Plutus
Plutus · Visa
Plutus is a crypto-rewards account with a Visa card offering the highest nominal cashback among custodial solutions: up to 9% paid in PLU tokens, combining plan and staking. Between a 2.5% FX markup, 2.5% ATM fee and a monthly fee, however, it only becomes truly worthwhile for domestic spending.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | €7 |
|---|---|
| IBAN | dedicato |
| Deposit guarantee | None (e-money account) |
| Multi-currency | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| SEPA transfer | Free |
| Card included | Carta Visa inclusa |
| Interest on balance | 0% |
| Network | Visa |
| ATM withdrawal | 2.5% |
| Free ATM limit | High ATM threshold, then 2.5% |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | UK, EEA · 32+ countries |
| Regulator | Bank of Lithuania |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | 125K+ users |
| MiCA / License status | EMI (partner UK) EMI partner (UK) · adapting |
Plans & pricing
Starter
- Price
- €7
- Issuance fee
- €10
- FX markup
- 2.5%
- Cashback
- 3%
- Cashback currency
- PLU
- Cashback cap
- €250
- Required staking
- Nessuno
- ATM fee
- 2.5%
- ATM limit
- Nessun limite giornaliero dichiarato; 2.5% per prelievo
- Net annual cost
- €84
- Eligible spend cap/month
- £250
- 3% cashback in PLU
- Limited perks
Everyday
- Price
- €10
- Issuance fee
- €10
- FX markup
- 2.5%
- Cashback
- 3%
- Cashback currency
- PLU
- Cashback cap
- €500
- Required staking
- Nessuno
- ATM fee
- 2.5%
- ATM limit
- Nessun limite giornaliero dichiarato; 2.5% per prelievo
- Net annual cost
- €120
- Eligible spend cap/month
- £500
- 50+ brand perks
Premium
- Price
- €20
- Issuance fee
- €10
- FX markup
- 2.5%
- Cashback
- 3%
- Cashback currency
- PLU
- Cashback cap
- €1,000
- Required staking
- Nessuno
- ATM fee
- 2.5%
- ATM limit
- Nessun limite giornaliero dichiarato; 2.5% per prelievo
- Net annual cost
- €240
- Eligible spend cap/month
- £1,000
- All perks
Hero (stake)
- Price
- €8
- Issuance fee
- €10
- FX markup
- 2.5%
- Cashback
- 4%
- Cashback currency
- PLU
- Cashback cap
- €2,000
- Required staking
- ≥2 000 PLU
- ATM fee
- 2.5%
- ATM limit
- Nessun limite giornaliero dichiarato; 2.5% per prelievo
- Net annual cost
- €96
- PLU staking
- 2,000 PLU
- +1% bonus
Veteran (stake)
- Price
- €8
- Issuance fee
- €10
- FX markup
- 2.5%
- Cashback
- 5%
- Cashback currency
- PLU
- Required staking
- ≥3 000 PLU
- ATM fee
- 2.5%
- ATM limit
- Nessun limite giornaliero dichiarato; 2.5% per prelievo
- Net annual cost
- €96
- PLU staking
- 3,000 PLU
- +2% bonus
Honey Badger (stake)
- Price
- €8
- Issuance fee
- €10
- FX markup
- 2.5%
- Cashback
- 9%
- Cashback currency
- PLU
- Required staking
- ≥40 000 PLU
- ATM fee
- 2.5%
- ATM limit
- Nessun limite giornaliero dichiarato; 2.5% per prelievo
- Net annual cost
- €96
- PLU staking
- 40,000 PLU
- +5-6% bonus
- Metal card
Strengths
- Up to 9% nominal cashback in PLU, the highest among custodial cards
- Visa card with perks across 50+ brands
- Extra bonuses via PLU staking
- No notable sovereignty advantage documented.
Weaknesses
- 2.5% FX markup and 2.5% ATM fee
- Monthly fee on all plans
- Best for domestic spending; cashback paid in a volatile token
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (EMI partner (UK) · adapting): reporting to authorities and freezes on order.
Verdict
The B tier, more than the rating, tells the truth: nominal cashback up to 9% in PLU is the highest among custodial cards, but it is eroded by a 2.5% FX markup, a 2.5% ATM fee and a monthly fee on every plan. With no deposit guarantee (a UK EMI partner still "adjusting"), it only truly pays off on domestic spending and for those who accept the token risk.
Through this lens it scores low: custodial, full KYC, bottom privacy (3/10) and rewards paid in a volatile PLU token to be staked. It is a centralized rewards program on the Visa network, with no self-custody or censorship resistance whatsoever.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How do you reach 9% cashback with Plutus?
By combining a paid plan with PLU token staking: base cashback is 3%, staking bonuses bring it up to 9%.
Is Plutus cashback guaranteed?
It is paid in PLU tokens, subject to price swings, and calculated within a monthly cap of eligible spending.
Sources
- Official service page Plans & pricing · Regulatory framework · Issuer · Monthly fee · +4 Data verified on Jul 11, 2026
- crunchbase.com Stock ticker · Stock listing · IPO date Data verified on Jun 15, 2026
- medium.com Investors Data verified on Jun 15, 2026
- spendnode.io Monthly fee · SEPA fee · SWIFT fee · On-chain crypto withdrawals · +2 Data verified on Jun 15, 2026
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