With automated deposits, accessible investing and smart budgeting, Plum gives your money momentum.

Description only relevant for UK customers.

GIVE YOUR BANK A BRAIN
• Take control of your financial plan by linking your bank accounts and credit cards in one place

EARN 5.17% AER (variable) WITH A PLUM CASH ISA
• Unlock tax-free returns
• Money in your Cash ISA is protected by the FSCS
• Get easy access to your money
• Start with as little as £1
• Transfer in an existing ISA and earn 4.29% AER (variable)
Rate as at 28/05/24. Subject to conditions. T&Cs and ISA rules apply. Top rate includes bonus rate for 12 months

EARN UP TO 5.12%* WITH PLUM INTEREST
• Get returns that follow the Bank of England base rate with this low-risk MMF
• Enjoy easy access with 1-business day withdrawals
• Add as much or as little as you want
Capital at risk. *Variable rate correct as at 27/05/24. Forecasts are not a reliable indicator of future performance. Returns aren't guaranteed.

SAVE MORE BY AUTOMATING DEPOSITS
• Build the habit of saving by scheduling deposits for a fixed amount each week or when you first get paid
• Smart rules keep you in control of your money, with options like our Al algorithm or Round Ups
• Or make the process more engaging with gamified challenges and rules like Rainy Days
• Earn up to 4.70% AER on your savings with an FSCS-protected Interest Pocket. Easy Access Interest Pockets are provided by Investec Bank Plc.

UNLIMITED COMMISSION-FREE† STOCK INVESTING
• Create your profile in minutes to start buying and selling US company stocks
• Invest in up to 3,000 companies like Amazon or Tesla
• Set up recurring buy orders and price alerts to put your investing strategy into action

† A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. The total fees charged to buy and then sell (2 trades) 1 share worth $100 would be around $0.90.

DIVERSIFY YOUR INVESTMENTS WITH FUNDS
• Choose from up to 26 different funds themed around risk level or sector
• Personalise your portfolio with funds like ‘Slow & Steady’, ‘Tech Giants’ or options with an ethical focus
• Premium funds allow greater diversification through the inclusion of Gold, Biotech and Real Estate assets
• Funds are professionally managed and each contains lots of different company shares
• Available with Plum Pro plan or above (from £2.99/month)
• Intuitive and transparent fees‡

‡ Here are the fees when you invest in funds with Plum:
• £2.99 minimum monthly subscription
• 0.90% annual Assets Under Management (AUM) and average fund management fee§
• No withdrawal fees/limits

§ This includes an (AUM) fee of 0.45% charged by Plum, as well as a 0.06–1.06% fund management fee, depending on the specific investment fund(s) you choose.

GET READY FOR RETIREMENT
• Consolidate your existing pensions into one Self Invested Personal Pension (SIPP)
• Choose from risk managed or diversified global funds
• No subscription fee for a Plum SIPP
• 0.89% annual Assets Under Management (AUM) and average fund management fee‖
• Get tax relief on your contributions

‖ This includes a 0.45% Product Providers fee, as well as a 0.08%–1.06% fund management fee, depending on the specific investment fund(s) you choose.

SECURITY
• We support biometric security (face/fingerprint ID)
• Any sensitive data we hold is stored using symmetric cryptography (AES)
• We never share your data with third parties without consent
• Customer support available 7 days a week

Plum Fintech Ltd is an agent and distributor of PayrNet Ltd (FRN 900594) and Modulr FS Ltd (FRN 900573), respectively, both authorised as EMIs by the FCA. Plum Fintech Ltd (FRN: 836158) is a registered AISP with the FCA. Saveable Ltd (FRN: 739214) is authorised and regulated by the FCA as an investment firm. Plum is a trading name.
For investments and pensions, all fund management and provider fees are shown annually, billed monthly and immediately reflected in your portfolio.