Access exclusive features with a Plum Pro subscription

Susanna -

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 17 investment funds and customisable Pockets.

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 17 investment funds (with up to 34 available for Premium subscribers and).

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.

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

Capital at risk if you invest.

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 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

* 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 shown is 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.

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.
  • Spend Tracker 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).

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:

  • 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 if you invest.

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