United Kingdom & European Economic Area (UK & EEA 30+ countries)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The physical card costs £9.99; the monthly plans are Starter at £/€6.99, Everyday at £/€9.99 and Premium at £/€19.99 (the site notes a promotional discount is currently applied); spending in pounds or euros at home carries no fee. The site also offers a free virtual card with a 14-day trial, which is not the Starter plan.
- Debit / Deduction Model
- Self-custodial wallet on-chain balance mapping: Assets remain in personal Web3 wallets, with accounts and Visa clearing provided by Modulr FS
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Strictly restricted to residents of the United Kingdom (UK) and European Economic Area (EEA); requires valid national ID from a supported country and completion of identity verification.
- Officially supported countries and regions
- United Kingdom & European Economic Area (UK & EEA 30+ countries)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (regulated UK and European Visa Debit card, supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Modulr FS Limited (UK FCA-authorized institution) & Plutus. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Supports push provisioning to Apple Pay via Curve or the official app for contactless tap-to-pay.
- Overseas AI Subscriptions
- Standard European Visa debit card, flawlessly processing payments across all major Western subscription services.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- 3%–9% PLU token cashback and 100% merchant rebates: Select 1 to 8 brand Perks per month (e.g., Netflix, Spotify, Shell), with eligible purchases rebated up to £10/€10 in full per perk.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Non-Custodial Staking Verification Mechanism
- Users' staked PLU remains securely in their self-custodial wallets (such as MetaMask) at all times, with reward tiers calculated via on-chain snapshots, eliminating platform custody and misappropriation risks. [1] [2]
- 100% Subscription Rebates on 50+ Top Merchants
- Covering streaming, food delivery, transit, and supermarkets, each selected Perk offers up to a 100% rebate of £10 equivalent in PLU tokens per month. [1]
- Settlement via UK FCA-Licensed EMI Institution
- Underlying fiat accounts and card rails are powered by leading UK payment clearing provider Modulr FS, ensuring rock-solid regulatory compliance. [1] [2]
- The three monthly plans versus the free virtual card
- The official plans page lists three monthly fees — Starter £/€6.99, Everyday £/€9.99 and Premium £/€19.99 — each marked "Promo discount currently applied", with the physical card at £9.99. The same page has a separate free-virtual-card entry with a 14-day trial, which is not one of the three subscriptions; the record calling Starter free conflated the two. [3]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Debit
- Issuer arrangement / BIN
- Modulr FS Limited (UK FCA-authorized institution) & Plutus. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Supports push provisioning to Apple Pay via Curve or the official app for contactless tap-to-pay.
- Google Pay
- ✅ Explicitly stated in official materials: Supports Google Pay for contactless payments on Android smartphones.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Standard European Visa debit card, flawlessly processing payments across all major Western subscription services.
Compatibility information for this card was verified on 2026-10-23 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Plutus | Bank On Crypto (BLOCK CODE LTD)
- Web Portal Support
- Web Account Available; Card Primarily via App — The official website 'Log in' directs to the web portal at app.plutus.it (formerly dex.plutus.it) for account login; card applications and day-to-day management are primarily handled via the iOS/Android apps
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Available in key international markets
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Plutus Privacy Policy (updated 2021-10-21, still listing Modulr as card issuer): Block Code Ltd (England company no. 09674279) serves as data controller, processing data under UK and EU GDPR; lists rights of access, rectification, erasure (when no longer needed), consent withdrawal, objection, and restriction of processing, with complaints directable to the UK ICO; states data is generally not transferred outside the EEA, with safeguards implemented per GDPR guidance when necessary; fraud or money laundering risk records are retained by fraud prevention agencies
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Personal data is retained for 5 years under the UK Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017; other data is retained in accordance with internal retention policies for no longer than reasonably necessary
- App Store Privacy Label
- No tracking data; Linked to you: 0 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared with 3rd parties: App activity, App info and performance, Audio, Financial info, Messages, Photos and videos; Collects 7 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Requires submitting an Account Closure Form to close account; Help Center states account and associated information are deleted within 30 days (except data subject to statutory retention obligations); Clause 28.7 permits closure at any time, with unused PRS rewards forfeited; Google Play notes deletion can be requested
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Evergreen Pioneer of European Web3 Cashback
Plutus boasts a massive cardholder base in Europe, where its unique self-custodial staking and 100% subscription rebate model delivers substantial returns on everyday spending. [1] [2]
Monthly Fees & Token Lock-Up Considerations
Unlocking higher cashback tiers typically requires a paid monthly subscription and staking PLU tokens; earned PLU rewards are subject to a 45-day anti-fraud verification holding period, and users should account for token price volatility. [1]
Frequently asked questions
Do I need to stake tokens to apply for a Plutus Card?
No staking is required for the entry-level Starter plan to earn 3% cashback (up to the monthly limit); unlocking higher reward tiers (up to 9%) and additional Perks requires staking the corresponding tier of PLU in your self-custodial wallet.
Can cashback be withdrawn immediately?
Cashback is credited as PLU tokens into an internal rewards pool; after a 45-day verification period to protect against chargebacks and refunds, it can be withdrawn to your personal on-chain Ethereum self-custodial wallet.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Plutus Card on X; search results may change over time.
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