How can I refer a friend?

How to refer and our referral policy

Updated over a week ago

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

Who can invite an Eligible Person under this referral program?

Any Plum user who has successfully linked a bank account can invite Eligible Persons 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 user at the time they are invited. A Plum user is defined as someone who has downloaded the app and agreed to our Terms & Conditions.

Will I get a referral bonus?

The referral bonus will vary depending on the campaign you are enrolled in. Some campaigns don’t offer a referral bonus.

How long does the Referral Campaign last?

Each campaign has a different duration. You can check the duration of the campaign in the email we sent to you when it started and in the referrals section within the app.

How many friends can I refer to Plum?

Depending on the campaign you are enrolled in, the number of friends you can invite may change. You can check the limit of the campaign in the email we sent to you when it started.

How does the Plum Referral Programme work?

Once your referral link has been used successfully we'll send you an in-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 and check the campaign goal in the email we sent to you when it started.

Subject to our reviews and checks, if your invite is successful your referral bonus will be paid into your Plum Primary pocket typically within the number of days specified in the email we sent to you when the campaign started.

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 and comply with our Terms & Conditions;

  4. they linked their bank account;

  5. the referral was made in good faith;

  6. the referee has completed any additional steps that have been communicated in the email you received at the beginning of the campaign (ie subscribing to a plan, investing, depositing into an interest pocket, or other).

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 anyone under the age of 18 or an existing Plum user;

(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 & Conditions, Website Use Policy and other policies;

(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 and/or material abuse of the Referral Program, further action may result in the suspension of your Plum account.

If the Referral Bonus has been paid to you, we have the right to recover it in such cases. If the Referral Bonus has not yet been paid to you, we have the right to not proceed with its payment in such cases.You must claim any Referral Bonus(es) when it’s paid to your Plum account.

If you decide to close your Plum account, we may recover any unclaimed Referral Bonus(es) unless you reach out to claim it within one (1) month after the closure of your Plum account. Plum will not be liable for any loss when you fail to claim the Referral Bonus(es) in due time.

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 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 and Wales.

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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