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Comparing Plutus Card and Binance Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
Binance rates 4/5, slightly ahead of Plutus at 3.4/5. Both are solid options, but Binance is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit | Mastercard Prepaid |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | GBP 9.99 physical card (optional) | Free |
| Annual fee | GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) | Free |
| FX fee | 2.5% FX fee on foreign currency transactions | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency |
| Rewards | ||
| Cashback | 3% (Tiers, cap GBP 250/mo) | Up to 3% (Brazil) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | No |
| Bank account in your name | IBAN yes (Netherlands EUR IBAN), SEPA yes, UK sort code/acct; SWIFT not disclosed | No |
| Daily spend limit | Based on tier (£250-£22000/month for 3% rate) | Varies by tier based on BNB holdings, up to €8700/day for highest tier |
| ATM withdrawal limit | €300/day, 1% + €1.35 fee per withdrawal | €290/day; 0.9% fee |
| Top-up methods | GBP fiat deposits from UK bank account | BTC, BNB, USDT and 10+ major cryptos |
| Regions | UK and EEA only | Binance names Brazil, Argentina, Peru and Armenia in its own words on…Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement |
| Behind the card | ||
| Card issuer | Modulr FS Limited — UK (FCA FRN 900573); EEA via Modulr Finance B.V. (DNB R182870)Named in the card terms | Pomelo S.A. — Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Get Plutus Card | Get Binance Card | |
Binance Card is the better card here. Zero fixed costs give Binance a cost advantage from day one. However, Plutus may be better if you need something it does better.
In short: Binance Card (4/5) is the stronger option for most people compared to Plutus Card (3.4/5).
