Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$4.25/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
Ledger
Plutus Card

Plutus Card

VisaVirtual and plasticSince 2015
Asks for everythingDegraded

Before you continue. The service is partly unavailable. Some of what is described below may not work.

Visa debit with 3-9% PLU rewards and 50+ brand perks (Netflix/Spotify/Amazon) — UK/EEA, but currently in operational decline since Modulr partnership collapse in January 2026.

Total, per $100 spent: $4.25per $100 spent

150 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 3 times that for the same loss of privacy.

Open plutus.itNot a paid link: we earn nothing either way.

Whether to take Plutus Card

In its favour

  • 3-9% rewards in PLU on eligible spend (highest cashback ceiling in EU)
  • 50+ Plutus Perks (Netflix, Spotify, Amazon, McDonald's etc)
  • Crypto top-up via PLU, ETH (Ethereum/Polygon) and USDC (PlutusLite)
  • Virtual card free, physical £9.99/€9.99

Against it

  • STATUS: severe operational decline Q2 2026 — cards deactivated, fiat deposits blocked after Modulr partnership collapsed January 2026
  • All plans now paid (Starter £6.99, Everyday £9.99, Premium £19.99)
  • Cashback eligible spend capped (£250/£500/£1,000 by tier)
  • 2.5% FX fee on non-domestic transactions

Also true, in its favour

  • Decentralised PLU staking (any wallet)
  • Google Pay supported (Apple Pay currently down pending banking migration)

What Plutus Card costs

ChargeWhat it costs
To get the card
To issue the card$9.99
Monthly$6.99
To put money in
To load1.75%
To spend it
To spend outside the dollar2.5%
At a cash machine1% + €1.35
Total, per $100 spent$4.25

Not published by the issuer: to spend, per payment, fixed.

Read off plutus.it on July 21, 2026.

Plans: Starter £6.99/mo (£250 eligible), Everyday £9.99/mo (£500), Premium £19.99/mo (£1,000). Physical card £9.99/€9.99. FX 2.5%. ATM 1% + €1.35, €300/day. Top-up via debit/credit 1.75%. Crypto top-up: PLU + ETH. ⚠️ Many user reports of cards deactivated and fiat blocked since January 2026.

KYC: what Plutus Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Monthly spend$1,000,000
Daily spend$500,000
Per payment$500,000
Maximum balance$12,000,000
Cash, per day$300

Confirmed on plutus.it on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsGoogle Pay only
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in3PLU, ETH, USDC
Chains2Ethereum, Polygon
TiersStarter, Everyday, Premium

Closed to residents of 8 countries, according to the issuer's own terms.

  • Belarus
  • Cuba
  • Iran
  • North Korea
  • Russia
  • Syria
  • United States
  • Venezuela

The other flaws

  • ATM 1% + €1.35 with €300/day limit
  • PLU rewards subject to token volatility
  • UK/EEA only

What has changed

1 recorded changes, the most recent on February 1, 2026. Each carries the page we read it on.

February 1, 2026KYC changedPlutus splits UK and EEA operations post-BrexitIn Q1 2026 Plutus implemented a post-Brexit split: UK and EEA users now sit under separate licenses. EEA users are serviced via Plutus's Lithuanian EMI license (secured Q3 2025); UK users continue on the existing UK structure. Existing metal card benefits honoured per original terms with 6-month notice on changes.plutus.it

How we checked this

Thirteen fields are tracked for every service. 12 of them carry a figure we read off plutus.it on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Issuance · Monthly · Cash machine charge · Spending limits · Maximum balance · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Per-payment charge

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open plutus.itNot a paid link: we earn nothing either way.

Alternatives to Plutus Card

Takes $0.50 less on every $100 spent.CL Card (Ledger)CL Card (Ledger)VisaVirtual and plasticAsks for everythingOperational1.75% outside the dollar, plus $2.00 fixed. 2 fee fields are not published.AG7 Sept$3.75per $100 spent
Costs $0.80 more per $100 — the price of the difference.Zypto PremiumZypto PremiumVisaVirtual and plasticAsks for everythingOperational3% when you load, 1.75% outside the dollar and $0.30 fixed.AG9 Sept$5.05per $100 spent
Its issuer publishes nothing to compare on price.Pay3 CardPay3 CardVisaVirtual and plasticAsks for everythingOperationalAG31 Julnot published