We reward you when you help us spread the Plum love!

Invite an 'Eligible Person' to use Plum, and once they start depositing money we’ll add a referral bonus to your Plum account.

Who can invite an Eligible Person under this referral program?

Any Plum account holder who has deposited money from an external source to Plum can invite Eligible People to use Plum by giving them a unique signup link.

Who qualifies as an Eligible Person?

An Eligible Person can be anyone over the age of 18 who is not an existing Plum customer at the time they are invited. A Plum customer is defined as someone who has downloaded the app and agreed to our Terms & Conditions.

How much do we pay for a Referral Bonus?

The scheme (as of 27th November 2019) pays £15 for every 3 successful invites, up to a maximum of 15. After 15, we’ll then pay £5 for each subsequent successful invite.

How does the Plum Referral Programme work?

Once your referral link has been used successfully we'll send you an app notification.

You will receive a notification after every successful invite. You can track the progress of your invites at any time from within the ‘invite’ menu.

Once all 3 of your invites signed up, you will receive a notification like on the screenshot below:

In order for a referral to be successful, the person you invited needs to have their bank account linked and be actively using Plum.

Subject to our reviews and checks, and if your invites are using Plum actively, your referral bonus will be paid into your Plum account within 14 working days of your invite being used.

Once approved, the referral bonus goes to the Primary pocket.

What counts as a successful invite?

We deem a referral invite is successful once all the following criteria are met:

  1. the invite was sent to an Eligible Person;

  2. they used your unique link to sign up to Plum;

  3. they accepted our Terms & Conditions;

  4. they linked their bank account;

  5. the referral was made in good faith;

You may not:

(a) invite others that have created duplicate accounts;

(b) use alternative contact information to refer yourself or others;

(c) create more than one account in order to invite yourself;

(d) invite an existing Plum customer;

(e) invite fictitious persons;

(f) do anything that might damage Plum’s brand, goodwill or reputation;

(g) invite someone by suggesting they'll receive a referral bonus, or by promoting anything other than Plum’s main purpose, which is saving and investing money;

(h) use the Referral Program in: (i) any way that breaches any applicable local, national or international law or regulation; or (ii) any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect; (iii) in any way that contravenes any other agreements we have with you, including our Terms and Acceptable Use Policy;

(i) transmit any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or

(j) transmit any unsolicited or unauthorised advertising either via paid search or any other similar activity, including channels that can damage the Plum brand, goodwill or reputation.

What other legal information should I know?

Plum reserves the right to limit the invite rewards if we suspect you did not use the invite program in good faith, or have breached any of the above terms.

In cases of suspected fraud, further action may result in the suspension of your Plum account, and your Referral Bonus being withheld from being paid to you.

If you believe you’re owed a Referral Bonus that hasn’t been paid, please contact our customer support team via ‘chat to human’ in the app or by emailing help@withplum.com. In most cases these issues can be quickly investigated and resolved.

We may, at our sole discretion, suspend, terminate or change the terms and requirements of the Referral Program at any time. These terms are published in English, and any translation is provided as a courtesy only. Participants in the Referral Program cannot derive any rights from the translated version.

The English language version of these terms shall apply and prevail and be conclusive and binding. The English version shall be used in all legal proceedings to the extent permitted by law.

These Referral Program Terms shall be exclusively governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these terms shall exclusively be submitted to and dealt with by the competent court in England.

In order to benefit from this Referral Scheme, you must be an existing Customer of Plum and have agreed to our General Terms and Conditions. Any additional information provided by you in the course of a referral will be treated in line with the Terms & Conditions and Data Privacy Policy.

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