Get on track to retire when and how you want

Combine your pots and get complete peace of mind, with a pension that includes 1-to-1 support and personalised advice

Put your long-term finances on autopilot

☑ We’ll find optimal portfolios for you to invest in

☑ We’ll make sure your portfolio suits you as your life changes

Combine your pensions without the hassle

Let us do the hard work of bringing your pensions together so you can easily keep track of everything in one place.

Free access to a coach for life

Get year-round access to a dedicated financial coach, including a yearly deep dive to update your financial plan.

No upfront costs

Money help for life when you combine your pensions


☑ Financial Plan

£299 FREE


☑ Investment Advice

0.55% per year*

☑ Investment Management

0.56% per year*

☑ Coaching

£120 per year FREE


☑ Annual Review and Updated Plan

£299 per year FREE

*There are fees with all investments and pensions – but the service you get varies widely. With Octopus, we keep things simple. You’ll pay 1.2% from the money in your pot each year. (Research from Which estimates the average price financial advice customers pay is 1.9%.) 

Frequently Asked Questions

Why should I combine my pensions with Octopus Money?

The Octopus Money SIPP, powered by our ongoing advice service, includes 1-to-1 financial planning and regulated pension advice, designed to help you actively improve your retirement outlook.

With the Octopus Money pension, we…

  • Consolidate all your previous pensions into one simple pension pot
  • Recommend and manage the investments which suit you
  • Recommend how much you should contribute in order to maximise your retirement savings
  • Keep you on track with included access to financial coaching, planning and content
  • Make it simple for your to review and manage your long-term investments alongside your financial forecasts
Will my investments be in safe hands?

Yes! Your money will be in safe hands.

Octopus manages over £13bn* of investments. In addition, the Financial Services Compensation Scheme (FSCS) protects your money, up to £85,000, in the event that your investment firm fails.

*Funds under management data includes undrawn commitments, funds under advisory mandates and funds monitored. It also includes funds under the management of Octopus Renewables Limited. As of 30th September 2023.

What services does Octopus Money offer?

Octopus Money offers a range of services that covers everything you need to plan your future, and optimise your short, medium and long term finances. This includes:

  • Money Coaching, Planning and Advice – We are the UK’s largest provider of money coaching and our teams of coaches, planners and advisers use powerful technology to help clients plan their future and optimise their finances.
  • Savings, Investments & Pensions – We help clients to grow their money for the medium and long term, and provide advice on how much and where to save and invest.
  • Other Financial Services – We also provide help with mortgages, life insurance, wills and lasting power of attorney.
Who is Octopus Money?

At Octopus Money we’re on a mission to help millions of people turn their life dreams into reality by sorting their savings, investments, pensions and more.

Through a mix of real, friendly people and really clever technology, we help you connect the dots between the life you want to live and the choices you make with your money.

We’re a certified B-corp – and yes, our famous sister is green energy game-changer, Octopus Energy.

We’re excited to help you invest your hard-earned money and introduce you to all of the ways we can help you make your money go further.

Who is it for?

We’re making financial planning and advice more accessible for everyone. That means for anyone who wants to make more of your money and feel confident they’re on track to reach their goals.

Here are just a few of the reasons we hear most often from clients:

  • “I want help buying a property.”
  • “I’ve got kids on the way and I want to make sure my finances are in order.”
  • “I’ve got several big goals in mind and I want to check I’m saving for them all in the best way.”
  • “I’m thinking ahead to retirement and want to make sure I’m going to have enough.”
What are the risks of investing my money in an Octopus Money pension?

As with any pension scheme, there are risks that the value of the investments will fall as well as rise. These risks are reduced by ensuring you are invested at an appropriate level of risk, and in a diversified, managed portfolio.

Do I have to be a UK resident to use Octopus Money?

Yes, for the time being, you must be a resident and taxpayer of the UK to use our services. That’s because our technology and recommendations are all customised for the UK – including UK tax rules, legislation that applies to UK pensions and other guidance particular to the UK money system.

Unfortunately, we also cannot help US citizens or US dual-citizens.

Octopus Money Limited is an appointed representative of Octopus Investments Limited which is authorised and regulated in the UK by the Financial Conduct Authority. Registered office: 33 Holborn, London EC1N 2HT. Registered in England & Wales under No. 14069098.

Octopus Money is a trading name of TW11 Wealth Management Limited. Registered in England and Wales (No. 10339119). Authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 763630.

As with all investing, your capital is at risk. If you choose to invest with Octopus Money, the value of your investments can go down as well as up and you may get back less than you invest.