Ledger CL Card vs Nexo Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Nexo Card ranks higher on the documented evidence (6.2/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
Who wins what
Nexo CardHigher documented cashback (2% vs 1)
Rule-based on the documented facts below - no judgement calls.
 Ledger CL Card | Nexo Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | not documented | 0.2% |
| Monthly fee | none | none |
| ATM fee | not documented | 2% |
| Cashback | 1% in BTC | 2% in NEXO |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | Free tier allowances: EUR 200-2,000 per month by loyalty tier |
| Max load | not documented | not documented |
| Availability | ||
| Regions | UK, EEA, US | EEA, UK, LATAM |
| Network | Visa | Mastercard |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes - CL Card page: 'Use your card with Apple Pay and Google Pay.' FAQ: 'Can I add my CL Card to Apple Pay? Yes.' | yes - Card page: 'Add your Nexo Card to Apple Pay' + 'Apple Pay and Google Pay supported for smooth, card-free transactions' + app flow 'Choose Add to Wallet ... spend with Apple Pay or Google Pay right away'. |
| Google Pay | yes - CL Card page: 'Use your card with Apple Pay and Google Pay.' FAQ: 'Can I add my CL Card to Apple Pay? Yes.' | yes - Card page: 'Add your Nexo Card to Apple Pay' + 'Apple Pay and Google Pay supported for smooth, card-free transactions' + app flow 'Choose Add to Wallet ... spend with Apple Pay or Google Pay right away'. |
| ATM withdrawal | yes (card + PIN) | yes (card + PIN 2%) |
Pick Ledger CL Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Nexo Card if
- Higher documented cashback (2% vs 1)
Nexo Card
The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.
More head-to-heads
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FAQ
Which is better for privacy, Ledger CL Card or Nexo Card?
Both cards sit at the same KYC depth: Ledger CL Card and Nexo Card require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Ledger CL Card: BTC sold per transaction. Nexo Card: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-11-07 · How we verify