If you’re trying to find one of the best automatic savings apps in the UK, the Plum savings app is definitely worth a look. It’s designed to help you save money automatically without having to think about it too much.

In this Plum app review, I’ll walk you through the main features — including Plum round ups, the Plum refer a friend bonus, pensions, ISAs and investing — so you can see whether it’s the right fit for you.

How to Save Money Automatically with Plum

One of the biggest reasons I decided to try the Plum savings app was for the automation. I’ve always had good intentions when it comes to saving, but actually sticking to it? That’s another story — especially with how expensive everything has become lately.

Plum connects securely to your bank account, looks at your income and spending habits, and then sets aside small amounts based on the rules you choose. This can be adjusted if you would like it lower or higher. What I like is that it doesn’t feel extreme or restrictive. It just quietly moves a little bit here and there into your savings.

I’ll be honest — I’ve struggled in the past to save consistently. Between bills going up, food prices rising, and general day-to-day costs, saving has often felt impossible. But this “set it and forget it” approach has genuinely made a difference for me because I’m not relying on willpower anymore. It happens automatically, and over time, it really adds up.

Plum Round Ups Explained

A popular feature is Plum round ups.

Here’s how it works:

  • Every time you spend, Plum rounds your purchase up to the nearest pound.
  • The spare change is automatically moved into your savings.

It’s a really simple way to build savings up gradually. You won’t notice a big difference day to day, but over time those round ups can add up significantly.

This is one of the easiest ways to save money automatically in the UK without adjusting your lifestyle.

Plum Cash ISA and Plum Lifetime ISA

You can also open:

  • Plum Cash ISA – Earn interest tax-free on your savings.
  • Plum Lifetime ISA – Ideal for first-time buyers or retirement, with a 25% government bonus (subject to eligibility and limits).

Using a Plum Lifetime ISA can be especially powerful if you’re saving for your first home, as the government bonus boosts your deposit savings faster than a standard account.

These options add to Plum long list of making more out of your money without any effort — it becomes part of a long-term financial plan.

Plum Investing App Features

The Plum investing app also allows you to start investing from small amounts.

You can:

  • Invest in funds or themed portfolios
  • Open a Stocks & Shares ISA
  • Start with as little as £1

If you’re new to investing, Plum offers a beginner-friendly way to start building up your plum savings . Of course, investing carries risk and your returns aren’t guaranteed — but over the long term, it can help grow your money beyond standard savings interest.

Plum Pension Review UK: Planning for the Future

If you’re researching a Plum pension review UK, here’s what you should know.

Plum allows you to:

  • Open a personal pension
  • Combine old pensions into one place
  • Manage contributions easily through the app

Having everything visible in one dashboard makes retirement planning feel much more manageable — especially if you’ve changed jobs and built up multiple pension pots over time. I really like this feature.

Plum Refer a Friend Bonus

Another benefit worth mentioning is the Plum refer a friend scheme. I love refer a friend offers, I just see it as free money while recommending something I myself use and believe in.

When you invite friends to join the app and they meet the qualifying criteria, you can earn cash bonuses paid into your account. Referral offers change from time to time, but it’s a simple way to boost your savings while helping others get started.

Is Plum One of the Best Automatic Savings Apps UK?

If your goal is to:

  • Save money automatically in the UK
  • Use round ups to build savings
  • Open a Plum Cash ISA or Plum Lifetime ISA
  • Start investing with small amounts
  • Consolidate pensions in one place

Then the Plum savings app is definitely worth considering.

It combines automation, investing, ISAs and pensions in one easy-to-use platform — making it ideal for beginners and people creating new habits

You can sign up to Plum here.

Why not have a look at our latest blog post about using Sprive to help pay off your mortgage early by using cashback from your everyday shop. It’s highly recommend and supported by three members from Dragon’s Den. Link is here.