Ledger Card
Ledger Card is a crypto card issued on Mastercard, rated 7.0/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Ledger Card is the strongest fit for all-rounder and AI subscriptions, and asks for face scan at signup — we carry it at hybrid custody - self-custody until funds move to card account (baanx/monavate) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Ledger Card · Crypto Card |
| Official site | https://shop.ledger.com |
| Best for | All-rounder · AI subscriptions |
| Network | Mastercard |
| Rating | 7.0/10 (3.5★, 133 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | free virtual card; physical card regional fee |
| Top-up (deposit) fee | 1.75% crypto conversion; plus 2% card spend… ··· |
| FX / conversion fee | 1.75% FX |
Verification and risk
| KYC required | yes (full KYC - ID, face and proof of address) |
| Risk level | hybrid custody - self-custody until funds mo… ··· |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (BTC, ETH, SOL, USDC, USDT, EURT) |
| Bank transfer | yes (US ACH; EU EUR/GBP transfers) |
| Alipay / WeChat Pay | no |
| Cards per account | Multiple |
Billing
| Billing address | EEA/UK |
| Billing country | EEA, UK, US ··· |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
| AI tools noted | ChatGPT / Claude / Midjourney |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 238393 | Mastercard | EEA (Europe) | Debit | 193 | 138 | 71.5% |
We logged 138 cleared charges out of 193 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Ledger Card cost to run?
The cost lines stack like this: issuing the card is free; top-ups cost 1.75% crypto conversion; plus 2% card spend fee on crypto-funded transactions (UK/EEA); conversion is priced at 1.75% FX. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Ledger Card?
Ledger Card asks for face scan at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (full KYC - ID, face and proof of address)
How can I fund Ledger Card?
You can fund it with crypto (BTC, ETH, SOL, USDC, USDT, EURT), bank transfer (US ACH; EU EUR/GBP transfers). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Ledger Card need?
Setting it up: the billing address type is EEA/UK; cards are issued against EEA, UK, US (excl. NY, VT), Canada, Switzerland, Colombia, Mexico, Brazil; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Ledger Card work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Ledger Card trigger 3-D Secure?
Yes. Ledger Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Ledger Card?
Ledger Card allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.