Find out more about the Plum Cash ISA (Ts&Cs and ISA rules apply).
Our Fees
Effective from February 27th, 2026.
Money Market Funds (Plum Interest)
Plum Stock Investing (Individual Stocks)
Self Invested Pension Plan (SIPP)
This page explains all the fees and charges you'll pay when using Plum's investment services. Understanding these costs helps you make informed decisions and compare our services with other providers.
We're required by the Financial Conduct Authority (specifically COBS rules 2.2A and 6.1ZA) to clearly explain all costs and charges before we provide investment services to you. This ensures you understand exactly what you're paying for and how these costs might affect your investment returns.
Fee Components
Illustrations and Estimated Costs
Wherever possible, we provide illustrations of these costs in both pound (£) amounts and percentages (%) to help you visualise their impact.
Because third-party fees vary based on the specific underlying funds and providers, these figures are often estimates. For the most accurate and up-to-date information regarding a specific fund's costs, we strongly encourage you to review its Key Investor Information Document (KIID).
By showing both our distribution fees and the available third-party charges, we aim to provide a comprehensive view of your anticipated investment costs, even as specific fund expenses may fluctuate.
How we disclose costs to you
Financial services regulations require us to provide you with cost information at two different points in your investment journey. This is designed to help you make informed decisions and understand the actual impact of fees on your investments.
These upfront estimates give you the information you need to choose the right products and understand potential costs before you invest.
This annual statement shows your real costs (not estimates), helping you understand the true impact of fees on your investments and make decisions about whether to continue, switch products, or change your investment approach. Your personalised ex-post statement will be provided to you after the end of each calendar year, covering all investment activity from 1 January to 31 December.
Your Plum subscription tier determines the features and benefits you access within your Plum account, which is provided by Plum Fintech Limited. Plum offers four subscription tiers; Basic, Plus, Boost, and Max, each is designed to suit different customer needs and investment activity levels.
How Subscription Tiers Impact Your Investment Costs
Different subscription tiers come with different pricing for investment services. Where subscription tier pricing affects your investment costs, this is fully disclosed in the relevant product section below (Section 3 - Fees by Product).
The total annual subscription fee you'll pay is included in the cost tables below, but please note that each subscription tier is priced based on various services and perks available within that tier. For more information about all the benefits included in your subscription, please visit the Plum Plans page.
Below, we explain the costs and charges associated with each investment product we offer. Each product section is structured the same way to make it easy for you to:
Each section includes:
Actual costs may vary depending on:
These illustrations are designed to help you understand typical costs, not predict your exact costs.
A tax-free savings account provided by Saveable Limited, allowing you to earn interest on your cash without paying tax on the interest earned. You can save up to £20,000 in the current tax year (2025/26) across all your ISAs. Your money is protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per eligible deposit.
No fees apply to the Plum Cash ISA.
A tax-free savings account provided by Saveable Limited, allowing you to earn interest on your cash without paying tax on the interest earned. You can save up to £20,000 in the current tax year (2025/26) across all your ISAs. Your money is protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per eligible deposit.
No fees apply to the Plum Cash ISA.
A short-term investment in the BlackRock ICS Sterling Liquidity Fund (Low Volatility Net Asset Value MMF). This fund is designed as a cash management tool that aims to preserve capital while generating interest based on prevailing money market rates. The fund offers daily access to your money and is managed by BlackRock Fund Advisors.
Fee Type | Basic Plan | Plus Plan | Boost Plan | Max Plan | When Charged |
Plum Service Fee | 0.93% | 0.47% | 0.19% | 0.00% | Collected monthly |
BlackRock™ Management Fee | 0.10% annually | 0.10% annually | 0.10% annually | 0.10% annually | Collected monthly directly from the fund |
Transaction Fees | £0 | £0 | £0 | £0 | No deposit or withdrawal fees |
Total Annual Fee | 1.03% | 0.57% | 0.29% | 0.10% | - |
Example scenario: £1,000 lump sum investment held for 12 months:
Subscription Tier* | Plum Service Fee | BlackRock™ Management Fee | Total Annual Product Costs |
Basic | £9.30 (0.93%) | £1.00 (0.10%) | £10.30 (1.03%) |
Plus | £4.70 (0.47%) | £1.00 (0.10%) | £5.70 (0.57%) |
Boost | £1.90 (0.19%) | £1.00 (0.10%) | £2.90 (0.29%) |
Max | £0.00 (0.00%) | £1.00 (0.10%) | £1.00 (0.10%) |
*Note: Subscription tier fees (Basic: £0/year, Plus: £47.88/year, Boost: £95.88/year, Max: £179.88/year) apply separately to your Plum account and cover access to all Plum services, not just this investment product. See Section 2 for more detail.
Assumptions:
A tax-efficient investment account, allowing you to build a portfolio of funds. You can invest up to £20,000 per tax year (2025/26) without paying tax on investment gains or income. This means any dividends, interest, or capital gains you earn are completely tax-free. The ISA is provided by Saveable Limited (FCA: 739214), which manages the product as ISA manager and provides dealing and custody services. Quai Administration Services Limited handles day-to-day administration on behalf of Saveable.
Fee Type | Basic Plan | Plus Plan | Boost Plan | Max Plan | When Charged |
Management Fee | 0.60% | 0.45% (0.15% Rebate to Primary Pocket) | 0.30% (0.30% Rebate to Primary Pocket) | 0.15% (0.45% Rebate to Primary Pocket | Collected monthly (Rebate paid to Primary Pocket) |
Fund Manager Fee* | Varies by fund | Varies by fund | Varies by fund | Varies by fund | Collected monthly directly from Fund |
Dealing Fees | £0 | £0 | £0 | £0 | No deposit or withdrawal fees |
ISA Transfer-In Fee | £0 | £0 | £0 | £0 | - |
ISA Transfer-Out Fee | £0 | £0 | £0 | £0 | - |
*Other charges may apply see fund manager KIID for more information.
Example scenario: £1,000 lump sum investment held for 12 months:
Subscription Tier* | Plum Service Fee | Plum Rebate to Primary Pocket | Management Fee (Illustrative Example) | Total Annual Product Costs |
Basic | £6.00 (0.60%) | £0 (0.00%) | £1.50 (0.15%) | £7.50 (0.75%) |
Plus | £6.00 (0.60%) | +£1.50 (0.15%) | £1.50 (0.15%) | £6.00 (0.60%) |
Boost | £6.00 (0.60%) | +£3.00 (0.30%) | £1.50 (0.15%) | £4.50 (0.45%) |
Max | £6.00 (0.60%) | +£4.50 (0.45%) | £1.50 (0.15%) | £3.00 (0.30%) |
*Note: A fund management fee of 0.15% has been used for the purposes of this example. Fund charges can differ depending on your fund choice.
Assumptions:
A flexible investment account, allowing you to build a portfolio of funds and shares. Unlike our Stocks and Shares ISA, there is no annual contribution limit, meaning you can invest as much as you like. However, this account does not offer tax benefits; any dividends, interest, or capital gains you earn may be subject to tax depending on your personal circumstances. The GIA is provided by Saveable Limited (FCA: 739214), which provides dealing and custody services. Quai Investment Services Limited handles day-to-day administration and custody of assets on behalf of Saveable.
Fee Type | Basic Plan | Plus Plan | Boost Plan | Max Plan | When Charged |
Management Fee | £6.00 (0.60%) | £4.50 (0.45%) | £3.00 (0.30%) | £1.50 (0.15%) | Collected monthly |
Fund Manager Fee | Varies by Fund | Varies by Fund | Varies by Fund | Varies by Fund | Collected monthly |
Dealing Fees | £0 | £0 | £0 | £0 | No deposit or withdrawal fees |
Example scenario: £1,000 lump sum investment held for 12 months:
Subscription Tier* | Plum Service Fee | Plum Rebate to Primary Pocket | Management Fee (Illustrative Example) | Total Annual Product Costs |
Basic | £6.00 (0.60%) | £0 (0.00%) | £1.50 (0.15%) | £7.50 (0.75%) |
Plus | £6.00 (0.60%) | +£1.50 (0.15%) | £1.50 (0.15%) | £6.00 (0.60%) |
Boost | £6.00 (0.60%) | +£3.00 (0.30%) | £1.50 (0.15%) | £4.50 (0.45%) |
Max | £6.00 (0.60%) | +£4.50 (0.45%) | £1.50 (0.15%) | £3.00 (0.30%) |
*Note: A fund management fee of 0.15% has been used for the purposes of this example. Fund charges can differ depending on your fund choice.
Assumptions:
An investment account dedicated to trading individual company shares, primarily US stocks. You can buy fractional shares starting from as little as £2. The service is provided by Saveable Limited (FCA: 739214), which acts as the arranger of your trades. Saveable Limited’s role is to receive your instructions and transmit your orders to Alpaca Securities LLC for execution. Alpaca Securities LLC, a US-regulated broker-dealer, executes the trades and holds the stock assets in custody on your behalf.
Fee Type | Basic Plan | Plus Plan | Boost Plan | Max Plan | When Charged |
FX Fee | 0.60% | 0.45% | 0.30% | 0.15% | Collected per trade |
Trade Fee | 2 Free (lifetime) then £0.50 | 2 Free (lifetime) then £0.15 | 2 Free (lifetime) then £0.05 | £0 | Collected per trade |
Recurring Trade | £0 | £0 | £0 | £0 | N/A |
SEC Fee | $13.80 per $1M | $13.80 per $1M | $13.80 per $1M | $13.80 per $1M | Collected on Sells |
FINRA TAF | $0.000195 / share | $0.000195 / share | $0.000195 / share | $0.000195 / share | Collected on Sells |
CAT Fee | ~$0.0000265 / share | ~$0.0000265 / share | ~$0.0000265 / share | ~$0.0000265 / share | Collected on Buys & Sells |
*Includes mandatory US regulatory fees (SEC, FINRA TAF, and CAT) which are passed through at cost on relevant trades. Click here for more details.
Example scenario: This assumes you buy 10 shares at $100 ($1,000 total) and sell them at the same price. Stock prices fluctuate in real-time. The table below assumes the stock is bought and sold at the exact same price ($1,000 total value) for illustrative purposes only to demonstrate fee mechanics.
Transaction Phase | Fee Type | Basic | Plus | Boost | Max |
Buy | Buy FX Fee | $6.00 | $4.50 | $3.00 | $1.50 |
Trade Fee | £0.50* | £0.15* | £0.05* | £0.00 | |
CAT Fee | $0.01 | $0.01 | $0.01 | $0.01 | |
Sell | Sell FX Fee | $6.00 | $4.50 | $3.00 | $1.50 |
Trade Fee | £0.50* | £0.15* | £0.05* | £0.00 | |
SEC Fee | $0.14 | $0.14 | $0.14 | $0.14 | |
FINRA TAF | $0.01 | $0.01 | $0.01 | $0.01 | |
CAT Fee | $0.01 | $0.01 | $0.01 | $0.01 | |
Total Cost | $13.17 | $9.47 | $6.27 | $3.17 | |
**Assumes the two "lifetime free" trades have already been used. Trade Fees are billed in GBP, while FX and Regulatory fees are billed in USD. The estimated total assumes a 1:1 currency parity for illustrative simplicity.
Assumptions:
The Plum Self-Invested Personal Pension (SIPP) is a tax-efficient pension account provided by Saveable Limited and managed by Quai Investment Services Limited (QISL), allowing you to save and invest for your retirement with tax relief on contributions.
Fee Type | Basic Plan | Plus Plan | Boost Plan | Max Plan | When Charged |
SIPP Administration Charge | 0.35% | 0.35% | 0.35% | 0.35% | Charged annually, collected monthly |
Custody Service Charge | 0.10% | 0.10% | 0.10% | 0.10% | Charged annually, collected monthly |
Fund Manager Fee | Varies depending on fund | Varies depending on fund | Varies depending on fund | Varies depending on fund | Varies depending on fund |
These examples show the total fees for a year at different levels of investment assuming the
investment remains constant throughout the year:
Amount Invested | Product Provider Fee (0.45% of Amount Invested) | Fund Management Fee 0.24%* of Amount Invested | Total Fees for a year |
£500 | £2.25 | £1.20 | £3.45 |
£1000 | £4.50 | £2.40 | £6.90 |
£5000 | £22.50 | £12.00 | £34.50 |
*Note: A fund management fee of 0.24% has been used for the purposes of this example. Fund charges can differ depending on your fund choice.