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Frequently Asked Questions


Saving Investing Data & Security Your Account

How do I sign up?

There are two ways to sign up to Plum:

Our signup process has 2 main steps:

  • We collect information needed to open your account: In this step we collect your name, surname, nationality, age and address. All these are necessary for Plum to function fully.
  • We connect Plum to your bank account: Here we collect your online banking login details and securely forward them to our data aggregation partner, Yodlee. Note that we do not store your login details.

What happens after I sign up?

After you sign up, Plum will begin auto-saving for you. This means the following will happen:

  • A Direct Debit mandate will be installed on the bank account you have chosen to use with Plum. You should receive an email confirmation for this. Note that it can take up to 5 working days for your bank to approve this instruction.
  • Plum will connect to your bank account and analyse up to a year's worth of your transaction history.
  • After that, Plum will automatically save small and affordable amounts of money for you every 4-5 days. Each time Plum attempts to save it will have access to your latest balance and any new transactions, to ensure it's always aware of your latest financial situation. If you sign up for Plum Investments, you can tell Plum to invest your money as well.

In the meantime, feel free to play around with the chat commands by typing "commands", or by playing with the built-in menu (tap the 3 blue lines in the bottom corner to access it) in your conversation with Plum.

Can I sign up to Plum if I live outside of the UK?

For now we're only available for people that live in the UK, which means that you will need a UK postcode and bank account to sign up. If you wish, you can register interest for your country here.

How much does Plum cost?

Saving with Plum is free of charge and there are no additional costs for withdrawing money.

Plum Investments is a paid service. There is a monthly £1 fee for Plum Investments (charged only when you have money invested), a 0.15% fee on the value of your fund investments and a fund-specific management charge of up to 0.9%. If you would just like to put money aside with Plum, it’s free of charge.

You can read a detailed explanation about the fees of investing here.

How much does Plum cost?

Most definitely! When you sign up you get your own personal invite code which you can use to invite your friends. To see your code, type "invite" to Plum.