Plutus
Modulr · UK & EEA · personal
UK & EEA rewards Visa card offering 3%–9% PLU back and 50+ merchant Perks like Netflix, Aldi & Spotify
Is Plutus worth it?
Plutus is a UK and EEA Visa debit card issued by Modulr that pairs a fiat account with non-custodial PLU reward stacking. Users earn 3% to 9% back in PLU plus up to £10/€10 back per month each at up to 50+ mainstream retailers and subscriptions (Netflix, Spotify, Amazon, Aldi, Lidl, Tesco).
Pros
- 3% to 9% rewards plus £10/mo rebates at 50+ everyday merchants (Aldi, Tesco, Netflix)
- PLU stacking stays in your own external self-custodial wallet
- Personal UK Sort Code or EUR IBAN via Modulr
Cons
- Requires paid monthly subscription (£6.99–£19.99/mo)
- Frequent tokenomics updates and PLU payout emission rules
- No ATM cash withdrawals
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 0%
- 0% fee on UK Faster Payments and EUR SEPA top-ups
- FX fee
- 0%
- 0% Plutus FX fee on domestic currency (plan-dependent FX limits)
- ATM fee
- 0%
- ATM withdrawals not supported on Modulr Visa cards
- Max daily spend
- $10,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- No ATM access
- ATM withdrawals not supported on Modulr Visa cards
- KYC
- Full KYC
- Full KYC (UK or EEA resident)
- Custody
- Hybrid
- Issuer holds funds on your behalf
- Card network
- Visa
- prepaid card · issued by Modulr
Related crypto cards
Other Plutus cards, each priced on its own. Fees, cashback and perks differ per card.
Supported crypto & networks
Where is Plutus available?
Show all 29 supported countries
Availability lists change frequently. Confirm eligibility with Modulr before applying.
Plutus — common questions
Is Plutus available in United States?+
United States is not on Plutus's published availability list. The card is currently offered in UK & EEA; availability can change, so confirm with Modulr before applying.
What fees does Plutus charge?+
Plutus has no issuance fee, no annual fee, a 0% crypto top-up fee and a 0% FX fee. ATM withdrawals cost 0%. 0% Plutus FX fee on domestic currency (plan-dependent FX limits)
Does Plutus support Apple Pay and Google Pay?+
Plutus supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Plutus self-custody?+
Plutus uses a hybrid model. Modulr holds the funds used for spending, which introduces counterparty risk but simplifies onboarding and recovery.
How does Plutus cashback work?+
Plutus offers 3%–9% cashback. Rewards are paid in PLU. Staking requirement: Subscription plans (£6.99–£19.99/mo) + optional PLU stacking inside connected self-custody wallet (1–9+ Reward Levels). Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.