Our Fees
There are fees for all investments and pensions, but you may get a different level of service. At Octopus Money, we’re on a mission to make 1-to-1 money advice more affordable for all.
No hidden fees
We always keep the full cost of investing clear and transparent
No exit fees
Transfer your money out whenever you want, no questions asked
Dedicated Coach + Digital Adviser
Swipe left to compare |  | Traditional
Financial Advisers |
Upfront Planning Fee | £299 | £2,000 or more |
Total Ongoing Fee | 1.15% | 1.9% or more |
The fees above are available for customers who work with one of our accredited coaches plus our digital adviser to receive advice. The fees for customers who work with our personal financial advisers are different.
The figures quoted in “Traditional Financial Advisers” represent averages across the financial advice market – the upfront planning fee is sourced from Unbiased, Feb 2024 and the total ongoing fee is sourced from Which?, Jan 2024.
Fee Breakdown | |
Total Ongoing Fee | 1.15% |
Advice Fee | 0.55% |
Management Fee | 0.10% |
Platform Fee | 0.40% |
Fund Fees | 0.10% |
Transferring Out | £0 |
Switching Funds | £0 |
Withdrawing Money | £0 |
Closing Your Account | £0 |
The advice fee covers the ongoing 1-to-1 financial coaching, planning and investing advice we provide.
The management fee covers the cost of managing your investments on your behalf.
The platform fee covers all the digital tools that allow you to hold, access and track your investments online.
The fund fees cover the ongoing charges set by the funds in your investment portfolio. This fee may vary slightly based on the portfolio we recommend (+/- 0.02%).
In pounds and pence
Paying a percentage of your investments is common across the UK, but it’s a bit confusing, isn’t it? Here’s what our fees look like in pounds and pence.
How much you invest | £10,000 | £30,000 | £50,000 | £100,000 |
Total Yearly Fee | £115 | £345 | £575 | £1,150 |
How you pay
Your fees are taken directly from your investments, so you don’t have to worry about setting up a direct debit or budgeting separately for them.
When you pay
We calculate fees per day, based on the closing balance of your investments. We collect fees monthly “in arrears” (which means that we charge you for the services you received in the previous month, not the month ahead).
Why choose to invest with Octopus Money
See how our service stacks up compared to the most popular investment providers on the market