# Plum > 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. - Canonical: https://www.anchorterminal.com/tools/plum - Markdown: https://www.anchorterminal.com/tools/plum.md (~4,350 tokens) - Slim: https://www.anchorterminal.com/tools/plum.min.md (~1,080 tokens, same facts, less prose, for token-sensitive contexts) - JSON: https://www.anchorterminal.com/tools/plum.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 ## Overview **Grade F · 27.4/100 · rank #1026 of 1076 · #2 in Subscriptions, bills & personal finance · not agent-ready · not for agents · confidence medium** ## Assessment 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. ## Facts | Field | Value | | --- | --- | | Vendor | Plum Fintech Limited (https://withplum.com) | | Kind | Platform | | Category | Subscriptions, bills & personal finance (https://www.anchorterminal.com/categories/personal-finance) | | Auth | OAuth or key · 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 (Freemium) · 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). | | x402 | No · No x402, MPP or L402 on withplum.com, its llms.txt, subscriptions page or terms (checked 2026-10-14). | | Licence | Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited) | | llms.txt | https://withplum.com/llms.txt | | Last release | 2026-10-12 | | Surface listed | 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. | | Outside agent access | None. No public API or MCP server is documented; the AI tools run inside the app. | | What it does | 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) | | Regulation | FCA reference numbers 836158 and 902844 (account information services); e-money with Modulr FS (FRN 900573) or Plum Fintech Payments (FRN 1023776) | | Company | Plum Fintech Limited, company number 09952199, and Saveable Limited, Floor 2, 2-7 Clerkenwell Green, London EC1R 0DE | | Capabilities | finance.transactions | | Tags | not-for-agents, hosted, official, closed-source, freemium, free-tier, ios, android, uk, eu, status-page, llms-txt | | JSON | https://www.anchorterminal.com/api/v1/tools/plum.json | ## Score breakdown (methodology v0.4, October 2026 research run) Assessed 2026-10-14 from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/#checklist). Confidence: medium. Performance and Task success pending (no score, not in the total); the total is Σ(score × weight) ÷ 80 over the 7 assessed categories. "This run" is each category's share of the 100 points. | Category | Weight | This run | Score (0–100) | Points | | --- | --- | --- | --- | --- | | Reliability | 16% | 20 | 60 | 12.0 | | Performance | 10% | pending | pending | n/a | | Schema & documentation | 13% | 16.2 | 10 | 1.6 | | Agent ergonomics | 13% | 16.2 | 0 | 0.0 | | Security & auth | 14% | 17.5 | 0 | 0.0 | | Payments & pricing | 10% | 12.5 | 30 | 3.8 | | Task success | 10% | pending | pending | n/a | | Maintenance & community | 7% | 8.8 | 56 | 4.9 | | Transparency & trust (editorial 43, provenance 72) | 7% | 8.8 | 58 | 5.1 | | Negative events | up to −15 | up to −15 | none recorded | 0 | | **Total** | | | | **27.4 → F** | ### Why each score - Reliability 60: 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). - Performance: 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. - Schema & documentation 10: 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). - Agent ergonomics 0: 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. - Security & auth 0: 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). - Payments & pricing 30: 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). - Task success: 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. - Maintenance & community 56: 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). - Transparency & trust 58: 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). Fix list for a coding agent, everything this grade says the listing lacks, the biggest gain first (13 items): https://www.anchorterminal.com/fixes/plum.md (JSON https://www.anchorterminal.com/fixes/plum.json) ### What we couldn't check - Dates of the terms and privacy policy. - Retention periods beyond the five-year AML records. ### Sources - home page: (seen 2026-10-14) - subscriptions and prices: (seen 2026-10-14) - Plum Plan: (seen 2026-10-14) - terms: (seen 2026-10-14) - privacy policy: (seen 2026-10-14) - llms.txt: (seen 2026-10-14) - status incidents: (seen 2026-10-14) - App Store listing and version history: (seen 2026-10-14) - Plum AI press release: (seen 2026-10-14) ## Who's behind it (provenance 72/100, checked 2026-10-14) | Check | Finding | Points | | --- | --- | --- | | Legal entity named | Plum Fintech Limited | 20/20 | | Domain age | withplum.com, registered 2016-03-15 (10 years) | 15/15 | | Endpoint on the vendor's domain | no hosted endpoint | n/a | | Terms of service | read, states 6 of the 7 things a reader expects, and has 1 clause that costs points | 7.1/10 | | Privacy policy | read, states 7 of the 8 things a reader expects | 9.3/10 | | Status page | status.withplum.com | 10/10 | | Changelog | not found | 0/10 | | security.txt | not found | 0/10 | 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. ### Terms and privacy, as read A reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice. **Terms of service** (https://withplum.com/legal/terms), read 2026-10-14, dated 2026-07-15, states 6 of the 7 things a reader expects. - To know. Says the terms or the service can change without notice (costs points). "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." - To know. Says access can be ended without notice or for any reason. "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." - Gives the date it was last updated. Last updated 2026-07-15. - Names the governing law or courts. The law of England and Wales. - Says how changes to the terms are announced. Gives ten business days of notice before a change. - Not found in the text. Refers to a service level or uptime commitment. **Privacy policy** (https://withplum.com/legal/privacy), read 2026-10-14, gives no date, states 7 of the 8 things a reader expects. - Not found in the text. Gives the date it was last updated. - Says how long data is kept. For as long as needed, with no period named. - Gives a privacy contact. dpo@withplum.com. ## Live (updated 2026-10-14 09:39 UTC) - Vendor status page: none, All Systems Operational - Always current: https://www.anchorterminal.com/api/v1/live/plum.json ## Probe metrics Not measured yet. Our benchmark probes haven't run, so there's no availability, latency or error rate from a run and Performance is pending. Live uptime, where we poll the endpoint, is under Live and doesn't change the score. ## 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. ## Before you call it (notes for agents) 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. ## Similar tools Ranked by shared capabilities, then score. Same-category tools with no shared capability key are listed last. | Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown | | --- | --- | --- | --- | --- | --- | --- | | YNAB | B | 65.1 | 351 | finance.transactions | no | https://www.anchorterminal.com/tools/ynab.md | | Snoop | F | 26.7 | 1027 | finance.transactions | no | https://www.anchorterminal.com/tools/snoop.md | | Quicken Simplifi | F | 20.7 | 1037 | finance.transactions | no | https://www.anchorterminal.com/tools/quicken-simplifi.md | | Emma | F | 17.4 | 1044 | finance.transactions | no | https://www.anchorterminal.com/tools/emma.md | | Rocket Money | F | 17 | 1046 | finance.transactions | no | https://www.anchorterminal.com/tools/rocket-money.md | | Copilot Money | F | 16.3 | 1049 | finance.transactions | no | https://www.anchorterminal.com/tools/copilot-money.md | ## Panel reviews (0) Reviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): . Desk reviews, written from public documentation, pricing, terms, source and status history on 1 October 2026. No calls made. For a desk review, the outcome says whether the reviewer's questions could be answered from public material: success, partial or failure. How reviews work: https://www.anchorterminal.com/reviews/how-it-works.md ## Notable - withplum.com/llms.txt lists products, automations and legal pages, and names no API (source: ) - 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 (source: ) - The status page has an API component, which tracks Plum's own service; no public API is documented (source: ) - 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) (source: ) - 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 (source: ) - #2 of 10 in 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 ## Compare - [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md): F 16.3 vs F 27.4 - [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md): F 17.4 vs F 27.4 - [Hiatus vs Plum](https://www.anchorterminal.com/compare/hiatus-vs-plum.md): F 14.3 vs F 27.4 - [Plum vs PocketGuard](https://www.anchorterminal.com/compare/plum-vs-pocketguard.md): F 27.4 vs F 14.6 - [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md): F 27.4 vs F 20.7 - [Plum vs Rocket Money](https://www.anchorterminal.com/compare/plum-vs-rocket-money.md): F 27.4 vs F 17 - [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md): F 27.4 vs F 26.7 - [Plum vs YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md): F 27.4 vs B 65.1 ## Verify this listing For the vendor. The badge or a plain link to this page verifies the listing, from a page on withplum.com or one of its subdomains. It shows the listing is the vendor's and that the vendor knows it's here, and it never changes a grade, rank or review. The vendor sends the page's address to `POST https://www.anchorterminal.com/api/v1/verify` as `{"slug": "plum", "url": "…"}`, or calls the `verify_listing` tool at https://www.anchorterminal.com/mcp. We fetch the page once, then again every week; two failed checks in a row and the verification lapses, and a later pass restores it. What we check: https://www.anchorterminal.com/builders/index.md#verify HTML badge: ```html Plum on Anchor Terminal ``` Markdown badge, for a README: ```markdown [![Plum on Anchor Terminal](https://www.anchorterminal.com/badges/plum.svg)](https://www.anchorterminal.com/tools/plum) ``` Plain link: ```html Plum on Anchor Terminal ``` ## Share this listing For the vendor. Sharing assets for social media, two PNGs of 1200 × 630 that say Plum is listed on Anchor Terminal, with the vendor's logo and this page's address and no grade or score. - Dark: https://www.anchorterminal.com/assets/share/plum-dark.png - Light: https://www.anchorterminal.com/assets/share/plum-light.png - Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=plum