Plum: Smart Investing & Saving 4+

Stocks, Funds, Earn interest

Plum Fintech Limited

    • Free

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At Plum, we’re on a mission to make your money go further.

Our smart automation helps you put money aside and easily invest in what matters to you.

Here’s how…

• Link your bank accounts and credit cards to get an overview of all your finances
• Plum can automate your deposits to help you put more money aside over time
• You choose the Rules that control how much money you’d like to set aside
• Options include our AI algorithm and Round Ups
• Gamify the process with our 52 Week Challenge or Rainy Day Rule
• Withdraw anytime, as often as you’d like (except pension)

• Use our Splitter to divide your deposits between savings and investments
• Earn up to 1.01% AER on your savings with a FSCS protected, Interest Pocket*
• Investment options include stocks†, funds and pensions
• Start investing in a Stocks & Share ISA or General Investment Account with just £1

* Easy Access Interest Pockets are provided by Investec Bank Plc.
† Automated stock investments COMING SOON !!!

• Create your profile in minutes to start buying and selling U.S. company stocks
• Choose shares (or fractionals) from +500 companies like Apple, Meta and Tesla

‡ A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. If you were to buy and then sell 1 share worth $100, the total fees for these 2 trades would be around $0.90.

• Choose from 12 different funds themed around risk level or sector
• Personalise your portfolio with funds like ‘Slow & Steady’, ‘Tech Giants’ or options with an ethical focus
• Funds are professionally managed and each one contains lots of different company shares
• As with all Plum investments, fees§ are intuitive and transparent
• Available with Plum Plus subscription or above (from £1 per month with first month free)

§ Here are the fees when you invest with Plum:
• £1 minimum monthly subscription
• 0.48% average annual fund management and provider fee‖
• No hidden transaction or trading costs
• No withdrawal fees or limits

‖ This includes a fund management fee of 0.15% which goes to our technological partner, as well as a 0.06–0.90% fund provider fee, depending on the specific investment fund(s) you choose.

• Consolidate your existing pensions into a single Self Invested Personal Pension (SIPP)
• Invest your pension savings into a risk managed fund (based on your age and target retirement date)
• Pick from a range of diversified global funds
• There are no subscription charges for a Plum SIPP¶
• Get tax relief on your contributions

¶ A 0.45% annual Product Provider fee and average 0.25% annual fund management fee still apply.
Fund management fee depends on the fund(s) you choose.

• Compare household bills, like energy, broadband and insurance
• We’ll let you know if there’s a better deal and can switch you in seconds
• Use Money Maximiser to get a real-time view of your budget
• A Plum Card is the easiest way to use the money you’ve saved and can stop you overspending

• We support biometric security (face & fingerprint ID)
• Any sensitive data we hold is stored using symmetric cryptography (AES)
• We use 256-bit TLS encryption to communicate with our servers
• We never share your data with third parties without your consent

• Customer support available 7 days a week

Plum is a trading name of Plum Fintech Ltd. Plum Fintech Ltd. is a registered AISP with the FCA (FRN: 836158). Plum Money is the trading name of Saveable. Saveable Ltd. is authorised and regulated by the FCA (FRN: 739214) as an investment firm and credit brokerage firm.

For investments and pensions, all fund management and provider fees are shown annually, billed monthly and immediately reflected in your portfolio.

What’s New

Version 2.93.0

Thanks for downloading Plum!

We really appreciate your support.

UK customers can now order our new Plum Card. The card makes it easier than ever to spend the money you’ve saved with Plum, and can even help you stick to your budget.

Also, Plum is now available in Belgium, and will be landing later this summer in the Netherlands too!!

If you’re enjoying Plum then please leave us a nice review.

Ratings and Reviews

4.7 out of 5
47.7K Ratings

47.7K Ratings

neha uni tasker ,

Neha uni tasker

Hi cameron I have signed up and used the app and have to say I absolutely love the organised layout with the pensions investments (very informative) etc and the fact that I can see the upcoming regular bills as it personally helps me organise a budget for each month, I also love the save the change feature as bad savers like myself will find it easier to save the tiniest amount!!!!! Furthermore, the fact that I can attach more than one account makes it accessible and easy to use. Improvements: tbh not much needed as i feel like it give explores a lot but maybe create a payment reminder tracker- monitor bills, subscriptions etc and make it more accessible by creating Website version or adding more languages so it can be translated and maybe a wish list feature where people have a saving area for the thing a they want to buy. Tbh I love the app and will be sharing it to friends and family as I feel Ik a lot of people who would find good use in this. Also, please tell me u have a feedback section for people to write reviews so it can be gained as more of a trustable app and people would know if it’s popular and can therefore trust their private info being on the app

Developer Response ,

Hi 👋

Thank you so much your your positive review - we really appreciate it 🙏

We do have the Plum forum (; you can engage with other users, share your knowledge about Plum and leave your valuable feedback.


- The Plum Team

Angeloliver9 ,

Plum Excellent Easy Money Management Tool

Plum has helped me massively from being a none saver to wanting to save. What started out as pennies or a few pounds, has escalated to putting aside pay day payments each month ontop of the weekly savings. The last 2 years Christmas has been paid for through my Plum savings. This year, ontop of my Christmas savings, i have added Car repairs/MOT and Gym savings. Plum is a great tool in gaining money management especially where there is a lack of discipline, this hasn’t happened overnight for me, my first year i struggled with seeing my savings there and the need to spend it, however as the years have gone on my money management discipline has gone from strength to strength.

With Plum you can change how you want to save, as it has a few different levels, you can pause saving when the need arises, if you need the money you have saved, you can get it out immediately or within the hour at the latest.

Plum is an excellent tool to gain money management and easy savings, i highly recommend it.

Daisy Haslam ,

Daisy Uni Taskr

I found this app incredibly helpful and informative. As a student who’s in their overdraft money and payments get on top of me but Plum has a simple but effective format and the use of emojis in the app appeals to teenagers and students. The money maximiser feature looks to be incredibly useful for budgeting and setting money aside automatically. As well as this, the bills and offers feature allows me to keep track of all my subscriptions and if there’s one that I’m not using anymore I can easily cancel it and save more money. The app isn’t time consuming and is very quick and easy to use. By simply entering my next pay date it automatically sets aside some money for saving. It even saves money on days that it rains which I think was a fun feature to add. It also allows you to invest in certain companies and businesses which stand for different rights such as medics and eco green which I think is great for the younger generation.

Definitely recommend this app for those who want to save money for the future.

App Privacy

The developer, Plum Fintech Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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