Octopus Money Customer Reviews & Expert Rating

Octopus Money Expert rating

^{Our expert rating is the average of the areas listed here, each scored out of 5 by our team.}

4.7Excellent

Our experts have rated Octopus Money across five key areas of our review framework.

Pricing4.5
Market Access4.5
App & Platform4.5
Customer Service5.0
Research & Analysis5.0

Pros

Fixed fee advice
Personal guidence
Backed by Octopus

Cons

Fees higher than DIY platforms
More suitable for £200k portfolios

See full expert review

Our verdict

Octopus Money starts with a free video chat to explain its service, costs, and build your financial profile. A personalised financial plan costs from £299, with one-to-one sessions focused on your goals and a clear, visual forecast of your finances, alongside practical next steps. For ongoing support, you can opt into regulated advice from around 1.15% all-in. This includes tailored investment and pension recommendations, portfolio management, and continued access to a financial adviser, helping you stay on track and adapt your plan as your circumstances change.

Octopus Money Offers Financial Coaching For Fixed Fee

Pricing: The one off fixed coaching fee of £299 is a great way to get started. But if you want ongoing regulated investment advice 1.15% is inline with what traditional wealth managers charge for financial planning. If not, ongoing fees are 0.75% per year.

Market Access: You can invest in a pension, stocks and shares ISA or general investment account through 10 different Octopus Portfolios (graded by risk).

Octopus Portfolio 9

App & Platform: Both simple to use.

Customer Service: One of the key advantages of octopus money is access to experienced coaches and regulated advisors as and when you need them.

Research & Analysis: As with customer service, you get tailised guidence and advice based on your individual circumstances.