CL Card (Ledger) vs Trade Republic Card
Crypto native
Crypto enabled
Verdict
- Trade Republic Card scores higher overall (6.8 vs 6.0 out of 10).
- CL Card (Ledger) is clearly stronger on: Availability, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CL Card (Ledger) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability, Credit & financing
Trade Republic Card is a good fit for
- Frequent travellers
Score by criterion
| Criterion | CL Card (Ledger) | Trade Republic Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 24 | 24 |
| Availability | 100 | 57 |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 75 | 30 |
| Limits & ATM | – | 90 |
| Transparency | 86 | 79 |
| Best for Cashback | 4.6 | 5.3 |
| Best for Travel | n/a | 8.2 |
| Best for DeFi Users | 6.0 | n/a |
| Best for High Spenders | 4.5 | 5.9 |
| Best for Low Fees | n/a | 9.5 |
| Best for Beginners | 7.0 | 7.2 |
| Best Crypto Credit Card | 6.5 | n/a |
| Best E-Money Card | n/a | 8.9 |
Product
Product status
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%
ActiveShow source
Product status: Active
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Debit cardShow source
Card type: Debit card
Source states (paraphrased): The Trade Republic card is a Visa Debit Card.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
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
VisaShow source
Network: Visa
Source states (paraphrased): The Trade Republic card is a Visa Debit Card.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
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%
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: The Trade Republic Card
Official product page (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 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%
Trade Republic Bank GmbHShow source
Card issuer / program manager: Trade Republic Bank GmbH
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Virtual · Classic · MirrorShow source
Tiers / plans: Virtual · Classic · Mirror
Source states (paraphrased): You have the choice between a virtual card (free), Classic Card (5 € delivery fee) and Mirror Card (50 € delivery fee).
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): There is no monthly subscription fee.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card fee
€5*Show source
Physical card fee: €5
Classic card, one-time delivery fee (again on renewal or replacement); Mirror card 50 €
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Classic card, one-time delivery fee (again on renewal or replacement); Mirror card 50 €
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
FreeShow source
Virtual card fee: Free
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
0%*Show source
FX fee: 0%
Visa exchange rate without a Trade Republic currency exchange fee
Source states (paraphrased): We do not add any currency exchange fees.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Visa exchange rate without a Trade Republic currency exchange fee
ATM fee
€1*Show source
ATM fee: €1
Only for withdrawals below 100 €; from 100 € free with the Classic and Mirror cards; ATM operators may charge their own fee
Source states (paraphrased): Withdrawals below 100 € have a 1 € fee.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Only for withdrawals below 100 €; from 100 € free with the Classic and Mirror cards; ATM operators may charge their own fee
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 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
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
1%*Show source
Base cashback: 1%
Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan
Source states (paraphrased): Get 1 % back on up to 1,500 € monthly eligible card spending.
Source: The Trade Republic Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan
Max cashback
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)
2%*Show source
Max cashback: 2%
Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
Source states (paraphrased): Get 2 % back on up to 1,500 € monthly eligible card spending if you use crypto.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
Cashback paid in
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%
Invested into a savings plan asset of your choiceShow source
Cashback paid in: Invested into a savings plan asset of your choice
Source states (paraphrased): invested into the savings plan of your choice
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cashback type
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%
Fiat*Show source
Cashback type: Fiat
Paid by Trade Republic directly into your savings plan (invested)
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Paid by Trade Republic directly into your savings plan (invested)
Cashback-eligible spend cap
€1,500/monthShow source
Cashback-eligible spend cap: €1,500/month
Source: The Trade Republic Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Max cashback per month
€15/monthShow source
Max cashback per month: €15/month
Source states (paraphrased): You can earn a maximum of 15 EUR through Saveback each calendar month
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Cashback conditions
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%
Saveback must be activated · Invest at least 50 EUR per calendar month in weekly, bi-weekly or monthly savings plans (quarterly plans don't qualify) · First activation requires setting up a 50 EUR savings plan for the next monthShow source
Cashback conditions: Saveback must be activated · Invest at least 50 EUR per calendar month in weekly, bi-weekly or monthly savings plans (quarterly plans don't qualify) · First activation requires setting up a 50 EUR savings plan for the next month
Source states (paraphrased): you must invest at least 50 EUR in savings plans per calendar month (through weekly, bi-weekly or monthly savings plans). Quarterly savings plans don't qualify.
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
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 expiry / vesting
Invested on the 2nd of the following month; expires if the savings-plan requirements were not met in the previous monthShow source
Reward expiry / vesting: Invested on the 2nd of the following month; expires if the savings-plan requirements were not met in the previous month
Source states (paraphrased): provided you have fulfilled the requirements mentioned above during the previous month, else the reward expires
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 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
No*Show source
Credit line: No
debit card
Source states (paraphrased): issue of a debit card.
Source: https://assets.traderepublic.com/assets/files/CA_FI-en.pdf
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
debit card
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
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
Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, Slovakia*Show source
Available in: Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, Slovakia
Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin
Source states (paraphrased): Trade Republic is available in Germany, Austria, France
Source: Why do I have to be a permanent resident to open an account?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
personal IBAN for deposits
Source states (paraphrased): The Customer can deposit funds into their account using the personal International Bank Account Number
Source: https://assets.traderepublic.com/assets/files/CA_FI-en.pdf
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
personal IBAN for deposits
Features
Apple Pay
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%
YesShow source
Apple Pay: Yes
Source states (paraphrased): The payment limits when using Apple/Google Pay will be subject to the daily and weekly spending limits of your card
Source: Are there any payment limits when I use Apple Pay or GooglePay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Google Pay
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%
YesShow source
Google Pay: Yes
Source states (paraphrased): The payment limits when using Apple/Google Pay will be subject to the daily and weekly spending limits of your card
Source: Are there any payment limits when I use Apple Pay or GooglePay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Physical card
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%
YesShow source
Physical card: Yes
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
YesShow source
Virtual card: Yes
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Yes*Show source
ATM withdrawals: Yes
Classic and Mirror cards
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Classic and Mirror cards
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
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%
CRR credit institution · BaFin*Show source
Regulation / licences: CRR credit institution · BaFin
supervised by BaFin, BaFin-ID 10150368
Source states (paraphrased): Trade Republic is licensed as a CRR credit institution.
Source: https://assets.traderepublic.com/assets/files/CA_FI-en.pdf
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
supervised by BaFin, BaFin-ID 10150368
Deposit protection
Yes*Show source
Deposit protection: Yes
Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered
Source: The Trade Republic Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered
Annual cost at 1,500 EUR/month
CL Card (Ledger)
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Trade Republic Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashback+180 EUR
- Net annual value168 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers