Headquarters / registered countryLondon, United Kingdom
Websitewithplum.com
Last checked08.10.2026
According to its official website, Plum is a mobile app that makes saving and investing easier for individual users. It offers automated saving rules, an easy access savings account provided by Lloyds Bank, a Cash ISA, a 95-day notice account, a Lifetime ISA, the Plum Interest money market fund, a Stocks and Shares ISA with 3,000 stocks and more than 25 funds, and pensions; the Stocks and Shares ISA can be opened with a first £1. According to the footer, e-money services are provided by Modulr FS Limited or Plum Fintech Payments Limited depending on when the account was opened; Plum Fintech Payments Limited is authorised by the FCA as an electronic money institution (FRN 1023776), and from October 2026 new accounts are opened directly with this company. Investment and credit broking is carried out by FCA-authorised Saveable Limited (FRN 739214); Plum Fintech Limited is registered with the FCA as an account information service provider (FRN 836158). In the EU, Plum Money CY Limited in Cyprus serves clients under a CySEC licence (407/21). This information is the company's own statement.
PRODUCTSAutomated saving · Easy access savings account · Cash ISA · Lifetime ISA · Stocks and Shares ISA · Money market fund · Pension
Licences and regulation
FCA (United Kingdom)
Licence no.FRN 1023776
Licence holderPLUM FINTECH PAYMENTS LIMITED
ScopeListed in the FCA register as an Authorised Electronic Money Institution under PLUM FINTECH PAYMENTS LIMITED (FRN 1023776) since 27 Nov 2025.
StatusVerified
FCA (United Kingdom)
Licence no.FRN 739214
Licence holderSaveable Limited
ScopeListed in the FCA register under Saveable Limited (FRN 739214); status Authorised since 2 Mar 2017. It holds permissions for arranging and dealing in investments as agent, safeguarding assets and credit broking.
StatusVerified
CySEC (Cyprus)
Licence no.407/21
Licence holderPlum Money CY Limited
ScopeCyprus Investment Firm licence in the CySEC register under Plum Money CY Limited (407/21); licence date 2 Nov 2021. The site says this company serves clients in the EU.
StatusVerified
User complaints
User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.
Period reviewed: December 2025 – October 2026
Withdrawal / payment: 49
Account / trading conditions: 33
Customer support: 8
Bonus / promotion: 3
Identity verification: 2
Other: 2
No. 90 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).
The complaint distribution is based on the latest 1-star reviews on the Plum Trustpilot page (97) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Plum name are left out. Across the complaints, delayed withdrawals and ISA transfers, changes to interest, fees and merged accounts, and difficulty reaching a human agent in AI-driven customer service stand out.
Sources and verification history
Official company sourceswithplum.com — UK homepage and footer (LOCALE_OVERRIDE=en-gb), fr-fr homepage and footer (EU entities); App Store app (seller Plum Fintech Limited)