HomePlum: Smart Saving & Investing
Plum: Smart Saving & Investing

Plum: Smart Saving & Investing

Everyone
Rating
Unknown
Version
1M+
Installs
3.50
500 + Reviews
1
15%
2
15%
3
30%
4
0%
5
39%

Review By AppsWm

Plum: Smart Saving & InvestingPlum: Smart Saving & InvestingPlum: Smart Saving & InvestingPlum: Smart Saving & Investing

Peace Points

This app presents peace points through its ability to automate savings and investment, removing the daily stress of manual financial management. The interface aims to be intuitive, guiding users towards their financial goals with minimal effort. This automated approach helps to instill a sense of control, leading to a more peaceful financial outlook.

Automated Savings

The automatic saving feature identifies small amounts of money that can be set aside without impacting daily spending habits. This creates a sense of effortless progress toward financial goals, adding to overall peace of mind. The app also offers a range of savings rules, like round-ups, to help users meet their goals.

Calm Features

Calmness is fostered through clear visualizations of financial progress. Users can easily track their savings and investments, providing a transparent view of their financial health. The app promotes mindful spending and saving habits, contributing to a calmer approach to personal finance.

  • Budgeting Tools: The app analyzes spending habits and recommends realistic budgets.
  • Goal Setting: Users can set specific financial goals (e.g., saving for a vacation) and track their progress.

Transform Paths

The app offers paths to transform financial behavior through education and personalized insights. By understanding where money is going and learning about investment options, users are empowered to make informed decisions. This knowledge-based approach helps shift from reactive to proactive financial management.

  • Personalized saving insights
  • Investment options for different risk profiles
  • Investment involves risk
  • Reliance on automated features may reduce financial awareness for some users

Quiet Moments

Quiet moments of reflection are encouraged as the app allows users to step back from daily financial worries and trust the automated systems. The dashboard provides a snapshot of financial health, enabling users to quickly assess their progress without needing to engage in complex calculations. It acts as a serene central point.

Change Aspects

The app facilitates change by promoting consistent saving and investing habits. By gamifying the process with rewards and progress tracking, it encourages ongoing engagement and positive financial behavior. Over time, these small changes compound into significant improvements in financial well-being.

Aspect Details
Saving Automation Round-ups and AI-driven savings
Investment Options Range of funds, with varying risk levels

Description

Plum offers a comprehensive suite of financial tools to help users manage their money effectively and reach their financial goals. By automating deposits, providing accessible investing options, and offering smart budgeting features, Plum aims to give your personal finances a boost. Users can link their bank accounts in one place, schedule deposits, and utilize smart rules like the Al algorithm, Round Ups, and challenges to stay in control of their money. For those looking to grow their savings, Plum offers various options such as the Plum Cash ISA with a competitive interest rate, easy access, and FSCS protection. Users can also earn attractive rates with the classic easy-access Interest Pocket or a 95-day Notice Account provided by Investec Bank Plc. Additionally, Plum Interest allows users to earn returns based on the Bank of England base rate with low-risk MMF, offering easy access and flexibility in managing their funds. Plum also provides opportunities for users to invest in stocks commission-free, diversify their investments with themed funds, and prepare for retirement by consolidating pensions into a Self Invested Personal Pension (SIPP). With a focus on security, Plum ensures data protection through biometric security measures and encryption. Customer support is available seven days a week, and Plum operates under the regulatory oversight of various financial authorities to provide a secure and reliable financial platform for users.

Summary Of User Reviews

Marc S
Marc S
March 29, 2025
Unusable - don't bother. Useless app that isn't fit for purpose and just wastes your time. Try and add money by selecting your bank and it's impossible to proceed as it just continually returns to / stays on the 'choose your bank' page, so you are stuck. Select the option to add it another way (bank transfer) and you just get a 'something went wrong' error message. Try the in app help and it's impossible to speak to a human and the chat bot is useless. Worst fintech app I have ever used!
Arun Chandar
Arun Chandar
January 28, 2026
It's almost as if someone said to Plum-"Design an app that makes saving and investing as complex as possible with as many steps as possible". To save regularly into an ISA I have to use something called a "brain", then set up a rule (that has limitations), then link an account, then deposit to a pot, then manually send from that pot every month to the ISA. I literally just want to automatically put a few hundred quid aside a month and leave it. Absolutely awful. Wish I never bothered
Dave Milward
Dave Milward
December 29, 2025
I like the sum up feature. but sadly after that you have to pay for pretty much every thing else. other platforms offer more free features also after recent updates everything is so much harder to navigate. it's not the simplest of platforms to use. again other platforms are easier to navigate. I would recommend looking at other platforms as well as this one.