Our Fees

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

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Traditional Financial Advisers
Upfront Planning Fee
£2,000 or more
Total Ongoing Fee
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 
Advice Fee
Management Fee
Platform Fee
Fund Fees
Transferring Out
Switching Funds
Withdrawing Money
Closing Your Account

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
Total Yearly Fee

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

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.