Ledger CL Card vs Shakepay Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Ledger CL Card | Shakepay Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | No direct BTC load |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | not documented | 3% |
| Monthly fee | none | none |
| ATM fee | not documented | not documented |
| Cashback | 1% in BTC | 1% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | not documented | $5000.0 |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | UK, EEA, US | CA |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Ledger CL Card if
- Wider documented availability
Pick Shakepay Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Shakepay Card
exists - active, beantragbar; physische Karte frisch gelauncht (Okt 2026-Seite), BTC-Cashback 1% (bis 1.5% mit Blue-Status), Canada-only
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FAQ
Which is better for privacy, Ledger CL Card or Shakepay Card?
Both cards sit at the same KYC depth: Ledger CL Card and Shakepay 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. Shakepay 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 2026-11-02 · How we verify