The Best Free Plum Alternative | Gains App

A better
Plum
alternative

Get great cashback rates on 200+ brands and smart budget tools with Gains App – the best free Plum alternative

Brought to you by Sammie Ellard-King – Money Content Creator of the Year 2024 (British Banking Awards)

25%

Max Cashback

200+

Partner Brands

Money Back In Your Pocket

Plum Perks offer some discounts on leisure spending but you can’t get rewarded for your everyday spending. Gains offers you instant cashback every time you spend at 200+ brands

Free Budgeting & Cashback Combined

Plum hides its spend tracking and offers behind a paid plan. Gains gives you smart budgeting, savings goals and cashback in one free app, so you’re never choosing between insight and savings.

£0

Forever Free

Personalised Offers Not Generic Discounts

Plum displays the same Perks to everyone. Gains analyses your grocery, leisure and subscription spending and shows you the highest-impact deals first – no scrolling required.

Join the Waitlist

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Why you need a Plum alternative

Plum is great for autosaving and investing, but if fast, customised cashback plus smart spend tracking is what you need, Gains App wins hands down. One app, no fees, and cash rewards the moment you shop.

Gains Is Here To Help Save On Your Everyday Spending

Smart Spending Tracking

Track every purchase automatically and see exactly where your money goes. Our intelligent categorisation helps you understand your spending patterns and find opportunities to earn cashback on future purchases.

Instant Cashback Rewards

Earn instant cashback on every purchase from our 200+ partner brands. From groceries to fashion, travel to entertainment – we’ve got the best deals from brands you already love shopping with.

Personalised Insights

Get tailored recommendations on how to maximise your savings. Our AI analyses your spending habits to suggest the best cashback opportunities and help you stay within budget while earning more.

What our users say

Frequently asked questions

Got questions? Here are the answers to help you get started with Gains.

Is Gains really free?

Yes! Gains is free to use to access personalised cashback offers, chat with your money, and create custom budgeting plans – with no hidden fees. We do have a premium subscription for extra budgeting tools, more AI usage, and more bank account connections – but these are extras, and not required to use the app. We also earn a small amount on gift card purchases.

How quickly do I receive my cashback?

Cashback is credited to your Gains balance instantly, as soon as the payment for your chosen gift card is confirmed. This is usually within 60 seconds.

How can I withdraw my cashback?

Your cashback can be withdrawn free of charge directly to your chosen bank account as soon as you have reached £10 in earned cashback. You can also use your cashback balance to pay for additional gift cards and make your money go further.

Why do I have to connect a bank account?

With a secure (read-only) bank account connection, Gains analyses your spending and finds you personalised cashback offers to save you the maximum amount per month based on where you’re already spending money. We also find all your recurring subscriptions you might have forgotten to cancel, and other useful features – but we need read-only access via open banking to help you with this.

Is Gains secure?

Gains connects to your accounts through industry standard Open Banking secure technology:

Gains has the same high standards of security as your bank with 256-bit encryption and 2FA login
Gains never sees or asks for your bank login details
We’re registered with FCA agent status through TrueLayer.

What is Open Banking?

Through TrueLayer (our FCA-regulated provider), Gains can safely view your spending history to give you personalised money-saving insights, but we can never move or access your money. Open Banking is like Netflix seeing your watch history to recommend shows. They can see what you’ve watched to make suggestions, but they can’t control your TV. This read-only access lets us analyse your habits and suggest real savings opportunities, like spotting subscriptions you might have forgotten about or finding better deals on your regular purchases. If you’re ever uncomfortable with this, you can revoke Open Banking access at any time.

What devices and regions are supported?

We’re launching on both iOS and Android, and will initially support customers with a UK bank account and UK‑issued debit cards. Support for additional regions may be added in future releases. Join the waitlist to be notified when your device and region are supported.

Is there a minimum or maximum amount for gift‑card purchases or withdrawals?

Gift cards can generally be purchased in amounts from as little as £5 (depending on retailer) up to a higher limit set by the merchant. Cashback is credited instantly and can be withdrawn to your bank once your Gains balance reaches £10. There is no maximum withdrawal cap, and withdrawals are free of charge.