Specifications
| Card network | Visa |
|---|---|
| Provider | Plutus (London FCA EMI) / Modulr safeguarding |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | multi_currency |
| Available in | UK + EEA countries |
| Supported chains | Ethereum, Polygon |
| Supported assets | ETH, PLU; fiat top-up GBP/EUR |
| Issuance fee | $13 |
| Monthly fee | $7.50 |
| FX markup | 2.5% |
| ATM fee | 2% + $1.50 |
| Top-up fee | 0% |
| Foreign transaction fee | 2.5% |
| Cashback | Up to 9% in PLUS Points (PLU) (realistic ~3%) |
| Cashback monthly cap | $1000 |
| Daily spend limit | $1000 |
| Monthly spend limit | — |
| Daily ATM limit | $300 |
| Last verified | 2026-04-30 |
What to watch out for
Non-custodial: Plutus reads on-chain PLU balance to determine tier, never holds tokens; UK FCA EMI license; Lithuanian EMI for EEA MiCA; Netherlands IBAN issued in user name; rewards now PLUS Points convertible to PLU; cashback paid monthly to user wallet (Plutus pays gas)
Editorial notes
2026 pricing overhaul: free tier REMOVED, all plans £6.99-£19.99/month subscription required (Starter £6.99, Everyday £9.99, Premium £19.99); 2.5% FX added (was 0%); £9.99 physical card; eligible spend caps drastically limit returns; PLU token volatile and DEX-only; highest theoretical 9% but practical economics favour stackers only; 14-day free trial
Frequently asked questions
Where is the Plutus Card available?
As of 2026-04-30, Plutus Card is available to residents of United Kingdom and European Economic Area. Specific country list: UK + EEA countries.
How does the Plutus Card cashback work?
Plutus Card offers up to 9% cashback paid in PLUS Points (PLU). 3% base on Starter plan (£6.99/mo, eligible spend cap £250/mo); staking PLU unlocks higher tiers up to 9% (Honey Badger 40K PLU stake); 100% perk rebate (up to £/€10) on Netflix/Spotify/Aldi/Lidl/Tesco/Uber etc, perk slots vary by plan; spend above eligible cap earns nothing. Pricing changed 2026: free tier removed; 2.5% FX fee added (was 0%). In practice, the realistic effective rate for most users is around 3%.
What are the fees on the Plutus Card?
Plutus Card has an issuance fee of $13, a monthly fee of $7.50, a 2.5% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Does Plutus Card hold my crypto?
Yes. Plutus Card is a pre-funded card — you transfer crypto or stablecoins to a balance held by the provider, and the card spends from that balance. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently — confirm with the issuer before signing up. See our methodology for how we collect and verify this data.