Plutus
Paused. Card/banking features in migration; card spending currently earns no PLUS This card is excluded from recommendations and rankings.
Subscription-based rewards app paying PLU/PLUS rewards and perks. Card features are being migrated; according to Plutus, card spending currently earns no PLUS.
Base cashback
Max cashback
9%*Show source
Max cashback: 9%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Base fee
£1.99/month*Show source
Monthly fee: £1.99/month
Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan
Source states (paraphrased): | Lite | £1.99 /mo | 3% | | £100
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
FX fee
2.5%*Show source
FX fee: 2.5%
Same on all plans
Source states (paraphrased): if you use a EURO-denominated card to make a payment in a currency other than EURO, a 2.5% fee will be imposed
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
ATM fee
2.5%*Show source
ATM fee: 2.5%
Same on all plans; note the EEA terms state ATM withdrawals are not permitted
Source states (paraphrased): 3.1 ATM withdrawal Starter Everyday Premium 2.5%
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 55%
Card fee
€9.99*Show source
Physical card fee: €9.99
Same on all plans
Source states (paraphrased): 1.6 Physical Card Order Fee Starter Everyday Premium €9.99 / £9.99
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Credit line
Staking needed
Yes*Show source
Staking / holding required for top rewards: Yes
Higher reward levels require holding PLU
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Tap a value for its source. * = conditions apply.
At a glance
Pros
No clear advantages can be derived from the published data yet.
Cons
- Paused: Card/banking features in migration; card spending currently earns no PLUS
- Monthly fee £1.99
- FX fee up to 2.5%
- Top rate of 9% only with conditions — Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
- Higher rewards require staking or holding Pluton (PLU / Rare PLU)
- ATM fee 2.5%
Good for
Not enough data to say.
Not for
- Frequent travellers paying in foreign currencies
- Anyone unwilling to lock up a platform token
- Anyone looking for a card to use long-term right now
Risks to understand
- Staking/holding requirements expose you to the price risk of the platform token.
All details
Fees8/15
- Monthly fee
£1.99/month*Show source
Monthly fee: £1.99/month
Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan
Source states (paraphrased): | Lite | £1.99 /mo | 3% | | £100
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan
- Physical card fee
€9.99*Show source
Physical card fee: €9.99
Same on all plans
Source states (paraphrased): 1.6 Physical Card Order Fee Starter Everyday Premium €9.99 / £9.99
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Same on all plans
- Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Virtual cards are free of charge while physical cards are subject to an order fee
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- FX fee
2.5%*Show source
FX fee: 2.5%
Same on all plans
Source states (paraphrased): if you use a EURO-denominated card to make a payment in a currency other than EURO, a 2.5% fee will be imposed
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Same on all plans
- Crypto conversion fee
1%*Show source
Crypto conversion fee: 1%
Trading fee 1% on Starter; 0% on Everyday and Premium
Source states (paraphrased): 1.3 Trading Fee Starter Everyday Premium 1% 0% 0%
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Trading fee 1% on Starter; 0% on Everyday and Premium
- Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): 1.1 Fiat Deposit Starter Everyday Premium Free
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- ATM fee
2.5%*Show source
ATM fee: 2.5%
Same on all plans; note the EEA terms state ATM withdrawals are not permitted
Source states (paraphrased): 3.1 ATM withdrawal Starter Everyday Premium 2.5%
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 55%
Same on all plans; note the EEA terms state ATM withdrawals are not permitted
- Other fees & markups
Dynamic PLU rewards payout fee (gas + service fees)Show source
Other fees & markups: Dynamic PLU rewards payout fee (gas + service fees)
Source states (paraphrased): PLU payout fees are dynamically linked to the Ethereum network's GAS fees
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Not yet researched: Annual fee, Replacement fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards9/14
- Max cashback
9%*Show source
Max cashback: 9%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
- Cashback paid in
Dynamic Rewards Points (in-app, not withdrawable)Show source
Cashback paid in: Dynamic Rewards Points (in-app, not withdrawable)
Source states (paraphrased): These are not eligible for withdrawal and may be used only within the Plutus app
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
- Cashback type
PointsShow source
Cashback type: Points
Source states (paraphrased): PLUS are in-app points and will not be offered as an on-chain utility until we are licensed.
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
- Cashback-eligible spend cap
€250/month*Show source
Cashback-eligible spend cap: €250/month
Monthly, Starter plan; Everyday EUR 500, Premium EUR 1,000
Source states (paraphrased): 4.5 Card Spend Eligible for Rewards (monthly) Starter Everyday Premium £250 / €250
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Monthly, Starter plan; Everyday EUR 500, Premium EUR 1,000
- Cashback conditions
Requires a Starter, Everyday or Premium subscription plan · Monthly reward limits per plan, reset on the 1st of each month · Rewards pending for 45 days after settlementShow source
Cashback conditions: Requires a Starter, Everyday or Premium subscription plan · Monthly reward limits per plan, reset on the 1st of each month · Rewards pending for 45 days after settlement
Source states (paraphrased): The PRS will be marked as ‘Pending’ in your account for 45 days
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
- Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher reward levels require holding PLU
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Higher reward levels require holding PLU
- Staking asset
Pluton (PLU / Rare PLU)Show source
Staking asset: Pluton (PLU / Rare PLU)
Source states (paraphrased): It can no longer be earned via card spending and is used for Reward Level progression
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
- Reward expiry / vesting
Unredeemed points expire 30 days after subscription cancellation; remaining rewards forfeited on account closureShow source
Reward expiry / vesting: Unredeemed points expire 30 days after subscription cancellation; remaining rewards forfeited on account closure
Source states (paraphrased): any unredeemed PLUS Points associated with your subscription tier will automatically expire 30 days after the cancellation date
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- Reward exclusions
Business/commercial transactions · Payments to other accounts or cards · Money transfers and wallet top-ups · Financial services, loans, currency exchanges · Investments · Gift cards, prepaid cards, vouchers · Gambling and lotteries · Refunded transactions · Payments to government institutions/overpaymentsShow source
Reward exclusions: Business/commercial transactions · Payments to other accounts or cards · Money transfers and wallet top-ups · Financial services, loans, currency exchanges · Investments · Gift cards, prepaid cards, vouchers · Gambling and lotteries · Refunded transactions · Payments to government institutions/overpayments
Source states (paraphrased): amounts related to gift cards, prepaid cards, reloadable cards and/or vouchers/coupons
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Not yet researched: Base cashback, Interest on balance, Max cashback per month, Capital required for top rewards, Minimum balance.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies1/4
- Available in
United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden*Show source
Available in: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden
Listed EEA countries (Estonia and Norway not listed) plus United Kingdom
Source states (paraphrased): you must have legal residence status in one of the following supported countries or territories
Source: Currently Supported Countries
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Listed EEA countries (Estonia and Norway not listed) plus United Kingdom
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets3/11
- Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Google Pay - Yes.
Source: Virtual Cards FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
- Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): Your Plutus Card can be virtual or physical (as chosen by you)
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
- Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Your Plutus Card can be virtual or physical (as chosen by you)
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Not yet researched: Apple Pay, ATM withdrawals, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody1/3
- Regulation / licences
Authorised Electronic Money Institution (Lithuania)*Show source
Regulation / licences: Authorised Electronic Money Institution (Lithuania)
Terms state Plutus is incorporated in Lithuania and is an authorised EMI; also states Plutus as a company is not regulated by financial authorities for crypto matters
Source states (paraphrased): an authorised Electronic Money Institution
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Terms state Plutus is incorporated in Lithuania and is an authorised EMI; also states Plutus as a company is not regulated by financial authorities for crypto matters
Not yet researched: Deposit protection, Smart-contract risk.
Limits1/2
- Spending limit
€500,000*Show source
Spending limit: €500,000
Daily; single transaction also EUR 500,000; rolling 30 days EUR 1,000,000
Source states (paraphrased): 4.2 Daily Card Spending Limit Starter Everyday Premium £500,000 /€500,000
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Daily; single transaction also EUR 500,000; rolling 30 days EUR 1,000,000
Not yet researched: ATM limit.
Product5/7
- Product status
Paused*Show source
Product status: Paused
Card/banking features in migration; card spending currently earns no PLUS
Source: Plutus Q1 Migration FAQ
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Card/banking features in migration; card spending currently earns no PLUS
- Card type
Debit card*Show source
Card type: Debit card
Card currently in migration per other Plutus pages
Source states (paraphrased): when you make purchases with our Visa Debit Card.
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Card currently in migration per other Plutus pages
- Network
Visa*Show source
Network: Visa
Card currently in migration per other Plutus pages
Source states (paraphrased): when you make purchases with our Visa Debit Card.
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Card currently in migration per other Plutus pages
- Card issuer / program manager
Block Code LT UAB (Plutus); card provided by a banking partner (EMI)Show source
Card issuer / program manager: Block Code LT UAB (Plutus); card provided by a banking partner (EMI)
Source states (paraphrased): We are Block Code LT UAB, trading as Plutus
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
- Tiers / plans
Starter · Everyday · PremiumShow source
Tiers / plans: Starter · Everyday · Premium
Source states (paraphrased): the Starter , Everyday and Premium plans
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not yet researched: Custody model, Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €28/year · Per-transaction costs ≈ 1.00% | 20% | 85 |
Cashback & rewards Top rate requires staking/holding (−30 % on the max component) · Only an 'up to' rate is published | 20% | 25 |
Availability Product paused · 29 of 60 tracked countries | 15% | 0 |
FX & international FX fee 2.5% | 10% | 0 |
Product features 3 of 3 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security | 10% | No data — excluded |
Credit & financing | 5% | No data — excluded |
Limits & ATM ATM cost on €200 ≈ 2.5% | 5% | 50 |
Transparency 5 of 5 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 85%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Plutus have an annual or monthly fee?
Base tier: £1.99/month (Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan). Source: An update to your Plutus plan.
What is the FX fee of Plutus?
2.5% (Same on all plans). Source: Fees & Limits.
How much cashback does Plutus pay?
Highest advertised rate: 9% (Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend). Paid in Dynamic Rewards Points (in-app, not withdrawable).
Where is Plutus available?
United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden (Listed EEA countries (Estonia and Norway not listed) plus United Kingdom).
Does Plutus work with Apple Pay and Google Pay?
Apple Pay: no data. Google Pay: Yes.
Change history34 entries
- Regulation / licences not disclosed → ["Authorised Electronic Money Institution (Lithuania)"] · 24 October 2026 · approved
- Reward exclusions not disclosed → ["Business/commercial transactions","Payments to other accounts or cards","Money transfers and wallet top-ups","Financial services, loans, currency exchanges","Investments","Gift cards, prepaid cards, vouchers","Gambling and lotteries","Refunded transactions","Payments to government institutions/overpayments"] · 24 October 2026 · approved
- Reward expiry / vesting not disclosed → "Unredeemed points expire 30 days after subscription cancellation; remaining rewards forfeited on account closure" · 24 October 2026 · approved
- Cashback conditions ["3% PLUS rewards on every plan","Monthly cap by plan: Lite £100, Starter £250, Everyday £500, Premium FX card £1,000"] → ["Requires a Starter, Everyday or Premium subscription plan","Monthly reward limits per plan, reset on the 1st of each month","Rewards pending for 45 days after settlement"] · 24 October 2026 · approved
- Staking asset "PLU" → "Pluton (PLU / Rare PLU)" · 24 October 2026 · approved
- Cashback paid in "PLUS (in-app points)" → "Dynamic Rewards Points (in-app, not withdrawable)" · 24 October 2026 · approved
- Physical card not disclosed → true · 24 October 2026 · approved
- Card issuer / program manager not disclosed → "Block Code LT UAB (Plutus); card provided by a banking partner (EMI)" · 24 October 2026 · approved
- Google Pay not disclosed → true · 24 October 2026 · approved
- Virtual card not disclosed → true · 24 October 2026 · approved
- Available in not disclosed → ["GB","AT","BE","BG","HR","CZ","DK","FI","FR","DE","GR","HU","IS","IE","IT","LV","LI","LT","LU","MT","NL","PL","PT","CY","RO","SK","SI","ES","SE"] · 24 October 2026 · approved
- Cashback-eligible spend cap not disclosed → {"amount":250,"currency":"EUR"} · 24 October 2026 · approved
- Spending limit not disclosed → {"amount":500000,"currency":"EUR"} · 24 October 2026 · approved
- Other fees & markups not disclosed → ["Dynamic PLU rewards payout fee (gas + service fees)"] · 24 October 2026 · approved
- ATM fee not disclosed → {"percent":2.5} · 24 October 2026 · approved
- Top-up fee not disclosed → {"percent":0} · 24 October 2026 · approved
- Crypto conversion fee not disclosed → 1 · 24 October 2026 · approved
- Virtual card fee not disclosed → {"amount":0,"currency":"EUR"} · 24 October 2026 · approved
- Physical card fee not disclosed → {"amount":9.99,"currency":"EUR"} · 24 October 2026 · approved
- FX fee not disclosed → 2.5 · 24 October 2026 · approved
- Tiers / plans ["Lite £1.99/mo","Starter £9.99/mo","Everyday £19.99/mo","Premium FX card £29.99/mo"] → ["Starter","Everyday","Premium"] · 24 October 2026 · approved
- Card type not disclosed → ["debit"] · 23 October 2026 · approved
- Network not disclosed → ["visa"] · 23 October 2026 · approved
- Cashback paid in not disclosed → "PLUS (in-app points)" · 23 October 2026 · approved
- Cashback type "token" → "points" · 23 October 2026 · approved