I’ll be honest I have both plum and chip...I prefer chips so much easier, the saving it does it instant (by 3pm the same day) plum takes up to 5 working days to deposit it into the app which is a pain. Chip is far easier, moneys in the same day, saves are very 5 days or so if your on the normal saving route. No issues with withdrawing. I struggled with money a few weeks back, plum had taken money from my bank but I had to wait almost 6 days for it to clear into plum before I could take it back out. Also constantly sending notifications...so annoying. I’m closing my plum account and sticking with chip. Also with chip plenty of promo codes if you google that give you £10 free after two auto saves have been made