Tech riderRev. 30 Sept 2026

Plum

Ch 027.5of 17Automated Savings Apps

1Runs onAndroid, iOS
2CostsFree plan · free trial · paid from €3.99/mo
3Card roundupsYes
4Scheduled transfersYes
5Custom savings rulesYes
6Interest on savingsYes
7Withdrawal methodinstant

7 lines stated Written from the maker's own pages: withplum.com, help.withplum.com

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Overview

Plum is a personal finance app for saving, investing, and managing spending through 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; rainy-day rules start with Pro. Investment options listed across all plans include Plum Interest money market funds, US stocks, cryptocurrencies, and ETFs. Plum is available on iOS and Android in the UK, Ireland, France, Spain, Portugal, Italy, Belgium, the Netherlands, Greece, and Cyprus for users aged 18 or older. Basic is free; Pro costs €3.99 monthly, Boost €7.99 monthly, and Premium €9.99 monthly. A 30-day trial is listed. Only current accounts in the user's own name are supported as primary connections; business, savings, and joint accounts are not. Plum says it uses read-only transaction access and encryption, and that its e-money products are not covered by FSCS.

Who it is for

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

What is good

Automatically calculates savings from linked transactions and balance.
Includes round-up, weekly, payday, and no-spend rules.
Lists funds, US stocks, cryptocurrencies, and ETFs on every plan.
Available on iOS and Android.
A free Basic plan and 30-day trial are listed.

What to know first

Business, savings, and joint accounts are unsupported as primary accounts.
Rainy-day rules require Pro or higher.
E-money products are not FSCS covered.
Users must be at least 18.

Verdict

Plum combines automated saving with spending and investment options, with a free entry tier and paid plans starting at €3.99 monthly. Its account-linking limits and the stated FSCS exclusion for e-money products are important considerations.

Plum plans and pricing

All plans

Basic Free Free 1 pocket · limited spend tracker · no pocket goals help.withplum.com · 30 Sept 2026

Pro €3.99/mo €3.99 monthly Primary + 3 pockets · limited spend tracker · pocket goals help.withplum.com · 30 Sept 2026

Boost €7.99/mo €7.99 monthly Primary + 15 pockets · full spend tracker · price alerts · recurring investments help.withplum.com · 30 Sept 2026

Premium €9.99/mo €9.99 monthly Primary + 15 pockets · full spend tracker · price alerts · recurring investments · priority support help.withplum.com · 30 Sept 2026

Compared on automated savings apps

Free plan: Yeswithplum.com
Card roundups: Yeswithplum.com
Scheduled transfers: Yeswithplum.com
Custom savings rules: Yeswithplum.com
Interest on savings: Yeswithplum.com
Withdrawal method: instantwithplum.com

Facts

Product: Plum is a personal finance app for saving, investing, and managing spending with automation.help.withplum.com · 30 Sept 2026
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
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
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
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
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
Platforms: Plum says it supports Android and iOS and is not supported on computers or a web version.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
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
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
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