N26 vs Plum

N268.6Visit Plum7.9Visit

Higher score N26 #2 in Savings Apps 8.6/10 Free plan Free plan✓ 4 of 4 features Visit N26

vs

Plum #5 in Savings Apps 7.9/10 Free plan · 30-day trial Free planFree trial✓ 0 of 4 features Visit Plum

• N26 fits best

  N26 customers automating savings into shared Spaces

• Plum fits best

  UK users seeking automated saving and investing

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Side by side

Feature	N26 8.6/10 Visit ↗	Plum 7.9/10 Visit ↗
At a glance
Editor score	8.6	7.9
Ranking	#2 in Savings Apps	#5 in Savings Apps
Best for	N26 customers automating savings into shared Spaces	UK users seeking automated saving and investing
Pricing model	Free plan + paid	Free plan + paid
Starting price	—	£3.99/mo
Free plan	✓	✓
Free trial	—	30 days
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	iOS, Android, Web	iOS, Android
Support	Live chat, Docs	Email, Live chat, Docs
Compliance	GDPR, 2FA	GDPR
Built for	Solo, Small business	Solo, Small business
Features N26 4/4 · Plum 0/4
Round-up saving	✓ (best)	Not checked yet
Scheduled transfers	✓ (best)	Not checked yet
Savings goals	✓ (best)	Not checked yet
Shared goals	✓ (best)	Not checked yet
Specs
Savings account access	Both	Not checked yet
Withdrawal timing	Instant	Not checked yet
Our review
Pros	Round eligible card payments into a selected Space Automate transfers with Rules and income allocation with Income Sorter Shared Spaces let N26 customers save together	Automatic deposits, round-ups and scheduled saving rules Savings Pockets, Cash ISA, money-market products and investments Free Basic tier with iOS and Android apps
Cons	Savings tools are tied to an N26 account Shared Spaces require other N26 customers Features and eligibility vary by country and account	Advanced rules and higher-rate options require paid plans Pricing and feature availability vary by region Withdrawal timing depends on the savings product
Our verdict	N26 is a digital bank with savings tools for people who want to organize money and automate transfers within their account. Its Spaces act as subaccounts for goals, while Round-Ups move the difference from eligible card purchases into a… Read the review →	Plum is a personal finance app for people who want to automate saving, investing and budgeting from a connected bank account. It analyzes financial activity to trigger automatic deposits, while round-ups, weekly deposits and PayDay… Read the review →

Strengths and trade-offs

• N26 — where it wins

  • Round eligible card payments into a selected Space
  • Automate transfers with Rules and income allocation with Income Sorter
  • Shared Spaces let N26 customers save together

  Where it doesn't

  • Savings tools are tied to an N26 account
  • Shared Spaces require other N26 customers
  • Features and eligibility vary by country and account

• Plum — where it wins

  • Automatic deposits, round-ups and scheduled saving rules
  • Savings Pockets, Cash ISA, money-market products and investments
  • Free Basic tier with iOS and Android apps

  Where it doesn't

  • Advanced rules and higher-rate options require paid plans
  • Pricing and feature availability vary by region
  • Withdrawal timing depends on the savings product

• N268.6/10 · Free plan

  A bank account with automated savings tools, best suited to existing N26 customers.

  Visit N26Full verdict →
• Plum7.9/10 · Free plan · 30-day trial

  A broad UK savings app combining automatic deposits, investing and goal-based Pockets.

  Visit PlumFull verdict →