Plum review
A broad savings and investing app with free automation and tiered upgrades.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Plum is a personal finance app for people who want to automate saving, investing and budgeting. It connects to a bank account, analyzes financial activity and can make automatic deposits, round-ups and scheduled transfers. Users can organize money into goal-based Pockets, access interest-bearing savings products, and explore investments including stocks, funds and pensions. A Plum Visa Debit Card is also available, depending on location and subscription. The app supports iOS and Android.
The UK plans provide a clear progression from free automation to paid saving, investing and spending features. Basic costs £0 per month and includes automatic deposits, round-ups, weekly and PayDay deposits, one interest-bearing Pocket, Cash ISA and Plum Interest. Plus costs £3.99 per month and adds custom saving rules, mutual funds and a limited Spend Tracker. Boost costs £7.99 per month and adds up to 15 customizable Pockets, the Plum Debit Card, a full Spend Tracker, advanced mutual funds and improved Pocket and MMF rates. Max costs £14.99 per month and adds the maximum Pocket and MMF rate, 95-Day Notice Accounts and listed partner benefits. Paid tiers are advertised as free to try for 30 days.
Plum’s main strength is breadth: one app combines bank-activity saving, card and bank-transaction round-ups, scheduled automations, goals, savings products, investments and spending tools. Splitter can automate allocation of deposits, while the higher tiers add more control over Pockets and investing. That range suits people seeking a single place for automated saving and investing rather than a narrowly focused savings tool. The trade-off is a subscription ladder for several advanced capabilities, and product availability depends on location and subscription. Choose Plum for broad automation across savings and investments; consider another option if you need a simpler free-only setup or a single-purpose savings app.
Plum pros and cons
- Where it wins
- Automatic deposits, round-ups and scheduled saving rules
- Interest-bearing Pockets, Cash ISA and money-market products
- iOS and Android apps with instant withdrawals available
- Where it doesn't
- Many advanced features require a paid subscription
- Basic includes only one interest-bearing Pocket
- Pricing and features vary by region and savings product
Plum fact sheet, pricing and score →
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