Plum

Free plan AndroidiPhone

What Plum is

Plum is a personal finance app for saving, investing, and managing spending with automation. It reviews transactions and balances from a supported current bank account in the user's own name, calculates an amount to set aside, and transfers savings by direct debit every 4–5 working days. Listed saving rules include automatic, round-up, weekly, payday, and no-spend options on all four plans; rainy-day rules start with Pro. The plan comparison lists Plum Interest money market funds, US stocks, cryptocurrencies, and ETFs on every plan. In Spain, listed Open Banking connections include BBVA, Santander, CaixaBank, ING, N26, Revolut, and Wise. Plum is available on Android and iOS in the UK, Ireland, France, Spain, Portugal, Italy, Belgium, the Netherlands, Greece, and Cyprus for people aged 18 or older. Basic is free; Pro costs €3.99 a month, Boost costs €7.99 a month, and Premium costs €9.99 a month. A 30-day trial is listed. Plum says it uses read-only transaction access and encryption; it also notes its e-money products are not FSCS covered.

Who it suits

Plum may suit adults in its supported countries who want automated saving alongside spending tools and investment options. It requires a supported current account in the user's own name as the primary connected account.

What it does well

Automates transfers every 4–5 working days
Offers several savings rules
Lists funds, stocks, cryptocurrencies, and ETFs
Available on Android and iOS
Basic plan is free

What to know first

Business, savings, and joint accounts are unsupported as primary accounts
Available only in listed countries to users aged 18 or older
E-money products are not FSCS covered
Pro costs €3.99 a month

Limits

Basic includes one pocket, a limited spend tracker, and no pocket goals. Rainy-day saving rules are available on Pro and higher plans; Pro includes a limited spend tracker, while full spend tracking is listed for Boost and Premium.

Plans

Plan	Billed and limits	Price
Basic	Free · 1 pocket · limited spend tracker · no pocket goals	Free
Pro	€3.99 monthly · Primary + 3 pockets · limited spend tracker · pocket goals	€3.99 a month
Boost	€7.99 monthly · Primary + 15 pockets · full spend tracker · price alerts · recurring investments	€7.99 a month
Premium	€9.99 monthly · Primary + 15 pockets · full spend tracker · price alerts · recurring investments · priority support	€9.99 a month

As withplum.com lists them, read 30 Sept 2026. The maker's own page has the final word.

Getting started

Check that you are 18 or older and in a supported country.
Install Plum on Android or iOS.
Connect a supported current account in your own name.
Choose a plan; Basic is free and a 30-day trial is listed.
Set saving rules and review the available investment options.

Verdict

Plum combines automated savings with spending tools and investment options across its plans. Check supported account types and country availability, and note that its e-money products are not FSCS covered.

Questions

Is Plum free?

Yes. Basic is listed as free. Paid plans are also available, and a 30-day trial is listed.

How much do the plans cost?

The pricing note says paid plans start at £3.99/mo. The plan details list Pro at €3.99 monthly, Boost at €7.99 monthly, and Premium at €9.99 monthly.

Which devices can I use Plum on?

Plum is listed for Android and iOS.

Where is Plum available?

It is listed in the UK, Ireland, France, Spain, Portugal, Italy, Belgium, the Netherlands, Greece, and Cyprus for users aged 18 or older.

What bank accounts can I connect?

Only current accounts in the user's own name are supported as the primary connected account. Business, savings, and joint accounts are unsupported for that purpose.

Are Plum's e-money products covered by FSCS?

No. Plum says e-money products are not FSCS covered and that funds are held in segregated accounts under safeguarding rules.

Facts from Plum's own pages

Automatic saving: Plum analyzes linked bank transactions and balance to calculate amounts it can put aside, transferring savings by direct debit every 4–5 working days. · help.withplum.com, 30 Sept 2026
Bank connection: In Spain, Plum supports Open Banking with listed banks including BBVA, Santander, CaixaBank, ING, N26, Revolut, and Wise. · help.withplum.com, 30 Sept 2026
Bank-linking limits: The maker says only current bank accounts in the user's own name are supported, while business, savings, and joint accounts are unsupported as primary connected accounts. · help.withplum.com, 30 Sept 2026
Company history: Plum's about page says its founders' saving challenge began in 2014 and that the company is based in London with offices in Athens and Nicosia. · withplum.com, 30 Sept 2026
Customer support: The Spain homepage says support is available seven days a week through the app or by email at [email protected]. · withplum.com, 30 Sept 2026
Founded: 2016 · withplum.com, 23 Sept 2026
Headquarters: London, United Kingdom · withplum.com, 23 Sept 2026
Investments: The EU plan comparison lists Plum Interest money market funds, US stocks, cryptocurrencies, and ETFs on every plan. · help.withplum.com, 30 Sept 2026
Platforms: Plum says it supports Android and iOS and is not supported on computers or a web version. · help.withplum.com, 30 Sept 2026
Product: Plum is a personal finance app for saving, investing, and managing spending with automation. · help.withplum.com, 30 Sept 2026
Regulatory status: Plum says it is registered with the UK Information Commissioner's Office and identifies its regulated payment and investment entities in its company disclosures. · withplum.com, 30 Sept 2026
Safeguarding limits: Plum says e-money products are not FSCS covered and funds are held in segregated accounts under safeguarding rules. · withplum.com, 30 Sept 2026
Saving rules: The EU comparison lists automatic, round-up, weekly, payday, and no-spend rules on all four plans; rainy-day rules are on Pro and above. · help.withplum.com, 30 Sept 2026
Security: Plum says it does not store or access bank login details, uses read-only transaction access, AES encryption for sensitive data, and 256-bit TLS for browser-server communications. · help.withplum.com, 30 Sept 2026
Supported countries: The app is listed as available in the UK, Ireland, France, Spain, Portugal, Italy, Belgium, Netherlands, Greece, and Cyprus, for users aged 18 or older. · help.withplum.com, 30 Sept 2026

Where Plum stands on Freedom251

Savings Apps#4 of 13
Automated Savings Apps#10 of 17