Saving money for the future can be a challenge.

But if you're keen to improve your financial position, we have an app full of smart features that have been designed to help 📲

Whether you're trying to clear debt, build an emergency fund to act as a financial buffer or invest your money via an accessible platform... Plum has you covered!

Capital at risk if you invest.

How can Plum Pro build on our Basic tier?

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, commission-free (other fees apply).

A Plum Pro subscription (regular price £2.99 per month, with a 1-month free trial) contains exclusive features that harness Behavioural Science research and use intelligent personalisation to help you score your goals quicker.

In addition to the smart stuff in our Basic tier, Plum Pro provides a better rate of interest, gamified deposit Rules, access to our introductory range of 13 investment funds, customisable Pockets and Cashback.

The benefits of a Plum Pro subscription

One of the most immediate and significant advantages of a Pro subscription is that it unleashes the full power of Pockets (your bank might call them a pot).

You can create and customise a Pocket for each of your saving targets to earn a better rate of interest versus our Basic tier and allocate specific monetary goals.

Saving in this way can make it easier to track progress and can actually help you set more money aside over time (compared to someone who doesn't set a goal), and with access to 2 extra exclusive Rules (The 52 Challenge and Rainy Days), Pro makes it easier to stay in control of the amount automatically deposited.

A Pro subscription also unlocks our introductory range of 13 investment funds (with up to 30 available for Premium subscribers and/or a Plum SIP Pension). Though, please remember that your capital is at risk if you invest.

Here’s an overview of everything you can expect from Plum Pro:

  • Get access to a better rate of interest (earn 3.20% AER).
  • Gamify 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 13 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.

What other Plum subscription tiers are available?

If you’re not sure that Plum Pro is for you (remember that your trial month is free, then you can still find a lot of cool stuff in our other tiers… and even the Basic version of Plum can make a powerful money management app!

Plum Basic (free)

Here’s what you can expect from the free version of the Plum app:

* 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 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 you earn more interest on your savings.
  • Manage your budget with our Spending Tracker.
  • 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! That’s all our Rules, investment options and automated tools. Complete your Plum experience with our best rate of interest and our full range of stocks and funds.

Here’s what you can expect from Plum Premium:

  • Access our best rate of interest (earn 3.82% 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.

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