{"id":195096,"date":"2019-05-17T15:45:31","date_gmt":"2019-05-17T14:45:31","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=195096"},"modified":"2024-06-26T09:34:25","modified_gmt":"2024-06-26T08:34:25","slug":"plutus-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/cryptocurrency\/plutus-review","title":{"rendered":"Plutus card review 2026"},"content":{"rendered":"<div id=\"ukfcyfixeddisclaimer\" class=\"visible no-margin-top\" data-template=\"masthead-two-columns\">\n<div id=\"ukfcyfixeddisclaimerbody\" class=\"text-center fin-text-white\" data-nosnippet><strong>Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. <u id=\"ukfcydscmdl\" onclick=\"ukfcyshowmodal();\">Take 2 mins to learn more<\/u>.<\/strong><\/div>\n<\/div>\n<style>\n@media (max-width: 767px) { .fixeddisclaimerbody { letter-spacing: -0.4px; } }\n@media (min-width: 1350px) { #page, #side-nav-container { padding-top: 24px !important; } .gn svg.w-\\[16px\\].h-\\[9px\\] { margin-top: 24px !important; } }\n@media (max-width: 1349px) and (min-width: 701px) { #page, #side-nav-container { padding-top: 48px !important; } .gn svg.w-\\[16px\\].h-\\[9px\\] { margin-top: 48px !important; } }\n@media (max-width: 700px) and (min-width: 481px) { #page, #side-nav-container { padding-top: 68px !important; } }\n@media (max-width: 480px) and (min-width: 381px) { #page, #side-nav-container { padding-top: 86px !important; } }\n@media (max-width: 380px) { #page, #side-nav-container { padding-top: 102px !important; } }\n#ukfcyfixeddisclaimer { top: 0; left: 0; position: fixed; right: 0; width: 100%; z-index: 40001; text-align: center; }\n#ukfcyfixeddisclaimerbody { line-height: 1.2; background-color: #6c7881; overflow: hidden; letter-spacing: -0.2px; padding: 4px 3px 5px 3px; }\n#ukfcymodal { z-index: 40002; }\n#ukfcymodalclosereal { z-index: 40003; position: fixed; left: 0; right: 0; top: 0; bottom: 0; }\n#modal-content { z-index: 40004; }\n.gn .nav-slideout--active { top: auto !important; }\n.gn .fixed { position: static !important; }\n#ukfcydscmdl { cursor: pointer; }\n<\/style>\n\n\n<div class=\"docsModal\">\n<section class=\"luna-modal\" aria-hidden=\"false\" role=\"dialog\" id=\"ukfcymodal\" aria-labelledby=\"modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\">\n<div class=\"luna-modal__content\">\n<button id=\"ukfcymodalclose\" class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\">\n<svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#close\"><\/use><\/svg>\n<\/button>\n<div id=\"ukfcymodalclosereal\"><\/div>\n<div class=\"luna-modal__body\" id=\"modal-content\">\n<div class=\"luna-modal__wrapper\">\n\n<p><strong>Estimated reading time: 2 min<\/strong><\/p>\n\n<p>Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.<\/p>\n\n<h4 id=\"modal-heading\">What are the key risks?<\/h4>\n\n<p>1. You could lose all the money you invest<\/p>\n\n<ul> \n<li>The performance of most cryptoassets can be highly volatile, with their value dropping as quickly as it can rise. You should be prepared to lose all the money you invest in cryptoassets.<\/li>\n<li>The cryptoasset market is largely unregulated. There is a risk of losing money or any cryptoassets you purchase due to risks such as cyber-attacks, financial crime and firm failure.<\/li>\n<\/ul>\n\n<p>2. You should not expect to be protected if something goes wrong<\/p>\n\n<ul>\n<li>The Financial Services Compensation Scheme (FSCS) doesn't protect this type of investment because it's not a 'specified investment' under the UK regulatory regime \u2013 in other words, this type of investment isn't recognised as the sort of investment that the FSCS can protect. Learn more by using the FSCS <a href=\"https:\/\/www.fscs.org.uk\/check\/investmentprotection-checker\">investment protection checker<\/a>.<\/li>\n<li>The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm or Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. Learn more about FOS protection <a href=\"https:\/\/www.financialombudsman.org.uk\/consumers\">here<\/a>.<\/li>\n<\/ul>\n\n<p>3. You may not be able to sell your investment when you want to<\/p>\n\n<ul>\n<li>There is no guarantee that investments in cryptoassets can be easily sold at any given time. The ability to sell a cryptoasset depends on various factors, including the supply and demand in the market at that time.<\/li>\n<li>Operational failings such as technology outages, cyber-attacks and comingling of funds could cause unwanted delay and you may be unable to sell your cryptoassets at the time you want.<\/li>\n<\/ul>\n\n<p>4. Cryptoasset investments can be complex<\/p>\n\n<ul>\n<li>Investments in cryptoassets can be complex, making it difficult to understand the risks associated with the investment.<\/li>\n<li>You should do your own research before investing. If something sounds too good to be true, it probably is.<\/li>\n<\/ul>\n\n<p>5. Don't put all your eggs in one basket<\/p>\n\n<ul>\n<li>Putting all your money into a single type of investment is risky. Spreading your money across different investments makes you less dependent on any one to do well.<\/li>\n<li>A good rule of thumb is not to invest more than 10% of your money in high-risk investments.<\/li>\n<\/ul>\n\n<p>If you are interested in learning more about how to protect yourself, visit the FCA's website <a href=\"https:\/\/www.fca.org.uk\/investsmart\">here<\/a>.<\/p>\n\n<p>For further information about cryptoassets, visit the FCA's website <a href=\"https:\/\/www.fca.org.uk\/investsmart\/crypto-basics\">here<\/a>.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n\n\n<script>\nfunction ukfcyshowmodal() {\nvar infomodal = document.getElementById(\"ukfcymodal\");\ninfomodal.classList.add('is-visible');\ninfomodal.setAttribute(\"aria-hidden\", \"false\");\ndocument.getElementById(\"ukfcymodalclosereal\").addEventListener('click',function()\n{\nvar infomodal = document.getElementById(\"ukfcymodal\");\ninfomodal.classList.remove('is-visible');\ninfomodal.setAttribute(\"aria-hidden\", \"true\");\n});\n};\n<\/script><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Crypto is unregulated in the UK; there's no consumer protection; value can rise or fall; tax on profits may apply*.<\/div><\/article><h3>Overview of Plutus<\/h3><p>Plutus was created to help people integrate cryptocurrencies into their everyday life. Part banking app, part cryptocurrency exchange \u2013 the idea was to encourage the practical day-to-day use of cryptocurrencies. Plutus has had to put a pause on its decentralised exchange in the UK as a result of FCA regulations, but UK users are still able to take advantage of its crypto reward debit card.<\/p><p>One of the few on the market, the Plutus Visa card gives you crypto rewards on your everyday spending. Depending on which subscription plan you choose and how much you are willing to stake, this could be as much as 8%. So while you can\u2019t trade your cryptocurrency or link your personal crypto wallet to your Plutus card at the time of writing, you can start to earn yourself some rewards from your daily coffee run or a trip to the cinema.<\/p><ul><li><strong>If this is your first exchange.<\/strong> You will be limited in what you can do, as Plutus doesn\u2019t currently support trading for UK users. Instead, you can earn crypto rewards using your Plutus debit card.<\/li><li><strong>If you\u2019re switching exchanges.<\/strong> With not many other crypto reward debit cards around, Plutus will give you the opportunity to earn PLU through your everyday spending.<\/li><\/ul><h3>What to know about Plutus<\/h3><p>For UK users, Plutus is solely offering a crypto debit card. So if you are wanting to trade or convert your crypto to fiat, you will be sorely disappointed. However, if it\u2019s the reward you are after, then you are in the right place. All cardholders can earn 3% cashback paid in crypto rewards.<\/p><p>Just note that these rewards are paid in Plutus\u2019 native token, Pluton (PLU). This means the current market price will dictate how much your rewards are actually worth. It\u2019s also worth paying attention to the fact there is a monthly cap on PLU conversion due to relatively low levels of liquidity on the platform. Users can swap a maximum of \u00a3750 worth of PLU per month, with a daily limit of \u00a330.<\/p><h4>Finder ratings<\/h4><table class=\"luna-table luna-table\u2013responsiveList\" width=\"335\" height=\"311\"><tbody class=\"luna-table__body\"><tr><th><a href=\"#supported\">Supported cryptocurrencies<\/a><\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th><a href=\"#transfer\">Transferring money or assets<\/a><\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th><a href=\"#fees\">Fees and costs<\/a><\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th><a href=\"#ease\">Ease of use<\/a><\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th><a href=\"#customer\">Customer service<\/a><\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th>Features<\/th><td><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th><a href=\"#earning\">Staking\/earn rating?<\/a><\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th><a href=\"#trust\">Trustworthiness\/security<\/a><\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><tr><th>Overall score<\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><img decoding=\"async\" class=\"alignnone wp-image-726929\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png\" alt=\"checkmark\" height=\"20\" width=\"20\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/09\/star1-1.png?fit=60 60w\" sizes=\"(max-width: 60px) 100vw, 60px\" loading=\"lazy\"><\/td><\/tr><\/tbody><\/table><h4 id=\"supported\">Supported cryptocurrencies<\/h4><p>Plutus is limited in the number of cryptocurrencies its supports. These currently include Ethereum (ETH) and Pluton (PLU). But everything to do with rewards and staking is done with PLU.<\/p><h4 id=\"transfer\">Transferring fiat and cryptocurrency<\/h4><p>It\u2019s easy to make your first deposit with Plutus. When you sign up you are given a UK current account generated by e-wallet banking provider, Clear Junction. This includes a UK sort code and account number, so in order to transfer money to your card, you simply need to make a payment from another UK bank account. Just be aware that the name on both accounts will need to match for the payment to be successful.<\/p><p>Withdrawing fiat or cryptocurrency is a little more involved. You can withdraw fiat funds from your Plutus current account to any of your accounts worldwide. This can take a few hours or a couple of days. If you want to withdraw your PLU rewards, you can do this by sending them to your personal external PLU wallet. At present, there is no option for UK users to convert PLU to fiat through Plutus.<\/p><h4 id=\"fees\">Fees and costs<\/h4><p>The good news is that it costs nothing to make a deposit or order a card. However, you will just be asked to transfer \u00a320 to your account so that you have something to get started with when your card arrives. It\u2019s also free to use the card when spending in the UK, but keep in mind there are fees attached to spending abroad or if you have a transaction declined.<\/p><p>Plutus has a subscription plan model in place which will determine the other fees and costs you will need to pay. Its Starter plan is free, but there are fees attached to making withdrawals. So expect to pay \u00a35.50 (per withdrawal) to take out your fiat. If you opt for the Premium plan, which is \u00a314.99 a month, you can avoid this fee. However, all three of the plans charge a \u00a315 PLU withdrawal fee.<\/p><h5>Fiat withdraw and deposit fees<\/h5><table class=\"luna-table\"><tbody class=\"luna-table__body\"><tr><th>Deposit<\/th><td>\u00a30<\/td><\/tr><tr><th>Withdrawal<\/th><td>\u00a35.50 per withdrawal (Starter plan)<\/td><\/tr><\/tbody><\/table><h5>Crypto withdraw and deposit fees<\/h5><table class=\"luna-table\"><tbody class=\"luna-table__body\"><tr><th>Deposit<\/th><td>\u00a30<\/td><\/tr><tr><th>Withdrawal<\/th><td>\u00a315 PLU withdrawal fee<\/td><\/tr><\/tbody><\/table><h3>What is the Plutus Card?<\/h3><p>The Plutus Card lets you spend your fiat currency anywhere and earn PLU along the way. All card users can earn 3% in Crypto Rewards, paid to them in PLU. If you want to up the amount of cashback you can earn, then you can look into staking your PLU to unlock more rewards. For example, if you stake 2,000 PLU you can earn 8% in Crypto Rewards and qualify for 8 Plutus Perks.<\/p><p>It\u2019s easy to upload GBP to your card and get spending. Just note though that your card will take 12 to 17 days to be delivered.<\/p><p>Most transactions in the UK are free. However, you could be charged fees for withdrawing money from an ATM or using the card abroad. There is also a maximum card account balance and weekly and monthly spending limits, depending on which subscription plan you are on.<\/p><p>At present, you can\u2019t convert your crypto into a spendable card balance if you are a UK user. But this feature is available in Europe, so could come back to the UK depending on the regulatory environment at the time.<\/p><h4>Pluton (PLU)<\/h4><p>Be warned, dealing with PLU is not for crypto newbies. If you have earned some PLU rewards on your debit card, you may be wondering what you can do with them. Especially as the option of using PlutusDEX is not available to UK users.<\/p><p>So it\u2019s important to understand that PLU is not widely available. In fact, there are only a limited number of exchanges that allow you to buy PLU to stake \u2013 Coinbase being the major one. There is very little trading volume of PLU. And given the complexity of trying to withdraw PLU rewards, the Plutus Card does not actually give you the easy cashback reward that you may think.<\/p><h4>Withdrawing your PLU rewards<\/h4><p>If you want to withdraw your PLU rewards, you will need to create a MetaMask wallet. This is a browser-based cryptocurrency wallet which you can use on Chrome, Firefox, Opera and Brave browsers. Once you have installed the browser extension, you can create your wallet. You will need to create a password and view and store your secret backup phase.<\/p><p>Once your MetaMask wallet is set up you will be able to send, receive and store ETH and ERC-20 tokens (including PLU).<\/p><h3>What are the staking rewards?<\/h3><p>Plutus gives you the opportunity to stake PLU (its native token) to unlock additional benefits such as higher cashback and more perks.<\/p><p>It has 4 different staking levels:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th><\/th><th>Hero<\/th><th>Veteran<\/th><th>Legend<\/th><th>G.O.A.T<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Stake<\/th><td>250 PLU<\/td><td>500 PLU<\/td><td>1,000 PLU<\/td><td>2,000 PLU<\/td><\/tr><tr><th>Reward<\/th><td>4%<\/td><td>5%<\/td><td>6%<\/td><td>8%<\/td><\/tr><tr><th>Perks<\/th><td>4 Perks &amp; NFT<\/td><td>5 Perks &amp; NFT<\/td><td>6 Perks &amp; NFT<\/td><td>8 Perks &amp; NFT<\/td><\/tr><\/tbody><\/table><p>So the more you stake, the more Crypto Rewards you will receive and the more perks you qualify for. Plutus is also launching a service which will see customers get a new NFT every 60 days, but it\u2019s not available just yet.<\/p><h4 id=\"earning\">How to stake PLU<\/h4><p>You will first need to purchase some PLU, which as mentioned above, isn\u2019t all that simple. Coinbase and only a small number of other platforms sell it. You will then need to add this to an external wallet that can be connected to Plutus.<\/p><p>Once you have done this, your stake is then calculated as the sum of your internal PLU rewards as well as the PLU balance on any connected wallets (external PLU that you have bought).<\/p><h4>Plutus Perks<\/h4><p>You can choose between Subscription Perks or Retail Perks. There is also complete flexibility, so if you change your mind, you can change your selected perk at any time.<\/p><h5>Subcription Perks<\/h5><p>Here you receive a 100% rebate in PLU (up to \u00a310). The rebate applies to 1 plan purchase per month. Subscription services include:<\/p><ul><li>Netflix<\/li><li>Spotify<\/li><li>Apple One<\/li><li>Disney+<\/li><li>Amazon Prime<\/li><li>Deliveroo Plus<\/li><\/ul><h5>Retail Perks<\/h5><p>With the store credit based perks provided by Plutus, you can receive up to a \u00a310 rebate in PLU when shopping at any of the following retailers:<\/p><ul><li>Apple<\/li><li>ASOS<\/li><li>eBay<\/li><li>Uber Eats<\/li><li>Just Eat<\/li><li>Starbucks<\/li><li>Uber<\/li><li>Shell<\/li><li>Booking.com<\/li><li>Airbnb<\/li><li>Aldi<\/li><li>Sainsbury\u2019s<\/li><li>Lidl<\/li><li>Tesco<\/li><\/ul><h3>Plutus subscription tiers<\/h3><p>What subscription plan you sign up for with Plutus will determine how many rewards you can earn and what perks you receive. It will also impact what withdrawal fees you will need to pay, and \u2013 if the exchange platform was ever relaunched in the UK \u2013 what trading fee you would be charged.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th><\/th><th>Starter<\/th><th>Everyday<\/th><th>Premium<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Cost<\/th><td>\u00a30 per month<\/td><td>\u00a34.99 per month<\/td><td>\u00a314.99 per month<\/td><\/tr><tr><th>Reward<\/th><td>3% Crypto Rewards* on up to \u00a3250 per month spend<\/td><td>3% Crypto Rewards* on up to \u00a32,000 per month spend<\/td><td>3% Crypto Rewards* on up to \u00a322,500 per month spend<\/td><\/tr><tr><th>Plutus Perks<\/th><td>1<\/td><td>2<\/td><td>3<\/td><\/tr><\/tbody><\/table><p><small>All Crypto Rewards are paid out in PLU.<\/small><\/p><h3>Plutus Card vs Crypto.com Visa Card<\/h3><p>Up until recently, Crypto.com\u2019s Visa card was one of the most popular crypto-linked card programmes. However, Crypto.com has dramatically reduced the amount of rewards cardholders can earn from their purchases. It has also added a monthly CRO card rewards cap and is going to phase out its CRO staking rewards. So let\u2019s see how the Crypto.com card and Plutus card stack up next to each other.<\/p><p>The Plutus Card and Crypto.com Card operate slightly differently. Crypto.com has 5 different tiers each providing you with a different host of benefits. To apply for any of the card tiers, you\u2019ll first need to purchase and hold Cronos (CRO) \u2013 Crypto.com\u2019s native token \u2013 for 180 days first. What card tier you have will determine how much you need to stake and what benefits you will receive.<\/p><p>With the Plutus Card, there is no staking requirement in order to take out the card. Plutus does have three different subscription plans, but all of these give you 3% Crypto Rewards on your spending. The main difference is how much of your spend will qualify for cashback a month and how many perks you will be able to take advantage of.<\/p><h4>Crypto Reward<\/h4><p>To make it easier to understand, we have done a side by side comparison of Plutus and Crypto.com\u2019s middling tier cards\/subscription plans.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th><\/th><th>Required Stake\/Monthly subscription cost<\/th><th>Crypto reward<\/th><th>Monthly cap<\/th><th>Perks<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Plutus Everyday Plan<\/th><td>\u00a34.99 per month<\/td><td>3%<\/td><td>Rewards on up to \u00a32,000 a month spend<\/td><td>2 Perks<\/td><\/tr><tr><th>Crypto.com Royal Indigo\/Jade Green<\/th><td>Stake \u00a33,000 in CRO<\/td><td>0% No stake<br>1.5% Active stake<\/td><td>$50<\/td><td>100% rebate on Spotify and Netflix<\/td><\/tr><\/tbody><\/table><h4>Perks<\/h4><p>Both Plutus and Crypto.com offer rebates as part of the perks of having one of their cards. It\u2019s important to note that rebates will be paid in the app\u2019s native tokens \u2013 so PLU and CRO respectively.<\/p><p>In terms of what is on offer, Plutus has a greater range of subscription services and retailers under its perks plan. The big names of Spotify, Netflix and Prime are covered by both Plutus and Crypto.com, but Plutus goes one step further to include Apple One, Disney+ and Deliveroo Plus.<\/p><p>Plutus also has a lower threshold for customers to start earning rewards. Users on its Starter subscription plan get one subscription or retail perk, whereas Crypto.com does not do this for its lowest tier card. Instead, customers need to stake \u00a3300 of CRO in order to qualify for a Spotify subscription reimbursement.<\/p><h4>What is it like to use Plutus?<\/h4><p>Signing up and ordering your card is a seamless process.<\/p><h5>Getting started<\/h5><p>Account registration is all done through the app and is clear and simple.<\/p><p><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusSignOn_Supplied_147x320.png\" alt=\"Plutus Sign On\" width=\"147\" height=\"320\" class=\"size-full wp-image-449699 aligncenter\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusSignOn_Supplied_147x320.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusSignOn_Supplied_147x320.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusSignOn_Supplied_147x320.png?fit=441 441w\" sizes=\"(max-width: 441px) 100vw, 441px\" loading=\"lazy\"><\/p><h5>Identity verification<\/h5><p>Getting your ID verified is slick and fast, with approval in minutes.<\/p><p><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage2_Supplied_739x1600.png\" alt=\"Plutus Image 2\" width=\"739\" height=\"1600\" class=\"size-full wp-image-449701 aligncenter\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage2_Supplied_739x1600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage2_Supplied_739x1600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage2_Supplied_739x1600.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage2_Supplied_739x1600.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage2_Supplied_739x1600.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage2_Supplied_739x1600.png?fit=2217 2217w\" sizes=\"(max-width: 2217px) 100vw, 2217px\" loading=\"lazy\"><\/p><h5>Mobile app<\/h5><p>Look at your reward history or select your perks through Plutus\u2019 mobile app<\/p><p><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage3_Supplied_739x1600.png\" alt=\"Plutus Image 3\" width=\"739\" height=\"1600\" class=\"size-full wp-image-449703 aligncenter\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage3_Supplied_739x1600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage3_Supplied_739x1600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage3_Supplied_739x1600.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage3_Supplied_739x1600.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage3_Supplied_739x1600.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage3_Supplied_739x1600.png?fit=2217 2217w\" sizes=\"(max-width: 2217px) 100vw, 2217px\" loading=\"lazy\"><\/p><h5>Visa card<\/h5><p>Use your card for everyday spending and earn crypto rewards.<\/p><p><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage4_Supplied_1118x1190.png\" alt=\"Plutus Image 4\" width=\"1118\" height=\"1190\" class=\"size-full wp-image-449704 aligncenter\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage4_Supplied_1118x1190.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage4_Supplied_1118x1190.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage4_Supplied_1118x1190.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage4_Supplied_1118x1190.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage4_Supplied_1118x1190.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/PlutusImage4_Supplied_1118x1190.png?fit=3354 3354w\" sizes=\"(max-width: 3354px) 100vw, 3354px\" loading=\"lazy\"><\/p><h4 id=\"customer\">Does Plutus have good customer support?<\/h4><p>Plutus has a customer support team that can be contacted via email, webform or live chat. Trustpilot reviews talk of staff being friendly and helpful, with a quick response time. <\/p><p>However, Plutus says that to solve general questions about its service, the fastest way is to contact other users. You can do this through Twitter, Discord, Telegram or Reddit. It also has an FAQ section on its site to help with any general questions.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">Support offered<\/th><th scope=\"col\">Wait times<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Contact us form<\/th><td data-title=\"Heading 2\"><img decoding=\"async\" class=\"alignleft size-full wp-image-1810936\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2019\/05\/Checked_Supplied_24x24.png\" alt=\"Check icon\" width=\"24\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2019\/05\/Checked_Supplied_24x24.png?fit=72 72w\" sizes=\"(max-width: 72px) 100vw, 72px\" loading=\"lazy\"><\/td><td data-title=\"Heading 3\">Same day<\/td><\/tr><tr><th>Live chat<\/th><td><img decoding=\"async\" class=\"alignleft size-full wp-image-1810936\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2019\/05\/Checked_Supplied_24x24.png\" alt=\"Check icon\" width=\"24\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2019\/05\/Checked_Supplied_24x24.png?fit=72 72w\" sizes=\"(max-width: 72px) 100vw, 72px\" loading=\"lazy\"><\/td><td>Instant<\/td><\/tr><tr><th>Email support<\/th><td><img decoding=\"async\" class=\"alignleft size-full wp-image-1810936\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2019\/05\/Checked_Supplied_24x24.png\" alt=\"Check icon\" width=\"24\" height=\"24\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2019\/05\/Checked_Supplied_24x24.png?fit=72 72w\" sizes=\"(max-width: 72px) 100vw, 72px\" loading=\"lazy\"><\/td><td>Same day<\/td><\/tr><\/tbody><\/table><h4>List of services on Plutus<\/h4><p>Due to the fact that Plutus suspended its decentralised exchange facility for UK users, the only services available are its Visa debit card and staking to access Plutus Perks.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Earning on Plutus<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Plutus gives you the opportunity to stake PLU (its native token) to unlock additional benefits such as higher cashback and more perks. It has 4 different staking levels: Hero (250 PLU), Veteran (500 PLU), Legend (1,000 PLU) and G.O.A.T (2,000 PLU). The more you stake, the more you stand to receive. So if you a \u201cHero\u201d you get 4% Rewards and 4 perks, as well as a new NFT every 60 days (when this service launches). But if you are a \u201cG.O.A.T\u201d, you get 8% Rewards, 8 perks and a new NFT every 60 days.<\/p><p>Plutus Perks include a 100% rebate in PLU for subscription services such as Netflix, Spotify and DisneyPlus. Alternatively, you can receive up to a \u00a310 rebate in PLU on retail-based perks from the likes of Tesco, Asos and booking.com.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Visa Debit Card on Plutus<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The Plutus Card lets you spend your fiat currency anywhere and earn PLU along the way. All card users can earn 3% in Crypto Rewards, paid to them in PLU. If you want to up the amount of cashback you can earn, then you can look into staking your PLU to unlock more rewards.<\/p><p>It\u2019s easy to upload GBP to your card and get spending. Most transactions in the UK are free. Just be aware that you could be charged fees for withdrawing money from an ATM or using the card abroad. There is also a maximum card account balance and weekly and monthly spending limits, depending on which subscription plan you are on.<\/p><p>At present, you can\u2019t convert your crypto into a spendable card balance if you are a UK user. However, this feature is available in Europe, so could come back to the UK depending on the regulatory environment at the time.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"trust\">Trust rating<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Past Hacks<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Plutus has not had any hacks. It operates as a non-custodial service, so it doesn\u2019t actually store any cryptocurrencies.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Security audits<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Since 2018, Plutus has run a bounty programme which allows ethical hackers and cybersecurity experts from all around the world to test its systems and report any bugs in its products. If they find a qualifying bug, they can earn up to $500 equivalent paid out in PLU. Plutus also insists that users set up 2-factor authentication in order to keep their accounts safe.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Insurance<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Plutus does not have any insurance in place as it does not hold onto any cryptocurrencies as it is a non-custodial service.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>Signing up on Plutus<\/h3><p>Go through a step-by-step guide on the sign up process, and how to pass KYC.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Step 1: Download the app<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The only way to create your account with Plutus is through the mobile app.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Step 2: Enter email address<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You first need to enter your email address and create a password.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Step 3: Verify your email address<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You will need to confirm your email address before moving forwards. You just need to click on the \u201cVerify email\u201d link and you will be taken back to the app.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Step 4: Input personal details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The next stage is to provide your personal information including your name, country, nationality, phone number, DOB, tax residency and occupation.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Step 5: Submit a photo of your ID<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You will need to have your identity verified before you can order your card. To do this, you will need to take a picture of your ID using the app.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Step 6: Submit a selfie<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The next step is to take a selfie. Line your face up in the oval frame screen and take the photo.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">Step 7: Wait for verification<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This is super speedy. Once your photos have been uploaded it only takes a couple of minutes for your account to be approved.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">Step 8: Order card<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You will then be taken to a page to order your card. It is worth noting that you will need to make an initial deposit of \u00a320 in order to apply for the card. The app will give you your new Plutus current account details, which you will need to transfer the payment across.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">Step 9: Select plan<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Choose the subscription plan that suits you best. These range from the starter plan which is free, up to the Premium plan at \u00a314.99 a month.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">Step 10: Set up 2FA<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You will need to set up two-factor authentication. Plutus uses Authy as its authentication app. So you will need to download this and follow the instructions in your Plutus app. Once you have set this up you will be able to view your balance and your card should be with you in 12 to 17 days.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n\n\n<h3>Customer service information for Plutus<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p class=\"has-margin-bottom-xsmall\">*Cryptocurrencies aren't regulated in the UK and there's no protection from the Financial Ombudsman or the Financial Services Compensation Scheme. Your capital is at risk. Capital gains tax on profits may apply.<\/p><p>Cryptocurrencies are speculative and investing in them involves significant risks - they're highly volatile, vulnerable to hacking and sensitive to secondary activity. The value of investments can fall as well as rise and you may get back less than you invested. Past performance is no guarantee of future results. This content shouldn't be interpreted as a recommendation to invest. Before you invest, you should get advice and decide whether the potential return outweighs the risks. Finder, or the author, may have holdings in the cryptocurrencies discussed.<\/p><\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Earn crypto cashback and perks when using the Plutus crypto debit card for your everyday spending &#8211; just be aware UK users can\u2019t trade on the exchange.<\/p>\n","protected":false},"author":1329,"featured_media":449628,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2153],"tags":[],"asset_tag":[],"class_list":["post-195096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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