Yearly cost at three spending levels
| Monthly spend | Plutus | Xapo |
|---|---|---|
| $500 | ≤ -$23.02 Starter (€6.99 a month) | -$1,024 Membership |
| $2,000 | ≤ -$113.02 Starter (€6.99 a month) | -$1,024 Membership |
| $5,000 | ≤ -$293.02 Starter (€6.99 a month) | -$1,024 Membership |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Plutus Starter (€6.99 a month) | Xapo Membership |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$120 | $0 |
| ATM fees | Not disclosed | -$24 |
| Annual, monthly and subscription fees | -$95.60 | -$1,000 |
| Cashback | +$102.58 | $0 |
| Net per year | -$113.02 | -$1,024 |
Fees
Plutus charges 0% to convert or top up and 2.5% on spending in a foreign currency. Xapo charges 0% and 0%.
ATM withdrawals: Plutus 2.5%; Xapo 2% after $100 free a month.
A virtual card costs nothing with Plutus and nothing with Xapo. A physical card costs €9.99 and nothing.
Cashback and rewards
Plutus cashback: 3%. Xapo cashback: None.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 a month.
Xapo tiers: Membership: 0%.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
Xapo: Xapo pays cashback in Bitcoin only through limited-time offers, such as 3% on rideshares with the Metal card from 1 July to 30 September 2026. The membership also includes interest on USD savings, paid in Bitcoin.
Availability and KYC
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
Plutus needs full KYC and Xapo needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
Xapo does not publish fixed spending or ATM limits.
Plutus does not list Apple Pay or Google Pay support, and Xapo does not list either. Plutus and Xapo issue a virtual card you can use straight away.
Custody and safety
Plutus scores 44/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
Xapo scores 69/100. Licensing: holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). No incidents or enforcement actions found in the last 36 months. Xapo says Bitcoin is held 1:1 and legally segregated under Gibraltar's DLT framework, never lent or rehypothecated. USD deposits are covered by the Gibraltar Deposit Guarantee Scheme; crypto balances are not.
Full reports: Plutus safety check and Xapo safety check.
About each card
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP and its balance is held in EUR.
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, USDC and USDT.
Which card fits you
Plutus fits if
- You want a higher cashback ceiling (up to 3%).
Xapo fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Plutus fees and details · Xapo fees and details