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 | €8 |
|---|---|
| Deposit guarantee | None (e-money account) |
| Multi-currency | No |
| Card included | Carta Visa inclusa |
| 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 |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | 125K+ users |
| MiCA / License status | EMI (partner UK) EMI partner (UK) · adapting |
Plans & pricing
Starter
- Price
- €8
- Cashback
- 3%
- cashback_valuta_reward
- PLU
- atm_fee_pct
- 2.5%
- atm_limit
- Soglia ATM elevata, poi 2,5%
- Eligible spend cap/month
- £250
- 3% cashback in PLU
- Limited perks
Everyday
- Price
- €17
- Cashback
- 3%
- cashback_valuta_reward
- PLU
- atm_fee_pct
- 2.5%
- atm_limit
- Soglia ATM elevata, poi 2,5%
- Eligible spend cap/month
- £500
- 50+ brand perks
Premium
- Price
- €34
- Cashback
- 3%
- cashback_valuta_reward
- PLU
- atm_fee_pct
- 2.5%
- atm_limit
- Soglia ATM elevata, poi 2,5%
- Eligible spend cap/month
- £1,000
- All perks
Hero (stake)
- Price
- €8
- Cashback
- 4%
- cashback_valuta_reward
- PLU
- atm_fee_pct
- 2.5%
- atm_limit
- Soglia ATM elevata, poi 2,5%
- PLU staking
- 2,000 PLU
- +1% bonus
Veteran (stake)
- Price
- €8
- Cashback
- 6%
- cashback_valuta_reward
- PLU
- atm_fee_pct
- 2.5%
- atm_limit
- Soglia ATM elevata, poi 2,5%
- PLU staking
- 4,000 PLU
- +3% bonus
Legend/G.O.A.T. (stake)
- Price
- €8
- Cashback
- 9%
- cashback_valuta_reward
- PLU
- atm_fee_pct
- 2.5%
- atm_limit
- Soglia ATM elevata, poi 2,5%
- PLU staking
- 8,000 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
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
Verdict
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.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
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 Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).