Saving with Plum is free of charge and there are no additional costs for withdrawing money.
When you want to invest with Plum, you can choose to join Plum Investments. This is a paid service.
There is a monthly £1 fee for access to all Plum Investments (charged only when you have money invested), a 0.15% fee on the value of your fund investments, and the provider fees.
For RateSetter there are no fees in addition to the £1 a month.