The short answer
Plum gives you 30 days free and does not ask for a card to start, so access simply stops at the end. Verified 21 July 2026.
During the 30 days
Nothing is held back. The trial is the full product for 30 days, which is long enough to see a full pay cycle through.
When it ends
On day 30 access stops. No card was taken, so nothing is charged and there is nothing to cancel.
How to cancel
Plum states the paid tiers are free for your first month and that you can cancel or switch between them whenever you want. Set a reminder before the month is up, because the tier continues at full price otherwise.
Cancellation processes change. Check Plum's own page before you rely on this.
Free options in the same category
Several tools in the investing category have permanent free tiers rather than trials, and each gives up something different: usually either the account connections or the depth of analysis. Delphina's free plan is one of them, and it gives up the deeper scenario modelling that the paid plans carry.
For what Plum costs once the trial is over, see Plum pricing.
Trying Delphina instead
Delphina does not run a trial, because the Free plan does not expire. No card, no countdown, nothing to cancel. If it turns out to be useful, Wealth Builder is £9.99 a month. If it is not, leave it alone and it costs nothing.
More on Plum
Plum: common questions
30 days. Verified on 21 July 2026.
No. Plum does not ask for a card to start the trial, so it ends rather than rolling into a charge.
Access stops. You are not charged, because no card was taken.
Plum states the paid tiers are free for your first month and that you can cancel or switch between them whenever you want. Set a reminder before the month is up, because the tier continues at full price otherwise.
Yes, and it is worth separating from the trial. Basic is permanently free and includes a Cash ISA and Lifetime ISA, but investing on Basic carries a 0.60% management fee and 0.93% on money market funds, so the product is not free once money is invested.
It depends what you are replacing. For day to day spending, several UK apps have permanent free tiers with limited features. For the pension and retirement side, Delphina's free plan is £0 with no card and no expiry, though it is not a like-for-like replacement for what Plum does for people who want saving to happen automatically without thinking about it.