# Plum vs Snoop

> Plum and Snoop score within a point of each other for personal transactions, 27.4 and 26.7 out of 100. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/plum-vs-snoop
- Markdown: https://www.anchorterminal.com/compare/plum-vs-snoop.md (~1,700 tokens)
- Slim: https://www.anchorterminal.com/compare/plum-vs-snoop.min.md (~480 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/plum-vs-snoop.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

Plum and Snoop score within a point of each other on agent readiness, 27.4 (F) and 26.7 (F). Snoop leads on security & auth. Both do personal transactions.

- Plum: grade F, 27.4/100, rank #1026 of 1076. Markdown https://www.anchorterminal.com/tools/plum.md · JSON https://www.anchorterminal.com/api/v1/tools/plum.json
- Snoop: grade F, 26.7/100, rank #1027 of 1076. Markdown https://www.anchorterminal.com/tools/snoop.md · JSON https://www.anchorterminal.com/api/v1/tools/snoop.json
- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md
- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md

## Which one, for what

### Plum (F)

Good for: UK and European users who want saving and investing automated from their spending.

Ahead on:
- Schema & documentation, 10 against 0

Watch for: No public API or MCP server an outside agent can call.

### Snoop (F)

Good for: UK users who want bills and subscriptions watched and savings suggested at no cost.

Ahead on:
- Security & auth, 6 against 0

Watch for: No public API or MCP server an outside agent can call.


## Score by category

| Category | Weight | Plum | Snoop | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 60 | 60 | even |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 10 | 0 | Plum +10 |
| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |
| Security & auth | 14% (17.5 this run) | 0 | 6 | Snoop +6 |
| Payments & pricing | 10% (12.5 this run) | 30 | 30 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 56 | 55 | Plum +1 |
| Transparency & trust | 7% (8.8 this run) | 58 | 58 | even |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **27.4 · F** | **26.7 · F** | |

## Facts side by side

| Fact | Plum | Snoop |
| --- | --- | --- |
| Kind | Platform | Platform |
| Vendor | Plum Fintech Limited | Usnoop Limited |
| Hosted endpoint | no (local only) | no (local only) |
| Transports |  |  |
| Auth | OAuth or key | OAuth or key |
| Pricing | Freemium | Freemium |
| x402 | no | no |
| Licence | Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited) | Closed service under Snoop's terms and conditions (Usnoop Limited) |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-10-12 | 2026-09-30 |
| Terms last updated | 2026-07-15 | no date given |
| Privacy policy last updated | no date given | no date given |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | yes | not found in the text |
| Arbitration or class-action waiver | not found in the text | not found in the text |

## Verdicts

**Plum.** 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.

**Snoop.** Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.

## Before you call either

### Plum

1. Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.
2. Plum moves real money between accounts and investments, so leave any change to automations or withdrawals to the person.

### Snoop

1. Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.
2. For a business data arrangement, the route is partnerships@snoop.app, not an API.

## Questions

### Which is better for AI agents, Plum or Snoop?

Plum and Snoop score within a point of each other on agent readiness, 27.4 (F) and 26.7 (F). Snoop leads on security & auth.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/plum-vs-snoop.json, and with the fewest tokens: https://www.anchorterminal.com/compare/plum-vs-snoop.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "plum", "b": "snoop"}`. From a terminal: `anchor compare plum snoop`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/plum.json and https://www.anchorterminal.com/api/v1/tools/snoop.json

## Other comparisons with Plum or Snoop

- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)
- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)
- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)
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- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md)
- [PocketGuard vs Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)
- [Snoop vs YNAB](https://www.anchorterminal.com/compare/snoop-vs-ynab.md)
- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)
- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)
- [Hiatus vs Plum](https://www.anchorterminal.com/compare/hiatus-vs-plum.md)
- [Plum vs PocketGuard](https://www.anchorterminal.com/compare/plum-vs-pocketguard.md)
- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md)
- [Plum vs Rocket Money](https://www.anchorterminal.com/compare/plum-vs-rocket-money.md)
- [Plum vs YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)