Plum reviews: what App Store users complain about
We read the 300 most recent App Store reviews of Plum: Smart Saving & Investing (by Plum Fintech Limited) from 2 storefronts, dated 24 July 2025 to 19 October 2026. Average rating in this sample: 2.23★. All-time App Store rating: 4.7★ from 71k ratings. 225 reviews (75%) gave 1–3 stars.
Star ratings in this sample
| Stars | Reviews | Share |
|---|---|---|
| 5★ | 65 | 22% |
| 4★ | 10 | 3% |
| 3★ | 24 | 8% |
| 2★ | 32 | 11% |
| 1★ | 169 | 56% |
Rating by month
| Month | Reviews | Avg stars | 1–3★ share |
|---|---|---|---|
| October 2026 | 14 | 1.79★ | 86% |
| September 2026 | 21 | 1.57★ | 100% |
| August 2026 | 11 | 1.82★ | 82% |
| July 2026 | 15 | 1.53★ | 93% |
| June 2026 | 21 | 1.52★ | 86% |
| May 2026 | 15 | 1.87★ | 87% |
What 1–3★ reviews mention
225 English-language 1–3★ reviews in the sample (Canada, Australia, India, UK, Ireland, US and New Zealand storefronts), matched against fixed keyword lists per theme.
| Theme | Reviews mentioning it | Share of 1–3★ reviews |
|---|---|---|
| Pricing / subscription | 124 | 55% |
| Bugs | 54 | 24% |
| UX / design | 32 | 14% |
| Performance | 20 | 9% |
| Feature requests | 17 | 8% |
| Crashes / freezes | 12 | 5% |
| Ads | 4 | 2% |
A review can mention several themes.
Most-mentioned issues
- Fix login / account access: 100 of 225 1–3★ reviews. What to do: Audit the sign-in flow (SSO, password reset, verification emails) on the latest version; add clear error messages.
“They’re fine to take money. But as soon as they error and you cannot login. They couldn’t care any less. No direct phone. Always delayed replies by hours. Never take notes to continue on the issue fix etc. They were so bad at helping re entry to my account after it randomly logge…” (1★, v3.71.1, 2026-05-14, GB) - Answer support requests: 59 of 225 1–3★ reviews. What to do: Add an in-app contact option and reply to these App Store reviews; Apple lets developers respond publicly.
“The app is terrible. The support is terrible. The whole thing feels like a scam. If you try to contact anyone there is never anyone available account figures show differently payments get delayed even when you try to remove funds and you remove 100% of the funds it still leave so…” (1★, v3.33.0, 2025-08-08, GB) - Simplify navigation: 18 of 225 1–3★ reviews. What to do: Run a quick usability test on the screens users mention; remove extra taps and pop-ups.
“Be very careful. Transfers from Current Account are very slow and rarely show up as pending, leaving you concerned that your money is lost. Setting up a direct debit is almost impossible - a bizarre procedure involving ‘activating a depositor’, using a ‘splitter’ and other such n…” (1★, v3.37.0, 2025-09-01, GB) - Make trials and renewals transparent: 17 of 225 1–3★ reviews. What to do: Show the renewal date and price before the trial ends; link to cancellation. Surprise charges drive 1-star reviews and refunds.
“I got a free trial for 7 days. In that time my phone broke and I had to wait to get a new phone, I completely forgot about the trial and they took £80+ out of my account. I didn’t even get a warning email or anything sent me into my overdraft and now I’m being charged interest as…” (1★, v3.81.1, 2026-07-24, GB) - Speed up loading: 16 of 225 1–3★ reviews. What to do: Profile cold start and the slowest screens on older devices; cache content.
“I am entrusting them with half my savings to open a LISA and they are not responding the Easy bank transfer is just stuck on pending (even though it’s meant to be instant) and I can’t send any more as it’s pending leaving me to miss the end of the tax year at this rate. Waiting…” (1★, v3.65.0, 2026-04-02, GB) - Fix notifications: 10 of 225 1–3★ reviews. What to do: Check notification delivery and let users control frequency in settings.
“This is the worst app of its kind. It constantly mithers with its shocking marketing and notifications. It nosies into your bank account and scrapes it into its pots. It lures you into high interest rates which only appear after 12 months of the ai abuse. The customer service is…” (1★, v3.77.0, 2026-06-28, GB)
Rating by app version
| Version | Reviews | Avg stars | 1–3★ share |
|---|---|---|---|
| 3.91.0 | 12 | 1.58★ | 92% |
| 3.90.0 | 7 | 1.43★ | 100% |
| 3.83.0 | 6 | 1.83★ | 83% |
| 3.79.0 | 7 | 1.86★ | 86% |
| 3.75.0 | 7 | 1.00★ | 100% |
| 3.70.0 | 6 | 2.00★ | 83% |
Versions with fewer than 5 reviews in the sample are left out.
Is Plum your app?
The full report reads up to ~300 of the latest public App Store reviews, classifies them into 7 themes and 18 specific issues, and ranks the 10 fixes that would move your rating most. PDF by email within 24–48 h.
Full App Store report €49 €19 Free check
Launch prices until 30 Nov 2026 or the first 20 orders (then €49).
Method and limits
Reviews were collected once from Apple's public customer-reviews feed (most recent first; UK storefront first, then the other English-language storefronts (Canada, Australia, India, UK, Ireland, US, New Zealand), 2 with reviews; up to 300 reviews). Star, month and version figures are plain counts of that sample. Theme and issue figures come from fixed keyword patterns (for example “subscription”, “charged”, “refund” for pricing) run on English-language 1–3★ reviews only; a keyword match is not a judgement of the review, so check the quotes. The paid report classifies every review with an AI model into 7 themes and 18 issues with severity. This is a snapshot of recent reviews, not the app's full history. Generated 24 October 2026. Not affiliated with Plum Fintech Limited or Apple.
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FAQ
What do Plum users complain about most?
In 225 English-language 1–3★ App Store reviews from 2025-07-24 to 2026-10-19, the most-mentioned theme was pricing / subscription (55%) and the most-mentioned issue was “fix login / account access” (100 reviews).
How many Plum App Store reviews are negative?
225 of 300 recent reviews (75%) gave 1–3 stars. Average rating in this sample: 2.23★.