Updated September 28, 2026 · BrokerCue Editorial Team
Plum vs WH SelfInvest
Where Plum and WH SelfInvest differ
| Compare |  Plum |  WH SelfInvest |
|---|---|---|
| Stock trade fee | £0 | $1.90 |
| Account fee | £0 | €0 |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Forex, CFDs, Options, Futures, Bonds |
| Platforms | Mobile app | NanoTrader, TradingView, Trader Workstation, Mobile Apps |
| Minimum deposit | £2 | Not confirmed |
| Inactivity fee | Not confirmed | €0 |
| Regulators | Financial Conduct Authority | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | Not confirmed |
| Retail accounts that lose money | Not confirmed | 76% |
| Account types | ISA, SIPP, Lisa | Not confirmed |
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Key differences
- WH SelfInvest scores higher overall: 9.3 vs 8.9.
- Markets: only Plum offers Funds.
- Markets: only WH SelfInvest offers Forex, CFDs, Options.
- Platforms: only Plum offers Mobile app.
- Platforms: only WH SelfInvest offers NanoTrader, TradingView, Trader Workstation.
- Support channels: only Plum offers Help centre.
- Support channels: only WH SelfInvest offers Phone.
- Features: only WH SelfInvest offers Demo account, Copy trading.
Our verdict on each
Plum
Plum is a UK app aimed at beginners who want to start small and pay nothing to hold or trade. Stocks, ETFs and funds sit behind fractional shares, the account fee is £0 and the minimum deposit is £2, so small amounts can be put to work in a SIPP, ISA or LISA.
WH SelfInvest
WH SelfInvest sits in Luxembourg and covers stocks, ETFs, forex, CFDs, options, futures and bonds under an account fee of €0 and an inactivity fee of €0, which suits investors who want many asset classes without a standing charge. Stock dealing is the cost to watch, at $1.90 a trade.
Score breakdown
| Area | Plum | WH SelfInvest |
|---|---|---|
| Cost | 9.3HigherStock dealing is £0, the account fee is £0 and management fees run 0.15% to 0.6% on portfolios. | 9.1The standing fees are flat, at €0 and €0, while the dealing charge of $1.90 a trade pulls the score down. |
| Offer | 8.9 | 9.5Higher |
| Trust | 8.5 | Not confirmed |
Positions in our rankings
| Ranking | Plum | WH SelfInvest |
|---|---|---|
| Stock and ETF brokers | 168 of 471 | 86 of 471 |
What each covers
| Markets | Plum | WH SelfInvest |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Options | No | Yes |
| Futures | No | Yes |
| Bonds | No | Yes |
| Funds | Yes | No |
Where these facts come from
Plum
- withplum.com: 10 facts, checked September 26, 2026
- finextra.com: 3 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 2 facts, checked September 26, 2026
WH SelfInvest
- whselfinvest.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Plum | WH SelfInvest |
|---|---|---|
| Features | Fractional shares, Mobile app | Demo account, Fractional shares, Copy trading, Mobile appCovers more |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | Plum Fintech Limited | Not confirmed |
| Headquarters | United Kingdom | Luxembourg |
| Founded | 2016 | Not confirmed |
| Support channels | Email, Help centre | Email, Phone |
Robo-advisors
| Fact | Plum | WH SelfInvest |
|---|---|---|
| Management fee | 0.15% to 0.6% | Not confirmed |
| Minimum investment | £1 | Not confirmed |
| Portfolio types | ETF, Cash | Not confirmed |
Where each stands against the rest
| Fact | Plum | WH SelfInvest | Median |
|---|---|---|---|
| Minimum deposit | £2below the median | Not confirmed | £20 |
| Inactivity fee | Not confirmed | €0below the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 76%highest quarter | 72.05% |
Median across 47 listed brokers.
Pros and cons
Plum
Pros
- Stock trades cost £0 and the account fee is £0, so holding and dealing carry no charge.
- The account opens from £2 and the smallest investment is £1, which suits small regular amounts.
- Fractional shares on a Mobile app let a small sum hold part of a share rather than a whole one.
Cons
- Support runs on email and help centre only, so an urgent question waits for a written answer.
- The market list is stocks, etfs and funds and portfolio types run to etf and cash, so the account is narrow beside a full trading platform.
- The minimum deposit of £2 ranks 89 of 213, and CFI lists a minimum deposit of $0.
WH SelfInvest
Pros
- The account fee is €0 and the inactivity fee is €0, so an account left open or left idle is not billed, and the standing cost sits level with Vantage at $0.
- A single account covers stocks, etfs and forex, so shares, forex, CFDs, options, futures and bonds can be held and traded together.
- The platform choice runs from NanoTrader, TradingView and Trader Workstation, so the same account can be worked from a desktop terminal or from mobile apps.
Cons
- Stock dealing costs $1.90 a trade, where eToro charges $0 for its stock dealing.
- That dealing charge ranks 123 of 161 on our data, while the account fee sits at 1 of 138 and inactivity at 1 of 56, so the standing costs lead the table while dealing sits near the back of it.
- Support runs on email and phone, so a live chat window and a help centre are not part of the contact options.
Who each suits
Plum
Who it suits
- Beginners who want a SIPP, ISA or LISA going from a first deposit of £2.
- Investors who want to pick their own shares and are content with portfolio types of etf and cash.
- Readers who care most about the cost of a trade, since dealing is £0 and the account fee is £0.
Who should look elsewhere
- Anyone wanting a lower floor than the £2 minimum, since CFI lists a minimum deposit of $0.
- Readers comparing purely on dealing costs, since eToro also charges $0 for a stock trade.
- People who want to fund from a higher starting amount: Vantage lists a minimum deposit of $5.
WH SelfInvest
Who it suits
- Investors who want shares and leveraged products side by side, since stocks, etfs and forex puts forex, CFDs, options, futures and bonds in the same account.
- People who split activity between a desktop terminal and mobile apps, since NanoTrader, TradingView and Trader Workstation covers both.
- Traders who want to test before committing, since demo account, fractional shares and copy trading includes a demo account and fractional shares.
Who should look elsewhere
- Anyone who mainly wants cheap stock dealing: eToro charges $0 for stock dealing against $1.90 here.
- Crypto traders, since crypto is missing from stocks, etfs and forex although CFI covers stocks, etfs and forex.
Questions about each
Plum
How much does it cost to use Plum?+
Stock trades cost £0 and the account fee is £0, so there is no dealing charge and no annual subscription to pay. The cost that can appear is the management fee of 0.15% to 0.6% on portfolios, which applies to the managed side rather than to every account. On the cost of holding and dealing, Plum sits at the cheap end of the field.
Is Plum regulated, and is my money protected?+
Plum is regulated by the Financial Conduct Authority, and the account is held with Plum Fintech Limited. The stated investor protection is FSCS up to GBP 85,000, which is the compensation available if the firm cannot pay a valid claim. That is the standard UK arrangement for a firm holding investments, and it is the part to check before depositing.
WH SelfInvest
Does WH SelfInvest charge an account fee?+
The account fee is €0 and the inactivity fee is €0, so there is nothing to pay for holding the account open and nothing for leaving it idle. That is why the brand ranks 1 of 138 on our data for the account fee and 1 of 56 for inactivity.
What does it cost to buy a stock?+
A stock trade costs $1.90, and that is the charge which scales with how often you trade. It ranks 123 of 161 on our data, so anyone dealing in shares regularly will feel it far more than the flat fees. Multiply it by the number of trades you expect.