Plum and IgniFI are often filed in the same box, "apps to manage your money better". They do not do the same job, though. Plum acts: it takes money from your account according to rules, keeps it, and invests it if you ask it to. IgniFI counts: it never touches your money, it brings together what you hold everywhere and says where that leads you.
This article is written by IgniFI, so by an interested party. Every statement about Plum points to its source, dated, and what Plum does that IgniFI does not is said first.
What Plum does
The information below was read on 22 October 2026 on Plum's French pages (links at the end of the article). It may have changed since: Plum's own pages are the reference.
Automatic saving, its core. Plum lists eight automatic saving rules: payday (Plum detects the salary arriving and sets aside the chosen amount), a weekly deposit, round-ups of each purchase to the next euro, an "automatic" rule where Plum itself works out what you can afford to save, weather-based rules, the 52-week challenge and the penny challenge. Some are reserved for paid plans. To do this, Plum connects to your bank account through account-aggregation providers, which its privacy policy names: TrueLayer, Tink and Finker.
The money is with Plum. What is set aside leaves your bank. According to the legal notice, the account and payment services are provided by Modulr Finance B.V., an electronic money institution authorised by the Dutch central bank, and the funds are held in segregated accounts. Plum says so in its FAQ: it is not a bank.
Investing, from €1. Plum gives access to more than 65 ETFs and 3,000 shares, to automatic investing in funds chosen by risk profile, and to five crypto-assets offered through Bitpanda. Its terms name the intermediaries: Alpaca Securities for shares, Upvest Securities for ETFs. "Plum Intérêts" (Plum Interest) puts available cash into a money market fund managed by BlackRock, with a variable return that is higher on paid plans; the capital is not guaranteed. The investment side belongs to Plum Money CY Limited, authorised in Cyprus by CySEC (licence 407/21). According to the FAQ, an investor compensation fund covers eligible clients up to €20,000 if Plum Money CY fails to return their assets, which does not protect against market losses.
Plans and fees. Basic is free, then come a plan at €3.99 a month (called Plus on the home page and Pro on the comparison page), Boost at €8.99 and Max at €11.99 a month. Every plan starts with a 30-day free trial. The first two trades are free; after that, each trade costs €1 on Basic, €0.30 on the €3.99 plan, €0.05 on Boost and nothing on Max, according to the comparison page. The money market fund carries a Plum service fee and a 0.10% management fee taken by BlackRock.
The rest. Biometric sign-in, human support stated as available seven days a week through the app or by e-mail, and an iOS and Android app, sign-up being done on the phone. Plum states that it does not give investment advice.
What IgniFI does
IgniFI takes nothing, keeps nothing and executes no order. It starts from what you already hold, wherever it is, to answer the questions that come next.
- The whole of one's wealth. Current accounts, savings accounts, PEA, assurance-vie, PER retirement plan, securities account, crypto, property, loans: one net worth, split by asset class, shown in euros, Swiss francs, US dollars or gold. A Plum account is tracked there like any other: its ETFs and shares are found by name or symbol and revalued every night, the rest is entered as a balance. IgniFI has no import guide specific to Plum.
- The budget is built from your bank statements. A transfer to a savings app goes into the "Savings & invest." category, counted as money set aside rather than spent; if the description is not recognised, the category is corrected on the line and the correction is remembered. The measured savings rate then includes what Plum's rules take.
- The FIRE date gives the month in which financial independence, retirement or a purchase is reached, at your savings pace, and what would need to be set aside each month to meet a chosen date.
- The withdrawal plan works out how much to withdraw each month, account type by account type, with the tax of each one, and replays hundreds of markets by Monte Carlo simulation.
- The stress test replays the unexpected on the plan: an unexpected expense, six months without income, a crash.
IgniFI never asks for your bank credentials: statements are imported as CSV or Excel, read in your browser, or as PDF, analysed by an AI only after your consent. IgniFI sells no financial product, recommends no investment, and its only paid link, to eToro in the copy simulator, is labelled as such on the page.
Side by side
Only lines that can be checked are listed here, from the Plum pages cited below and IgniFI's offer, as of 22 October 2026.
| Plum | IgniFI | |
|---|---|---|
| Holds your money | yes: e-money wallet with Modulr, investments through its intermediaries | no, never |
| Automatic saving | yes, 8 rules, some paid | no: measures what you save |
| Buying ETFs, shares, crypto-assets | yes, from €1 | no |
| Connection to your bank account | yes, through aggregation providers | no: CSV, Excel or PDF import, or manual entry |
| Wealth held elsewhere (other banks, PEA, assurance-vie, property, loans) | not mentioned on the pages read | yes |
| Withdrawal plan, Monte Carlo, stress test | not mentioned on the pages read | yes, Pro plan |
| Fee per trade | 2 free trades, then €1 to €0 depending on the plan | not applicable |
| Trial or free plan | free Basic plan, 30-day trial on every plan | free plan with no time limit: 1 account, 1 loan, 1 goal |
| Paid plans | €3.99, €8.99 or €11.99 a month | IgniFI+ €2.99/mo, Pro €9.99/mo or €99/yr |
| App | iOS, Android | web, installable on the phone's home screen |
Both together, or one of the two
For someone who wants saving to happen without thinking about it, that is Plum's job, and IgniFI will not do it: it will never move a cent. The two then fit together naturally. Plum sets aside and invests; IgniFI says whether what is set aside is enough, by putting it next to the rest of one's wealth, and what it will become once it has to be lived on.
For someone who already saves on their own, in a Livret A, a PEA or an assurance-vie, the question is mostly whether the pace is enough and what idle cash costs. The article The invisible cost of cash that sits still puts a figure on the second point; IgniFI answers the first without taking custody of anything.
A word on protection, because the two tools do not carry the same risk. Plum not being a bank, the protection it describes is not the bank deposit guarantee but the segregation of funds and, for investments, the Cypriot compensation fund. What the French guarantees cover, and up to which ceilings, is set out in Is your money actually guaranteed?. IgniFI, which holds nothing, has nothing to guarantee: your holdings stay where they are.
The choice therefore depends on what one expects from an app. "Put money aside for me": that is Plum. "Tell me where all of this leads, and whether it holds": that is IgniFI. The same question was asked about two other well-known tools, in Finary and IgniFI and Bankin' and IgniFI. The demo can be explored without signing up.
Plum is a trademark of its publisher; IgniFI has no connection with it. This article compares public offers at a given date and is not investment advice.
Sources
- Plum, French home page, read on 22 October 2026 (automatic saving, investing from €1, plans, 30-day trial, security, support, FAQ "Est-ce que Plum est une banque ?" and "Is my money safe?", legal notice: Plum Fintech CY, Plum Money CY, CySEC, Modulr).
- Plum, plan comparison and detailed fees, read on 22 October 2026 (prices, fee per trade, free trades, money market fund fees).
- Plum, automatic saving rules, Plum Intérêts and crypto, read on 22 October 2026.
- Plum, terms and conditions and privacy policy, read on 22 October 2026 (aggregation providers, Alpaca Securities, Upvest Securities, Modulr).
- IgniFI, pricing and help centre, as of 22 October 2026.