Plum

Plum is a UK-based smart money app that uses AI to analyse spending patterns and automatically set aside affordable amounts into savings. Available on iOS and Android, Plum also offers easy-access savings accounts with competitive interest rates, investment funds including stocks and shares ISAs, and bill-switching tools. The app connects to users' bank accounts via Open Banking and is regulated by the FCA. Plum periodically runs referral programmes rewarding existing users with cash bonuses for each friend who signs up and begins depositing money, though the specific reward amount and availability vary by promotional period.