Plum vs WH SelfInvest - BrokerCue
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Broker Comparison

Plum vs WH SelfInvest

Compare Plum and WH SelfInvest side by side: fees, regulation, platforms.

Plum

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+ indโ€ฆ

VS
WH SelfInvest

WH SelfInvest

Active futures and CFD traders

WH SelfInvest is an independent Luxembourg broker founded in 1998, offering futures, CFDs, forex, stocks, ETFโ€ฆ

Head-to-head comparison

Plum vs WH SelfInvest
Feature Plum WH SelfInvest
Minimum deposit - EUR 500 (CFD-Forex Mini); EUR 2,500 (CFD-Forex Standard); EUR 5,000 (Futures)
Stock trading fee 2 free lifetime trades then: ยฃ0.50/trade (Basic), ยฃ0.15/trade (Plus), ยฃ0.05/trade (Boost), ยฃ0.00/trade (Max); FX fee 0.60% (Basic), 0.45% (Plus), 0.30% (Boost), 0.15% (Max) per trade Commission-free on the Zero Commission Stock and Options account; varies by market on other accounts
Regulators FCA CSSF, BaFin, ACPR, FSMA, AFM, FINMA
Best for Automated savings and beginner investors Active futures and CFD traders
Markets & account
Stocks
ETFs
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Forex
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CFDs
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Bonds
-
Options
-
Futures
-
Funds
Fractional Shares
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Investment Plans
-
Ready Made Portfolios
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Money Market Funds
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Isa
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Sipp
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Savings Vaults
-
Demo Account
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Pros & cons

Plum

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 ยฃ1
  • 3,000+ individual US company stocks available
  • 26 curated mutual funds from Vanguard and BlackRock
  • FCA-regulated with FSCS protection up to ยฃ85,000 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
WH SelfInvest

WH SelfInvest

Pros

  • Regulated by CSSF, BaFin, FINMA and other European authorities
  • Independent broker with over 25 years of operating history
  • Recognised as a top European futures broker by industry awards
  • Access to futures on major global exchanges
  • NanoTrader includes over 90 built-in trading strategies and free trading signals
  • Zero commission stock and options account available
  • Free demo account for practice
  • Multiple platform choices including MT4, TradingView and Sierra Chart

Cons

  • High minimum deposits - EUR 500 for CFD mini, EUR 2,500 for CFD standard, EUR 5,000 for futures
  • NanoTrader Full version costs EUR 29 per month
  • Wire transfer fees apply on deposits and withdrawals
  • Inactivity fee can apply after one year without trading
  • No crypto trading offered
  • Account funding limited to bank wire transfer
  • Not available to traders in the US, Australia and some other regions
Plum

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.

Your capital is at risk. Other fees apply.

WH SelfInvest

WH SelfInvest

WH SelfInvest is an independent Luxembourg broker founded in 1998, offering futures, CFDs, forex, stocks, ETFs and options through NanoTrader, MT4 and TradingView.

Your capital is at risk. Other fees apply.

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