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Plum investment platform review
Is Plum any good?
In our latest customer satisfaction survey, Plum received a customer score of 73% for its stocks and shares Isa, putting it joint 12th out of 25 providers.
Plum is a mobile app, powered by open banking technology, that combines spending, saving, budgeting and investing.
There's a free basic tier and three paid tiers: Pro, Ultra and Premium. It's cheaper for investors with more than £25,000 invested to upgrade to the Premium tier and pay a higher fixed monthly fee in exchange for a lower annual platform fee of 0.15%.
You need to sign up to Plum's paid tiers to access a stocks and shares Isa and invest in funds, but you can invest in shares in a general investment account for free.
The minimum investment required for Plum is £1.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an investment platform before committing to any financial products.
- Find out more: Best investment platforms in the UK 2025
Plum stocks and shares Isa star ratings in more detail
| Aspect of service | Star rating |
| Customer service | |
| Ease of use | |
| Information on investments | |
| Value for money |
What do customers say about Plum?
Comments from Plum customers that took part in our survey include:
- 'A very efficient platform and involves no hidden fees.’
- ‘Fees are quite high and the website is complex to use. It's hard to find things – more for professional investors.’
- ‘It's an easy-to-use platform and information is easy to find. If I need help, it’s easily done with great customer service.’
Visit Plum to find out more about its accounts, services and investment options.
How much does Plum cost?
Shares in a general investment account are available within Plum's free-free membership tier, but you need to sign up to a paid tier to open a stocks and shares Isa.
Platform charge:
- Free for basic-tier investing in shares in general investment account.
- £2.99 a month for Pro plus a 0.45% annual platform charge.
- £9.99 a month for Premium plus a 0.15% annual platform charge.
Trading charge:
- None
Foreign exchange charge:
This applies to each trade of investments denominated in another currency – for example, US stocks – on top of fund and trading charges.
- 0.45% on US stocks
How much would I pay to invest with Plum?
We've estimated the cost of investing over the course of a year in a Plum stocks and shares Isa, assuming that you make four purchases and four sales each year.
Costs will vary depending on how much you invest. Our estimates for portfolios over £25k are based on being a Premium customer, as it works out cheaper due to a lower platform charge of 0.15%.
| Amount invested | Annual fund charges | Annual shares, exchange-traded funds and investment trusts charges |
|---|---|---|
| £5,000 | £58 | £58 |
| £10,000 | £81 | £81 |
| £25,000 | £148 | £148 |
| £50,000 | £195 | £195 |
| £100,000 | £270 | £270 |
| £250,000 | £495 | £495 |
| £500,000 | £870 | £870 |
Table notes: Annual charges include platform fee and any trading charges. We have not included other charges that might apply, such as foreign exchange fees or fund management charges that are levied by fund managers, as these vary depending on the specific investments you hold. Fund management fees can range from less than 0.1% for some passively managed 'tracker' funds, to 1.25% or more for actively managed funds or investment trusts.
- Find out more: Compare investment platform fees and charges
What can you invest in with Plum?
Plum accounts and services
Find out more about Plum by using the links below to view their accounts and services:
- General investment account
- Stocks and shares Isa (not flexible)
- Self-invested personal pension (Sipp)
- Savings account
- Lifetime Isa
How many investments does Plum have?
Correct as of January 2025
Is Plum good for ethical investors?
There are three funds (out of 36 total) labelled as ESG (environmental, social and governance) or ethical to choose from on Plum (for paid tiers only).
These three funds either apply exclusions, which remove ‘controversial’ investments such as fossil fuel or tobacco companies, or set ESG criteria which companies must meet to be included.
You can’t invest in any funds that are designed to create a positive impact.
- Find out more: Ethical investing explained
Is your money safe with Plum?
Plum is regulated by the Financial Conduct Authority (FCA) and covered by the Financial Services Compensation Scheme (FSCS). Investors using Plum will have their investments managed by Quai Investment Services Limited, which is also regulated by the FCA and covered by the FSCS.
The FSCS will cover up to £85,000 of investments per person, per platform. You can claim for free online at www.fscs.org.uk; there's no reason to use a claims management company.
You won't be compensated for investments falling in value, or if a company in which you hold shares goes bust, unless this poor performance resulted from bad advice given by a regulated Independent Financial Advisor that has since gone bust.
- Find out more: How the FSCS works