CL Card (Ledger) vs N26

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Active

Product status: Active

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Card type

Debit card

Card type: Debit card

Source states (paraphrased): Securely fund your debit card via Ledger Wallet™.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Debit card

Card type: Debit card

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Network

Visa*

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

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

Mastercard

Network: Mastercard

Source states (paraphrased): qualifying transactions made with your N26 Mastercard

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Custody model

Custodial

Custody model: Custodial

Source states (paraphrased): Once you transfer funds from your wallet to the card, they are no longer under self-custody.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Custodial*

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

The provider holds the funds

Card issuer / program manager

Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com Ltd

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

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

No data yet

Tiers / plans

No data yet

Standard · Smart · Go · Metal

Tiers / plans: Standard · Smart · Go · Metal

Source states (paraphrased): N26 Smart and N26 Go customers can choose from one of five card colors.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Fees

Monthly fee

No data yet

Free*

Monthly fee: Free

Standard account

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Standard account

Physical card fee

No data yet

€10*

Physical card fee: €10

Standard plan; included in Smart, Go and Metal

Source states (paraphrased): Physical card €10

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Standard plan; included in Smart, Go and Metal

Virtual card fee

Free*

Virtual card fee: Free

Currency not stated on the page

Source states (paraphrased): Free virtual card

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

Free*

Virtual card fee: Free

First virtual card free on Standard

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

First virtual card free on Standard

FX fee

No data yet

0%*

FX fee: 0%

Page lists worldwide card payments as free on all plans; exchange rate not stated on this page

Source states (paraphrased): Worldwide card payments Free

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Page lists worldwide card payments as free on all plans; exchange rate not stated on this page

Crypto conversion fee

No data yet

1.5%*

Crypto conversion fee: 1.5%

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

Source states (paraphrased): Trades are subject to a transaction fee of 1.5% for Bitcoin and 2.5% for all other coins

Source: N26 Crypto: conveniently trade over 400 cryptocurrencies

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

ATM fee

No data yet

1.7%*

ATM fee: 1.7%

Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page

Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page

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

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.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)

Other fees & markups: N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)

Source states (paraphrased): N26 Standard account holders can get a debit card paired with their N26 account against a one-off fee covering the delivery.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Cashback & rewards

Base cashback

1%*

Base cashback: 1%

Calculated monthly on all card spend

Source states (paraphrased): 1% in BTC or USDC (US) / BTC or USDT (elsewhere).

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

0%*

Base cashback: 0%

Standard: no cashback; Go and Metal get 1% travel cashback

Source states (paraphrased): Reise-Cashback 1 | 1 % | 1 % (only Go and Metal columns)

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Standard: no cashback; Go and Metal get 1% travel cashback

Max cashback

2%*

Max cashback: 2%

If cashback is paid in BXX (Baanx token)

Source states (paraphrased): or a 2% reward if you choose BXX

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)

1%*

Max cashback: 1%

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

Source states (paraphrased): Alle Smart Features und Gratisabhebungen außerhalb der Eurozone 1 % Cashback auf Reisen

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

Cashback paid in

BTC, USDT or BXX

Cashback paid in: BTC, USDT or BXX

Source states (paraphrased): currently available in BTC, USDT, and BXX

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

No data yet

Cashback type

Crypto

Cashback type: Crypto

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

No data yet

Interest on balance

No data yet

0.3%*

Interest on balance: 0.3%

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

Source states (paraphrased): Tagesgeldzinsen 2 | 0,30 % p.a. | 0,30 % p.a. | 0,50 % p.a. | 1,5 % p.a.

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

Cashback conditions

Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each month

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.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

No data yet

Staking / holding required for top rewards

Staking / holding required for top rewards: No

Source states (paraphrased): No staking required.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Reward exclusions

Transactions funded by Cryptodraft

Reward exclusions: Transactions funded by Cryptodraft

Source states (paraphrased): excluding transactions funded by Cryptodraft

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

No data yet

Credit & financing

Credit line

Yes*

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

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 line: No

Source states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Credit type

Crypto-backed credit*

Credit type: Crypto-backed credit

Optional credit line

Source states (paraphrased): You can also choose to use your crypto as collateral.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Optional credit line

None

Credit type: None

Source states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Collateral assets

BTC · ETH*

Collateral assets: BTC · ETH

Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)

Source states (paraphrased): BTC or ETH.

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)

No data yet

Max loan-to-value

60%*

Max loan-to-value: 60%

Cryptodraft

Source states (paraphrased): spend up to 60% of your collateral value as credit spent on your card

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Cryptodraft

No data yet

Interest notes

Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXX

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).

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

No data yet

Liquidation risk

Yes*

Liquidation risk: Yes

Stableloan when LTV significantly exceeds agreed LTV

Source states (paraphrased): we may liquidate part or all of your collateral

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

No data yet

Spend own balance directly

Yes

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%

No data yet

Spend by borrowing against collateral

Yes*

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

No data yet

Availability

Available in

EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil*

Available in: EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil

Per Ledger shop FAQ; other Ledger pages list fewer regions

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

Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland*

Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

Source states (paraphrased): We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM)

Source: Availability across Countries

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Own IBAN / bank details

No data yet

Yes

Own IBAN / bank details: Yes

Source states (paraphrased): Give your N26 account IBAN to your employer

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Features

Apple Pay

Yes

Apple Pay: Yes

Source states (paraphrased): Use your card with Apple Pay and Google Pay.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Yes

Apple Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Google Pay

Yes

Google Pay: Yes

Source states (paraphrased): Use your card with Apple Pay and Google Pay.

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Yes

Google Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Physical card

Yes

Physical card: Yes

Source states (paraphrased): To order a physical card, you may be required to pay a delivery fee.

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Yes

Physical card: Yes

Source states (paraphrased): If you ordered a physical debit card, this will arrive via post.

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Virtual card

Yes

Virtual card: Yes

Source states (paraphrased): Free virtual card

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Yes

Virtual card: Yes

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

ATM withdrawals

Yes

ATM withdrawals: Yes

Source states (paraphrased): Withdraw local currencies at ATMs worldwide

Official product page (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Yes

ATM withdrawals: Yes

Source states (paraphrased): 2 free ATM withdrawals in euros

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Airport lounge access

No data yet

No*

Airport lounge access: No

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

Source states (paraphrased): Zugang zu Flughafenlounges 6 | 33 € pro Besuch | 33 € pro Besuch | Erster Besuch pro Jahr 15 €, danach 30 €

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

Travel / rental car insurance

No data yet

No*

Travel / rental car insurance: No

Only Go and Metal plans (not Standard)

Source states (paraphrased): Up to €2,000

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Only Go and Metal plans (not Standard)

Purchase protection

No data yet

No*

Purchase protection: No

Only Metal plan

Source states (paraphrased): Purchase protection8 Up to €2,500 per claim

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Only Metal plan

Spendable assets

BTC · ETH · SOL · Stablecoins*

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

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

No data yet

Blockchains

Bitcoin · Litecoin · XRP · Ethereum · Solana*

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

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

No data yet

Security & custody

Regulation / licences

Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset services

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