GetPlu review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
GetPlu suits people who want cashback on everyday spending and want to hold their own money. Rewards run at 3% to 9% on a debit card, the plan costs £6.99, and accounts use self custody so the balance stays with the customer.
Key facts
- Best for
- Everyday spenders who want cashback and control of their own balance.
- Currency conversion fee
- 2.5% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 3% back on daily purchases, up to 9% at higher loyalty tiers (Source, checked September 26, 2026)
- Perks
- 50+ merchant perks offering up to £10 in monthly rewards, Access to 70 million+ merchants (Source, checked September 26, 2026)
- Cashback rate
- 3% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Block Code Ltd (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Community (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- plutus.it
Debit cards
- Monthly fee
- £6.99 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.5% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Top-up fee
- Free fiat deposit (Source, checked September 26, 2026)
- Cashback rate
- 3% to 9% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Currencies
- 2 (Source, checked September 26, 2026)
- Custody
- Self custody (Source, checked September 26, 2026)
- Legal entity
- Block Code Ltd (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Community (Source, checked September 26, 2026)
- Features
- Rewards
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Rewards of 3% to 9% paid as cashback rather than points
- The card runs on no annual fee terms, with no annual charge listed
- Fiat deposits are Free fiat deposit
- Custody is self custody, so the account holder holds the balance
Cons
- The paid plan costs £6.99, against a €0 site median of €0
- Currency conversion costs 2.5%, above the 1% site median
- Support runs on help centre and community only, with no phone or live chat listed
Who it suits
- People who spend most of their income on card purchases and want cashback
- Anyone who prefers to hold the balance themselves rather than leave it with an institution
- Customers comfortable paying £6.99 for the higher rewards tiers
Who should look elsewhere
- Travellers who convert currency often, since conversion costs 2.5%
- Anyone unwilling to pay £6.99 for the paid plan
- People who want phone or live chat support, as channels are help centre and community
The company behind it
GetPlu is operated by Block Code Ltd, headquartered in the United Kingdom and running since 2015. It issues a credit card that works as debit for day to day payments, on the visa network. Contact options are help centre and community, so questions are answered in writing rather than by phone.
How GetPlu compares
8.5 vs 9.4
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 9.2
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8.5 vs 9.0
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8.5 vs 9.4
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8.5 vs 9.1
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8.5 vs 8.8- 8.5 vs 8.8
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8.5 vs 8.3
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8.5 vs 8.0
8.5 vs 8.0
Frequently asked questions
What does GetPlu charge each month?+
The paid plan costs £6.99. Many accounts on this site charge nothing at all, with a median of €0 and a lower quartile of €0, so the fee is the main thing to weigh before applying.
How much cashback do I get?+
Rewards are 3% back on daily purchases, up to 9% at higher loyalty tiers, and the rate across the account runs at 3% to 9% depending on the tier you sit in. The reward type is cashback, so the money comes back as spend money rather than points or miles.
Are there merchant discounts on top?+
Yes, 50+ merchant perks offering up to £10 in monthly rewards and access to 70 million+ merchants sit alongside the cashback. Perks are the part that changes your effective return most, so check which merchants you actually use before signing up.
What does it cost to spend abroad?+
Currency conversion is charged at 2.5%, and the account holds 2 currencies. For comparison, the conversion median across this site is 1%, so frequent foreign spending is where the cost bites.
How do I get money into the account?+
Deposits in cash are Free fiat deposit, so adding money from a bank account does not cost you a loading fee. The card then works as debit for spending, with 3% back on everyday purchases.
Who holds my money?+
Custody is self custody, which means you hold the balance rather than an institution holding it for you. That suits people who want direct control, though it also means the account is not operated the way a bank account is.
Which card and network do I get?+
The card is debit and runs on visa. Visa is the network behind 58.6% of the cards on this site, so acceptance is broad, though it is not the only network listed here.
How do I get help if something goes wrong?+
Support runs through help centre and community. A help centre and a community cover most questions, while only 67.3% of the cards here offer phone support, so a card with a call line may suit you better.
Sources
- plutus.it checked September 26, 2026
Backs: Card kind, Cashback rate, Features, Headquarters, Legal entity, Pricing model, Perks, Rewards rate, Rewards type, Support channels
“rewards card”
- plutus.it/about checked September 26, 2026
Backs: Founded
“That's why we built Plutus back in 2015.”
- plutus.it/fees checked September 26, 2026
Backs: Currency conversion fee, Top-up fee
“2.2 Point of Sale transaction (Non Domestic)* Starter Everyday Premium 2.5% 2.5% 2.5%”
- plutus.it/legal/terms-and-conditions/eur checked September 26, 2026
Backs: Card type
“The Plutus Card is a debit card that is linked to your Plutus Account that you access either through the App or our Website.”
- plutus.it/money checked September 26, 2026
Backs: Cashback rate, Currencies, Custody, Card network
“Earn a minimum 3% back in rewards, and up to 9% by unlocking higher levels.”
- plutus.it/plans checked September 26, 2026
Backs: Monthly fee
“Starter (GBP/EUR) 6.99 / month*”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR.