UCard Radar
Risk alerts

Card database / Visa / Crypto debit card

PPlutus Card logo

Plutus Card

Updated: Sep 16, 2026

Plutus Card is a Visa debit card offered by Plutus to residents of the UK and the European Economic Area, linked to an e-money account denominated in GBP or EUR. Users can deposit fiat currency via bank transfer, use the virtual card, physical card, or digital wallets for everyday payments, and earn +PLUS Points spending rewards, brand Perks, and other in-app benefits based on their subscription plan and PLU holding tier.
Submit usage feedback
Card network
Product type
Crypto debit card
Card form
Virtual card / Physical card / Metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
ETHEURGBPPLPLU
Last updated
Sep 16, 2026

Official and company information

Issuer identity and company credentials

Plutus is a fintech brand used by UK company Block Code Ltd and Lithuanian company Block Code LT UAB. E-money accounts and payment services for UK users are provided by Modulr FS Limited, a UK licensed e-money institution; for EEA users, services are provided by Modulr Finance B.V., a Dutch licensed e-money institution. Account funds are held in segregated safeguarding accounts in accordance with applicable e-money regulations, but are not traditional bank deposits.
Visit website Application page
Company / issuer
Plutus
Legal name
Block Code Ltd.
Registered region
United Kingdom (GB)
Headquarters
London, United Kingdom
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Plutus Card is operated by Block Code Ltd and Block Code LT UAB, while account and related payment services are provided through Modulr FS Limited and Modulr Finance B.V., respectively. After completing identity verification, users can obtain GBP or EUR account details, top up from their own bank account through FPS, SEPA, or SEPA Instant, and spend with the linked Visa debit card. The virtual card can be used for online shopping, subscriptions, and Google Pay, while the physical card supports chip, PIN, contactless payments, and ATM functionality. Plutus currently combines paid subscriptions with PLU Reward Levels. The base spending reward is 3% +PLUS Points, while higher tiers can increase it to 9%. Rewards can be redeemed for card balance, gift cards, miles, and travel services.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Plutus Virtual Card
Plutus Physical Card
Plutus GOAT Metal
Plutus Metal card
Card formVirtual cardPhysical cardMetal cardMetal card
Fees
Monthly fee
6.99 EUR
Charged per subscription plan, amount 6.99–19.99 GBP or EUR.
6.99 EUR
Charged per subscription plan, amount 6.99–19.99 GBP or EUR
6.99 EUR
£/€6.99–19.99, valid subscription plan still required.
6.99 EUR
£/€6.99–19.99, valid subscription plan still required.
Card issuance fee
Free
Free issuance.
9.99 EUR
Order fee, amount 9.99 GBP or EUR
——
ATM fee—
2.5%
ATM operator fees additional.
2.5%
ATM operator fees additional.
2.5%
ATM operator fees additional.
Foreign exchange fee
2.5%
Charged for non-base currency transactions.
2.5%
Charged on non-local-currency transactions
2.5%
Charged on non-local-currency transactions
2.5%
Charged on non-local-currency transactions
Top-up fee
Free
Free fiat bank transfers.
Free
Free fiat bank transfers.
Free
Free fiat bank transfers.
Free
Free fiat bank transfers.
Failed transaction fee
Free
No fee for failed payments.
Free
No fee for failed payments.
Free
No fee for failed payments.
Free
No fee for failed payments.
Rewards
Cashback
3%
Cashback 3%–9% and earn PLUS Points, subject to tier and limits.
3%
Cashback 3%–9% and earn PLUS Points, subject to tier and limits.
3%
3%–9% +PLUS Points, subject to tier and limits.
3%
3%–9% +PLUS Points, subject to tier and limits.
Crypto cashback————
Staking rewards
0%
Additional perks and cashback tiers require holding specified PLU.
0%
Requires holding specified PLU for additional perks and cashback tiers.
0%
Additional perk benefits, provided according to active plan.
0%
Additional perk benefits, provided according to active plan.
Staking APR
1%
Annual interest rate 1%–9%, based on CRY tier.
0.99%
Annual interest rate 1%–9%, based on CRY tier.
1%
1%–9%, based on CRY tier.
1%
1%–9%, based on CRY tier.
Welcome bonus————
Referral bonus
10 USD
Each gets $10, and earn PLUS Points.
10 USD
Each gets $10 and earn PLUS Points.
50 USD
Gold invitation reward.
50 USD
Gold invitation reward.
Limits
Daily spending limit
500,000
Same for all plans, limit 500,000 GBP or EUR.
500,000
Same for all plans, amount 500,000 GBP or EUR.
500,000
Same for all plans.
500,000
Same for all plans.
Monthly spending limit
1,000,000
Rolling 30-day calculation, limit 1,000,000 GBP or EUR.
1,000,000
Rolling 30-day calculation, amount 1,000,000 GBP or EUR.
1,000,000
Calculated on a rolling 30-day basis
1,000,000
Calculated on a rolling 30-day basis
ATM withdrawal limit————
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

29
ItalyITAustriaATHungaryHUIcelandISCyprusCYCroatiaHRSlovakiaSKIrelandIENetherlandsNLBulgariaBGGreeceGRPortugalPTPolandPLLatviaLVSpainESBelgiumBEFranceFRDenmarkDKMaltaMTRomaniaROFinlandFIGermanyDECzechiaCZLuxembourgLULiechtensteinLILithuaniaLTSloveniaSISwedenSEUnited KingdomGB
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

26
San MarinoSMFrench PolynesiaPFSint MaartenSXEstoniaEEMartiniqueMQGuadeloupeGPJerseyJEGibraltarGIFaroe IslandsFOArubaAWSt. BarthélemyBLGreenlandGLÅland IslandsAXBritish Virgin IslandsVGMonacoMCAndorraADGuernseyGGMayotteYTCuraçaoCWIsle of ManIMNew CaledoniaNCFalkland Islands (Islas Malvinas)FKSwitzerlandCHFrench GuianaGFRéunionRENorwayNO
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Plutus is still operating a U.S. waitlist and has not opened its full U.S. card program, but an eligible UK or EEA-issued Plutus Card can be used for payments in the United States.
2. United Kingdom：Can apply，Can use，UK residents are explicitly supported and can obtain the card after proving legal residence in the UK and completing the required identity verification.
3. Canada：Cannot apply，Can use，Canada is outside Plutus’s current UK and EEA onboarding coverage, but an eligible card issued in a supported country can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents cannot currently open an eligible Plutus card account because issuance is limited to the UK and listed EEA countries, while an existing eligible card can be used in Australia.
5. South Africa：Cannot apply，Can use，South Africa is outside Plutus’s current card-issuance countries, but an eligible card issued to a supported resident can be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand is not included in Plutus’s current onboarding coverage, while a card issued to an eligible UK or EEA resident can be used there.
7. Ireland：Can apply，Can use，Ireland is explicitly included in Plutus’s supported EEA countries and residents can obtain the card after verifying their identity and legal residence.

Updated: Sep 16, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport / Residence permit / National ID card / Driver's license

Review time / regional limits

Most applications are processed automatically by the system; failed or rejected applications are forwarded for manual review.

KYC provider

Not disclosed

Updated

Aug 1, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 1, 2026

Wallet payments

Alipay

Supported

Aug 1, 2026

Wallet payments

Apple Pay

Not supported

Aug 1, 2026

Cash services

ATM withdrawal

Supported

Aug 1, 2026

AI tools

ChatGPT

Supported

Aug 1, 2026

AI tools

Claude

Supported

Aug 1, 2026

Wallet payments

Google Pay

Supported

Aug 1, 2026

AI tools

Midjourney

Supported

Aug 1, 2026

In-person payments

Offline POS

Supported

Aug 1, 2026

Online shopping

Online shopping

Supported

Aug 1, 2026

Wallet payments

PayPal

Supported

Aug 1, 2026

Subscriptions

Subscription payment

Supported

Aug 1, 2026

Wallet payments

WeChat Pay

Supported

Aug 1, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Nom Deplumegoogle_play★ 1 / 5

Plutus | Bank On Crypto Google Play review - 1 star

App is an outright scam and Ponzi scheme. I closed my account years ago, and yet I found that they have charged me a new subscription fee two days ago! Report and avoid!
View original
Paul Boothgoogle_play★ 1 / 5

Plutus | Bank On Crypto Google Play review - 1 star

OMG worst exp of my life! i sign up a lil over 3 mon ago. i had a prem sub. i pay $19.99 4. I act did receiv my plutus card. i put my bank card on my acc. n load $500. i made a few purch. n it work fine. I didnt use it 4 1 week n I look at my acc. n notic ther was all these charg from my plutus card at strip club n brothel n England. I cont support n they wer sup to help me invest n refun my $. So nxt I kno My acc is susp n no 1 at sup wil answer n email. i had $475 on my acc the stole from me
View original
Kevingoogle_play★ 1 / 5

Plutus | Bank On Crypto Google Play review - 1 star

Terrible product and company. Each update it seems to get worse. I've been a customer for nearly 2 years. Edit: They replied 3 years later to my review with an irrelevant reply.. shows how much they care. I'm glad I and sold my PLU coins when I did. It's gone down 99% since haha. Scam company. I'm not sure how the UK gov allow them to keep a license. I guess Plutus is too small of a company to notice or care about.
Official reply
Hi, Plutus is for people who want real, usable rewards, not free money on demand. A subscription unlocks up to 10% back, PlutusSwap and PlutusGift perks. We’re building a future-proof, scalable system, not clinging to 2015 models. The old free model wasn’t sustainable, so we moved to merchant-funded rewards. Honest feedback is welcome, FUD isn’t.
View original
Alexei Hefnergoogle_play★ 2 / 5

Plutus | Bank On Crypto Google Play review - 2 star

Whilst I understand the need to become sustainable, the original Plutus was much simpler and much better value. Recent changes make the value proposition difficult to determine. Still waiting 8 months later for a replacement card to the one Plutus stopped in January! Be careful of the chatroom support as they don't take kindly to sarcasm when you point out a flaw in the logic of the organisation or the admins, and will block you despite Plutus recommendation to use the facility for support.
View original
Gs Strustpilot★ 1 / 5

Try and avoid Plutus

Try and avoid Plutus, they have gone down , but deep down like the ‘titanic’, Avoid them at all cost.
View original
Denis Btrustpilot★ 1 / 5

Avoid them

Avoid them. I joined long ago thinking it would be good perks. The result is no card to use and paying 6.99 for nothing for months. I finally tried seriously to cancel instead of being lazy and paying a subscription for nothing. Sadly, you click pause and the subscription restarts. The close your account page send you to 404 pages (for the Fill Out The Account Closure Form and Contact Support). The AI chatbot never connects you to a human. I tried to find a way to speak to someone, joined the Discord, and got banned nearly immediately with a message saying I was a robot. And zero answer from my emails (just an automatic message, not even a case number). Really frustrating experience overall.
View original
Roland Overmarsgoogle_play★ 1 / 5

Plutus | Bank On Crypto Google Play review - 1 star

Awful Experience. Started in 2018. The Platform has gotten worse and worse. Countless broken promises. Dex to no Dex, withdrawal to no withdrawal, PLU to PLUS, Rewards to giftcards to pay for your giftcards upfront. The users end up fitting the bill each time. Deceitful marketing is fed to them to entice the next money pit. Exceptionally deviant leadership, fundamental pivots almost every month. No clear structure in place. Be warned, this company will not save you money.
View original
Orhatrustpilot★ 1 / 5

Keep charging my card

Keep charging my card, I don’t have an active subscription with them. This is a SCAM, never give them your card details
View original
Gerhardtrustpilot★ 1 / 5

Meiner Erfahrung nach ist dieser Anbieter nicht vertrauenswürdig

Meiner Erfahrung nach ist dieser Anbieter nicht vertrauenswürdig. Wenn euch euer Geld wichtig ist, solltet ihr euch gut überlegen, ob ihr Plutus nutzen möchtet. Nach dem angekündigten Neustart scheint es erneut kaum voranzugehen. Es werden Werbe- und Promoaktionen gestartet, um neue Kunden zu gewinnen, die beworbenen Leistungen sind jedoch nicht oder nur sehr eingeschränkt verfügbar. Solltet ihr bei diesem Anbieter jemals eure Kreditkarte hinterlegt haben, würde ich aus Sicherheitsgründen empfehlen, diese vorsorglich sperren zu lassen und eine neue Karte zu beantragen.
View original
Marek Kuceragoogle_play★ 1 / 5

Plutus | Bank On Crypto Google Play review - 1 star

just waiting for a card 😓
View original

Risk factors

Updated: Jul 9, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Plutus Card require KYC?

Our record lists the Plutus Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Plutus Card support Apple Pay and Google Pay?

Apple Pay: Not supported. Google Pay: Supported.

Which assets can I top up Plutus Card with?

Our record lists Plutus Card support for: ETH, EUR, GBP, and PLU.

Is Plutus Card a virtual or a physical card?

Plutus Card is offered as: Virtual card, Physical card, and Metal card.

Where is Plutus Card available?

Our record lists 29 countries or regions as available and 26 as restricted. Country-by-country status is in the regions section of this page.

Who issues Plutus Card?

Plutus Card is operated by Plutus on the Visa network.