01
Stocks and Shares ISA
Invest up to £20,000 each tax year and pay no tax on your returns.
Explore the ISA (Stocks and Shares ISA)
Unlimited 1-to-1 coaching, included
Invest with a coach in your corner
Not sure where to start? Open an ISA, pension or investment account, with your own financial coach to explain it all in plain English.
Rated Excellent on Trustpilot · 4.8 from 436 reviews
Remember, the value of investments can go up and down, so you may get back less money than you put in.
- Certified B Corporation
- Part of the Octopus Group
- Unlimited 1-to-1 coaching
- Rated Excellent on Trustpilot
- £25 is all you need to start
Why Octopus Money
Refreshingly human
Ongoing support from real, friendly people
Proven expertise
25+ years' experience managing billions in assets
Exceptional value
Get help with your money at a fair, transparent price
A force for good
A B Corp built to change the industry for the better
1-to-1 support
A real person, whenever you need one
Your coach helps you set goals, understand your options and stay on track when life changes. Book as many 30-minute video sessions as you like, at no extra cost.
Set your goals
A home, a family, the retirement you want.
Understand your choices
Accounts and portfolios, talked through in plain English.
Ask anything
No jargon, no hard sell, no question too basic.
Also included: free mortgage and protection advice from our advisers.
Financial coaches do not provide regulated advice. They do not make personal recommendations or review your suitability for investment products.
Your initial session with a protection and mortgages adviser is an introductory conversation only and does not constitute regulated advice or a personal recommendation. We're paid a commission by the insurance or mortgage provider you choose.
Why a coach
Investing can feel like it isn't for you. Your coach explains it in plain English until it makes sense, then helps you take the next step.
Ways to invest
Three ways to invest. A coach to talk them through.
Each comes with three ready-made portfolios, built and rebalanced by experts.
- Cautious
- Balanced
- Adventurous
£25is all you need to start
The value of investments can go up and down, so you may get back less than you put in. Tax treatment depends on your circumstances and may change.
02
Personal Pension
Save for later life, with tax relief added to what you pay in.
Explore the pension (Personal Pension)
03
General Investment Account
Keep investing once you've used your ISA allowance.
Explore the GIA (General Investment Account)
Not sure which?
Talk it through with a coach first
Thirty minutes on video, at a time that suits you, before you decide anything.
- No obligation to invest
- Questions in your own words
- Your options, side by side
Already invest somewhere else?
Bring an ISA or pension across to Octopus Money in three steps. Your coach can talk you through it first.
Transfer to us- Step 1
Tell us where it is
The provider and the account you'd like to move.
- Step 2
We ask for the transfer
We contact your old provider for you.
- Step 3
See it in your account
Your money arrives in your chosen portfolio.
Fees
Our fees, in pounds and pence
One yearly fee of between 0.58% and 0.60%, all in. On £10,000, that's up to £5 a month. Your coach costs nothing extra.
On £10,000, up to £5 a month
- Platform
- 0.40%
- £40 a year
- Portfolio management
- 0.10%
- £10 a year
- Funds
- 0.08 to 0.10%
- £8 to £10 a year
- Your coach
- Included
- £0
Worked out on the amount shown, before any growth. Rounded to the nearest pound.
No charge to
- £0Top up
- £0Switch
- £0Withdraw
- £0Close
Why Octopus Money
Your money, in safe hands
Who holds your money, how it's protected and how to reach a real person.
01
Held by a custodian
Your investments are held by Seccl Custody Limited, not by us.
02
Protected if a firm fails
If we or our custodian couldn't pay what we owe you, you may be able to claim up to £85,000 from the FSCS. It doesn't cover investments falling in value.
03
Part of the Octopus Group
Doing things differently for 25 years.
04
Talk to a real person
Monday to Friday, 9am to 5pm.
05
Spot a scam
See what we'll never ask you for, and how to check it's really us.
How to spot a scam (security and scams)06
Investor information
Fund prices, documents and terms for Octopus Money Direct customers, all in one place.
Find your documents (investor information)Plans people make with their coach
From overwhelmed to in control
Buying a home Work out what to put aside each month, and how each account works for a deposit.
Planning for retirement See what your pension could look like, and how combining old pensions works.
A family to plan for Fit saving for the future around everything else your family needs.
Rated Excellent on Trustpilot, from 436 reviews. Read what customers say
Refreshingly human
The people behind your coach
Real people who'll get to know you, your goals and your plans.
Help
Questions people ask us
Still got a question? Talk to a real person on 020 3195 4455, Monday to Friday, 9am to 5pm.
Does the coaching cost extra?
No. Coaching is included at no extra cost. You pay one yearly fee of between 0.58% and 0.60%, all in.
Is my coach a financial adviser?
No. Financial coaches don't provide regulated advice or make personal recommendations. They help you understand your options, so you can decide.
Who looks after my investments?
Your investments are held by Seccl Custody Limited, not by us. If we or our custodian couldn't pay what we owe you, you may be able to claim up to £85,000 from the FSCS.
How much do I need to start?
£25 is all you need to start, in an ISA, a pension or a General Investment Account.
Can I move an ISA or pension I already have?
Yes. Tell us where it is and we'll ask your old provider for the transfer. Your coach can talk you through it first.
What if I want my money back?
There's no charge to withdraw or to close your account. The value of investments can go up and down, so you may get back less than you put in.
