Plum: Smart Saving & Investing

Plum Fintech

About this app

Plum’s on a mission to help you grow your money for life, with automated deposits, accessible investing & smart saving.

SET ASIDE MONEY AUTOMATICALLY
• Plum’s automation puts saving on repeat with weekly deposits, payday Auto Savers and more.
• From AI-powered tools to round-ups and challenges, it all runs in the background.
• You stay in control with smart tools that work with you

SAVE MONEY TAX-FREE WITH THE PLUM CASH ISA
• Unlock tax-free savings with easy access to your money
• Start with as little as £1
• Transfer in an existing ISA for a lower rate
• Eligible deposits are FSCS protected
See interest rate details on the Plum website or app. T&Cs and ISA rules apply. Tax treatment depends on personal circumstances and could change.

BUILD YOUR HOUSE DEPOSIT WITH A LIFETIME ISA
• Add up to £4,000 to your Lifetime ISA each year, and the government will give you another £1,000 on top, for free
• Get an added boost with Plum's competitive interest and tax-free savings
Govt. withdrawal fee may apply. Tax treatment depends on your situation.

GROW YOUR SAVINGS
• Earn up to 3.95% AER (variable) with our classic easy-access Interest Pocket
• Or get an even better rate with a 95-day Notice Account at 4.58% AER (variable)
• Both accounts are FSCS-protected for peace of mind, and provided by Investec Bank Plc.
Rates correct as at 05/07/25 and subject to change.

EARN UP TO 3.96%* WITH PLUM INTEREST
• 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 05/07/25. Forecasts are not a reliable indicator of future performance. Returns aren't guaranteed.

UNLIMITED COMMISSION-FREE† STOCK INVESTING
• 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.

DIVERSIFY YOUR INVESTMENTS WITH FUNDS
• 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
• Funds are professionally managed and each contains lots of different company shares

‡ 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.

GET RETIREMENT-READY
• Consolidate your existing pensions into one Personal Pension (SIPP)
• Choose from risk managed or diversified global funds
• 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.

SECURITY
• We support biometric security
• 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. 2-7 Clerkenwell Green, London, EC1R 0DE.

Ratings and reviews

Unusable - don't bother. Useless app that isn't fit for purpose and just wastes your time. Try and add money by selecting your bank and it's impossible to proceed as it just continually returns to / stays on the 'choose your bank' page, so you are stuck. Select the option to add it another way (bank transfer) and you just get a 'something went wrong' error message. Try the in app help and it's impossible to speak to a human and the chat bot is useless. Worst fintech app I have ever used!

Good clear investing opportunities for stocks and shares ISA. Lots of bugs and issues with displaying portfolio values. Examples include a wrong return value over certain time horizons which was eventually fixed, and then a mismatch between returns shown on different pages of the app, which the help desk couldn't explain. Gives me very little confidence in what plum are showing me is the actual value.

You dont get paid any interest if you need to close your account before the end of a complete month! No daily interest applied on closure! Avoid! headline rates and lowlife antics! Its all in the small print. Also dont expect same day transfers if you need your money urgently. 3rd party checks are unlimited in timescale and nobody will talk to you! I lost thousands in failed Completion charges and they sent me £100 to say sorry! I highlighted a way to improve customer experience, IGNORED

What’s new

Relevant for UK customers only: Check out the Lifetime ISA, now available in your app. With a great rate and an extra boost from the government, Plum's Lifetime ISA can help you build your house deposit and get you into your first home faster.


T&Cs and ISA rules apply. Tax treatment depends on your personal circumstances and may change. See the website for full details about interest rates. Govt. withdrawal fee may apply.