# Plutus Card (EEA) vs. Tap Card: fees, limits & KYC

- Tap Card has the best score (67.4).

Entry variant: Plutus Card (EEA): Starter.

## Basics

|  | Plutus Card (EEA) | Tap Card |
| --- | --- | --- |
| Card form | debit | debit |
| Card types | virtual, physical | virtual, physical |
| **Card network** | Visa | Mastercard |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| Card currencies | EUR | unknown |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | not published | Transact Payments Limited |
| Limits depend on | plan | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Plutus Card (EEA) | Tap Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Plutus Card (EEA) | Tap Card |
| --- | --- | --- |
| Supported assets | not applicable | unknown |
| Number of supported assets | unknown | unknown |
| Top-up networks | not applicable | unknown |
| Fiat top-up | Yes | Yes |

## Payments

|  | Plutus Card (EEA) | Tap Card |
| --- | --- | --- |
| Mobile wallets | Google Pay | unknown |
| **ATM withdrawals** | No | Yes |
| Contactless | Yes | unknown |

## Fees

|  | Plutus Card (EEA) | Tap Card |
| --- | --- | --- |
| Virtual card issuance | 0.00 EUR | 0.00 GBP |
| Physical card issuance | unknown | 12.99 GBP |
| Free cards | unknown | unknown |
| Shipping | not published | unknown |
| Monthly fee | 6.99 EUR/month or 69.99 EUR/year | unknown |
| Annual fee | 6.99 EUR/month or 69.99 EUR/year | unknown |
| Top-up fee | free | unknown |
| Crypto deposit fee | not applicable | unknown |
| Crypto conversion fee | unknown | unknown |
| Foreign currency fee | 2.5 % | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | not applicable | unknown |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | 0.00 EUR | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | 3.00 GBP |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | The account enters sleep mode after 60 consecutive days without account activity. | A monthly inactivity fee is charged if there has been no load onto the Tap Card and no card transaction for 12 months. |
| Card replacement | unknown | 4.99 GBP |

## Rewards

|  | Plutus Card (EEA) | Tap Card |
| --- | --- | --- |
| **Cashback** | 3 % (holding from 1); 3 % (holding from 100); 3 % (holding from 200); 3 % (holding from 500); 3 % (holding from 1,000); 4 % (holding from 2,000); 5 % (holding from 3,000); 6 % (holding from 10,000); 7 % (holding from 20,000); 8 % (holding from 30,000); 9 % (holding from 40,000) · as points (1 point = 1 EUR) | 0.5–8 % |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Plutus Card (EEA) | Tap Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day 500,000 EUR · Spending per 30 days 1,000,000 EUR · Single payment per transaction 500,000 EUR | Spending per day 2,500 EUR · Spending per month 15,000 EUR |

- [Plutus Card (EEA)](https://cryptocardss.com/en/plutus-card-eea.md)
- [Tap Card](https://cryptocardss.com/en/tap-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/plutus-card-eea-vs-tap-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/plutus-card-eea-vs-tap-card/