Broker Comparison

Pepperstone vs Plum

Compare Pepperstone and Plum side by side: fees, regulation, platforms.

Pepperstone

Active CFD and forex traders

Pepperstone is a CFD and forex broker with Standard and Razor accounts, 0 € minimum deposit, and platforms in…

Plum

Automated savings and beginner investors

Plum is a UK savings and investment app that automates saving, offers ISA, SIPP, mutual funds, and 3,000+ ind…

Head-to-head comparison

Pepperstone vs Plum
Feature	Pepperstone	Plum
Minimum deposit	0 €	-
Stock trading fee	Australian share CFDs 0.07%; German share CFDs 0.10%; UK share CFDs 0.10%; US share and ETF CFDs 0.02 USD per share	2 free lifetime trades then: £0.50/trade (Basic), £0.15/trade (Plus), £0.05/trade (Boost), £0.00/trade (Max); FX fee 0.60% (Basic), 0.45% (Plus), 0.30% (Boost), 0.15% (Max) per trade
Regulators	BAFIN, ASIC, CMA, CYSEC, DFSA, FCA, SCB	FCA
Best for	Active CFD and forex traders	Automated savings and beginner investors
Markets & account
Stocks
ETFs		-
Forex		-
CFDs		-
Crypto		-
Futures		-
Margin		-
Multi Currency		-
Business Account		-
Demo Account		-
Funds	-
Fractional Shares	-
Investment Plans	-
Ready Made Portfolios	-
Money Market Funds	-
Isa	-
Sipp	-
Savings Vaults	-

Pros & cons

Pepperstone

Pros

0 € minimum deposit on Standard and Razor accounts
No account, inactivity or market data fees
Razor spreads start from 0.0 points
Standard forex account has no commission and spreads from 1 pip
Free demo accounts include unlimited virtual capital
Most crypto CFDs can be traded 24/7
API access and cTrader Automate support custom trading systems
Accounts support 10 base currencies

Cons

Razor forex commission starts at USD 2.96 per standard lot, per side
US share and ETF CFDs cost 0.02 USD per share
UK share CFDs cost 0.10% per side
Overnight swap costs apply to positions held across days
TradingView is not available for Standard CFD accounts
Demo accounts expire after 60 or 90 days of inactivity
Crypto CFDs do not give ownership of the underlying crypto asset
Some demo features, including cTrader Copy Trading, are restricted

Plum

Pros

Free Basic plan with automated savings and stock access
Stocks and Shares ISA and SIPP available on paid tiers
Fractional stock investing from £1
3,000+ individual US company stocks available
26 curated mutual funds from Vanguard and BlackRock
FCA-regulated with FSCS protection up to £85,000 on investments
Automated savings powered by spending analysis
Multiple savings account types including Cash ISA and Lifetime ISA

Cons

Individual stocks cannot be held inside the Stocks and Shares ISA - only mutual funds are ISA-eligible, leaving stock gains potentially subject to capital gains tax
Only 26 mutual funds available, a narrower range than dedicated investment platforms
Stacked fees on paid tiers: subscription fee plus platform fee plus fund manager fee
Two free lifetime trades then a per-trade charge on Basic and Plus plans
Crypto available only for EU/Cyprus users via Bitpanda; not available to UK customers
No demo or practice account
Fund access requires a paid subscription; Basic plan is limited

Pepperstone

Pepperstone is a CFD and forex broker with Standard and Razor accounts, 0 € minimum deposit, and platforms including MT4, MT5, cTrader and TradingView.

Visit Pepperstone Read review

Your capital is at risk. Other fees apply.

Plum

Plum is a UK savings and investment app that automates saving, offers ISA, SIPP, mutual funds, and 3,000+ individual stocks via a tiered subscription model.

Visit Plum Read review

Your capital is at risk. Other fees apply.

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Pepperstone vs Plum

Pepperstone

Plum

Head-to-head comparison

Pros & cons

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