Plum
Plum is a London money app that moves small amounts into savings automatically after analysing a user's income and spending. Alongside the automatic saving, it offers easy-access savings pots, Cash and Lifetime ISAs and a money market fund. The app launched in 2016, is free to download and has optional paid plans for extra features.
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More ways to save at Plum
- NHS discountPlum offers NHS and healthcare workers £5 extra in their Plum account via Health Service Discounts.
- Military discountPlum offers military and armed forces members £15 free when signing up via Troopscout.
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About Plum
How the app works
Once set up, Plum studies income and spending and puts aside sums it judges can be spared, through tools called Auto Savers. Saved money can sit in Easy Access Savings Pockets, which are provided by Investec Bank plc. It can also go into a Cash ISA or a Lifetime ISA aimed at first-time buyers. Plum Interest is a money market fund, and like any investment it puts capital at risk.
Costs and protection
The basic features cost nothing. Premium tiers unlock extras, including better interest rates and more advanced investing, and they can be cancelled at any time. Plum is regulated by the FCA, and cash in its savings products is protected by the FSCS up to £85,000 through partner banks. Investments are different, since their value can fall as well as rise.
Getting set up
Plum is app-only, with no branches. It can be downloaded free from the App Store or Google Play, and money goes in by bank transfer or Direct Debit. Support is handled by email at [email protected]. The company is headquartered in London and also has offices in Athens and Nicosia.
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Plum quick facts
| Delivery | Digital app - download free from App Store or Google Play. |
|---|---|
| Returns | Free to use with optional premium subscription. Cancel anytime. |
| Payment methods | Bank Transfer, Direct Debit |
| Founded | 2016 |
| Headquarters | London, UK |
| Parent company | Plum Fintech Limited |
| Stores | 0 |
Plum contact
- Website
- withplum.com
- support@withplum.com
- Hours
- Mon-Fri 9am-6pm
Plum FAQs
Can I cancel a Plum subscription?
Yes. Premium plans can be cancelled at any time, and the basic version of the app remains free to use.
Who regulates Plum?
Plum is regulated by the Financial Conduct Authority. Savings are protected by the FSCS up to £85,000 through partner banks, while investments such as Plum Interest put capital at risk.
Which ISAs does Plum offer?
Plum offers a Cash ISA and a Lifetime ISA, the second aimed at people saving for a first home. Both sit alongside its easy-access savings pockets.
How do I pay money into Plum?
Money goes in by bank transfer or Direct Debit, and the Auto Savers can also move small sums across automatically based on spending patterns.
