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Plum is one of the UK’s top-rated money-saving and investing apps, trusted by over 1.8 million users. Whether you're looking to automate your savings, build better financial habits, or invest in your future, Plum is built to simplify the journey.
But is Plum really worth it in 2025? Here’s what you need to know.
🧠 What Is the Plum App?
Plum is a UK-based personal finance app that helps you manage your money automatically. From tracking spending and saving little and often, to investing in stocks and funds — Plum does the hard work in the background using clever AI.
You can link your bank account, set smart rules, and watch your money grow with minimal effort.
🚀 Key Features of Plum
- Smart Savings Automations – Round-ups, Pay Day Rules, 52-week challenges and more
- High-Interest Savings Pockets – Earn up to 5.68% AER (variable)
- Stocks & Shares Investing – Choose from 1,200+ stocks and funds (capital at risk)
- Budgeting Tools – Categorise spending and track upcoming bills
- Household Bill Comparison – Save on energy, broadband, and phone plans
- SIPP & ISAs – Save for retirement or tax-efficient investing
Plum works with all major UK banks, and is available on both iOS and Android.
💷 Why I Recommend It
As someone who usually struggles to save consistently, Plum has been a game-changer.
In just a year of casual use, I managed to save close to £1,000, all automatically. I set a few deposit rules, let it run in the background, and forgot about it — until I checked my balance.
It’s helped me:
- Save for holidays
- Keep track of bills
- Try investing for the first time
Plus, the app is clean, intuitive, and backed by bank-grade security with FSCS protection up to £85,000.
🆓 How to Get Started with Plum
- 📲 Download the app via my referral link
- 🔐 Connect your bank account securely
- ⚙️ Set up your savings rules (or use the auto mode)
- 📈 Watch your savings grow every week!
You’ll get access to Plum’s free Basic plan, with optional upgrades if you want higher interest or more features.
💸 Is Plum Worth It?
If you're looking for a hands-off way to save money, build better spending habits, and start investing — Plum is one of the best apps out there.
It’s ideal for:
- Busy people who want to save without thinking
- New savers and first-time investors
- Anyone trying to simplify their personal finances
And with plans starting at £0/month, it’s risk-free to give it a try.
👉 Tap here to join Plum and start saving today
✅ Final Thoughts
Plum combines AI, automation, and easy-to-use tools to help you grow your money in the background. With over £2.6 billion saved and invested by users, it’s proven itself as a smart solution for modern money management.