Plum money app

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Does anybody use it.
How are you finding it.
I keep getting ads onFB and YouTube but only looked at the advert properly last night.
Is it worth having?

Is it just me seeing the ads!!
It sounds good but I wanted to hear peoples experiences.

I've got it. I really like it. The app is good and easy to use and I've built up a bit without really noticing (though I do check it quite a bit which defeats the purpose!).

It's great. Really handy and you're saving money without realizing. You can set limits and separate goals, it's very easy to use. We saved up over £200 in a really short time.

no FSCS cover and even their website has a 404 when you look to find out how savings are 'invested'.

use a real bank, even an online only one. They pay a tiny bit of interest.

This is why.

I have used plum for about 2yrs now and have saved more than I ever could independently and I have been able to buy stuff upfront instead of monthly, like car insurance. Also cleared up an overdraft.

Generally it is great for hands off saving and I have never felt that I was left short of money when it has calculated savings.
The savings don't offer interest so it is worth moving the money once it gets to a certain amount and placing in an interest savings account. Also I wouldn't hold large amounts in it anyway. I use the investment feature too but not going to sing it's praises as it work more or less like any other, except you are able to choose what % of savings plum takes to invest.

As far as I can remember the money is 'banked' by barclays.