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 crypto spending alongside cashback on a Visa debit card, with self custody rather than a custodial balance. Cashback of 3% on daily purchases is the draw, and the fees are what separate it from the lower-cost cards here.
Key facts
- Best for
- Crypto holders who want cashback and a Visa debit card without giving up self-custody.
- 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 (trading as Plutus); Block Code LT UAB (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Email, Community (Source, checked September 26, 2026)
- Features
- Crypto, Virtual card, Self-custody, Multi-currency
- Official website
- plutus.it
Credit cards
- 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 (trading as Plutus); Block Code LT UAB (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Email, Community (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Crypto, Virtual card, Self-custody, Multi-currency
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXyoutube.com
Pros and cons
Pros
- Cashback of 3% on daily purchases, rising to 3% to 9% at higher loyalty tiers.
- One account covers crypto, virtual card and self custody, so crypto, a virtual card and multi-currency sit in the same place.
- Adding fiat costs nothing: the fee list shows Free fiat deposit, and the card runs on visa.
- Merchant perks sit on top: 50+ merchant perks offering up to £10 in monthly rewards and access to 70 million+ merchants.
Cons
- A monthly fee of £6.99 applies, where Wise charges £0.
- Currency conversion is charged at 2.5%, which cuts into any spend in another currency.
- Support runs on help centre, email and community, with no phone line.
Who it suits
- People already holding crypto who want to spend it from a Visa debit card
- Self-custody users who want their own keys rather than a custodial balance
- Spenders who put more weight on daily cashback than on a free monthly fee
Who should look elsewhere
- Wise, where a monthly fee of £0 and lighter currency costs suit everyday spending
- Varo Believe Secured Credit Card, for building a secured credit record rather than spending crypto
- Chime Card (Secured Visa Credit Card), if a monthly fee of $0 and a credit-building focus fit better
How it compares on our data
On our data, GetPlu ranks 394 of 419 brands on monthly fee and 192 of 259 on currency conversion fee. Both sit deep in the field, and the monthly fee ranking is the weaker of the two. Readers who weigh cost first should read the fee side before the rewards.
How GetPlu compares
8.6 vs 9.4
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Where GetPlu is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does GetPlu cost to run?+
The paid plan carries a monthly fee of £6.99, and the fee model is no annual fee. Currency conversion is charged at 2.5% on top, and the fee list shows Free fiat deposit for topping up.
How much cashback do I earn?+
Cashback runs at 3% on daily purchases and rises to 3% to 9% at higher loyalty tiers. The rewards type is cashback, so the money comes back as cash rather than points or miles. Merchant perks sit alongside it, listed as 50+ merchant perks offering up to £10 in monthly rewards and access to 70 million+ merchants.
Who holds the money in the account?+
Funds sit in self custody, which is the main structural point to weigh. Self-custody means the keys stay with the holder rather than sitting with a custodian, so counterparty exposure is lower. The trade is that the holder carries responsibility for the wallet and for access to it.
Can I add money and hold more than one currency?+
Fiat deposits are charged nothing to load, and the fee list shows Free fiat deposit. The account covers 2 currencies, with multi-currency among crypto, virtual card and self custody and a virtual card alongside.
What card do I get and where does it work?+
The card is a debit card on the visa network, so it fits everyday retail use. A virtual card sits among crypto, virtual card and self custody for online spending, and merchant reach is listed as 50+ merchant perks offering up to £10 in monthly rewards and access to 70 million+ merchants. The card is presented as a credit card overall.
Who runs GetPlu?+
The account is run by Block Code Ltd (trading as Plutus); Block Code LT UAB, with a headquarters in the United Kingdom. The company was founded in 2015, so the app sits with an established operation rather than a new entrant. The support side is handled through help centre, email and community.
How do I get help if something goes wrong?+
Support runs through help centre, email and community, which is a help centre, email and a community channel, with no phone line in the list. Anyone who wants phone support should weigh that before signing up, especially on a self-custody account where the wallet side needs attention too.
Sources
- plutus.it checked September 26, 2026
Backs: Card kind, Cashback rate, Pricing model, Perks, Rewards rate, Rewards type
“rewards card”
- plutus.it checked September 26, 2026
Backs: Headquarters, Legal entity
“BLOCK CODE LTD, Company number: 09674279 19 Heathman's Rd, Fulham, London SW6 4TJ, England”
- 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, Support channels
“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, Features, 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 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
GetPlu
Crypto holders who want cashback and a Visa debit card without giving up self-custody.