Plutus

Plutus is a UK-based rewards debit card with crypto top-up, founded in 2015 as the first rewards card of its kind. Top up with crypto (BTC, ETH, USDT, USDC and more), let Plutus swap to GBP or EUR, and spend anywhere Visa is accepted — at 60M+ merchants worldwide, in person or online — earning Plutus Rewards points (3% back) and a free Perk each month.

Card products

• Virtual Card: free, issued instantly with a 14-day free trial. For online and Apple Pay / Google Pay contactless spend.
• Physical Debit Card: Chip & PIN + Contactless, usable at 60M+ merchants worldwide via Visa. Standard physical card issuance fees apply.
• Metal Card: premium physical tier — availability per the official Metal Card Availability help article.

Visa network — global acceptance

Your Plutus Debit Card acts just like a regular VISA debit card. Spend at more than 60 million merchants worldwide that support Chip and PIN or Contactless payments — in person and online.

Rewards & Perks

• Earn Plutus Rewards points on every qualifying spend — currently 3% back (per the official /about page banner).
• One free Perk each month — subscription / service rebates like Spotify, Netflix, Uber and more.
• Reward Levels unlock higher cashback rates and more Perks (see the official Plutus Help Center Reward Levels page).
• Since 2015, Plutus Card holders have spent nearly £1 billion and earned over £20 million in rewards — a proven rewards track record.

Security & custody

• Funds are securely held in segregated accounts at the Bank of England.
• Self-custody ethos — assets stay in your hands, never pooled.
• International compliance-first since 2015.

Customer care

• 24-hour response and resolution commitment.
• iOS and Android apps — 'Plutus — Bank on Crypto' on the App Store and Google Play.

Regulatory status

Plutus is not a bank. Founded by Danial Daychopan in 2015, headquartered in London with a remote compliance office in Lithuania. The team brings a combined 40+ years of experience in payments, financial trade and software development. Cards are issued on the Visa network.

For whom

Plutus is built for UK and EEA residents who want a rewarding everyday debit card funded by crypto — turn BTC, ETH, USDT or USDC into GBP / EUR for everyday spending, with bonus rewards on top via Plutus Rewards points and monthly Perks.

Plutus has been running since 2015 and sells rewards rather than fee-free spending: three tiers, crypto top-up and cashback on the paid plans. The Nexo Card takes a similar rewards-first approach with its dual credit and debit modes, while the Zeal Card pays in GNO from a self-custody wallet. Compare the tier costs in our Best Crypto Cards directory.

On a mission to make spending rewarding for everyone

• Founded 2015 — launched the first rewards card of its kind.
• Not a bank, just built for you — rewards debit card with crypto top-up.
• Since 2015: nearly £1 billion spent on Plutus cards and over £20 million earned in rewards.

Card products

• Virtual Card: free, issued instantly — start spending within minutes, with a 14-day free trial of all features.
• Physical Debit Card: Chip & PIN + Contactless — spend at 60M+ merchants worldwide wherever Visa is accepted. Standard physical card issuance fees apply.
• Metal Card: premium physical tier — availability per the official Metal Card Availability help article.

Visa network — global acceptance

• Your Plutus Debit Card acts just like a regular VISA debit card.
• Spend at 60M+ merchants worldwide supporting Chip & PIN or Contactless, in person or online.

Rewards & Perks

• Earn Plutus Rewards points — currently 3% back per the official /about banner.
• One free Perk per month — popular subscription / service rebates (Spotify, Netflix, Uber, etc.).
• Higer reward levels unlock higher cashback rates and additional Perks (see the Plutus Reward Levels help page).

Security & custody

• Funds are securely held in segregated accounts at the Bank of England.
• Self-custody ethos — assets stay in your hands, never pooled.
• International compliance-first since day one (since 2015).

Customer care

• 24-hour response and resolution commitment.
• iOS and Android apps — 'Bank on Crypto' on the App Store and Google Play.

Plutus is a top-up debit card — you fund your Plutus account with crypto, Plutus swaps it to GBP or EUR for you, and card spend draws from that GBP/EUR balance. Indirect crypto spend via in-app swap is supported.

Top-up assets (Crypto → GBP/EUR swap in-app)

• BTC — Bitcoin.
• ETH — Ethereum.
• USDT — Tether.
• USDC — Circle USD Coin.
• PLU — Plutus native token (Pluton).
• XRP, SOL, DOGE and more — see in-app swap list.

Direct spend from BTC, ETH or any other non-fiat asset is not the card's mechanism; spend is funded by GBP / EUR after top-up conversion.

Supported fiat (Card balance)

• GBP — British Pound, primary card-currency for UK residents.
• EUR — Euro, primary card-currency for EEA residents.
• Local currencies at the merchant auto-converted by Visa rails at payment time.

Headline fee positioning

• Card cost: Virtual Card is free (no signup cost, 14-day free trial). Standard physical card issuance fees apply for the Physical Debit Card. Metal Card pricing in-app.
• Cashback: 3% back in Plutus Rewards points (per the official /about banner) + 1 free Perk per month.
• Funds custody: Held in segregated accounts at the Bank of England.

Other fees (in-app 'Fees and Limits')

• The full fee schedule — issuance fee, monthly / annual maintenance fee, ATM withdrawal fee, FX fee, top-up fee, swap fee — is disclosed inside the Plutus app under 'Fees and Limits' (per the official Plutus Help Center article) rather than on the public /about page.
• Reward Level upgrades may carry a monthly subscription cost — see in-app for the current Reward Levels pricing.

ATM fees

• ATM withdrawals supported worldwide via Visa on the physical and Metal cards — fees vary by network and region; disclosed in the in-app 'Fees and Limits' page.
• Virtual Card is for online and contactless (Apple Pay / Google Pay) spend only — no ATM withdrawals.

FX / conversion

• Crypto-to-fiat (GBP / EUR) conversion happens at Plutus's swap rate at top-up time.
• Cross-currency card spend auto-converted by Visa rails at the card scheme's rate (less the disclosed FX markup, if any — see 'Fees and Limits' in-app).

Always check the live schedule

The authoritative fee schedule is published inside the Plutus app under 'Fees and Limits' — fees may vary by region and over time.