Set It
Forget It
Live your life
Never miss a bill
or your rewards
Why Pluto?
01
The Nomad
Digital Nomad / DTV Visa Holder
On a DTV Visa and unable to open a Thai Bank Account?
Paying rent via international wire transfers costs you up to 3-5% per transaction.
At THB 25,000 rent, that's up to THB 15,000 a year in pure friction costs.
At a flat 3.65% fee, Pluto eliminates that friction.
03
The Small Business Owner
Working Capital Optimiser
Aom’s small business needs 50,000 THB for supplier orders, but short-term loans cost 7–15% p.a.
By using Pluto, her 3.65% fee (1,825 THB) is offset by 2–3% in card rewards (1,000–1,500 THB). This brings her net cost for 30 days of working capital down to just 325–825 THB.
When traditional credit is out of reach, Pluto is transformative.
02
The Renter
Premium Card Holder
Sarah uses her Amex Platinum or UOB PRVI card to earn 3%+ rewards, but her landlord only takes bank transfers.
At 25,000 THB rent, Pluto’s 3.65% fee (912 THB) is nearly covered by her 3% cashback (750 THB).
The remaining 162 THB buys a 30–55 day credit float, effectively providing free working capital.
For premium cardholders, Pluto isn't a cost—it’s a strategic financial tool.
How it Works
01
Register with Us
Easily set up an account with us by signing up with your email and phone number.
03
Create a Payment
Schedule a payment for your recipient.
Funds are then transferred in as quickly as one business day.
02
Add a Receipient
Upload your recipient details and we will verify your information through our Secure KYC Process
04
Earn your Rewards
Sit back, Relax and earn the rewards on your favourite cards from your recurring payments.
Here's to more miles, points & cashback.