Round-Ups and Pound-Ups
Updated over a week ago

Round-Ups and Pound-Ups are designed to help you save effortlessly. Here's a breakdown of how these rules work:


The Round-Ups rule rounds up your bank account transactions to the nearest pound. For example, if you spend £4.50 on a coffee, Plum will round it up to £5 and move the extra 50p into your Plum account.

It's important to note that when Plum executes this rule, it calculates transactions from the previous week (not the current one).

⚠️ Please be aware that although the Round-Ups rule rounds up every transaction, it consolidates and deposits the total sum once per week, not for each transaction separately.


Pound-Ups complement Round-Ups by rounding up transactions that are already rounded. For instance, if a transaction is already rounded (e.g. £4.00), the Pound-Ups rule will deposit an additional £1.00 for that transaction.

⚠️ If you want to activate the Pound-Ups, you need to have the Round-Ups rule set up.

How to Set Up

To configure these rules, follow these steps:

  1. Open the app and find the Brain.

  2. Tap on Round-Ups.

  3. You can turn it on or off, like a light switch.

  4. The Pound-Ups rule will appear in the app, and you can choose whether to activate it.

Non-Eligible Transactions

Please note that not all transactions are eligible for Round-Ups. Plum doesn't calculate the following types of transactions in the final amount:

  • Bills

  • Fees

  • Savings

  • Insurance

  • Housing

  • ATM Cash Withdrawals

  • Transactions from/to Plum

  • Incoming transactions to your bank account.

Plum primarily focuses on spending transactions (e.g. shopping and online transactions) when applying the Round-Ups rule.

The Round-Ups and Pound-Ups rules are included in the Basic (free) plan of our app. They are available in the UK, Ireland, France and Spain.

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