Plum: Smart Saving & Investing

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

We give your personal finances a push to help you reach your goals, whatever they may be.

GIVE YOUR BANK A BRAIN
• Link your bank accounts to get an overview of all your finances
• Plum can automate your deposits to help you put more money aside over time
• You choose the Rules that control how much money you’d like to set aside
• Options include our AI algorithm and Round Ups
• Gamify deposits with our 52-Week Challenge or Rainy Day Rule
• Withdraw anytime, as often as you’d like (except pension)

NEW: EARN 4.92%* WITH PLUM INTEREST
• Get returns that follow the Bank of England base rate
• Enjoy easy access to your money with 1-business day withdrawals
• Any returns are paid daily
• Add as much or as little as you want to the fund
• Available to all Plum users

Capital at risk. *Variable rate correct as at 22/09/23. Forecasts are not a reliable indicator of future performance. Returns arent guaranteed.

AUTOMATE DEPOSITS
• Use our Splitter to divide your deposits between savings and investment funds
• Earn up to 4.21% AER on your savings with a FSCS-protected, Interest Pocket**
• Automated investment options include stocks, funds and pensions

** 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
• Choose shares from up to 3,000 companies like Amazon or Tesla
• Set up repeat 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
• Invest from just £1
• Choose from up to 22 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 Gold, Biotech and Real Estate assets
• Funds are professionally managed and each one contains lots of different company shares
• Access our money market fund and earn a gross variable return of 5.31% (rate correct as of 11/07/23).
• Available with Plum Pro subscription 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 or 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 a single Self-Invested Personal Pension (SIPP)
• Choose from risk managed or diversified global funds
• There are no subscription charges 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 & PRIVACY
• 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

HERE WHEN YOU NEED US
• Customer support available 7 days a week

Plum is a trading name of Plum Fintech Ltd. Plum Fintech Ltd. is a registered AISP with the FCA (FRN: 836158). Plum Money is the trading name of Saveable. Saveable Ltd. is authorised and regulated by the FCA (FRN: 739214) as an investment firm and credit brokerage firm.

For investments and pensions, all fund management and provider fees are shown annually, billed monthly and immediately reflected in your portfolio.