Plutus Review 2026
3% crypto cashback + subscription perks — UK/EU only
FCA AuthorisedE-Money Institution
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BC
5.2
Plutus
3% crypto cashback + subscription perks — UK/EU onlyA clever perks model where active users can offset the monthly fee entirely, but PLU token volatility and UK/EEA-only access limit who should use it.
★ 2.8 Trustpilot
FCA AuthorisedE-Money Institution
Plutus: Pros & Cons
✓ Pros
- ✓ Active users can offset monthly fee with Spotify + Netflix + Amazon Prime rebates
- ✓ UK/EU IBAN — real banking integration
- ✓ FCA authorised e-money institution
- ✓ 3% cashback in crypto on all card spending
- ✓ Founded 2015 — long track record in EU market
✗ Cons
- ✗ PLU token price volatility — cashback real value fluctuates
- ✗ UK/EEA only — unavailable globally
- ✗ 2.8/5 Trustpilot — below average support
- ✗ PLU is the only crypto asset supported
- ✗ Monthly fee required for meaningful cashback (3% needs Everyday plan at £9.99/mo)
Our Score Breakdown
5.2 / 10
Regulatory Safety 20% 6
Yield / Earn Rates 15% 3
Banking & Fiat 13% 7
Debit Card 12% 7
Fees 12% 6
Coin Selection 10% 1
User Experience 10% 7
Customer Support 8% 4
Scores are weighted composites across 8 criteria. See full methodology →
At a Glance
Max APY
—
Coins
1
Trustpilot
2.8/5
Founded
2015
FDIC Insured
No
MiCA Compliant
No
IBAN Account
Yes
Debit Card
Yes
Key Features
- ▸ Visa debit card with up to 3% PLU token cashback
- ▸ Perks program (Spotify, Netflix, Amazon Prime rebates)
- ▸ PLU token staking for additional rewards
- ▸ UK and EU IBAN account
- ▸ Subscription perks can fully offset monthly fee
- ▸ Fiat and crypto exchange in-app
Pricing & Plans
Starter Free
1% PLU cashback; 1 perk slot
Everyday £9.99/mo
3% PLU cashback; 3 perk slots (Spotify, Netflix, etc.)
Premium £14.99/mo
3% cashback; 4 perks + higher PLU staking
Ultimate £19.99/mo
3% cashback; 6 perks; metal card
Regulatory Status
FCA authorised e-money institution (UK)
FCA AuthorisedE-Money Institution
Frequently Asked Questions
Is Plutus safe? +
Plutus has a regulatory status of: FCA authorised e-money institution (UK). Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Plutus? +
Plutus does not offer a traditional yield/APY product. 3% cashback in PLU tokens on card spending
Where is Plutus available? +
Plutus is available in: EU, UK. Markets served: United Kingdom, EEA countries.
Does Plutus have a debit card? +
Yes. Plutus offers a debit card. Visa debit card with up to 3% PLU token cashback
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