App Profile: Plum: Smart Investing & Saving

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 to get an overview of all your finances
• Plum can 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 AI algorithm and Round Ups
• Gamify the process with our 52 Week Challenge or Rainy Day Rule
• Withdraw anytime, as often as you’d like (except pension)


AUTOMATE DEPOSITS
• Use our Splitter to divide your deposits between savings and investments
• Earn up to 1.01% AER on your savings with a FSCS protected, Interest Pocket*
• Investment options include stocks†, funds and pensions
• 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 U.S. company stocks
• Choose shares (or fractionals) from +500 companies like Apple, Meta and Tesla

‡ A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. If you were to buy and then sell 1 share worth $100, the total fees 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, fees§ are intuitive and transparent
• Available with Plum Plus subscription or above (from £1 per month with first month free)

§ Here are the fees when you invest with Plum:
• £1 minimum monthly subscription
• 0.48% average annual fund management and 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 your existing pensions into a single Self Invested Personal Pension (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 energy, broadband and 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
• A Plum Card is the easiest way to use the money you’ve saved and can stop you overspending


OUR TECH KEEPS YOU SAFE… WE RESPECT YOUR PRIVACY
• 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 never share your data with third parties without your consent


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


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