+£10
12 mins
Plum
£10 Free Cash•12 mins
£10 Free Cash
+£10What is Plum?
Plum is an AI-powered money management app that helps you save, invest, and manage your money automatically.
The app analyses your spending and automatically sets aside money you won't miss. With features like round-ups, savings rules, and easy access savings accounts, Plum makes building your savings easy.
Launched
2016
Customers
2m+
Google Play
4.6 (48k)
★★★★★★
Key Terms
Profit
+£10
Credit checkNone
Deposit£5
Cashback£10
Cashback arrives1 month
Step by Step Guide
Chris's overview
Optional·1 min read
Plum is a savings app that everyone should be given at school - instead I invested my pocket money on fizzy cola bottles whilst my parents kindly covered the mounting dental bills.
You'll get £10 free cash via TopCashback when you sign up to Plum and connect your bank account. There is a small deposit required via direct debit (mine was just £5.15), but you can withdraw it straight back once your cashback arrives. No transactions required beyond that - just link your bank and the cashback is yours.
If you decide to try Plum after getting your £10 free cash, the automatic savings feature is genuinely useful. The AI analyses your spending and you can set up rules to save amounts without you noticing. Plus you can earn 3-4% on easy access savings. Check out the full review below for more details.
1
Sign up to Plum
You are here5 mins
- Click the TopCashback link below on your mobile
- Download the Plum app from App Store or Google Play
- Create your account with your email address
You must sign up via TopCashback to qualify for the cashback - don't download the app directly.
On desktop? Scan QR code on your phone
2
Connect your bank account
5 mins
- Link your main bank account via Open Banking (read-only access)
- Based on your current account, Plum will set a recommended first deposit via direct debit - this appears to be required (mine was just £5.15).
- Select the free Basic plan - no subscription needed
- Cancel the direct debit once your first payment is made if you do not intend to continue to use Plum for money management or savings
The deposit is small and withdrawable once your cashback arrives.
3
Receive £10 cashback30d
2 mins
£10 cashback typically payable within 30 days
- Cashback tracks in your TopCashback account
- Withdraw to your bank once payable
- Withdraw your initial deposit out of Plum and back to your bank account - unless you'd like to keep using Plum for your money management
Offer Complete
Done? Tick off each step above to see your total.
Quick Plum Review
Completed the offer? Awesome! Here's our full review on why Plum could work well for you going forward.
Plum at a glance
Updated:
Plum is an FCA-regulated UK savings and investing app that nudges spare cash into a pot every week. You also get round-ups, an Easy Access Pocket with FSCS protection, and a stocks and shares ISA from £1. Quidsy has a free cash offer for new signups. Handy if saving by hand never quite happens. Paid plans cost extra.
Customers
2m
UK accounts
Founded
2016
10 years old
App Store
4.7 ★
68k reviews
Google Play
4.6 ★
48k reviews
I've come away thinking Plum is one of the most useful free apps you can have on your phone if you struggle to save manually. Over two million people use it, ratings are consistently strong (4.7 on iOS, 4.6 on Android), and the auto-saver genuinely moves cash into your pocket without you having to think about it. The trick it pulls off is doing the boring bit of saving so you don't have to.
The free Basic plan is generous: auto-savings, round-ups, the Cash ISA with no fees, and a starter Easy Access Pocket are all included without paying a penny. The paid tiers (Plus £3.99, Boost £7.99, and Max £14.99 a month as of May 2026) bump up the interest rate and lower the investment fees, but most casual users won't need them.
Where Plum is less compelling is if you're a confident DIY investor with a bigger pot. Once your investments grow beyond a few thousand pounds, the platform fee on the cheaper tiers starts adding up, and you'd save money moving the investment piece to a lower-cost broker. For everyone else who just wants a quiet, friendly app that nudges cash into savings each week, Plum delivers.
Saveable Limited is authorised and regulated by the Financial Conduct Authority (FRN 739214). Deposits held with Plum's partner banks via the Easy Access Pocket and Cash ISA are eligible for FSCS protection up to £120,000 per person, per bank. Investments held in a GIA, Stocks and Shares ISA, or SIPP are covered by the FSCS up to £85,000 per person. The value of investments can go down as well as up.