When I took out the ISA it was at a great rate but obviously not now. I never intended to invest the full amount though. I quite like that they save a random amount for me each month. I have a few inv... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Ive been using Plum since 2019. I have had very minimal problems and have saved thousands over the years. I never noticed the small savings being transferred but they soon mounted up-better method th... See more
Really easy to set up and is the discipline I need when trying to save as I have never been good at it
Other apps offer more products without the charging as much? Possibly thinking of moving across.
Company details
Written by the company
Plum builds a complete picture of your finances to help you save money, stick to your budget, find the best deals on household bills and invest for your future... without you needing to think about it.
Contact info
2nd floor, 2-7 Clerkenwell Green , EC1R 0DE, London, United Kingdom
- hello@withplum.com
- withplum.com
4.0
Great
9K reviews
Replied to 96% of negative reviews
Typically replies within 48 hours
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Poor coordination using app
Set up a cash isa and few days later was requested to provide ID using the app but it already shows as verified when I open app. Very frustrating
13 April 2026
Unprompted review
Reply from Plum
Hi Peter,
We are sorry for the confusion and frustration this caused.
You’re right that being asked to verify your ID after already seeing your account as verified in the app is not a good experience. This can sometimes happen due to a mismatch between different verification checks running in the background.
We can confirm that your verification is now complete and your account is fully active.
We appreciate you bringing this to our attention, as it helps us improve how we communicate and manage these processes as we advance.
Thank you!
Problems with app adding funds
App loaded ok but I put a savings account as the external funding account. Think this should have been a current account as my money would not transfer to new Plum ISA.
So tried to change external funding account to current account via app. Seemed to work, but when I tried to transfer over, it still was trying to take from the original account.
Customer services did try and help several times, but I had to uninstall and reinstall app about 3 times and also my other banking app, which then locked me out for a day!
No telephone option for contact! The online services couldn't do anything at their end, so a waste of my time for a few days!
Expect they are not bothered, but I am very disappointed with Plum as THEY missed out on my full ISA funding.
I am used to doing alot of financial things online, so this app wasn't very good and looks like they want you to invest in other products as well, so gets a bit confusing after a time, irrespective of the funding side.
I was worried that with all the trouble in trying to get my money to them, if I had to get access at a later stage, then would it work????
No prepared to take the risk!
No telephone option, therefore shit service waiting for emails to go back and forward!
8 April 2026
Unprompted review
Reply from Plum
Hi Julie,
Thank you for taking the time to share your experience. We are sorry for how frustrating this has been.
We understand how the steps you were asked to take, including reinstalling apps and the disruption with your banking access, would have made this even more frustrating.
We'd really like to look into this more closely and review what happened on your account, including the communication you had with our team, to better understand where things went wrong and why we weren’t able to resolve this for you at the time.
We clearly fell short here, both in terms of the experience and in giving you confidence in the product, and we are sorry for that.
If you’re open to it, please feel free to reach out to us at community@withplum.com, mentioning this review, so we can investigate this properly and see how we can assist further.
Thank you.
Plum difficulties
I posted a review of Plum back in 2024 saying I found the app impenetrable. Today I gave Plum anotherr try. Firstly as Plum had my email on file I could not use rhe same one again and was asked to use another. That I did and filled in the personal info which was not accepted. I do know my own name and address but the app knew better. Tried the bot and got nowhere and asked to speak to support. Waited 30 minutes and got no response. Tried to send a message but the send tab did not work. Know they're very busy but disappointed with lack of support. Plum support came back quickly but due to failure in their validation process could not fix the problem
11 April 2026
Unprompted review
Reply from Plum
Hi Alban,
Thank you for taking the time to share your feedback. We’re sorry to hear that your experience hasn’t been a smooth one.
Regarding support, while we always aim to respond as quickly as possible,but we are currently experiencing a higher volume of requests due to the start of the tax year. That said, we’re sorry that this impacted your experience and that we weren’t able to assist you as promptly as expected.
We’d welcome the opportunity to support you further, so if you’re open to it, please feel free to reach out again.
We’d be more than happy to work through this with you.
Thank you again for your feedback.
Excellent way of saving without…
Excellent way of saving without noticing.
Possible to invest also and prioritise where your savings are automatically placed.
8 January 2026
Unable to communicate with Customer Services
I opened a Cash ISA 4 days ago and have been experiencing difficulty with it. I have tried several times to converse with somebody (Web Chat seems their favoured method) and was told that somebody would get back to me. They didn't and I have tried several times again with no success. Their customer services seems to be non-real-time so it is virtually impossible to have a conversation. If I could give then no stars then I would.
11 April 2026
Unprompted review
Reply from Plum
Hello John,
We are sorry that this was your experience with Plum.
During this period, we’ve been experiencing significantly higher volumes than usual, which has impacted how quickly we’ve been able to respond.
Our support is normally near real-time, but we clearly fell short here, and we are sorry for that.
That said, this is not the standard of service we aim to provide, and we’re sorry for the frustration caused.
Can't transfer out my ISA
Plum is an APP and not a bank. I am struggling to transfer out the ISA I hold with them. They are not replying to emails or to in APP messages.
There are in APP help pages saying 'just ask your new provider to initiate the transfer', which' must be electronic transfer'.
But having opened an ISA with OakNorth Bank, they cannot communicate with Plum or transfer in from Plum as Plum are not on their electronic transfer list which is a very very long list of providers. My money is trapped in Plum - very unhappy.
9 April 2026
Unprompted review
Reply from Plum
Hi Robert,
We are sorry to hear about your frustration, and that your experience wasn't as you expected it to be.
We always strive to provide careful and attentive support for all our customers’ questions and concerns, and we make it a priority to reply to every single communication we receive.
We want to assure you that your money is not trapped, and we do support ISA transfers out to other providers. To clarify, we currently only accept transfer requests via email directly from the receiving provider, rather than through automated electronic transfer lists.
Please know that our team is actively reviewing your case to help get this sorted out for you. Since you already have an active conversation open with our support team, please feel free to reach out there anytime if you have any further concerns or need updates on the status of your transfer. We'd be happy to assist you.
Thank you.
I absolutely love Plum
I absolutely love Plum, I have managed to save for a whole new bathroom, I did not realise how much money I would save by doing the round ups.
10 April 2026
Unprompted review
In control
I have been with Plum couple of years now and i feel totally in control they have been nothing but help they keep me update with all changes. I feel I am with their help in control of my savings.
8 April 2026
A tricky ISA structure
A tricky ISA structure
Conditional bonus payments on ISAs aren't new, and aren't confined to PLUM, so it pays to read T&Cs carefully and understand exactly what the conditions are.
The structure of PLUM's variable rate, instant access, cash ISA effectively traps you in the account for one year, rendering it near identical to the one-year fixed term, fixed rate products of other ISA providers.
PLUM's headline interest rate is a base rate + bonus.
The bonus is paid at the end of the first year, and is forfeited entirely if you close or transfer your ISA before the year end.
This structure effectively keeps you in the easy access variable rate account for one year, unless you are prepared to lose any accrued bonus.
The bonus varies for new accounts throughout the year, but it is fixed for 12 months at that day's rate on the opening of an account. The allows PLUM to vary the total interest paid on new accounts, without changing the interest rate received on an existing variable rate account.
It sounds complicated, but in short you could hold a variable rate cash ISA with PLUM, opened in August 2025 paying a total of 3.85%, but find exactly the same product currently marketed at 4.6%. Sadly if you were to transfer your ISA to the better paying version, or to another provider, you would lose any accrued bonus, reducing the rate paid on your existing (3.85%) account to just 2.54%.
8 April 2026
Unprompted review
Reply from Plum
Hi Ian,
Thank you for taking the time to share your thoughts on our Cash ISA structure. We appreciate your feedback, and we understand your perspective regarding how the bonus condition influences the flexibility of the account.
We always aim to be transparent about how our accounts operate, and we want to clarify a few details regarding how interest is calculated and paid:
Daily Accrual: Your Cash ISA earns interest daily in the background, based on your cleared balance, and Plum uses the gross rate to calculate your interest daily.
Basic Interest: Your basic interest amount is paid directly into your Cash ISA monthly, on the first day of the month.
Bonus Interest: If you’re eligible for Plum bonus interest, it is paid into your account on the first working day of the month after the bonus rate period ends. As you noted, rates do vary depending on exactly when you opened your Cash ISA.
Variable Rates: The overarching rate is variable, meaning it can fluctuate over time according to market conditions. If there is ever a change in the interest rate, we will let you know as soon as possible to keep you fully up to date with your account's performance.
For full transparency, all of these operational details and conditions are publicly mentioned and accessible in our Help Center.
We genuinely value thorough feedback like yours as it helps us evaluate our products.
We would love to discuss this with you further to fully understand your experience. Please reach out to us directly at community@withplum.com so we can hear more about your experience, and kindly mentioned this Trustpilot review, to directly link it to your case.
Thank you.
Very poor service
Very poor service. The account was successfully opened, and while I was still getting familiar with using it, it was suddenly closed for no apparent reason. It feels completely arbitrary and unprofessional. I would not recommend opening an account or depositing money with them.
8 June 2025
Reply from Plum
Hello!
Thank you for your feedback, and we are sorry to hear how this felt from your perspective.
Account closures are never taken lightly. In some cases, following a review as part of our regulatory and partner obligations, we may need to close an account and we’re not always able to share full details about the decision. We understand this can feel sudden and unclear, and we are sorry for that experience.
We value your feedback and will take this on board.
New Plum app user
I’m new the Plum app and have had limited exposure to investing. My first experience has been very positive, it has easy to use investing opportunities and good built in AI. Would recommend.
7 April 2026
Plum easy to use and many features for saving
Plum so easy to use and I have managed to save a considerable amount.
Another great thing is you can move it to your bank account if need be again very easy. I would totally recommend.
Thank you Plum.
9 April 2026
Unprompted review
Amazing perfect way to save without…
Amazing perfect way to save without noticing or realising and before u know it there's a lump sum accumulated
9 April 2026
Unprompted review
I am pleased with this app
I am pleased with this app. I only need to learn more about shares and stocks but I love the automatic savings and allowing me to really be more aware of my money and where it's going.
9 April 2026
Unprompted review
Awful experience. I have tried to open an account but I…
I have tried to open an account but I get to the AI page, ask for a team member and then the chat disappears or unless I stay looking at the screen for two minutes it goes back to the start. Awful service
9 April 2026
Unprompted review
Reply from Plum
Hi Simon,
We apologize for the difficulties you faced while trying to set up your account. We understand how inconvenient such issues can be, and this falls short of the seamless service we strive to provide.
We would appreciate the chance to help get this sorted out for you so you can get your account set up smoothly. Please reach out to us directly at community@withplum.com. Kindly mention this Trustpilot review, so that our team can identify your case, and assist you personally right away.
Thank you for bringing this to our attention, and we hope to hear from you soon so we can make this right.
Plum has been brilliant
Plum has been brilliant. A very competitive interest rate on savings accounts to help grow your money. Plum has helped me pay off my loan and get a deposit together to buy a house. Would highly recommend
9 April 2026
Unprompted review
Disappointing
Opened a cache ISA and it took 2 days to add the money while I didn't know where my money was! Then it came out money was added to "pocket" instead of ISA and needed another manual transfer which took an extra day! - inexistent comminunication!
Very confusing and inconsistent User Interface, it feels shaky and not very reliable.
9 April 2026
Unprompted review
Reply from Plum
Hi Paolo,
Thank you for sharing your feedback. We’re sorry to hear that navigating the app has been frustrating, and we want to help make your experience as smooth as possible.
To help clarify how deposits to Cash ISA work: you can deposit directly into your Cash ISA without needing to fund your Primary Pocket first. For a guide on how to do this, please refer to our Help Center: https://help.withplum.com/en/articles/8999048-deposit-to-cash-isa
It's also worth noting that Cash ISA deposits take 1 business day to complete, even via instant deposit. This is because the funds are being securely transferred to our banking partners to kickstart your interest earnings.
Your Primary Pocket simply serves as the main bridge between Plum and your personal bank account. It manages the flow of money.
We would appreciate the opportunity to resolve this for you. We have reached out to you directly to offer further support and hear more about your experience.
We look forward to turning things around.
It's just so good
It's just so good.
Easy to save, easy to use. Just brilliant
8 April 2026
Unprompted review
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