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

  • 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%
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

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%
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.

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.