Plum: Smart Investing & Saving 4+

Stocks, Funds, Up to 2.90% AER

Plum Fintech Limited

    • Free

iPhone Screenshots


With automated deposits, accessible investing and smart budgeting, Plum gives your money momentum.

We give your personal finances a push to help you reach your goals, whatever they may be.

Here’s how Plum works:

• 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 deposits 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 investment funds
• Recurring buy orders let you set up regular, automated investments in company stocks
• Earn up to 2.90% AER on your savings with a FSCS protected, Interest Pocket*
• Automated investment options include stocks, funds and pensions
• Start investing with just £1

* Easy Access Interest Pockets are provided by Investec Bank Plc.

• Create your profile in minutes to start buying and selling US company stocks
• Choose shares from up to 3,000 companies like Amazon or Tesla
• Set up repeat buy orders and price alerts to put your investing strategy into action

† A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. The total fees charged to buy and then sell (2 trades) 1 share worth $100 would be around $0.90.

• Choose from up to 21 different funds themed around risk level or sector
• Personalise your portfolio with funds like ‘Slow & Steady’, ‘Tech Giants’ or options with an ethical focus
• Premium funds allow greater diversification through the inclusion of Gold, Biotech and Real Estate assets
• Funds are professionally managed and each one contains lots of different company shares
• Available with Plum Pro subscription or above (from £2.99 per month with trial month free)
• Intuitive and transparent fees‡

‡ Here are the fees when you invest in funds with Plum:

• £2.99 minimum monthly subscription
• 0.90% annual Assets Under Management (AUM) and average fund management fee§
• No withdrawal fees or limits

§ This includes an (AUM) fee of 0.45% charged by Plum, as well as a 0.06–1.06% fund management fee, depending on the specific investment fund(s) you choose.

• Consolidate your existing pensions into a single Self-Invested Personal Pension (SIPP)
• Choose from risk managed or diversified global funds
• There are no subscription charges for a Plum SIPP
• 0.89% annual Assets Under Management (AUM) and average fund management fee‖
• Get tax relief on your contributions

‖ This includes a 0.45% Product Providers fee, as well as a 0.08%–1.06% fund management fee, depending on the specific investment fund(s) you choose.

• We’ll let you know if there’s a better deal on household bills 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 never share your data with third parties without 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 2.130.0

Get ready for the end of the tax year with Plum! Open a Stocks & Shares ISA before 5 April and invest anywhere between £1 and £20,000 tax-free* in diversified funds. The allowance resets on 6 April, so make the most of it now while you can. Capital at risk when you invest.

Now, here's what's NEW in the app. We've just released our Watchlist feature, which means you can keep tabs on the stocks that matter most to you! Just search for a stock and tap "Add to list".

Over on the savings front, you can stretch your money even further with our new and improved interest rates. Our latest increase means UK Premium customers now enjoy a rate of 2.90% AER** on money held in their Interest Pockets.

That's all for this week! If you're enjoying Plum so far, leave a review and let us know! You can also show your support by voting for us in the British Bank Awards. Just head to the Smart Money People website to help us win Best Personal Finance App 2023.

*Provided you follow the ISA rules and limitations, which you can learn about on the UK government website. Tax treatment depends on your individual circumstances and may change. T&Cs apply.
**Easy Access Interest Pockets are provided by Investec Bank Plc.

Ratings and Reviews

4.4 out of 5
296 Ratings

296 Ratings

Shellllzer ,

Really good app BUT

This app is really good. I just wish that when money is transferred from my bank account to Plum that it didn’t take so many days to be deposited. Surely there could be a way around this by depositing using a debit card instead of a direct debit? It’s brilliant other than this issue

Developer Response ,

Hi there,

We love to hear you are enjoying Plum!

We are currently working on reducing our timeframes, stay tuned!


Great for saving pocket change, but still has my money floating in space too much

I love the idea behind it, I have 7 pockets that help me manage mentally what I want to do with my money. It stops me from transferring back and forth on impulse. Was enjoying the app a lot coming up for Christmas and I gave me a bit of peace of mind when trying to organise cost of living vs gift buying. I think overall it’s a great app for small-weekly savings.

My main issue is the amount of time my money spends floating in space between transfers. I currently have a big payment and I need access to my money but it has not even reached my plum account for about a week now? Other times it may only take a day. It’s so hard budgeting and planning ahead when I don’t know how long my money is going to be invisible for.

I know the app is not a scam, but I can’t help but feel super uneasy sometimes when a deposit leaves my account or app, knowing it could take a day or weeks to arrive.

On top of that, the app can be super confusing when trying to find the automatic transfer options to help slow down how much money leaves your account. Maybe it’s just me who finds it this way, but even now typing this the thought of finding it again feels exhausting.

I don’t want to run people away from this app, cause I have definitely found it for the most part useful. But I would have be lying if I said I didn’t still have reservations about it.

Johnny19w ,

Not ready for ROI customers

The app has not been adjusted for ROI market at all. Will probably be removing it and requesting all data to be deleted.
The “pro” functionality is useless, no investment, no adjusting options in different sections like adding removing regulars doesn’t work. The algorithm hadn’t recognised many direct debits or transfers I’m making such as paying rent. I’ve no option to add it to regulars, despite help links telling me I can with “pro”. Will it then be saving more money than it should leaving my main account short?! It’s making me more anxious using it rather than the opposite trying to help out. How useless is that!! Unsure why would you charge for the pro option, if most of the options do not work anyway.
On top of it can’t add credit cards or other accounts like deposit or loan accounts. Forget about foreign accounts.
It’s a good concept, but beta version at best.

Developer Response ,

Hi 👋

We are really sorry to hear that.

For more details, we will need to take a look into your Plum account.

Could you contact us via ‘chat to human’ in the app, or by emailing please? Our support team will be happy to assist you.

Thank you!

- Plum Team

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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