Plum Reviews 9,114

I have used plum for years now and I honestly recommend it to anyone that isn’t great at saving money. Without even realising I’ve saved hundreds! If you’ve got something in mind that you’re saving for, it’s the perfect thing to use. Out of sight out of mind. Love the automatic saver algorithms and whenever I’ve needed help, the support team have been great!

Very good savings

Found the Plum app awful and a bit chaotic. The App would not accept my nominated external bank account for no reason even though Plum themselves said it was a match. Tried several times but gave up in the end. Messaged the help desk for help but did not get a reply let alone an acknowledgement. I was going to invest in one of their ISAs which offered an embarrassingly low interest rate but was hyped by a first year bonus interest rate to make it pretty competitive. Glad I didnt in the end as customer service is key for me and didnt get it with Plum. Small consolation but I had great satisfaction pressing uninstall on the Plum app.

I cannot recommend Plum. The service is appalling.
I have emailed your support email multiple times and you keep ignoring me. I am asking a very simple question and it is being repeatedly refused to be answered.
This level of support is unacceptable. Redirecting customers without addressing the issue is not resolving anything.
Please respond properly to my query rather than directing me elsewhere again.

Overall fairly easy, terminologies could be better defined.

Plum is Amazing!! I’ve recommended it to all my family and friends and they love it

Like others on here, I was drawn to Plum for their decent cash ISA rates. What a disaster that was. Thankfully I only deposited an initial £1. The app is horrendous to navigate and you are giving Plum visual access to your personal current account transactions when you set up a direct debit (which you are forced to do when you open the ISA). You then lose control of what is happening; the app seems to have one aim - to take over control of your spending and saving constantly leading you down dead ends about upgrading, using ‘pockets’, their ‘brain’, plans, ‘subscriptions’. Such a frustrating waste of time accompanied with childish icons and imagery. Once you locate your opened ISA it is impossible to work out how to limit Plum’s access to ALL of your personal current account transactions. So you contact HELP (once you have ploughed through AI and pages of what you’re not looking for). Then you get a chat bot, hours (literally) later you get a human reply but they send a link that doesn’t answer your question. So then you decide to close the account. No, you can’t do it on the app. You don’t discover that till you have struggled with stupid messages and loops of AI. An email to Plum support eventually got help but it took 5 emails from them over two hours to get an actual answer. I would never use them again. Bordering on misinformation and misleading in the sign up process. Avoid

Both my husband and myself were unable to open cash isa accounts and were given no assistance to do so. Plum could not send codes to either the mobile phone or email address - they mixed up our mobile phone numbers so that the apps would not work then requested us, two pensioners, to video the problem!

Plum is a Mickey mouse company with staff that lack basic knowledge. Laura their complaints handler is arrogant and not customer focused. Vile company. They're allowed to advertise interest rates you don't actually receive. The chat service has incompetent people working 7 days a week to which AI could do a better job.

The app is great, great functionality, fratures amd good price range for value.

Totally in touch, so accessible & easy to use for a digital phobic such as
this septugarian !

Great app if you want to save and invest, the automatic deposits really helped me save quite a bit, but be careful with it as it can take unexpectedly and leave you lower than expected if it's not set up correctly, overall still great.

Too long my account is under review and my balance I’ve invested has already dropped by nearly £4. Surely if my account is under review my funds should remain untouched until the account is fully functioning.

Amazing, easy to use and gets you right on track for savings.

Great features.
Well recommended

So easy to use

Great concept, great company brilliant service

I have various cash ISA accounts that I regularly move about between providers in order to maximise return on interest and have undertaken numerous ISA transfers. Never have I had issue such as I have had with Plum. Now Plum DO NOT put your money in an account identifiable by a sort code and account number. They hold your money in a "virtual" account identifiable by your personal details and NI number. This is part of the problem. So after the expiry of a Plum ISA, I decided to transfer my ISA to a different provider with a better interest rate, Virgin Savings. So I completed the Virgin transfer form, including my NI number explaining that this is how Plum identify my ISA, this form was ultimately rejected by Plum as it did not include my account details!!!! I then entered into an online message chat with Plum, (no human telephone service available), and after several exchanges was told to put my NI number in the space on the Virgin transfer form that asks for my account number. Anyway, so much time had passed that another provider was offering a better interest rate than Virgin, Paragon Bank. So I opened an ISA with then and initiated an exchange which was to be completed within 15 days max. After 20 days and still no transfer I contacted Paragon who informed me that Plum had corresponded with them via an unverified email address and as such they would not deal with them until they used the approved registered financial email address. How unprofessional is that? So bottom line for me is do not deal with a bank that does not hold your money in an account identifiable by a sort code and account number and I will not be dealing with Plum again full stop. Obviously this is loosing me interest on my savings. Now about to submit complaint to FCA as clearly Plum are intent on holding onto my ISA as long as they can causing me much loss of interest.

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

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!