*Show source
Google Pay: Yes
Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX
Source states (paraphrased): You can connect Curve Pay to Apple Pay and Google Pay.
Source: One tap. Every card. (Curve Pay wallet)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX
YesShow source
Google Pay: Yes
Source states (paraphrased): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): we’ll send you a new card in the post right away!
Source: I need a new Curve card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Physical card: Yes
Source states (paraphrased): To order a physical card, you may be required to pay a delivery fee.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Withdraw local currencies at ATMs worldwide
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Airport lounge access
No*Show source
Airport lounge access: No
Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it
Source states (paraphrased): Airport lounge access
Source: https://www.curve.com/plans
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it
Spendable assets
BTC · ETH · SOL · Stablecoins*Show source
Spendable assets: BTC · ETH · SOL · Stablecoins
Top-up assets ('and more'); converted to fiat at purchase
Source states (paraphrased): Fund your card quickly and easily with BTC, ETH, SOL, stablecoins and more
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Top-up assets ('and more'); converted to fiat at purchase
Blockchains
Bitcoin · Litecoin · XRP · Ethereum · Solana*Show source
Blockchains: Bitcoin · Litecoin · XRP · Ethereum · Solana
Solana only for receiving SOL; Layer 2 networks not supported
Source states (paraphrased): the main blockchains of Bitcoin, Litecoin, XRP, Ethereum and Solana* are supported for receiving and sending crypto funds
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Solana only for receiving SOL; Layer 2 networks not supported
Security & custody
Regulation / licences
Curve UK Limited: FCA-authorised e-money issuer (FRN 900926) · Curve Europe UAB: electronic money institution licence No. 73, Bank of LithuaniaShow source
Regulation / licences: Curve UK Limited: FCA-authorised e-money issuer (FRN 900926) · Curve Europe UAB: electronic money institution licence No. 73, Bank of Lithuania
Source states (paraphrased): authorised in Lithuania by the Bank of Lithuania (electronic money institution license No. 73 issued on 22 of October, 2020)
Source: One tap. Every card. (Curve Pay wallet)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset servicesShow source
Regulation / licences: Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset services
Source states (paraphrased): registered by Banco de Portugal to provide Crypto Asset Services
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Deposit protection
No*Show source
Deposit protection: No
Stated for UK customers and for funds on the Curve Cash card
Source states (paraphrased): FSCS protection does not apply to the funds held on your Curve Cash card
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Stated for UK customers and for funds on the Curve Cash card
Annual cost at 1,500 EUR/month
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−29 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
CL Card (Ledger)
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers