CL Card (Ledger) vs Plutus
Crypto native
Crypto native
Verdict
- CL Card (Ledger) scores higher overall (6.0 vs 4.3 out of 10).
- CL Card (Ledger) is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CL Card (Ledger) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability
Plutus is a good fit for
- No specific audience can be derived from the published data yet.
Score by criterion
| Criterion | CL Card (Ledger) | Plutus |
|---|---|---|
| Fees | – | 85 |
| Cashback & rewards | 24 | 25 |
| Availability | 100 | 0 |
| FX & international | – | 0 |
| Product features | 70 | 70 |
| Custody & security | 75 | – |
| Credit & financing | 75 | – |
| Limits & ATM | – | 50 |
| Transparency | 86 | 86 |
| Best for Cashback | 4.6 | 3.8 |
| Best for Travel | n/a | 3.4 |
| Best for DeFi Users | 6.0 | 5.2 |
| Best for High Spenders | 4.5 | 4.1 |
| Best for Low Fees | n/a | 5.9 |
| Best for Beginners | 7.0 | 5.9 |
| Best Crypto Credit Card | 6.5 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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 cardShow source
Card type: Debit card
Source states (paraphrased): Securely fund your debit card via Ledger Wallet™.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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
Stated for the US card only
Source states (paraphrased): The VISA debit card offered in the US is in partnership with Cross River Bank, Member FDIC
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Stated for the US card only
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
Custody model
CustodialShow source
Custody model: Custodial
Source states (paraphrased): Once you transfer funds from your wallet to the card, they are no longer under self-custody.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Card issuer / program manager
Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com LtdShow source
Card issuer / program manager: Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com Ltd
Source states (paraphrased): The Crypto Life Platform is provided by Frozen Time Unipessoal LDA
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
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%
Fees
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
Free*Show source
Virtual card fee: Free
Currency not stated on the page
Source states (paraphrased): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Currency not stated on the page
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
3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balanceShow source
Other fees & markups: 3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balance
Source states (paraphrased): The fee is 3.49% of the total amount you request to withdraw.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
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%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Calculated monthly on all card spend
Source states (paraphrased): 1% in BTC or USDC (US) / BTC or USDT (elsewhere).
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Calculated monthly on all card spend
Max cashback
2%*Show source
Max cashback: 2%
If cashback is paid in BXX (Baanx token)
Source states (paraphrased): or a 2% reward if you choose BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
If cashback is paid in BXX (Baanx token)
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
BTC, USDT or BXXShow source
Cashback paid in: BTC, USDT or BXX
Source states (paraphrased): currently available in BTC, USDT, and BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
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
CryptoShow source
Cashback type: Crypto
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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
Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each monthShow source
Cashback conditions: Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each month
Source states (paraphrased): At the end of each month, you will receive your reward for the total amount of card transactions.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): No staking required.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
Transactions funded by CryptodraftShow source
Reward exclusions: Transactions funded by Cryptodraft
Source states (paraphrased): excluding transactions funded by Cryptodraft
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
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%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Optional; rates depend on country of residence
Source states (paraphrased): You can also choose to use your crypto as collateral. Access smart credit lines with rates starting at 0% depending on your country of residence
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional; rates depend on country of residence
Credit type
Crypto-backed credit*Show source
Credit type: Crypto-backed credit
Optional credit line
Source states (paraphrased): You can also choose to use your crypto as collateral.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional credit line
Collateral assets
BTC · ETH*Show source
Collateral assets: BTC · ETH
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Source states (paraphrased): BTC or ETH.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Max loan-to-value
60%*Show source
Max loan-to-value: 60%
Cryptodraft
Source states (paraphrased): spend up to 60% of your collateral value as credit spent on your card
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft
Interest notes
Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXXShow source
Interest notes: Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXX
Source states (paraphrased): The first 10% you spend is interest-free, while the remaining 50% is subject to a 1% monthly percentage rate (MPR).
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Stableloan when LTV significantly exceeds agreed LTV
Source states (paraphrased): we may liquidate part or all of your collateral
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Stableloan when LTV significantly exceeds agreed LTV
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Page only says crypto can be used as collateral; no credit terms given
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Page only says crypto can be used as collateral; no credit terms given
Availability
Available in
EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil*Show source
Available in: EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil
Per Ledger shop FAQ; other Ledger pages list fewer regions
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per Ledger shop FAQ; other Ledger pages list fewer regions
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
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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): To order a physical card, you may be required to pay a delivery fee.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Withdraw local currencies at ATMs worldwide
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Spendable assets
BTC · ETH · SOL · Stablecoins*Show source
Spendable assets: BTC · ETH · SOL · Stablecoins
Top-up assets ('and more'); converted to fiat at purchase
Source states (paraphrased): Fund your card quickly and easily with BTC, ETH, SOL, stablecoins and more
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Top-up assets ('and more'); converted to fiat at purchase
Blockchains
Bitcoin · Litecoin · XRP · Ethereum · Solana*Show source
Blockchains: Bitcoin · Litecoin · XRP · Ethereum · Solana
Solana only for receiving SOL; Layer 2 networks not supported
Source states (paraphrased): the main blockchains of Bitcoin, Litecoin, XRP, Ethereum and Solana* are supported for receiving and sending crypto funds
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Solana only for receiving SOL; Layer 2 networks not supported
Limits
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
Security & custody
Regulation / licences
Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset servicesShow source
Regulation / licences: Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset services
Source states (paraphrased): registered by Banco de Portugal to provide Crypto Asset Services
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
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
Annual cost at 1,500 EUR/month
CL Card (Ledger)
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Plutus
- Annual & monthly fees−29 EUR
- FX costs−90 EUR
- Crypto conversion–
- ATM costs−30 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers