Plum: Smart Saving & Investing 4+

Earn 5.17% AER, Stocks, Funds

Plum Fintech Limited

    • Free

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

Description only relevant for UK customers.

• Take control of your financial plan by linking your bank accounts and credit cards in one place

EARN 5.17% AER (variable) WITH A PLUM CASH ISA
• Unlock tax-free returns
• Money in your Cash ISA is protected by the FSCS
• Get easy access to your money
• Start with as little as £1
• Transfer in an existing ISA and earn 4.29% AER (variable)
Rate as at 28/05/24. Subject to conditions. T&Cs and ISA rules apply. Top rate includes bonus rate for 12 months

• Get returns that follow the Bank of England base rate with this low-risk MMF
• Enjoy easy access with 1-business day withdrawals
• Add as much or as little as you want
Capital at risk. *Variable rate correct as at 27/05/24. Forecasts are not a reliable indicator of future performance. Returns aren't guaranteed.

• Build the habit of saving by scheduling deposits for a fixed amount each week or when you first get paid
• Smart rules keep you in control of your money, with options like our Al algorithm or Round Ups
• Or make the process more engaging with gamified challenges and rules like Rainy Days
• Earn up to 4.70% AER on your savings with an FSCS-protected Interest Pocket. Easy Access Interest Pockets are provided by Investec Bank Plc.

• Create your profile in minutes to start buying and selling US company stocks
• Invest in up to 3,000 companies like Amazon or Tesla
• Set up recurring 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 26 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 contains lots of different company shares
• Available with Plum Pro plan or above (from £2.99/month)
• 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/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 one Self Invested Personal Pension (SIPP)
• Choose from risk managed or diversified global funds
• No subscription fee 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 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 Fintech Ltd is an agent and distributor of PayrNet Ltd (FRN 900594) and Modulr FS Ltd (FRN 900573), respectively, both authorised as EMIs by the FCA. Plum Fintech Ltd (FRN: 836158) is a registered AISP with the FCA. Saveable Ltd (FRN: 739214) is authorised and regulated by the FCA as an investment firm. Plum is a trading name.
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 2.198.0

Relevant for UK customers only: Get the Plum Cash ISA with a huge 5.17% AER (variable). It's easy access so you can grow your money tax-free with peace of mind. Open yours today, or transfer in an existing ISA and earn 4.29% AER (variable).

Rate as at 28/05/24. Subject to conditions. T&Cs and ISA rules apply. Top rate includes bonus rate for 12 months.

Ratings and Reviews

4.2 out of 5
321 Ratings

321 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!

Pio H ,

Smooth Interface, but Dealbreakingly Slow

While I can understand it can’t be easy to make banking and budget apps, and that there must be a lot of tape to get around, at the end of the day, an app needs to serve the purpose it claims it’ll be able to.

In favour of a smooth user interface, clarity about what the app is going to do at any given moment is sacrificed. I have tried countless times to place amounts into a ‘pocket’ (Plum’s saving account feature), only to find not only will it not deposit for several days, but that neither can I cancel it. If I had known this, I never would have done it - I don’t know about anyone else, but depositing money into a savings account is a pretty time sensitive thing for me. So this is a total deal breaker, and has been actually effectively hurtful over the past month. I frequently get messages from my bank warning me that an amount will be attempted to be taken by Plum soon, when I know well that that money is no longer there now. No way to stop it.

Wait until they improve this before downloading - smooth interface, but my experience of it so far, has been of a well polished tap with no running water. Consider an alternative if looking to save in a time sensitive manner.

Developer Response ,

Hey there,

Thank you for taking the time to provide us with your feedback, it is greatly appreciated!

The way we process deposits and the timeframe of their settlement ensure safe transactions and allow a small cancellation window, in case of unforeseen circumstances.

You will find more details on this below:

We always aim to optimize and expedite transaction settlements without compromising your safety!

Thank you!


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.

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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