Plutus
Perk-stacking rewards card.
The facts
| Category | hybrid |
| HQ | London, UK |
| Founded | 2015 |
| Custody | Custodial |
| Regulation type | Self-custodial software |
| License detail | E-money card via Modulr (FCA EMI; Lithuanian EMI for EEA); PLU rewards self-custodial |
| Card | Visa · Debit |
| Cashback | Up to 8% PLU |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Services | crypto on-ramp · crypto off-ramp · fiat pay-in (bank rails) · fiat pay-out (bank rails) · own IBAN / account no. · multi-currency hold · virtual cards · crypto-settled card |
Verified links: official site ↗
Common questions about Plutus
What is Plutus?
Plutus is a fiat-and-crypto neobank, headquartered in London, UK and founded in 2015. Your money is held custodially, so Plutus or its partner bank holds the balance and you hold a claim on it. It is software rather than a licensed institution (E-money card via Modulr (FCA EMI; Lithuanian EMI for EEA); PLU rewards self-custodial).
Does Plutus have a card, and where can you use it?
It issues a Visa debit card. It is available in Europe.
Does Plutus require KYC?
Yes. Plutus requires identity verification (KYC) to open an account, as a self-custodial software.
What does Plutus cost?
From the verified fields: cashback Up to 8% PLU. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Plutus before relying on them.
Head-to-head
Peers
Revolut · Crypto.com · Binance Card · Bybit Card · OKX Card · Bitget Card
Plutus appears in
Neobanks that never hold your money (53) · Neobanks available in Europe (144) · Neobanks that issue a Visa card (182) · Neobanks in United Kingdom (29)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.