Plutus vs Wirex Card EEA
On the standard spending profile Wirex Card EEA is cheaper: €0 net per year versus €84 for Plutus. On cashback Plutus wins (up to 9%). In our editorial rating Wirex Card EEA leads (4.3 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Plutus and Wirex Card EEA.
| Plutus | Wirex Card EEA | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.8 | ★ 4.3 |
| Estimated net annual cost | €84 | €0 |
| Account fee | €7 | Free |
| IBAN | dedicato | dedicato · LT |
| Deposit guarantee | None (e-money account) | — |
| Multi-currency | Yes · 2 currencies | Yes · 9 currencies |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| SEPA transfer | Free | Free |
| Card included | Carta Visa inclusa | — |
| Interest on balance | 0% | 16% |
| Network | Visa | — |
| ATM withdrawal | 2.5% | not declared |
| Free ATM limit | High ATM threshold, then 2.5% | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | UK, EEA · 32+ countries | EEA, UK, APAC, LATAM · 130+ countries |
| Regulator | Bank of Lithuania | Bank of Lithuania |
| OAM Italy registration | No | Yes |
| Segment | B2C | B2C |
| Regions | UK, EU/EEA | EU/EEA, UK, APAC, LATAM |
| Licences & safety | EMI (partner UK) | VASP LT + EMI partner |
Frequently asked questions
Plutus vs Wirex Card EEA: which is better?
On the standard spending profile Wirex Card EEA is cheaper: €0 net per year versus €84 for Plutus. On cashback Plutus wins (up to 9%). In our editorial rating Wirex Card EEA leads (4.3 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Plutus and Wirex Card EEA.
Which is cheaper, Plutus or Wirex Card EEA?
On the standard spending profile Wirex Card EEA has the lowest net annual cost: €0 versus €84 for Plutus.
Which offers more cashback, Plutus or Wirex Card EEA?
Plutus has the highest cashback: up to 9%. Note the top rate often requires token staking and is subject to spending caps.
Is Plutus custodial or self-custody?
Plutus is custodial: funds are held by the platform, while Wirex Card EEA is custodial.
Which is better for spending abroad?
For foreign-currency spending Wirex Card EEA wins, with the lowest FX markup: 0%.