HELPING YOU GROW YOUR
MONEY FOR LIFE
Whether you’re setting money aside for a rainy day, investing for the future, or saving for something special, we’re here to help you take control, one small step at a time.
Introducing Improv Your Finances, our joke book about money
Whether you’re setting money aside for a rainy day, investing for the future, or saving for something special, we’re here to help you take control, one small step at a time.
A single pound invested today or a shift in your habits could create real financial progress.
Whether you’re building up gradually or making the most of your ISA allowance, Plum’s smart automations and intuitive tools handle the hard parts, so you don’t have to.
The Plum story
Back in 2014, two Cypriot friends, Victor and Alex, set a challenge: who could save more? Victor followed the usual advice: setting a budget and moving money into a savings account. Alex, on the other hand, built an algorithm to do it for him.
Spoiler alert: the algorithm won. That got them thinking. Why was managing money still so manual, relying on willpower, spreadsheets and outdated tools?
Plum was born to change that.
Today. we help millions of people take control of their money. Based in London, with offices in Athens and Nicosia, we offer smart tools for saving, investing and budgeting, powered by the same tech that started it all.
But Plum’s not just about numbers. It’s about turning small steps into big milestones, whether that’s a first home, a dream trip, or financial freedom. Whatever’s next for you, Plum helps make it happen.
Voted Best Personal Finance App in 2023. Loved by over 2 million. And just getting started.
Whether you’re at the start of your money journey or consider yourself a pro, Plum’s here to help – from the pennies right up to the pounds.
We’re just like any other savings provider, except we’re not. We help make saving a habit, not a chore.
It’s free to download and start saving, but you can unlock even more features when you upgrade.
Before you know it, you’ll have better money habits without even thinking about it.
Download the app
It only takes a minute!
Connect your bank
A secure link-up so Plum can do its thing on autopilot
Pick your money moves
Automate deposits, invest, or stash cash in a high-interest Pocket
Watch it grow
Track progress, set goals, and tweak things anytime
Keeping your money safe is just as important as helping it grow.
Bank-grade protection
Your money is safeguarded in separate accounts, and we use advanced security measures to keep your data safe.
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FSCS protection
Eligible deposits in a Plum Cash ISA or Easy Access Interest Pocket is protected up to £85,000 per eligible person by the Financial Services Compensation Scheme (FSCS).
Smart saving since 2016
For nearly ten years, we've been helping people grow their money for life with less effort and more confidence. It's the Plum way.
Bank-grade protection
Your money is safeguarded in separate accounts, and we use advanced security measures to keep your data safe.
FSCS protection
Eligible deposits in a Plum Cash ISA or Easy Access Interest Pocket is protected up to £85,000 per eligible person by the Financial Services Compensation Scheme (FSCS).
Smart saving since 2016
For nearly ten years, we've been helping people grow their money for life with less effort and more confidence. It's the Plum way.
Here's how your money’s protected in different Plum products:
Money type | Where it’s held | Protection level |
Cash ISA | Citibank, QNB & Lloyds Bank | FSCS up to £85,000 per bank |
Easy Access Interest Pockets | Investec Bank Plc | FSCS up to £85,000 |
95-Day Notice Pocket | Investec Bank Plc | FSCS up to £85,000 |
Primary Pockets (E-Money) | Modulr FS Ltd (E-Money Provider) | Safeguarded (FCA Regulations), but NOT FSCS protected |
Plum Interest | Qualifying Money Market Fund (QMMF) held at Blackrock. | Segregated under CASS rules, FSCS may apply |
Stock Investments | Held via Alpaca (US brokerage) | SIPC protection up to $500,000 per client |
We believe in being upfront about the risks involved in managing money, so you can make informed choices with confidence. Here’s a quick guide to some of the key risks you’ll see across Plum:
Risk warning | What it means | Where you’ll see it |
Plum is not a bank | We help you manage your money, but we don’t hold your cash like a traditional bank. Instead, we work with regulated financial institutions to store or invest it. | In our savings products, like our Cash ISA, Lifetime ISA, or Interest Pockets. |
Capital at risk | Some of your money could lose value, depending on where it’s held. This mainly applies to investments, where market changes can affect how much your money is worth. | In investment products, like our Stocks & Shares ISA, Mutual Funds, stocks, and funds. |
The value of investments can go down as well as up | Investing isn’t a one-way street. Your investments might grow, but they could also shrink, meaning you might get back less than you put in. | In investment products, like our Stocks & Shares ISA, Mutual Funds, stocks, and funds. |
The rate Plum offers may change in the future | Interest rates aren’t fixed forever as they’re based on the rise or fall of the Bank of England’s base rate. If you’re earning a percentage on savings or investments, that rate could go up or down over time. | When we mention an interest rate on savings products like our Cash ISA, 95-Day Notice Pocket or Plum Interest. |
Forecasts are not a reliable indicator of future performance | Just because something has performed well in the past doesn’t mean it will in the future. Predictions can help, but they’re never a guarantee. | In investment products, like our Stocks & Shares ISA, Mutual Funds, stocks, and funds. |
Returns are not guaranteed | You might make a profit, but there’s no promise. Unlike a savings account with a set interest rate, investment returns depend on market conditions. | In investment products, like our Stocks & Shares ISA, Mutual Funds, stocks, and funds. |
Join 2 million people already using Plum to grow their money, stress-free. Download the app now and take your first step towards growing money for life.
