Plum: Smart Saving & Investing

At Plum, we’re on a mission to make your money go further.

Our smart automation helps you put money aside and easily invest in what matters to you.

Here’s how…

GIVE YOUR BANK A BRAIN
• Link your bank accounts and credit cards so Plum can give you an overview of all your finances
• Plum is then able to 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 Automatic algorithm and Round Ups
• Gamify the process with our 52 Week Challenge or Rainy Days Rule
• Withdraw anytime, as often as you’d like (except pension)

AUTOMATE DEPOSITS
• Use our Splitter to apportion your deposits between your savings and investments
• Earn up to 1.01% AER on your savings with a FSCS protected, Interest Pocket*
• Investment options include stocks†, funds or a Self Invested Personal Pension (SIPP)
• Start investing in a Stocks & Share ISA or General Investment Account with just £1

* Easy Access Interest Pockets are provided by Investec Bank Plc.
† Automated stock investments COMING SOON !!!

UNLIMITED COMMISSION-FREE‡ STOCK INVESTING FOR ALL CUSTOMERS
• Create your profile in minutes to start buying and selling US company stock
• Choose to invest in shares (or fractionals) from +500 companies like Apple, Facebook and Tesla

‡ A 0.45% FX currency conversion markup and nominal regulatory fees still apply. If you were to buy and then sell 1 share worth $100, total fees charged for these 2 trades would be around $0.90.

DIVERSIFY YOUR INVESTMENTS WITH FUNDS
• Choose from 12 different funds themed around risk level or sector
• Personalise your portfolio with funds like ‘Slow & Steady’, ‘Tech Giants’ or options with an ethical focus
• Funds are professionally managed, and each one contains lots of different company shares
• As with all Plum investments, the fees§ are intuitive and transparent
• From £1.00 per month subscription fee for Plum Plus (first month free)

§Here are the fees that you’ll be charged when you invest with Plum:
• £1.00 minimum monthly subscription
• 0.48% average annual fund management plus provider fee‖
• No hidden transaction or trading costs
• No withdrawal fees or limits

‖This includes a fund management fee of 0.15% which goes to our technological partner, as well as a 0.06%–0.90% fund provider fee, depending on the specific investment fund(s) you choose.

GET READY FOR RETIREMENT
• Consolidate all your existing pensions in one place with a Plum SIPP
• Invest your pension savings into a risk managed fund (based on your age and target retirement date)
• Pick from a range of diversified global funds.
• There are no subscription charges for a Plum SIPP¶
• Get tax relief on your contributions

¶ A 0.45% annual Product Provider fee and average 0.25% annual fund management fee still apply.
Fund management fee depends on the fund(s) you choose.

COMPARE BILLS, SWITCH SUPPLIERS AND BUDGET BETTER
• Compare household bills, like gas / electric, broadband or insurance
• We’ll let you know if there’s a better deal and can switch you in seconds
• Use Money Maximiser to get a real-time view of your budget

OUR TECH KEEPS YOU SAFE
• We support biometric security (face & fingerprint ID)
• Any sensitive data we hold is stored using symmetric cryptography (AES)
• We use 256-bit TLS encryption to communicate with our servers

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

WE PRIORITISE YOUR PRIVACY
• We never share your data with third parties without your consent


Plum is a trading name of Plum Fintech Limited. Plum Fintech Limited is a registered AISP with the FCA (FRN: 836158). Plum Money is the trading name of Saveable. Saveable Limited 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 charged annually, billed monthly and immediately reflected in your portfolio.