Plum Referral Code 2026: Earn €45 per 3 Friends
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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: €45 paid to the referrer per 3 validated friends (€15 each) — invited new users don't get a guaranteed cash bonus
- No promo code to enter: the offer activates via a clickable referral link
- AI auto-savings app that analyses your income and spending to set money aside effortlessly
- Invest in 3,000+ stocks and 66+ ETFs from €1, plus an interest-bearing Plum account
- Free Basic plan; paid plans €3.99–€11.99/month, each with a 30-day trial
- British fintech (London, 2016), EU-regulated via its Cyprus entity (CySEC); 2 million+ users in Europe
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, not a code: click the "Get the deal" button on this page, create your account in a few minutes and connect your bank account. To validate the referral you then either set up an automatic savings rule or make a deposit into a Plum investment account. The reward goes to the referrer (the person who shared the link): €15 per validated friend, paid in batches of 3 (€45). The invited user gets the app and a 30-day trial, but no guaranteed cash bonus.
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 for the referrer
Plum's referral programme rewards the referrer: €15 per validated friend, paid per 3 referrals (i.e. €45 at a time). A key point often misreported: the invited friend does not get a guaranteed cash reward — the official programme only pays the person sending the invite. New users instead get a 30-day trial on a paid plan, plus the occasional welcome promo when Plum runs one. Each referral is validated once the new user sets up their first savings rule or makes their first investment deposit. Amounts (€15 / €45) can vary with current campaigns.
The Plum offer at a glance
| Summary | Detail |
|---|---|
| Referrer bonus | €15 per friend, paid per 3 (€45) |
| New-user bonus | No guaranteed cash · 30-day free trial |
| Activation condition | A savings rule OR an investment deposit |
| Code to enter | None (referral link) |
| Plans | Free Basic · paid €3.99–€11.99/month |
| Users | 2 million+ in Europe |
| Regulation | EU — Cyprus entity Plum Money CY (CySEC) |
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" won't return a code to copy and paste. Beware a common mix-up too: search engines often confuse this Plum (the savings app, withplum.com) with Plum Living, a design furniture-front brand that does hand out real discount codes. For the savings app, "Plum promo code" and "Plum referral" mean the same thing: our link activates the referral, moving the referrer €15 closer to the €45 milestone.
Investing with Plum and the plans
Beyond auto-savings, Plum lets you invest directly in the app in individual stocks (3,000+ international names), ETFs (66+ thematic funds) and funds, from €1 and on the free plan. It also offers an interest-bearing Plum Interest account (roughly 1.2%–1.9% gross depending on plan, funds protected up to €20,000) and, in some markets, crypto. Pockets (themed sub-accounts) let you ring-fence savings for specific goals: holidays, a car, a property deposit. On plans: Basic (free), Plus (€3.99/mo), Boost (€8.99/mo) and Max (€11.99/mo), each with a 30-day free trial. 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's less suited to disciplined savers who prefer to manage their own transfers, or those seeking high returns (Plum Interest rates, ~1.2%–1.9% gross, are close to standard savings accounts). EU regulation and 2 million+ users are good marks of seriousness. The offer is for new users only; bank connection via open banking is mandatory; the referrer earns €15 per friend (paid per 3), while invited users get no guaranteed cash bonus — just a 30-day trial. In the EU the service is provided by Plum Money CY, regulated by CySEC (Cyprus), with Plum Interest funds protected up to €20,000. Founded in 2016 in London by Victor Trokoudes and Alex Michael, Plum has since 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. That action validates the referral. Note: it is the referrer who gets the reward (€15, paid per 3 = €45); as a new user you do not get a guaranteed cash bonus, but a 30-day trial and full access to the app.
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).
Does the Plum referral depend on the chosen plan?
No. The referral is independent of your subscription. Whether you stay on the free Basic plan or go paid (Plus €3.99, Boost €8.99 or Max €11.99/month, each with a 30-day trial), the referral stays valid and the referrer's rewards 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.
How much do Plum's plans cost?
Plum has four plans: free Basic, Plus at €3.99/month, Boost at €8.99/month and Max at €11.99/month. Every paid plan starts with a 30-day free trial. Auto-savings and investing from €1 are available on the free plan; paid plans add advanced savings rules, better rates and reduced investment fees.
Is Plum available in France and who regulates it?
Yes, Plum is available in France and about ten European countries. A British fintech founded in London in 2016, it operates in the EU through its Plum Money CY entity, regulated by CySEC (Cyprus). Funds held in the Plum Interest account are protected up to €20,000. Investments in stocks and ETFs carry a risk of capital loss.