Plum app promo, discount and referral codes for August 2025

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About Plum

Plum is a smart money management app designed to automatically set aside money without you even thinking about it. It was founded in 2016, and started as a Facebook Messenger chatbot. Plum then launched the app (available on Android and iOS) which is designed to make managing your money easy, but it’s also effective for those who struggle to put that bit extra away. And the basic version is free.

Pros and cons of Plum

Pros

  • Set aside your money easily and automatically.
  • Free to register and use.
  • Contact Plum easily through its Android and iOS app.
  • Withdraw money 24/7 and receive it within 24 hours (and often, within 15 minutes).
  • Money in your Plum account is held by PayrNet, an EU-licensed e-money provider, which means the funds you have with Plum are safeguarded.
  • Plum’s algorithm prevents auto-deposits taking you into your overdraft (unless you manually deposit money when you’re in your overdraft).
  • Chance to grow your money by investing.
  • Option to open an interest-paying Interest Pocket.

Cons

  • If you choose to invest with Plum, you need to remember that as always when investing, your capital is at risk.
  • Customer funds are not protected by the Financial Services Compensation Scheme (apart from the money in Interest Pockets, which is held on trust at the Investec banking group).
  • Access to money isn’t instantaneous, it can take 24 hours.
  • Plum team is only contactable during office hours (09:00–17:00 from Monday to Friday and 10:00–16:00 on Saturday and Sunday).

Alternative offers

We also have other similar cash sign-up bonus deals, refer-a-friend offers, and more. We also keep a regularly updated bank switch offers guide if you’re looking to switch banks as part of our free money guide offers.

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