Plum – your money's best friend.

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We’ve got an exclusive offer for you. Sign up now and start your saving with a free £5 from us! Whatcha waiting for? Let’s get saving!

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Hey there, MoneySavingExpert reader 👋

Exclusive offer! If you sign up now, you'll earn 1.5% on the money you automatically save with Plum over the first 6 months. Watcha waiting for?

Terms & conditions apply.

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As an exclusive offer, if you sign up now you'll be the first to get access to investing once in beta. Skip the queues!

Invest your Plum savings

We've partnered with RateSetter, one of the biggest peer-to-peer lending platform in the UK, so you can simply invest your Plum savings and earn 3% interest*.

Sign up now

* 3% p.a not guaranteed but Rolling Market average for 2016. Rolling Market rate, pre-tax, assumes re-investment and no early repayment. Over 18s only.
Capital at risk. No FSCS cover. Instant access not guaranteed. All communication on the Ratesetter product by Plum has been approved by Ratesetter as an authorised person (FCA Reference 722768).

Invest your Plum savings

Invest part (or all, even) of your Plum savings with a single chat command. Your savings will be invested at RateSetter and will earn interest on a monthly basis. It's really that easy.

How will my savings be invested?

Quick and easy cash outs

You can access your money at RateSetter whenever you feel like it (subject to market liquidity), with no exit fees. We will take care of transferring the money back to your Plum savings within 4-5 days.

Everything in one place

All you need to know is a message away. See your savings and investments side by side, with details on transactions, interest rate and accumulated interest.

The nitty gritty

Peer-to-peer lending

Peer-to-peer lending is a rapidly growing, FCA-regulated form of investing in which people with money who are looking to achieve an interest return are able to lend collectively to credit-checked individuals and business who are looking to borrow.


RateSetter is a one of the biggest peer-to-peer lenders in the UK. They've been around since 2009 and have invested a total of £1.8 billion in peer-to-peer loans so far.

Exposure & Risk

By investing via RateSetter, you are lending your money to a number of people that wish to borrow on RateSetter, some of which may not pay back their loans. To mitigate this risk, RateSetter has introduced a number of provisions, like thorough credit-checking, loan diversification and the Provision Fund.