From time to time we like to take a peek behind the scenes to focus on the people that make Plum what it is.

Today, we’re buzzing to hear from our Head of Brand, Erin Kyrantonis. She’s the mastermind behind our current ‘Life Flows’ media campaign… So we’re keen to hear what it means to her, and how it helps Plum customers.

What is the ‘Life Flows with Plum’ campaign?

When I joined Plum, in February 2022, one of the challenges we were facing was that of how we concisely communicate the breadth of our offering. Because since the days of our Messenger chatbot… We’ve come a long way!

As our offering has become more sophisticated it’s become broader too, covering saving, investments, budgeting and bill comparison/switching. So we wanted a way to try and communicate the feeling that Plum gives to our prospective customers.

One of the cornerstones of the Life Flows campaign is our TV ad. The ad follows Thomas, who is reaping the benefits of saving, investing and spending with Plum. We wanted to portray a realistic and authentic picture of life for a person of his age. Full of small moments, such as hanging with friends… And the big moments, like getting married!

The use of fluid transitions, catchy backing music and fun, low-key moments, are all designed to hammer home the sentiment we wanted to convey. With Plum working for you, you build the life you aspire to through small, consistent automated actions.

What do you mean by financial well-being?

For me, financial well-being is encapsulated by that feeling of being secure and in control. Paying the bills today, whilst having the capacity to deal with the unexpected tomorrow and staying on track for a healthy financial future.

A key component of financial well-being is financial capability. The ability to manage money well on a day-to-day basis and through significant life events. Financial capability encompasses an individual's skills, knowledge, attitudes, motivations and experience with money.

We care about your financial well-being. And for us, that doesn’t just mean creating a bit of tech to make mundane bank things a bit easier… We’re talking about algorithms, AI and automation, specifically designed to improve your financial well-being right now, tomorrow and over the long run.

It’s your money, done your way, with some extra motivation provided by Plum. So you can do more of the things you really want to do in life!

Why is the campaign important to you?

The Life Flows campaign is the culmination of a lot of research and hard work. And it comes at a time when effectively managing finances is more important than ever, which means it’s super relevant for our customers.

Through the creatives employed, we aimed to position Plum as a holistic enabler of financial well-being and capability in the minds of our audience. A way for customers to manage and grow their money for the long term.

When you’re on top of your money, you’re free to enjoy everything else that bit more. Great financial well-being can feel like you are gliding through life.

At Plum, we help you future-proof your own life, whilst making time for the smaller, everyday moments. Plum provides the virtual cogs that work in the background. The smart AI that automates aspects of your financial life based on the strategy that you set. It can help keep your present life ticking along smoothly, safe in the knowledge that you’re looking after your future self.

I hope the campaign shows how Plum can help customers strike a balance between living in the moment and planning for the future.

How can Plum make my money flow?

1. Get connected

The journey starts when you connect your bank accounts and credit cards to get a complete overview of your finances. It’s a great way to get better visibility on regular payments, and when combined with our budgeting tools, can help you stick to your spending limit.

2. Decide how to deposit

You can deposit a fixed amount each week, or when you first get paid. Alternatively, enable our AI algorithm to tailor the amount you set aside based on your earnings and spending, or gamify deposits with the 1p Challenge, Rainy Days and the Naughty Rule.

3. Set your strategy

Whether you’re saving for short-term goals, building your emergency fund or investing for the long term, Plum can help automate the strategy you set. You can automatically divide your deposits between Interest Pockets (see below) and investment funds, or set up recurring orders to buy company stocks. Remember that your capital is at risk if you decide to invest, and as with all investments, you may get back less than the amount you invested.

What features can I expect to find in the Plum app?

It’s free to download and start using Plum, but if you find you want a better rate of interest or a wider variety of deposit Rules and investment options, a monthly subscription might be for you.

We have 3 tiers available, in addition to our Basic tier. Each tier offers all the features in the lower tiers, and whichever one you choose you can try for 1 month totally free of charge, before deciding which tier is best for your needs.

Plum Basic (free)

Even the Basic (free) version of Plum lets you automate deposits, create a Pocket that pays interest and access stock investing, so you can trade fractional company shares in real time.

Here’s what you can expect from Plum Basic:

• Save money and Earn 2.75% AER with 1 Interest Pocket*.
• Automated deposits with our AI Algorithm or Round-Ups.
• Choose investments from over 1,200 company stocks and trade commission-free†.
• Create a personal Watchlist to monitor the performance of investments you might consider in the future, with no commitment.
• Consolidate existing pensions and invest for retirement with a SIPP‡.
• Get alerts to compare bills and switch suppliers in seconds.
• Unlimited withdrawals, with no hidden charges or fees.
• Use the Splitter to automatically divide deposits between Pockets.

* Easy Access Interest Pockets are provided by Investec Bank Plc. and protected by the Financial Services Compensation Scheme (FSCS).

† Other fees apply. Capital at risk.

‡ Capital at risk.

Plum Pro (£2.99 per month)

In addition to the smart stuff in our Basic tier, Plum Pro provides a better rate of interest, gamified deposit Rules, access to our simple range of investment funds, customisable Pockets and Cashback.

Here’s what you can expect from Plum Pro:

• Get access to a better rate of interest (earn 3.05% AER).
• Gamified deposits with our 52-Week Challenge (to set aside £1,378 in a year) or Rainy Days Rule (which will set money aside when it’s forecast to rain in the area where you live).
• Create and customise up to 15 Interest Pockets* and set goals.
• Choose from our simple range of 9 diversified investment funds† and use the Splitter to automatically apportion your deposits between savings and investments.
• Exclusive rewards when you shop with our partner merchants.

* Easy Access Interest Pockets are provided by Investec Bank Plc. and protected by the Financial Services Compensation Scheme (FSCS).

† Capital at risk.

Plum Ultra (£4.99 per month)

An Ultra subscription can build on the features in our Basic and Pro tiers by offering advanced budgeting tools, more exclusive Rules, a free Plum Card and our best Cashback rates.

Here’s what you can expect from Plum Ultra:

• Our Visa debit card lets you spend money straight from Plum.
• Money Maximiser can help earn interest and manage your budget.
• Enhanced Cashback on purchases (+33% vs. Pro tier).
• More gamified deposit Rules, with the 1p Challenge (to set aside £667.95 in a year) and Naughty Rule (which deposits a set amount when you shop with a retailer you tell us makes you feel guilty).

Plum Premium (£9.99 per month)

When you subscribe to Premium you get absolutely everything! All of our Rules, investment options and automated tools. Complete your Plum experience with our best interest rate and our full range of stocks and funds.

Here’s what you can expect from Plum Premium:

• Access our best rate of interest (earn 3.51% AER)*.
• Invest in up to 3,000 company stocks, commission-free†, including more meme stocks, greater geographic diversification and a wider selection of the brands you know and use every day.
• Invest in our full range of 21 diversified funds‡, which offer opportunities for greater diversification through the inclusion of assets like Gold, Biotech and Real Estate.
• Automate your investing strategy, with Price Alerts to notify you when your chosen instrument reaches the desired price, and recurring buy orders to drip-feed money into your investments.

* Easy Access Interest Pockets are provided by Investec Bank Plc. and protected by the Financial Services Compensation Scheme (FSCS).

† Other fees apply. Capital at risk.

‡ Capital at risk.

To learn more about Plum you can check out our website.

The opinions expressed in this article are for general informational purposes only and should be used at your own risk. It’s your responsibility to evaluate the accuracy, timeliness and completeness of any information provided.

Plum does not provide investment or other advice and individual investors should make their own decisions or seek independent advice. If you invest, please remember that your capital is at risk and you could lose money. The value of your investments can go down as well as up.

You should not invest in, or deal in any financial product unless you understand its nature and the extent of your exposure to risk. When you automate and invest you should be satisfied that it suits you in light of your circumstances and financial position.

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