Plutus Referral Code 2026: €10 Bonus in +PLUS + 3% Cashback
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Promo offer
Plutus
€10 in +PLUSValid on Plutus • Click to claim the offer
About this offer
- Plutus referral: €10 in +PLUS points for referrer and new user (KYC + €20 deposit within 45 days)
- A 3% minimum cashback on eligible spend, paid in +PLUS (capped by plan)
- A prepaid Visa card (virtual + physical), Apple Pay and Google Pay compatible
- 3 paid plans since 2026: Starter, Everyday, Premium — 14-day free trial
- Rate up to 9% via PLU staking; +PLUS and PLU are crypto assets, value not guaranteed
Click the promo link to access the €10 in +PLUS on Plutus. This offer is verified and regularly updated.
How to use the Plutus referral
The Plutus referral works via an invitation link: click "Get the deal" on this page, create your Plutus account (email + password) and complete identity verification (KYC). To trigger the €10 bonus in +PLUS points, you must make a deposit of at least €20 within 45 days of sign-up. The bonus is then credited — to you and your referrer — the morning after the deposit clears. There is no code to enter: the referral link automatically ties your sign-up to the offer.
Opening a Plutus account and getting the Visa card
Opening a Plutus account takes a few minutes in the app (iOS or Android): create the account, complete mandatory KYC (ID + selfie), then order your prepaid Visa card. A virtual card is available immediately for Apple Pay and Google Pay, with the physical card mailed within a few business days. Since 2026, Plutus no longer offers a fully free plan: full access requires a subscription (from about £6.99/month), preceded by a 14-day free trial that is enough to claim the referral bonus. Once funded, cashback in +PLUS starts accruing on your eligible spend.
The Plutus offer: €10 in +PLUS + 3% cashback
Plutus combines two benefits: a €10 welcome bonus in +PLUS points via referral, and a 3% minimum cashback on your eligible card spend. Cashback is paid in +PLUS (the on-chain "PLUS More" rewards system Plutus launched in 2025), no longer directly in PLU. Note the cashback is capped by plan and applies to eligible spend, not every purchase: on the entry plan, 3% covers up to £250 spend/month (about £7.5 in +PLUS monthly, excluding the bonus). PLUS value fluctuates with the crypto market — it is not guaranteed.
The Plutus offer at a glance
| Summary | Detail |
|---|---|
| Referral bonus (referrer + new user) | €10 in +PLUS points each |
| Activation condition | KYC + €20 minimum deposit within 45 days |
| Bonus payout | The morning after the deposit clears |
| Permanent cashback | 3% minimum on eligible spend (capped) |
| Card | Prepaid Visa (virtual + physical) |
| Plans | Starter / Everyday / Premium (14-day trial) |
| Tokens | +PLUS (rewards) · PLU for staking |
| Availability | United Kingdom and European Economic Area |
Cashback timing and how +PLUS works
The €10 referral bonus in +PLUS is credited the morning after your €20 deposit clears. The 3% cashback is paid in +PLUS after each eligible transaction, usually within 24-48 hours. Accumulated +PLUS sits in your Plutus wallet and can be redeemed, swapped or transferred on-chain. Their fiat value depends on the token price when you convert — any loss of value is possible. To push the rate up to 9%, Plutus relies on staking PLU (a separate mechanism from base cashback), covered below.
Promo code or referral link: which to use?
Plutus has no code to type in: the offer runs solely through a referral link. Clicking ours ties your sign-up to the €10-in-+PLUS bonus — there is no "Plutus promo code" field in the app. The "-20%" or "-30%" codes seen on some coupon aggregators match no real Plutus offer (and are often confused with "Plutus Trade Base", an unrelated platform). So "Plutus promo code" and "Plutus referral" mean the same welcome offer, activated by the link.
The 3 Plutus plans in 2026: Starter, Everyday, Premium
Since 2026 all three Plutus plans are paid (the old free tier was removed), with a 14-day free trial. The cap is the eligible spend that earns cashback; beyond it, that month's purchases earn no more +PLUS.
| Plan | Indicative price | Eligible spend/month | Perks |
|---|---|---|---|
| Starter | ~£6.99/mo | £250 | 1 |
| Everyday | ~£9.99/mo | £500 | 2 |
| Premium | ~£19.99/mo | £1,000 | 3 |
Perks are monthly subscription rebates (up to ~£10 each, e.g. streaming or transport) paid in +PLUS. The 3% rate rises to 9% not via perks, but by staking PLU (loyalty tiers, up to 40,000 PLU for the top rate). Prices indicative (checked July 2026, billed in £); confirm the exact rate in-app for your country.
PLU, +PLUS and Rare PLU: the Plutus tokens
Plutus now runs on two building blocks. +PLUS (from the "PLUS More" system launched in 2025 on the Base blockchain) are the spendable reward points: cashback and the referral bonus are paid in +PLUS, redeemable, swappable or transferable on-chain. PLU (Pluton) has become a fixed-supply staking token ("Rare PLU", ~17M) — no longer earned in-app, it unlocks higher rates and perks (up to 9%) when staked. This dual-token model is Plutus's main specificity: rewards carry a variable market value. Plutus is a real, functional card, operating since 2015 (founded by Danial Daychopan), and crypto rewards are taxable under your local rules. For guaranteed cashback without crypto risk, Honey is more predictable; for regulated crypto investing, Bitvavo or Coinbase offer very different environments.
Frequently asked questions
How do I use the Plutus referral to get the €10 in +PLUS?
Click our referral link, create your Plutus account, complete KYC, then deposit at least €20 within 45 days. Once met, €10 in +PLUS points is credited the next morning to your wallet, and to your referrer. No code to enter — it all runs through the link.
Is Plutus cashback paid in euros or crypto?
Plutus cashback is paid in +PLUS, the platform's on-chain reward points (the "PLUS More" system), not in guaranteed euros. Their fiat value depends on the token price when you convert — it can rise or fall. Cashback also applies to capped eligible spend by plan, not to every purchase.
Can the Plutus referral be combined with the permanent cashback?
Yes. The €10 referral bonus in +PLUS is a one-off sign-up perk, independent of the 3% cashback that then applies to your eligible card spend. Both accumulate in your Plutus wallet without interference.
Do I need a paid plan for the Plutus referral?
Since 2026 Plutus no longer has a free plan: the three subscriptions (Starter, Everyday, Premium) are paid, from about £6.99/month. However, a 14-day free trial lets you open the account, deposit €20 and claim the referral bonus without paying upfront. To keep earning cashback afterwards, an active subscription is required.
Is the +PLUS from the Plutus referral taxable?
Yes, in most countries gains on digital assets (including +PLUS and PLU) are taxable when disposed of. Points received via referral can be treated as taxable income. Keep records and consult a tax adviser to declare your crypto gains correctly.
Is the Plutus card accepted everywhere like a normal card?
Yes. The Plutus card is a prepaid Visa accepted anywhere Visa is taken, in store and online, with Apple Pay and Google Pay. Being prepaid, you can only spend what you have loaded (no overdraft). Note a 2.5% FX fee on foreign-currency payments and ATM withdrawals.
Is Plutus still free and how much are the plans?
No, the fully free plan was removed in 2026. Plans are paid: about £6.99/mo (Starter), £9.99/mo (Everyday) and £19.99/mo (Premium), with a 14-day free trial. Each tier raises the monthly eligible-spend cap (£250, £500, then £1,000) and the number of perks (1, 2, then 3). Prices checked July 2026, billed in GBP.
How do you reach 9% cashback on Plutus?
The base rate is 3%. To lift it toward 9%, you must stake PLU (the fixed-supply loyalty token) across tiers, up to 40,000 PLU for the top rate — a commitment worth several thousand euros. Perks (rebated subscriptions) do not raise the cashback percentage; they add value separately.