£15 per three referrals — so £5 each

Plum Referral Code

Q: How much is the Plum referral actually worth?

Five pounds per friend. Plum pays £15 for every three successful referrals, which is a per-three reward rather than a per-person one. Reported terms also indicate the rate settles at £5 for each additional referral once you pass fifteen, which is consistent with £5 a head throughout. When a reward is quoted with a number of friends attached, divide before you admire it.

Q: What happens if I only refer one or two people?

You are paid nothing. A per-N reward has a property a per-person one does not: it releases only when the group is complete. Two successful referrals earn zero, and the third completes the set and releases £15. So someone who refers one enthusiastic friend and stops has been paid nothing at all — which is not how "earn £15 per referral" reads.

Q: What makes a referral count as successful?

Per reported terms the friend must be at least 18, must not already be a Plum user, and — the condition that actually decides it — must start depositing money with Plum. Downloading the app and opening an account is not enough. That is the gap that decides most referral rewards: the distance between signing up and actually using something is where they quietly die, so it is the thing worth mentioning when you send the link.

Q: Is this the same "Plum" as the skincare brand or the holiday-rental site?

No. This page describes Plum Fintech Limited, the London-based saving and investing app at withplum.com. There is a separate Indian beauty and skincare brand called Plum Goodness, and an unrelated European holiday-rental company sometimes searched under a similar name; neither is connected to the referral programme described here.

Q: Is my money protected in Plum?

It depends which part of the app it is in, and that is the useful thing to understand. Plum is several products in one place: automatic saving alongside investment products reported to include a stocks and shares ISA, a cash ISA, a lifetime ISA, a personal pension and access to thousands of individual shares. Cash and investments are different regimes, and one app icon makes them feel like one pot. Money held as cash and money held as investments answer "what happens if this firm fails" differently — and neither answer covers the thing people usually worry about, because protection of investments covers the failure of the firm holding them, never the price of what you bought. Ask which entity holds each pot and which protection applies to each, and get both answers from the firm's own current terms.

Q: Why not just check a review site for that?

Published reviews frequently describe a structure a company has since changed — protection is a property of the legal entity currently holding your money, and that entity can change without the app looking any different. The firm's own current terms and the regulator's public register are the two sources that are reliably up to date, and both are free to check.

Q: Is the app itself any good?

An app that moves small amounts into savings automatically is solving a genuine behavioural problem, and for people who never get round to saving deliberately it can work well. Judge it on the interest rate you actually receive, the subscription fee if you are on a paid tier, and whether the automatic transfers ever leave your current account short — not on a £5 introduction.

Plum pays £15 for every three referrals — so £5 each, not £15

Plum is a London-based money app from Plum Fintech Limited that analyses spending, moves money into savings automatically, and offers investment products alongside them.

Browse Referral Codes Submit Your Code

Updated 3 weeks ago Works in UK, France +7 more Free Signup

1 Active Code

UK, France +7 more Available In

Web, Android, iOS Platform

Genie Says

Plum pays £15 for every three successful referrals, which is £5 per friend. A per-three reward also pays nothing until the group completes, so two referrals earn zero, and the friend must actually start depositing rather than merely opening an account. Plum holds both cash and investments in one app under different protections: protection of investments covers the failure of the firm, never the price of what you bought. This page describes Plum Fintech Limited (withplum.com) — a distinct company from the Plum Goodness skincare brand or any holiday-rental service sharing a similar name.

Community Activity

Live

Manshi1 shared a new code 6mos ago

How much can you earn?

Share your own code and earn rewards when friends use it

£15 for every three successful referrals — £5 per friend, not £15. Reported to settle at £5 for each additional referral beyond fifteen.per successful referral*

Submit Your Code Now

Top Plum Referral Codes

Manshi1 Top Contributor

NewNo votes yet

Have your own code? Add it here and earn rewards

How to Use a Plum Referral Code

Divide the headline by three

£15 is paid for every three successful referrals. The per-friend value is £5, and our own page had overstated it by exactly three times.

Know that two referrals pay nothing

A per-N reward releases only when the group is complete, so referring one enthusiastic friend and stopping earns zero.

Tell your friend they must actually deposit

Opening the account is not enough — the referral counts only once they start putting money in.

Check which protection covers which pot

Cash and investments are different regimes inside one app, and protection of investments covers the failure of the firm, never the price of what you bought.

Reward Details

Your Reward: Not clearly documented in Plum's public terms. The referral programme's published details describe the reward to the referrer (see below); the amount, if any, a new signup receives is unconfirmed and should be checked in the app.
Referrer Reward: £15 for every three successful referrals — £5 per friend, not £15. Reported to settle at £5 for each additional referral beyond fifteen.
Minimum Purchase: The friend must actually start depositing money with Plum. Signing up alone does not make the referral successful.
Validity: Not stated in Plum's public terms.
Available In: UK, France, Italy, Spain, Netherlands, Ireland, Belgium, Portugal, Greece
Referral Limit: Nothing is paid until a group of three is complete — two successful referrals earn zero.
Payout Time: On completion of each group of three successful referrals.
Eligibility: The referred person must be 18 or over and not an existing Plum user. Plum spans both cash and investment products, which sit under different protections — check which entity holds each pot.

Why Choose Plum?

A per-three reward, not a per-friend one

The most common arithmetic trap in this catalogue: £15 is paid per three friends, so £5 each.

Two referrals pay nothing at all

The group has to complete before anything is released, which is not how "earn £15 per referral" reads.

The friend must start depositing

Signing up is not enough. The gap between opening something and using it is where referral rewards quietly die.

Cash and investments sit under different protections

One app, several products — check which entity holds each pot before moving in a meaningful sum.

About Plum

Plum pays £15 for every three successful referrals — £5 per friend, not £15 — and nothing is paid until the group of three is complete.

Plum pays £15 for every three successful referrals — £5 per friend, not £15. It is worth naming as a general pattern: when a reward is quoted with a number of friends attached, divide before you admire it.

A per-three reward also has a property a per-friend one does not: it pays nothing until the group is complete. Two successful referrals earn zero; the third completes the set and releases £15. So referring one enthusiastic friend and stopping pays nothing at all. Reported terms also indicate the rate settles at £5 for each additional referral once you pass fifteen — consistent with £5 a head throughout.

What makes a referral "successful" decides whether you are paid at all. Per reported terms, the friend must be at least 18, must not already be a Plum user, and — the condition that matters most — must actually start depositing money with Plum. Downloading the app and opening an account is not enough. That gap, between signing up and using something, is where referral rewards quietly die, and it is worth mentioning when you send the link.

The structural point matters more than the £5. Plum is several different products in one app, and they are not protected the same way. Alongside automatic saving it offers investment products — reported to include a stocks and shares ISA, a cash ISA, a lifetime ISA, a personal pension and access to thousands of individual shares. Cash and investments are different regimes, and one app icon makes them feel like one pot: money held as cash and money held as investments answer "what happens if this firm fails" differently, and neither answer covers the thing people usually worry about, which is the value going down. Protection of investments covers the failure of the firm holding them, never the price of what you bought.

The two questions to ask before moving any meaningful sum in: which entity holds each pot, and which protection applies to each? Both are answered in the firm's own current terms — more reliably than review articles, which frequently describe a structure the company has since changed.

A fair closing word on the product itself: an app that moves small amounts into savings automatically solves a genuine behavioural problem, and for people who never get round to saving deliberately it can work well. Judge it on the interest rate you actually receive, the subscription fee if you are on a paid tier, and whether automatic transfers ever leave your current account short — not on a £5 introduction.