Plum is a personal finance app for saving, investing, and managing spending, with automated transfers from a connected current account. It reviews transactions and the account balance to work out an amount to set aside, then transfers savings by direct debit every 4–5 working days. Its listed rules include automatic saving, round-ups, weekly and payday settings, and no-spend rules; rainy-day rules are available on Pro and higher plans. Investment options listed across all plans include Plum Interest money market funds, US stocks, cryptocurrencies, and ETFs. Plum is available on Android and iOS in the UK, Ireland, France, Spain, Portugal, Italy, Belgium, the Netherlands, Greece, and Cyprus for users aged 18 or older. It supports only current accounts in the user's own name as primary linked accounts, not business, savings, or joint accounts. Basic is free; Pro is €3.99 per month, Boost is €7.99 per month, and Premium is €9.99 per month. A 30-day trial is listed. Plum says it uses read-only transaction access and encryption; its e-money products are not covered by FSCS.
Who it is for
Plum suits adults in its listed European countries who want automated saving alongside spending management and investment options. A primary linked account must be a current account in their own name.
What is good
- Automated savings transfers every 4–5 working days
- Automatic, round-up, weekly, payday, and no-spend rules
- Investment options appear on every plan
- Read-only bank transaction access, according to Plum
What to know first
- Business, savings, and joint accounts cannot be primary linked accounts
- E-money products are not FSCS covered
- Rainy-day rules require Pro or higher
Verdict
Plum combines automated saving, spending tools, and listed investment options in one app. Check that your account type and country are supported, and note that e-money products are not FSCS covered.
Plum plans and pricing
All plansCompared on automated savings apps
- Free plan
- Yes
- Card roundups
- Yes
- Scheduled transfers
- Yes
- Custom savings rules
- Yes
- Interest on savings
- Yes
- Withdrawal method
- instant
