It Came in Both Physical and Virtual Forms

You could get Plutus Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They used to mail the physical card, and you could instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card	Virtual Card
ATM Withdrawals	Second Card Number
Required for Car Rentals, Hotels	Instant Availability
Useful When Phone Dies, or no Wifi	Freeze for Safety
Backup Payment Method	Set Lower Spend Limits
Cost to Order: 10 EUR	Cost to Order: 0 EUR

The physical Plutus Card was useful for in-person purchases, while the virtual card was perfect for online transactions like subscriptions.

What Was Crypto-to-EUR Conversion Cost with Plutus Card?

Plutus Card Required Pre-Load

Before you could use your Plutus Card, you needed to top up your account. This meant you had to convert your crypto in advance, exchanging it to EUR in your account to make it available for spending.

Low Cost:Compared to the average ~1.3% crypto-to-fiat cost of other cards, converting crypto with Plutus Card was much more cost-effective (~0.5% + Gas Fees). This meant users would get more EUR for their crypto when using this card.

From all crypto cards we reviewed for Europe, OKX Card, WhiteBIT Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.1%, ~0.28% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

We Had Tested Plutus Customer Support

We asked Plutus customer support different questions, and then rated their responses to evaluate how good their support was.

Why should you Care:When users had a money-related question, like a missing deposit or being overcharged, having good support at that moment was crucial.

Plutus offered support via the following channels:

Chat	https://plutus.it/
Web Form	https://support.plutus.it/hc/en-us/requests/new
Telegram	http://t.me/plutus_group
Discord	https://discord.com/invite/plutus

Location: Plutus customer service reps were located in Philippines and Colombia.^¹

Support Channel	Our Interaction	Score
Web Form (replied in 3 d 5 h )	Gave a simple answer to the question asked, no additional details. View Conversation	Late Reply High Competence Somewhat Personalized Adequate English, Professional Tone 7/10
Web Form (replied in 15 h 39 min)	Knowledgeable response to a question about 3D security. Friendly tone, informative reply, included relevant link. View Conversation	High Competence Somewhat Personalized Adequate English, Professional Tone 9/10
Telegram (replied in 3 min)	Instant reply by a community member, another Plutus user. Helpful and insightful information. View Conversation	High Competence Not Personalized Flawless English, Professional Tone 9/10
Discord (replied in 5 min)	Very helpful community members, passionate about the product. Replied instantly to a question about Curve. View Conversation	High Competence Not Personalized Adequate English, Informal Tone 8/10
Web Form (replied in 6 d )	First reply was somewhat generic, asked to clarify. The response was knowledgeable and helpful. View Conversation	Late Reply High Competence Somewhat Personalized Flawless English, Professional Tone 7.5/10

To summarize,

Competence and Problem-Solving: Plutus' customer service agents were highly competent, so users could expect issues to be resolved with professional expertise and a thorough understanding.

Customer Love: Their responses were personalized when they needed to look up specific account information, although they did not always address users by name.

Reply Speed: Response times were inconsistent, ranging from as quick as 3 minutes to as slow as 6 days.

Overall Customer Service Rating: 8.1/10

With this score, Plutus Customer Service was mediocre, comparable to the 7.6/10 average of other crypto card companies.

Alternatives to Plutus Card?