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Ledger CL Card vs Revolut

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

Ledger CL Card card
Ledger CL Card
n/a
Full KYCHybridDirect BTC top-up
Get Ledger CL Card
Higher score Revolut - illustration (AI-generated, not the official card design)
Revolut
6.8
Full KYCCustodialBTC via in-app conversion
Get Revolut

Short answer Revolut wins overall (6.8/10 vs null/10). The right pick still depends on your priority - see the flow comparison below.

Ledger CL Card Revolut
Bitcoin flow
BTC loadDirect BTC top-up (on-chain)BTC via in-app conversion
Lightning fundingnono
BTC sale timingBTC sold per transactionBTC sold per transaction
Fees
Top-up feenot documented0%
FX feenot documented0%
Monthly feenot documentednone
ATM feenot documented2%
Cashback1% in BTCnone
Privacy & custody
KYCFull KYCFull KYC
CustodyHybridCustodial
Limits
Daily spend limitnot documentednot documented
ATM daily limitnot documentednot documented
Max loadnot documentednot documented
Availability
RegionsUK, EEA, USEEA, UK, US, APAC, LATAM, GLOBAL
NetworkVisaVisa
Form factorPhysical + virtualPhysical + virtual
Apple Payno / unknownno / unknown

Pick Ledger CL Card if

  • Higher documented cashback (1% vs 0)

Pick Revolut if

  • Wider documented availability

Ledger CL Card

Full review pending. Facts on this page are sourced and dated.

Full review

Revolut

The mainstream choice if you want crypto spend inside a full banking app - regulated, mature, multi-plan - but it is a bank card with a crypto side-feature: auto-conversion spreads, plan-based crypto fees and taxable disposals at every payment are the trade-offs.

Full review

More head-to-heads

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FAQ

Which is better for privacy, Ledger CL Card or Revolut?
Ledger CL Card requires Full KYC, while Revolut requires Full KYC. 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. Revolut: BTC sold per transaction. 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 2026-10-05 · How we verify