Plum is an app that can help you make your money go further.

We describe Plum as the ultimate money management app because it's a budget app, investment app and money-saving app, all in one.

Once you connect your bank accounts and credit cards, Plum can adapt to you. Putting you in the driving seat of your finances by letting you automate aspects of the strategy that you put in place.

Even the Basic (free) version of Plum lets earn 3.51% AER* in a FSCS-protected savings pocket, automate deposits with smart AI, invest in Plum Interest to earn a projected yield of 5.00% VAR† and trade 1,200+ company stocks, commission-free‡.

But what do we offer a customer who wants to take their personal finances to the next level?

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

† Variable APR (Annual Percentage Rate) projection correct as at 20/11/23. The projected return is shown after fees (net). A projection is not a reliable indicator of future performance. Returns are not guaranteed.

‡ Other fees apply.

Capital at risk if you invest.

How Plum Premium can build on other tiers

When you subscribe to Premium you get absolutely everything... That's all our Rules, investment options and automated tools.

You can find more about the features available through our Basic, Pro and Ultra tiers, but some of them include:

Plum Basic: Earn 3.51% AER* in a FSCS-protected savings pocket, automate deposits with smart AI, invest in Plum Interest to earn a projected yield of 5.00% VAR† and trade 1,200+ company stocks, commission-free‡.

Plum Pro: Use more exclusive Rules (52 Week Challenge and Rainy Days), earn a better rate (3.72% AER*) for your customisable FSCS-protected savings Pockets and choose from 17 investment funds.

Plum Ultra: Access our most advanced budgeting tools, like Spend Tracker, order your free Plum debit card and add our 1p Challenge and Naughty Rule to the range of deposit Rules available.

So, in addition to all that, with a Plum Premium subscription (regular price is £9.99 per month, with a 1-month free trial) you get access to a lot more.

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

† Variable APR (Annual Percentage Rate) projection correct as at 20/11/23. The projected return is shown after fees (net). A projection is not a reliable indicator of future performance. Returns are not guaranteed.

‡ Other fees apply.

Capital at risk if you invest.

What are the benefits of Plum Premium?

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:

  • Our best rate (4.21% AER)* for your FSCS-protected savings pockets
  • Receive a discount on the investing fees you pay for Plum Interest (the net yield is currently 5.15% VAR† for Premium subscribers).
  • 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 26 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 the investments you’ve selected.

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

† Variable APR (Annual Percentage Rate) projection correct as at 20/11/23. The projected return is shown after fees (net). A projection is not a reliable indicator of future performance. Returns are not guaranteed.

‡ Other fees apply. Capital at risk.

Capital at risk if you invest.

What about the other Plum tiers?

If you’re not sure that Plum Premium is right for you (remember that you can try it free for one month), there are still a lot of features packed into our other subscription tiers. And even the basic version of Plum can make a powerful money management app 💪

Plum Basic (free)

Even the Basic (free) version of Plum lets you save money in an FSCS-protected Pocket, automate deposits 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 3.51% AER* with 1 FSCS-protected Pocket.
  • Automate deposits with our AI Algorithm, Round-Ups and Pay Days.
  • Invest with Plum Interest to get a projected yield of 5.00% VAR†
  • Choose from 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.
  • Unlimited withdrawals, with no hidden charges or fees.
  • Use the Splitter to divide deposits between savings and investments

Plum Pro (£2.99 per month)

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

Here’s what you can expect from Plum Pro:

  • Get access to a better rate (earn 3.72% AER*) for your FSCS-protected savings pockets.
  • 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 15 extra Interest Pockets* and set goals.
  • Choose from our range of 17 diversified investment funds
  • Use the Splitter to automatically apportion your deposits between savings and investments.

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 and a free Plum Visa debit card.

Here’s what you can expect from Plum Ultra:

  • Our Visa debit card lets you spend money straight from Plum.
  • Money Maximiser can help you earn more interest on your savings.
  • Manage your budget with our Spend Tracker.

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).

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

† Variable APR (Annual Percentage Rate) projection correct as at 20/11/23. The projected return is shown after fees (net). A projection is not a reliable indicator of future performance. Returns are not guaranteed.

‡ Other fees apply. Capital at risk.

Capital at risk if you invest.

If you’re comparing the best subscription apps, you can read more about how Plum works by visiting our blog.

You can find the Plum in the personal finance app section of app stores or download directly using this link:

Download Plum