Plum: Smart Saving & Investing

Plum Fintech

About this app

Description only relevant for UK customers

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

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

SAVE TAX-FREE WITH THE PLUM CASH ISA
• Unlock tax-free savings and hit goals faster with automated savings for Cash ISA.
• Start with as little as £1.
• Transfer your ISA to consolidate your savings.
• 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 LISA each year and the government adds a 25% bonus (up to £1,000) for free.
• Reach goals faster with Plum's competitive interest rate, tax-free savings and automations.
• Transfer or open your Lifetime ISA with Plum to receive a competitive interest rate.
See interest rate detail on the Plum website or app. Govt. withdrawal fee may apply. Tax treatment depends on your situation. Make sure automations are right for you.

GROW YOUR SAVINGS
• Earn up to *3.65% AER (variable) with our Easy-Access Interest Savings Account provided by Lloyds Bank PLC
• Or get a higher rate with a 95-day Notice Account at *3.87% AER (variable).
*Rates correct as at 20/05/2026 and subject to change.

EARN UP TO 3.67%* WITH PLUM INTEREST
• Get returns following 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. Plum Interest is held in the BlackRock ICS Sterling Government Liquidity Fund. It is an investment product, so you could get back less than you put in. *Rates correct as at 20/05/2026.

INVEST IN UP TO 3,000 COMPANIES
• Sign up in minutes to start buying and selling US company stocks.
• Invest in companies like Amazon or Tesla.
• Set up recurring buy orders and price alerts to automate your strategy.

Capital at risk. Your investment can go down as well as up, so you might get back less than you put in. This is not advice. Investing in individual shares carries significant risk. Share prices can be volatile and may be affected by broader market or company-specific factors. This product is not suitable for everyone. Please consider your personal circumstances or seek independent advice if unsure.

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 ethical options.
• Funds are professionally managed and contain various company shares.

GET RETIREMENT-READY
• Consolidate existing pensions into a self-invested personal pension (SIPP).
• Choose from risk-managed or diversified global funds.
• Get tax relief on your contributions.

The Plum Pension is a Self-Invested Personal Pension (SIPP). Like any pension, it's an investment product, and you could get back less than you put in. Access to the money is usually restricted until age 55 (or age 57 from 2028).

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

It used to be great. It's now getting increasingly more cluttered and to be quite honest the app is a mess. The monetisation is over the top and unless you're on the top bracket you'll be pestered whenever you log in. The app also sees your overdraft as available funds, with no option to correct the automation. That will be a feature they'll try selling to you later on.

Do not use the investment tab. I wanted to buy one stock, the app errored out - so I attempted to buy the stock again a few more times and got greeted by more errors. Turns out that the orders had gone through and I had been charged 4 times instead of one. Upon trying to sell the excess stock I didn't want in the first place, that sells order has been pending for over a day. There is £300 of my own money I cannot access because of a bug in this app.

I've had so many issues with this app. The value of my investments differs depending on which screen you look at so I never have any idea what my actual value is. This month my paydays deposit (automated deposit after getting paid) was randomly double what I'd set it at which I can't afford and was arranged for a completely random day in the month. Plum couldn't cancel the deposit. Basically told me tough luck. My investments perform okay but the app itself is absolute trash.