Chime vs Plum
Chime
chime.com
Plum
withplum.comSide by side
| Figure | Chime | Plum |
|---|---|---|
| Price from | — | €3.99/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 0 | 4 |
| Spec score · Automated Savings Apps | 7.0 (#18) | 7.9 (#10) |
| Platforms | iOS, Android and web (the App Store and Google Play listings show iOS and Android). | Plum says it supports Android and iOS and is not supported on computers or a web version. |
| Product | Chime's App Store listing says its members bank fee-free; conditions apply (Chime footnote, could not read). | Plum is a personal finance app for saving, investing, and managing spending with automation. |
| Saving rules | Route a percentage of each direct deposit into savings automatically. | 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. |
Plans
In their own words
Plum
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.