Comparison
Plutus Card (EEA) vs. Tap Card: fees, limits & KYC
-
plutus.it29 Oct 2026
Image source
Source
plutus.it
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Plutus Card (EEA)Plutus
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Tap CardTap
In short
- Tap Card has the best score (67.4).
| Attribute |
Plutus Card (EEA)Plutus
|
Tap CardTap
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual Physical |
| Score | average | good |
| CostsWeight 25 % | 72 | 96 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 70 | 100 |
| AvailabilityWeight 10 % | 22 | 23 |
| RewardsWeight 10 % | 80 | 58 |
| TrustWeight 10 % | 70 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
debit
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.4 The Plutus Card is a debit card that is linked to your Plutus Account that you access either through the App or our Website. Virtual cards are free of charge while physical cards are subject to a...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
debit
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Wenn Sie eine berechtigte Zahlung mit Ihrer Debitkarte tätigen, erhalten Sie einen Prozentsatz Ihrer Ausgaben zurück auf Ihr Konto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual, physical
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.3 All of our Services require you to open an account with us (see sections 9.1 - 9.2) and come with the provision to you of a Plutus debit card (Plutus Card). Your Plutus Card can be virtual or phy...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
### Tap Card Physische und virtuelle Karten für alle Ihre Ausgaben.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
Visa
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
2. POS Visa TransactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Mastercard
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Mastercard Is A Registered Trademark And The Circles Design Is A Trademark Of Mastercard International Incorporated. Cards Issued By Transact Payments Limited Pursuant To Licence By Mastercard Interna...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
plutus.it checked 30 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.11 Your Plutus Current Account is not a traditional bank account. Instead, it is an electronic money account provided through Plutus and managed by our banking partner, an authorised Electronic Mon...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Tap ist keine Bank. Tap ist eine lizenzierte und regulierte Fintech-Plattform, die viele vergleichbare Leistungen bietet — Fiat-Zahlungskonten, internationale Überweisungen und Multiwährungs-IBANs — p...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.5 Top-ups. You will be able to top your Plutus Current Account via the Plutus Dashboard. With the money you have on your Plutus Card, you can make everyday card transactions and benefit from reward...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
fiat balance
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Pay worldwide wherever Mastercard is accepted. Use the currency of your choice to load up your card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
EUR
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
When using a EURO-denominated card to make a payment in EURO, the transaction will be free of any additional charges (considered as a domestic transaction).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Standard:
unknown
1 more country/regionGermany: EUR withtap.com checked 29 Oct 2026 Source and check Source withtap.com Wording at the sourceBis zu 8 % Cashback in Deutschland. Hohe Limits. Weltweit zahlen in EUR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
4.1 You must be 18, act in your personal capacity and reside in a country where our platforms, services and reward programmes are supported to be eligible to use them.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Privat ## Funktionen Alles, was Sie brauchen, um Ihr Geld zu verwalten, zu vermehren und auszugeben.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs)same for all |
not published
plutus.it checked 30 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Who is the new banking partner? To avoid any impact on service integration from malicious groups removed from the platform for misuse, the new banking partner will only be revealed once the related f...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
Transact Payments Limited
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Cards Issued By Transact Payments Limited Pursuant To Licence By Mastercard International Incorporated. Transact Payments Limited Is Authorised And Regulated By The Gibraltar Financial Services Commis...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend onsame for all |
plan
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
The specific fees and limits depend on your account plan:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown | |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assetssame for all |
not applicable
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept:Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
Standard:
unknown
1 more country/regionEEA: not applicable terms.withtap.com checked 30 Oct 2026 Source and check Source terms.withtap.com Wording at the source5.2 To load your TAP Card by debit card, you must use a debit card that has been issued by a regulated financial institution in the EEA and registered in the same name and address as your TAP account....Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networkssame for all |
not applicable
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept: (a) inbound payments, from bank accounts that are in your personal name meaning that the sender account name must...Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-upsame for all |
Yes
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept: (a) inbound payments, from bank accounts that are in your personal name meaning that the sender account name must...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Lade die Tap-App für iOS oder Android herunter. Verifiziere deine Identität und lade dein Konto per Banküberweisung oder Karte auf.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
Google Pay
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
For in-person transactions, you can add your virtual card to compatible digital wallet platforms like Google Pay to make mobile payments wherever NFC (Near Field Communication) payments are accepted.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| ATM withdrawals (differs)same for all |
No
plutus.it checked 28 Oct 2026
Two sources, two values
ShownNo
plutus.itchecked 28 Oct 2026
10.10 Outbound payments. You can use your Plutus Card for purchases made in accordance with your Subscription Plan. ATM withdrawals and outbound bank transfers from your Plutus Current Account are not...Differingvalue not recorded plutus.itfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| ATM Per Transaction Limit | €300 | | ATM Transactions Per Month | €4,000 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
plutus.it checked 28 Oct 2026
Source and check
Source
plutus.it
Wording at the source
For in-person transactions, you can add your virtual card to compatible digital wallet platforms like Google Pay to make mobile payments wherever NFC (Near Field Communication) payments are accepted.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Fees | ||
| Virtual card issuancesame for all |
0.00 EUR
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
1.4 Virtual Card Order Fee Starter Everyday Premium Free Free FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| TAP Virtual Card | Free |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all |
12.99 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| TAP Physical Card | £12.99 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Free cardssame for all | unknown | |
| Shippingsame for all |
not published
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
(e) Taxes, shipping costs, or other applicable charges which will be set out when you make a transaction using our Plutus Platforms.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all |
6.99 EUR/month or 69.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Starter - £/€6.99 monthly \| £/€ 69.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
9.99 EUR/month or 99.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Everyday - £/€9.99 monthly \| £/€ 99.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
19.99 EUR/month or 199.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Premium - £/€19.99 monthly \| £/€ 199.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean? |
Standard:
unknown
1 more country/regionGermany: 0.00 EUR withtap.com checked 29 Oct 2026 Source and check Source withtap.com Wording at the sourceDas Tap-Geldkonto ist darauf ausgelegt, die Dinge einfach zu halten. Keine monatlichen Gebühren. Kein Mindestguthaben.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual feesame for all |
6.99 EUR/month or 69.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Starter - £/€6.99 monthly \| £/€ 69.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
9.99 EUR/month or 99.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Everyday - £/€9.99 monthly \| £/€ 99.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
19.99 EUR/month or 199.99 EUR/year
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
Premium - £/€19.99 monthly \| £/€ 199.99 annuallyChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean? |
unknown |
| Top-up feesame for all |
free
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
1.1 Fiat Deposit Starter Everyday Premium Free Free FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto deposit feesame for all |
not applicable
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
10.8 Restrictions on inbound payments. Your Plutus Current Account will only accept: (a) inbound payments, from bank accounts that are in your personal name meaning that the sender account name must...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all |
2.5 %
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
2.2 Point of Sale transaction (Non Domestic)* Starter Everyday Premium 2.5% 2.5% 2.5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all |
not applicable
plutus.it checked 30 Oct 2026
Two sources, two values
Shownnot applicable
plutus.itchecked 30 Oct 2026
10.10 Outbound payments. You can use your Plutus Card for purchases made in accordance with your Subscription Plan. ATM withdrawals and outbound bank transfers from your Plutus Current Account are not...Differing2.5 % plutus.itfetched 30 Oct 2026 3.1 ATM withdrawal Starter Everyday Premium 2.5% 2.5% 2.5%The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 30 Oct 2026 Add this value? History What does [s] mean? |
unknown |
| Transaction feesame for all | unknown | |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all |
0.00 EUR
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
2.3 Point of Sale Decline Starter Everyday Premium Free Free FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Refund feesame for all | unknown | |
| Inactivity feesame for all |
3.00 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| Monthly inactivity fee (after no use for 12 months) § | £3.00 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Minimum monthly spendsame for all | unknown | |
| Inactivity rule (differs)same for all |
The account enters sleep mode after 60 consecutive days without account activity.
plutus.it checked 29 Oct 2026
Source and check
Source
plutus.it
Wording at the source
9.11 Account in sleep mode. You will be notified upon log-in that your account is in sleep mode if: (a) there is no activity in your account for a period of 60 consecutive days;Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
A monthly inactivity fee is charged if there has been no load onto the Tap Card and no card transaction for 12 months.
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
§ Inactivity fee will be charged if there has been no Load onto the TAP Card or no Transaction made using the TAP Card for a period of 12 months.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card replacementsame for all |
4.99 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| Card Replacement Fee (where card is lost, stolen, misappropriated, subjected to unauthorised use) | £4.99 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Unknown for all | Free cards · Crypto conversion fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Refund fee · Minimum monthly spend | |
| Rewards | ||
| Cashback (differs)same for all |
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 %
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
8%Bis zu Cashback auf jeden qualifizierten EinkaufChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all | unknown | |
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Plutus Card (EEA) · Tap Card: promotions and bonuses as well as warnings and incidents.