Plum Referral Code juin 2026: Up to €45 via Referral
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Promo offer
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Up to €45Valid on plum • Click to claim the offer
About this offer
- Plum referral: €1 for the new user on a €1 deposit, €45 paid to the referrer per batch of 3
- An AI auto-savings app that analyses your income and spending
- Investing in stocks and ETFs from €1 within the app
- A free plan available, Pro at €2/month for advanced features
- 2.5 million+ users in Europe, FCA-regulated (UK)
Click the promo link to access the Up to €45 on plum. This offer is verified and regularly updated.
How to activate the Plum referral
The Plum referral works through an invitation link: click "Get the deal" on this page, create your account in a few minutes and connect your bank account. To trigger the bonus, you then either set up an automatic savings rule or make a deposit into a Plum investment account. Once that condition is met, the bonus is credited. No code to enter — everything activates automatically via the Plum referral link.
Connecting your bank account to Plum
Plum uses open-banking technology to connect to your existing bank account in read-only mode — it cannot make transfers without your explicit consent. This connection lets Plum's algorithm analyse your income and spending to calculate amounts it can set aside without overdrawing you. The connection goes through a secure interface recognised by your bank, compatible with most banks, neobanks and European institutions.
The Plum referral offer: up to €45 free
Plum's referral programme rewards referrers with €45 paid per 3 successful referrals (i.e. €15 per validated referral). For the new user, the offer is €1 free once they make a €1 minimum deposit. These amounts are outside any one-off promotions that may temporarily increase bonuses. The Plum referral is therefore progressive: the more you refer, the more you accumulate. Each referral is validated when the new user sets up their first savings rule or makes their first investment deposit.
The Plum offer at a glance
| Summary | Detail |
|---|---|
| New-user bonus | €1 free (from a €1 deposit) |
| Referrer bonus | €45 per 3 referrals |
| Activation condition | A savings rule OR an investment deposit |
| Code to enter | None (referral link) |
| Subscription | Free or Pro €2/month |
| Number of users | 2.5 million+ in Europe |
| Regulation | FCA (UK) |
How Plum decides how much to save for you
Plum's AI analyses your income, fixed expenses and payment habits to calculate a weekly savings amount suited to your situation. The algorithm ensures it never overdraws you. You can adjust the savings intensity and create specific rules: round-up to the nearest euro, save on rainy days, set aside on no-spend days. Every transfer to your Plum savings is a decision you confirm before execution.
Promo code or referral link: what is the difference?
Plum does not use a standard alphanumeric promo code at sign-up. The welcome offer activates exclusively via a clickable referral link. Searching for a "Plum promo code" will not find a code to copy and paste — but our referral link produces the same result: €1 free for the new user and €15 of progress toward the €45 for the referrer. "Plum promo code" and "Plum referral" mean the same opportunity.
Investing with Plum and the plans
Beyond auto-savings, Plum lets you invest directly in the app in individual stocks, ETFs and thematic funds from €1, covering US and European markets. The app also includes Pockets (themed sub-accounts) to allocate savings to specific goals: holidays, a car, a property deposit. On plans: Basic (free — auto-savings, 1 Pocket, spending insights) and Pro (€2/month — unlimited Pockets, cashback, advanced goals, priority access). For low-fee passive ETF investing, Scalable Capital is a complementary alternative; for broader wealth tracking, Finary fits well.
Review, conditions and our verdict
Plum is ideal for people who struggle to save regularly or want to automate saving without thinking about it. The AI does the deciding: each week you discover a small amount has been set aside. It is less suited to disciplined savers who prefer to manage their own transfers, or those seeking high returns (Plum savings rates are comparable to regulated savings). FCA regulation and 2.5 million users are good marks of seriousness. The offer is for new users only; bank connection via open banking is mandatory; the €1 new-user bonus requires an actual €1 deposit; referrer bonuses are paid in batches of 3. Founded in 2016 in London, Plum has expanded across the EU. Investments in stocks/ETFs carry market risk — capital is not guaranteed.
Our verdict: a smart, low-friction way to build a savings habit, alongside tools like Yomoni or Revolut for broader money management.
Frequently asked questions
How do I activate the Plum referral and get the bonus?
Click our Plum referral link, create your account, connect your bank via open banking, then set up an automatic savings rule OR make a €1 minimum deposit into an investment account. The €1 new-user bonus is credited automatically once that condition is met.
Is Plum secure? Can it transfer money without my consent?
Plum connects to your bank in read-only mode via open banking (a regulated API). It cannot initiate transfers without your explicit authorisation. Each savings move is notified beforehand and confirmable in the app. Plum is FCA-regulated (UK).
Can the Plum referral be combined with the Pro subscription?
Yes. The Plum referral bonus is independent of the chosen plan. Whether you stay on the free plan or go Pro (€2/month), your referral stays valid and bonuses are credited normally.
When does the referrer receive the €45 Plum bonus?
The referrer earns €15 per validated referral, but payment happens every 3 referrals (i.e. €45 at a time). So with 1 or 2 referrals, the bonus is pending until the 3rd validated referral. Validation requires the new user to set up a savings rule or make a deposit.
Can Plum be used without connecting my bank?
No. The open-banking connection is essential: it lets the algorithm analyse your income and spending to calculate amounts to save. Without it, you cannot use the main features. If you are reluctant to connect your bank, Plum is probably not the right tool.
Do Plum investments carry a risk of loss?
Yes. Investing in stocks and ETFs via Plum is a market-exposed financial investment — your capital is not guaranteed and loss is possible. Auto-savings placed in Pockets is not a stock-market investment and does not carry that market risk, though rates are variable.