Our Fees
At Octopus Money, we’re on a mission to bring down the cost of advice and make it fair and affordable for all.
There are fees for all investments and pensions, but different providers offer very different levels of service. With Octopus, you can always count on personalised, 1-to-1 support.
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
- COACH + DIGITAL ADVISER
- PERSONAL FINANCIAL ADVISER
Coach + Digital Adviser
You’ll work with a dedicated coach to build your financial plan and get ongoing 1-to-1 support. Our digital adviser will provide personalised investment recommendations based on your financial plan. We’ll take care of managing your investments.
Getting Started | |
Creating Your Plan | £299 |
Ongoing Advice | |
Ongoing Fees | 1.15% per year |
Investment Advice | 0.55% |
Portfolio Management | 0.10% |
Platform | 0.40% |
Funds | 0.10% |
Topping Up Your Account | £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 portfolio 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 (+/- 0.06%). We’ll always confirm your exact cost before you invest.
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.
Value of your investments | £10,000 | £30,000 | £50,000 | £100,000 |
Total monthly fee | £9.58 | £28.75 | £47.92 | £95.83 |
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).
Personal Financial Adviser
£200,000 minimum investment to access
You’ll work with one of our financial advisers, supported by a dedicated support team, to build your financial plan and get personalised investment and pension advice. We’ll take care of managing your investments. The fees below are illustrative – your actual fees will always be confirmed by your adviser.
Getting Started | |
Creating Your Plan | £299 |
Initial Advice | |
Transferring Existing Investments | 1% |
Transferring Cash In | 0% |
Ongoing Advice | |
Ongoing Fees | ~1.25% per year |
Investment Advice | 0.75% |
Portfolio Management | 0.10% |
Platform | 0.20% |
Funds | 0.10 – 0.30% |
Topping Up Your Account | £0 |
Switching Funds | £0 |
SIPP Annual Drawdown Fee | £125 + VAT |
Closing Your Account | £0 |
The advice fee covers the ongoing 1-to-1 financial coaching, planning and investing advice we provide.
The portfolio 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 (+/- 0.06%). We’ll always confirm your exact cost before you invest.
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.
Value of your investments | £200,000 | £500,000 | £750,000 | £1,000,000 |
Total monthly fee | £208.33 | £520.83 | £781.25 | £1,041.67 |
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
