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Plutus Card

Updated: Aug 1, 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.
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Card network
Visa
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
ETH / EUR / GBP / PLU
Last updated
Aug 1, 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.
Company / issuer
Plutus
Legal name
Block Code Ltd.
Registered region
United Kingdom (GB)
Headquarters
Original伦敦英国
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.

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

Regions and China applicability

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

China applicability

The source text is retained below.

Original

1、中国大陆:中国大陆居民不可申请;符合英国或欧洲经济区居住资格的已持卡用户,可在接受境外 Visa 卡的商户及支付钱包使用。

2、香港:中国香港居民不可申请;已由支持地区发行的卡片,可在香港接受 Visa 的线上商户、实体商户及 ATM 使用。

3、澳门:中国澳门居民不可申请;已由支持地区发行的卡片,可在澳门接受 Visa 的线上商户、实体商户及 ATM 使用。

4、台湾:中国台湾居民不可申请;已由支持地区发行的卡片,可在台湾接受 Visa 的线上商户、实体商户及 ATM 使用。

Updated: Aug 1, 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

User reviews

Showing 10 approved reviews matched to this card

Newest first
Gs Strustpilot1 / 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 Btrustpilot1 / 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.
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Roland Overmarsgoogle_play1 / 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
Orhatrustpilot1 / 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
Gerhardtrustpilot1 / 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_play1 / 5

Plutus | Bank On Crypto Google Play review - 1 star

just waiting for a card 😓
View original
k chotrustpilot1 / 5

they keep charging me from months after…

they keep charging me from months after I tried to cancel the card, it still happens just, what can i do to stop them?
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cristian purdelgoogle_play1 / 5

Plutus | Bank On Crypto Google Play review - 1 star

stopped using it once year ago, but they started charging me daily since yesterday
View original
Tadas Mjtrustpilot1 / 5

hey tried to charge my card for 6.99…

hey tried to charge my card for 6.99 Eur without my authorisation today since I stopped using them. I don’t have any active plan or subscrition. Luckily I didn't have balance in a card. Bandits!
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Ricardo Amaraltrustpilot1 / 5

After canceling my subscription they…

After canceling my subscription they still debited my credit card.
View original

Risk factors

Updated: Jul 9, 2026

No risk factors are available