You need to link your bank account to Plum for two reasons:
We use read-only access to look for patterns in your spending. This allows us to make automatic deposits on your behalf, and also identify where you are being overcharged on e.g. utility bills
We create a direct debit which we will use to deposit money in to your Plum account
Your personal data is secured using state-of-the-art security measures, and we never store (or have access to) your bank login credentials.
If you’d like to know more about security at Plum then you can read more here.