Plum Reviews 9,114

Easy to use, easy to save

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

Excellent way of saving without noticing.
Possible to invest also and prioritise where your savings are automatically placed.

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.

Very easy to use

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.

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.

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.

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%.

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.

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.

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.

Amazing perfect way to save without noticing or realising and before u know it there's a lump sum accumulated

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.

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

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

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.

It's just so good.
Easy to save, easy to use. Just brilliant

This was one of the easiest things to do. It was very daunting to put a lot of trust and money into an online company, whom, before listening to Martin Lewis I had never heard of them. I put my trust in plum and for the last year it has been so comforting knowing my money has been in safe hands and building at a very nice rate with really good rewards. Thank you Plum

A fantastic savings platform , makes saving fun with many different options and saving accounts to choose from, whichever is best for you.
The interest is good , you can add, withdraw whenever you like.. I think Plum is brilliant!