At the moment, crypto-to-fiat conversion and card top-ups with crypto are unavailable on the Plutus platform. They are working on technical upgrades and plan to reintroduce these features in 2024. You can see their roadmap here.
Plutus Card
- Strong Trustpilot ratings
- Attractive cashback offers
- High Crypto to Fiat conversion fee, compared to the rest of the industry
- Only two crypto coins supported
- Small daily spend limit with the basic plan
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR£ GBP |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 10.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~0.5% + Gas Fees |
| Highest Cashback | up to 9% |
| Entry-Level Cashback | 3% |
| Entry-Level Cashback Monthly Cap | 7 EUR |
| Daily Spending Limit | 2,500 EUR |
| Daily ATM Withdrawal Limit | 300 EUR |
| Foreign Exchange Fee | 2.5% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Countries | ArubaAustriaBelgiumBulgariaCroatiaCuracaoCyprusCzech RepublicDenmarkFinlandFranceFrench GuianaGermanyGibraltarGreeceGuadeloupeHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaMartiniqueMayotteNetherlandsPolandPortugalReunionRomaniaSaint-MartinSlovakiaSloveniaSpainSwedenUnited Kingdom |
| Supported Blockchains | Ethereum |
| Supported Cryptocurrencies | ETHPLU |
Spend your crypto in the real world with your very own physical Plutus Card.
Plutus Card Benefits and Rewards
Plutus offers up to 9% cashback paid in crypto. To get cashback, you will need to pay the monthly fee of up to €19.99 and hold some PLU (Pluton Token). See the table below for details.
| Monthly Cost | Required PLU Holdings | Crypto Rewards | Monthly Reward Limit | Perks | |
| Starter + 0 PLU | €6.99 | 0 PLU | 3% | €7 | 1 |
| Starter + Hero | €6.99 | 250 PLU
(~1,000 EUR¹) |
4% | €10 | 5 |
| Starter + Veteran | €6.99 | 500 PLU
(~2,000 EUR¹) |
5% | €12 | 6 |
| Starter + G.O.A.T | €6.99 | 2,000 PLU
(~7,900 EUR¹) |
8% | €20 | 9 |
| Starter + Honey Badger | €6.99 | 3,000 PLU
(~11,800 EUR¹)
|
9% | €22 | 10 |
| Everyday + 0 PLU | €9.99 | 0 PLU | 3% | €15 | 2 |
| Everyday + Hero | €9.99 | 250 PLU
(~1,000 EUR¹) |
4% | €20 | 6 |
| Everyday + Veteran | €9.99 | 500 PLU
(~2,000 EUR¹) |
5% | €25 | 7 |
| Everyday + G.O.A.T | €9.99 | 2,000 PLU
(~7,900 EUR¹) |
8% | €40 | 10 |
| Everyday + Honey Badger | €9.99 | 3,000 PLU
(~11,800 EUR¹)
|
9% | €45 | 11 |
| Premium + 0 PLU | €19.99 | 0 PLU | 3% | €30 | 3 |
| Premium + Hero | €19.99 | 250 PLU
(~1,000 EUR¹) |
4% | €40 | 7 |
| Premium + Veteran | €19.99 | 500 PLU
(~2,000 EUR¹) |
5% | €50 | 8 |
| Premium + G.O.A.T | €19.99 | 2,000 PLU
(~7,900 EUR¹) |
8% | €80 | 11 |
| Premium + Honey Badger | €19.99 | 3,000 PLU
(~11,800 EUR¹)
|
9% | €90 | 12 |
What are the Perks that Plutus Card Offers?
As you see in the table above, you can qualify for 1-12 perks a month, when using Plutus card. Perks are limited to €11 EUR each, a month. Here is a list of perks you can choose from:
Netflix, Spotify, Amazon Prime, Disney Plus, Amazon, Ebay, Asos, Lidl, Aldi, Rewe, Albert Heijn, Pingo Doce, Edeka, Mercadona, McDonald’s, KFC, Burger King, Carrefour, Tesco, Asda, Sainsbury’s, Playstation, Steam, Xbox, Shell, TFL, Booking, Airbnb, Uber, Uber Eats, Deliveroo Plus, Just Eat, Starbucks, IKEA, Curve, Apple, Apple One, ChatGPT, Twitter, Youtube, OnlyFans.
Reality Check While Plutus Card promotes up to 9% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 3% cashback, capped at 7 EUR per month.
Are other cards more generous at base tier? Yes.
| Plutus Card | Industry Average1 | |
| Entry Level Cashback | 3% | 1% |
| Entry Level Cashback Monthly Cap | 7 EUR | 20 EUR |
Plutus Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- NL
IBAN Bank Account- in your name
With Plutus Card, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Netherlands-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.
Not so Great:Third party senders cannot deposit funds into your Plutus bank account - you can only receive deposits from accounts in your name. This means you will not be able to receive your fiat withdrawals from exchanges or receive salary payments.
It Comes in Both Physical and Virtual Forms
You can get Plutus Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can 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 |
You will find the physical Plutus Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-EUR Conversion Cost with Plutus Card
Plutus Card Requires Pre-Load
Before you can use your Plutus Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to EUR Cost | ~0.5% + Gas Fees |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Plutus Card is much more cost-effective (~0.5% + Gas Fees). This means that you will get more EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Plutus Card Compare to Other Crypto Cards?
Plutus Card ranks #28 out of 47 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
In addition, Plutus Card ranks #6 out of 10 amongst Non-Custodial Crypto Cards.
We compared Plutus Card with 37 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Plutus Card against its 37 competitors:
- Offers impressive maximum cashback of up to 9% (other cards have an average of 4%).
- You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
- Their overall fee structure is incredibly budget-friendly, with a score of 7.4/10 (average fee structure rating amongst other cards is 5.9/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
Weakest Features Against Competitors
Compared to its 37 competitors, here are the shortcomings of Plutus Card:
- Apple Pay isn't enabled (while 60% of competing crypto cards have it).
- Limits entry-level cashback to 7 EUR per month (while other cards have 20 EUR average monthly cap for the base tier).
- Daily spend is capped at 2,500 EUR (while other cards offer 9,000 EUR daily spend limit on average).
- Supports only 2 cryptocurrencies, ETH and PLU (while other cards support an average of 20).
- Less-known company with a 3.5/10 company strength score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
- Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
- Supports only one blockchain, Ethereum (while other non-custodial cards support an average of 6 blockchains).
Plutus Card vs. Offramp Card vs. Holyheld Card
Plutus Card
|
Offramp Card
|
Holyheld Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 USD | 0.00 EUR |
| Crypto to Fiat Cost | ~0.5% + Gas Fees | ~0.5% + Gas Fees | ~0.5% |
| Highest Cashback | up to 9% | None | up to 1% |
| Entry-Level Cashback | 3% | None | 0.5% |
| Daily Spending Limit | 2,500 EUR | Unlimited | 10,000 EUR |
| Daily ATM Limit | 300 EUR | N/A (Virtual-Only Card) | 5,000 EUR |
| Foreign Exchange Fee | 2.5% | 0.5% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 2 | 4217 | 1201 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Company Strength | Medium | Weak | Medium |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Offramp Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Plutus Card and Holyheld Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Plutus Card offers the best cashback rewards of up to 9%. The cashback rewards for Holyheld Card are not as high. With Offramp Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Plutus Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Plutus Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Plutus Card will cost you a total of ~8.98 EUR (4.5% of 200 EUR), resulting in a final cash withdrawal of 191.02 EUR in hand.
Doesn't Plutus Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Plutus Card, here's what it will look like:
For an international withdrawal using your Plutus Card with an initial 200 EUR in ETH, you'll incur fees totaling ~19.93 EUR (10% of 200 EUR), leaving you with 179.07 EUR in the equivalent foreign currency.
Reality CheckOverall, Plutus Card is equivalent to the average than other cards for local ATM withdrawals and slightly more expensive for international ATM withdrawals:
| Cost with Plutus Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~9 EUR (4.5% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~20 EUR (10% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested Plutus's Customer Support
We asked Plutus's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Plutus offers 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 are 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. | 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. | 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. | 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. | 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. | Late Reply High Competence Somewhat Personalized Flawless English, Professional Tone 7.5/10 |
To summarize,
Competence and Problem-Solving: Plutus's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.
Reply Speed: Response times are inconsistent, ranging from as quick as 3 minutes to as slow as 6 days.
Overall Customer Service Rating: 8.1/10
This excellent score places Plutus's Customer Service well above the crypto card industry average of 7.4/10.
Plutus Referral ID - to Get 10 EUR Bonus
You can use referral id Q5hCgH to get 10 EUR bonus when you create an account on Plutus platform.
Here's how you can enter the referral id:
..or, just click here.
Your bonus will be paid out to you in PLU (Pluton1), right after you make your first deposit.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is Plutus Card Available for Residents of United States?
No, Plutus Card is not available for residents of United States.
Plutus Card supports the following countries: Aruba, Austria, Belgium, Bulgaria, Croatia, Curacao, Cyprus, Czech Republic, Denmark, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Poland, Portugal, Reunion, Romania, Saint-Martin, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
That Helps. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
