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). The group's Cyprus entity Plum Fintech CY Limited is listed in the Central Bank of Cyprus register as an account information service provider (AISP). This information is the company's own statement.
Datos de la cuenta
TIPOS DE CUENTAIndividual customers · Subscription plans
DEPÓSITO MÍN.1 GBP (Stocks and Shares ISA)
PLATAFORMASiOS and Android app
PRODUCTOSAutomated saving · Easy access savings account · Cash ISA · Lifetime ISA · Stocks and Shares ISA · Money market fund · Pension
Licencias y regulación
FCA (Reino Unido)
N.º de licenciaFRN 1023776
Titular de la licenciaPLUM FINTECH PAYMENTS LIMITED
AlcanceListed in the FCA register as an Authorised Electronic Money Institution under PLUM FINTECH PAYMENTS LIMITED (FRN 1023776) since 27 Nov 2025.
EstadoVerificada
FCA (Reino Unido)
N.º de licenciaFRN 739214
Titular de la licenciaSaveable Limited
AlcanceListed 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.
EstadoVerificada
CySEC (Chipre)
N.º de licencia407/21
Titular de la licenciaPlum Money CY Limited
AlcanceCyprus 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.
EstadoVerificada
CBC (República de Chipre)
N.º de licencia115.1.2.40
Titular de la licenciaPlum Fintech CY Limited
AlcanceListed in the Central Bank of Cyprus payment institutions register under Plum Fintech CY Limited as an account information service provider (AISP) only (115.1.2.40).
EstadoVerificada
Quejas de usuarios
Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.
Periodo analizado: diciembre de 2025 – octubre de 2026
Retiros y pagos: 60
Otros: 13
Atención al cliente: 11
Bloqueo y congelación de cuentas: 9
Tarifas y comisiones: 2
Operaciones no autorizadas: 2
MUY ALTO — NIVEL DE QUEJAS
El 6 % de las entidades con registros de quejas recibió más quejas que esta.
POR TEMA — Retiros y pagos: Muy alto · Otros: Alto · Atención al cliente: Muy alto · Bloqueo y congelación de cuentas: Alto · Tarifas y comisiones: Alto · Operaciones no autorizadas: Muy alto
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 or missing withdrawals, ISA/LISA transfers and sale proceeds, restricted accounts and difficulty reaching a human agent stand out.
Fuentes e historial de verificación
Fuentes oficiales de la empresawithplum.com — UK homepage and footer (LOCALE_OVERRIDE=en-gb), fr-fr homepage and footer (EU entities); App Store app (seller Plum Fintech Limited)
Registros del reguladorFCA — PLUM FINTECH PAYMENTS LIMITED, FRN 1023776 · FCA — Saveable Limited, FRN 739214 (register.fca.org.uk) · CySEC — Plum Money CY Limited, licence 407/21 (cysec.gov.cy) · Central Bank of Cyprus — Plum Fintech CY Limited, 115.1.2.40 (centralbank.cy)
Registro mercantilCompanies House — PLUM FINTECH PAYMENTS LIMITED, company no 15660845, incorporated 19 Apr 2024
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
ForexQ.com
