Plutus Card

#16 (out of 35) in Crypto Cards
#11 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • 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
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR£ GBP
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee


Highest Cashback

up to 9%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap


Daily Spending Limit

2,500 EUR

Daily ATM Withdrawal Limit

300 EUR

Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All
Supported Cryptocurrencies
Spend your crypto in the real world with your very own physical Plutus Card.

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

(~1,300 EUR¹)

4% €10 5
Starter + Veteran €6.99 500 PLU

(~2,500 EUR¹)

5% €12 6
Starter + G.O.A.T €6.99 2,000 PLU

(~9,700 EUR¹)

8% €20 9
Starter + Honey Badger €6.99 3,000 PLU

(~14,600 EUR¹)


9% €22 10
Everyday + 0 PLU €9.99 0 PLU 3% €15 2
Everyday + Hero €9.99 250 PLU

(~1,300 EUR¹)

4% €20 6
Everyday + Veteran €9.99 500 PLU

(~2,500 EUR¹)

5% €25 7
Everyday + G.O.A.T €9.99 2,000 PLU

(~9,700 EUR¹)

8% €40 10
Everyday + Honey Badger €9.99 3,000 PLU

(~14,600 EUR¹)


9% €45 11
Premium + 0 PLU €19.99 0 PLU 3% €30 3
Premium + Hero €19.99 250 PLU

(~1,300 EUR¹)

4% €40 7
Premium + Veteran €19.99 500 PLU

(~2,500 EUR¹)

5% €50 8
Premium + G.O.A.T €19.99 2,000 PLU

(~9,700 EUR¹)

8% €80 11
Premium + Honey Badger €19.99 3,000 PLU

(~14,600 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 CardIndustry Average1
Entry Level Cashback3%1%
Entry Level Cashback Monthly Cap7 EUR20 EUR

Plutus Card is a Debit Card

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 real-life currency and moving it to the card account, to make it available for spending.

It's Offered in Physical Form, Without an Instant Virtual Equivalent

Plutus Card is available solely in physical form, unlike 50% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.

Wondering about the pros and cons of physical-only format? Here are some highlights:

Physical Card
No Virtual Card
ATM WithdrawalsNo Second Card Number
Required for Car Rentals, HotelsNo Instantly Available Card
Useful When Phone Dies, or no WifiCannot Separate Online Purchases for Safety
Backup Payment MethodCannot Have a 2nd Card with Lower Spend Limits

Inconvenience:Since Plutus Card doesn't support Apple Pay, you will have to take it out of your wallet everytime you pay for something (unless you use Curve).

How Does Plutus Card Compare to Other Crypto Cards?

Plutus Card ranks #11 out of 25 amongst similar crypto cards. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to Plutus Card, since they are available for customers in the same geographical region.

Weakest Features Against Competitors

Compared to its 24 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 11,000 EUR daily spend limit on average).
  • Limits ATM widthdrawals to 300 EUR per day (average amongst other cards is 1,000 EUR).
  • Supports only 2 cryptocurrencies, ETH and PLU (while other cards support an average of 20).
  • Requires preconversion of crypto to load the card (while 40% 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).
  • Plutus Card vs. Gnosis Card vs. Nexo Card

    Plutus Card
    Gnosis Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Foreign Exchange Fee 2.5% 0% 0.5%
    Crypto to Fiat Fee 2.5% 0.0% 0.0%
    Highest Cashback up to 9% None up to 2%
    Entry-Level Cashback 3% None 0.5%
    Daily Spending Limit 2,500 EUR 8,000 EUR 10,000 EUR
    Daily ATM Limit 300 EUR 500 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 2 2 64
    Apple Pay Not Enabled Not Enabled Enabled
    Customer Service Great Great Great
    Company Strength Strong Weak Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Nexo Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Plutus Card and Gnosis 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 Nexo Card are not as high. With Gnosis 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:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-5 EUR
Plutus Crypto-to-Fiat Conversion Fee: 2.5%
-4.88 EUR
Plutus ATM Withdrawal Fee: 2.5%
-3 EUR
ATM Operator Fee: ~3 EUR
187.12 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Plutus Card will cost you a total of ~12.88 EUR (6.4% of 200 EUR), resulting in a final cash withdrawal of 187.12 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:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-5 EUR
Plutus Crypto-to-Fiat Conversion Fee: 2.5%
-4.88 EUR
Plutus Intl ATM Withdrawal Fee: 2.5%
-4.88 EUR
Plutus Foreign Exchange Fee: 2.5%
-1.95 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.9 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 171.39 EUR)

For an international withdrawal using your Plutus Card with an initial 200 EUR in ETH, you'll incur fees totaling ~23.61 EUR (11.8% of 200 EUR), leaving you with 171.39 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Plutus Card is more expensive for both local and international ATM withdrawals:

Cost with Plutus CardCost with Other Cards
Local ATM Withdrawals~12.8 EUR (6.4% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~23.6 EUR (11.8% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 7.4% 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:

Web Form

Location: Plutus customer service reps are located in Philippines flagPhilippines and Colombia flagColombia.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
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
(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
(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
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

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 7.1/10.

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:

Plutus 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 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Informative Indeed. What's My Next Step?

Paulina Masson

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.

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