{ "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "tool": { "slug": "plum", "name": "Plum", "vendor": "Plum Fintech Limited", "vendorUrl": "https://withplum.com", "kind": "platform", "category": "personal-finance", "summary": "Plum is a saving and investing app for the UK and parts of Europe. It analyses spending from connected bank accounts, moves money aside automatically, and holds savings accounts, ISAs, a pension, investments and an AI financial plan.", "url": "https://www.anchorterminal.com/tools/plum", "markdownUrl": "https://www.anchorterminal.com/tools/plum.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plum.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plum.json", "license": "Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Plum account in the iOS or Android app, with identity checks. Bank accounts connect read-only through TrueLayer (https://withplum.com/legal/privacy, https://withplum.com/legal/terms).", "pricing": "freemium", "pricingNotes": "Basic is free. Plus £3.99, Boost £7.99 and Max £14.99 a month, with the first month of a paid tier free; investment fees and interest rates vary by tier (https://withplum.com/subscriptions). Other fees are on the fees page (https://withplum.com/legal/fees).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on withplum.com, its llms.txt, subscriptions page or terms (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://withplum.com/llms.txt", "capabilities": [ "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "eu", "status-page", "llms-txt" ], "lastRelease": "2026-10-12", "graded": true, "anchor": { "graded": true, "score": 27.4, "grade": "F", "agentReady": false, "rank": 1026, "ranked": true, "rankOf": 1076, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 60, "schema": 10, "security": 0, "transparency": 58 }, "pending": [ "performance", "tasks" ], "breakdown": [ { "key": "reliability", "name": "Reliability", "weight": 16, "effectiveWeight": 20, "score": 60, "points": 12, "reason": "Read with the hosted lines. Statuspage at status.withplum.com with components for bank connections, deposits, withdrawals, investments and the app, and history (20). From 16 July to 14 October 2026 one incident, support chat degraded on 3 and 4 August, marked no impact (30). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2019 and not labelled beta (10)." }, { "key": "performance", "name": "Performance", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes." }, { "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "effectiveWeight": 16.25, "score": 10, "points": 1.63, "reason": "Graded on the interface an outside agent can use. Plum has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. withplum.com/llms.txt lists products and legal pages (10). With no agent interface there is nothing to version (0 of 15)." }, { "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. Plum has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people." }, { "key": "security", "name": "Security \u0026 auth", "weight": 14, "effectiveWeight": 17.5, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. With none for Plum, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, bank access is read-only through TrueLayer and identity checks use Onfido. withplum.com/.well-known/security.txt returns 404, and no disclosure policy, bug bounty or certification was found (0 of 20)." }, { "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "effectiveWeight": 12.5, "score": 30, "points": 3.75, "reason": "Read with the hosted rule. No x402, MPP or L402 (0). Public tier prices on the subscriptions page (10). Basic is free, and paid tiers are free for the first month (20). A person signs up in the app with identity checks (0)." }, { "key": "tasks", "name": "Task success", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored." }, { "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "effectiveWeight": 8.75, "score": 56, "points": 4.9, "reason": "Read for a closed service. iOS 3.93.0 on 12 October 2026 (30). 16 iOS versions from 16 July to 12 October (20). Release notes describe products, a help centre and live support, which we didn't test (6 of 15). No MCP server or SDK (0). No package or CI to judge (0)." }, { "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "effectiveWeight": 8.75, "score": 58, "points": 5.08, "note": "editorial 43, provenance 72", "reason": "Closed service under terms with Plum Fintech Limited and Saveable Limited, undated (15). The privacy policy, also undated, names a DPO, keeps AML records for five years after the relationship ends, and says anonymised transaction data may be shared commercially (18 of 30). No deprecation policy or dated notices found (2 of 20). TrueLayer, GoCardless, Onfido, ComplyAdvantage and the e-money providers are named; transfers outside the EEA are described without locations (8 of 20)." } ], "assessment": { "date": "2026-10-14", "basis": "public evidence", "confidence": "medium", "notes": { "ergonomics": "Graded on the interface an outside agent can use. Plum has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people.", "maintenance": "Read for a closed service. iOS 3.93.0 on 12 October 2026 (30). 16 iOS versions from 16 July to 12 October (20). Release notes describe products, a help centre and live support, which we didn't test (6 of 15). No MCP server or SDK (0). No package or CI to judge (0).", "payments": "Read with the hosted rule. No x402, MPP or L402 (0). Public tier prices on the subscriptions page (10). Basic is free, and paid tiers are free for the first month (20). A person signs up in the app with identity checks (0).", "reliability": "Read with the hosted lines. Statuspage at status.withplum.com with components for bank connections, deposits, withdrawals, investments and the app, and history (20). From 16 July to 14 October 2026 one incident, support chat degraded on 3 and 4 August, marked no impact (30). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2019 and not labelled beta (10).", "schema": "Graded on the interface an outside agent can use. Plum has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. withplum.com/llms.txt lists products and legal pages (10). With no agent interface there is nothing to version (0 of 15).", "security": "Graded on the interface an outside agent can use. With none for Plum, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, bank access is read-only through TrueLayer and identity checks use Onfido. withplum.com/.well-known/security.txt returns 404, and no disclosure policy, bug bounty or certification was found (0 of 20).", "transparency": "Closed service under terms with Plum Fintech Limited and Saveable Limited, undated (15). The privacy policy, also undated, names a DPO, keeps AML records for five years after the relationship ends, and says anonymised transaction data may be shared commercially (18 of 30). No deprecation policy or dated notices found (2 of 20). TrueLayer, GoCardless, Onfido, ComplyAdvantage and the e-money providers are named; transfers outside the EEA are described without locations (8 of 20)." }, "sources": [ { "what": "home page", "url": "https://withplum.com/", "seen": "2026-10-14" }, { "what": "subscriptions and prices", "url": "https://withplum.com/subscriptions", "seen": "2026-10-14" }, { "what": "Plum Plan", "url": "https://withplum.com/plan", "seen": "2026-10-14" }, { "what": "terms", "url": "https://withplum.com/legal/terms", "seen": "2026-10-14" }, { "what": "privacy policy", "url": "https://withplum.com/legal/privacy", "seen": "2026-10-14" }, { "what": "llms.txt", "url": "https://withplum.com/llms.txt", "seen": "2026-10-14" }, { "what": "status incidents", "url": "https://status.withplum.com/api/v2/incidents.json", "seen": "2026-10-14" }, { "what": "App Store listing and version history", "url": "https://apps.apple.com/gb/app/id1456139507", "seen": "2026-10-14" }, { "what": "Plum AI press release", "url": "https://withplum.com/press/plum-unveils-ai-tool-using-google-gemini", "seen": "2026-10-14" } ], "openQuestions": [ "Dates of the terms and privacy policy.", "Retention periods beyond the five-year AML records." ] }, "negative": 0, "verdict": "Plum automates saving and investing for UK and European users from their bank data, with a free tier, public prices, a status page and weekly iOS releases. There is no public API or MCP server an outside agent can call, and its AI tools run only inside the app. No security contact was found.", "bestFor": "UK and European users who want saving and investing automated from their spending.", "strengths": [ "Free Basic tier, with paid tiers priced publicly and free for the first month.", "16 iOS releases between 16 July and 12 October 2026.", "Status page with one no-impact incident in the last 90 days." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "No security.txt, disclosure policy or certification found.", "Anonymised transaction data may be shared for commercial purposes, per the privacy policy.", "Terms and privacy policy carry no dates." ], "agentNotes": [ "Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.", "Plum moves real money between accounts and investments, so leave any change to automations or withdrawals to the person." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "F", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 27.4 } ], "editorialScores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 60, "schema": 10, "security": 0, "transparency": 43 }, "provenanceScore": 72 }, "connect": {}, "letme": { "capability": "https://letme.dev/finance.transactions", "tool": "https://letme.dev/plum" }, "notable": [ "withplum.com/llms.txt lists products, automations and legal pages, and names no API (https://withplum.com/llms.txt)", "Plum AI, announced on 9 September 2025, is an assistant built on Google Cloud and Gemini inside the app; Plum Plan builds an AI savings plan in the app (https://withplum.com/press/plum-unveils-ai-tool-using-google-gemini, https://withplum.com/plan)", "The status page has an API component, which tracks Plum's own service; no public API is documented (https://status.withplum.com)", "Plum Fintech Limited is registered with the FCA (reference numbers 836158 and 902844) for account information services; e-money is held with Modulr FS Limited or Plum Fintech Payments Limited (FRN 1023776) (https://withplum.com/legal/terms)", "The privacy policy names TrueLayer, GoCardless, Onfido, ComplyAdvantage and the e-money providers, says anonymised transaction data may be shared for commercial purposes, and keeps AML records for five years (https://withplum.com/legal/privacy)" ], "area": "domain-data", "details": [ { "label": "Surface listed", "value": "The Plum app, read from withplum.com (home page, subscriptions, Plum Plan, terms, privacy policy, fees, llms.txt), the status page and the UK App Store listing on 14 October 2026. No account was created." }, { "label": "Outside agent access", "value": "None. No public API or MCP server is documented; the AI tools run inside the app." }, { "label": "What it does", "value": "Spend insights from connected accounts, automations that move money aside, savings accounts, Cash and Lifetime ISAs, a stocks and shares ISA, a pension and investments (https://withplum.com/subscriptions)" }, { "label": "Regulation", "value": "FCA reference numbers 836158 and 902844 (account information services); e-money with Modulr FS (FRN 900573) or Plum Fintech Payments (FRN 1023776)" }, { "label": "Company", "value": "Plum Fintech Limited, company number 09952199, and Saveable Limited, Floor 2, 2-7 Clerkenwell Green, London EC1R 0DE" } ], "provenance": { "legalEntity": "Plum Fintech Limited", "domain": "withplum.com", "domainRegistered": "2016-03-15", "endpointOnVendorDomain": null, "terms": "https://withplum.com/legal/terms", "privacy": "https://withplum.com/legal/privacy", "statusPage": "https://status.withplum.com", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms are with Plum Fintech Limited and Saveable Limited acting together. The privacy policy names both as data controllers, with a DPO at dpo@withplum.com. No date was found on either.", "withplum.com/.well-known/security.txt returns 404, and no security or disclosure page was found.", "The status page at status.withplum.com is a Statuspage site.", "RDAP gives a registration date of 2016-03-15 for withplum.com." ], "score": 72, "checks": [ { "check": "Legal entity named", "value": "Plum Fintech Limited", "points": 20, "max": 20, "state": "ok" }, { "check": "Domain age", "value": "withplum.com, registered 2016-03-15 (10 years)", "points": 15, "max": 15, "state": "ok" }, { "check": "Endpoint on the vendor's domain", "value": "no hosted endpoint", "points": 0, "max": 0, "state": "na" }, { "check": "Terms of service", "value": "read, states 6 of the 7 things a reader expects, and has 1 clause that costs points", "points": 7.1, "max": 10, "state": "part" }, { "check": "Privacy policy", "value": "read, states 7 of the 8 things a reader expects", "points": 9.3, "max": 10, "state": "part" }, { "check": "Status page", "value": "status.withplum.com", "points": 10, "max": 10, "state": "ok" }, { "check": "Changelog", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "security.txt", "value": "not found", "points": 0, "max": 10, "state": "no" } ], "policies": [ { "kind": "terms", "url": "https://withplum.com/legal/terms", "state": "read", "readAt": "2026-10-14", "statedDate": "2026-07-15", "words": 302718, "points": 7.1, "max": 10, "expected": [ { "key": "terms.date", "label": "Gives the date it was last updated", "found": true, "quote": "Click here to view our previous General Terms \u0026 Conditions (effective up to 15 July 2026)", "says": "Last updated 2026-07-15" }, { "key": "terms.law", "label": "Names the governing law or courts", "found": true, "quote": "The GIA/ISA Product Provider Agreement is governed by the laws of England and Wales.", "says": "The law of England and Wales" }, { "key": "terms.liability", "label": "States a limit on its liability", "found": true, "quote": "…from any and all third party claims, liability, damages, expenses, and costs (including, but not limited to, reasonable solicitors’ fees) caused by or arising from your use of the Products and Services, your violation of these Terms or your infringement, or infringement by any other user of your Plum Account, of any i…" }, { "key": "terms.termination", "label": "Says how the agreement or account can be ended", "found": true, "quote": "…your security credentials, or that the security credentials have become or may become compromised, you shall inform Plum immediately and Plum reserves the right to suspend your access to and use of the Products and Services until such time as changes are made to its security credentials." }, { "key": "terms.changes", "label": "Says how changes to the terms are announced", "found": true, "quote": "Products and Services, or by failing to notify us of your objection within ten (10) Business Days after the changes to these Terms have been communicated to you, you agree to be bound by the revised Terms.", "says": "Gives ten business days of notice before a change" }, { "key": "terms.use", "label": "Lists what users may not do", "found": true, "quote": "You will not be able to use any of our Products and Services unless you accept these Terms." }, { "key": "terms.sla", "label": "Refers to a service level or uptime commitment", "found": false } ], "toKnow": [ { "key": "terms.nonotice", "label": "Says the terms or the service can change without notice", "found": true, "quote": "Plum may reasonably, and as permitted under applicable law(s), add, modify or discontinue any feature, functionality or any other tool within the Products and Services at its own discretion and without further notice to you.", "costsPoints": true }, { "key": "terms.cutoff", "label": "Says access can be ended without notice or for any reason", "found": true, "quote": "Suspension: where we become aware of any circumstances, or the possibility of such circumstances, under Clause 12.1.3 arising in connection with you, we may suspend your Plum account with immediate effect and without prior notice to you whilst we conduct an investigation in relation to such circumstances." } ] }, { "kind": "privacy", "url": "https://withplum.com/legal/privacy", "state": "read", "readAt": "2026-10-14", "words": 3249, "points": 9.3, "max": 10, "expected": [ { "key": "privacy.date", "label": "Gives the date it was last updated", "found": false }, { "key": "privacy.collected", "label": "Says what personal data is collected", "found": true, "quote": "This Privacy Policy (Privacy Notice) describes how we collect, use, process, and disclose your information, including personal information, as you use, and access the Plum app." }, { "key": "privacy.retention", "label": "Says how long data is kept", "found": true, "quote": "We generally retain your information for as long as it is necessary for the performance of the contract we have with you, or to comply with our regulatory obligations.", "says": "For as long as needed, with no period named" }, { "key": "privacy.processors", "label": "Says who else receives the data", "found": true, "quote": "Other selected service providers (as these will be communicated to you from time to time subject to GDPR rules)." }, { "key": "privacy.sale", "label": "Says whether personal data is sold or shared for advertising", "found": true, "quote": "Business Transfers — in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets." }, { "key": "privacy.rights", "label": "Says what rights people have over their data", "found": true, "quote": "GDPR gives you the right to see, erase, or challenge the data we hold about you (among other rights)." }, { "key": "privacy.contact", "label": "Gives a privacy contact", "found": true, "quote": "If you have any further questions, you can reach our Data Protection Officer on dpo@withplum.com.", "says": "dpo@withplum.com" }, { "key": "privacy.transfers", "label": "Says where data is transferred or stored", "found": true, "quote": "If we do transfer your personal information outside the EEA to our suppliers, we will make sure that it is protected to the same extent as in the EEA." } ] } ] }, "pageJsonUrl": "https://www.anchorterminal.com/tools/plum.json", "live": { "slug": "plum", "vendorStatus": { "page": "https://status.withplum.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:37.163047282Z" }, "updatedAt": "2026-10-14T09:39:37.163047282Z" } } }