Exclusive offer for existing Octopus Money Direct customers
Until 1 March 2026, existing Octopus Money Direct customers can receive a free, tailored Octopus Money financial plan (normally £299). Terms apply.
Expert help for your money
With Octopus Money Direct, you make your own decisions about your investments and pension.
But we believe that everyone deserves help with their money, so Octopus Money also offers expert, 1-to-1 financial planning and advice services. Learn more about Octopus Money
If you think you’d benefit from professional help, book a free, no-obligation, video session and Octopus Money will match you with the right expert for your needs.
Additional charges may be payable if you choose to take advice. All costs will be explained clearly before you decide. Octopus Money advice services are provided by Octopus Money Financial Solutions Limited which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 763730).
Octopus Money services at a glance
Your money, your choice. Make your own decisions with Octopus Money Direct. Or get expert help from Octopus Money. Here’s what’s on offer (available for all 18+ UK residents).
 |  | |
| Your situation | You make and manage your product and investment choices | You’d like personalised recommendations from a personal finance and investing expert |
| Products |  Stocks & Shares ISAInvestment AccountPersonal Pension | Stocks & Shares ISAInvestment AccountPersonal Pension |
| Investment choices | Choose from the Octopus Money Direct funds available | Advised and managed portfolios from Octopus Money |
| Advice or guidance | Not available | Get support or regulated advice from an expert via video chat. Your first session is free, with no obligation. We’ll always explain any charges before you choose to go ahead. |
| Total charges | 0.52% – 1.00% of investment value, per year | 1.15% – 1.20% of investment value, per year  £0 planning fee for Octopus Money Direct customers until 1 March 2026 (normally £299). Terms apply. |
Terms for £0 planning fee offer for existing Octopus Money Direct:
- Must be an existing Octopus Money Direct customer, with an active, funded account
- Available to UK residents, aged 18+ only
- Introductory appointment must take place on or before 1 March 2026.
- Subject to availability
How to get advice
Get started
With a free video chat
- We’ll help you understand exactly what you’re getting – and what it costs – before you pay anything
- We’ll help you create a financial checklist and build your personal profile
Limited Offer
Planning
Fixed fee £299
£0 planning fee for Octopus Money Direct customers*
- We start with your goals – so we can help you create the future you want
- Over a few 1-to-1 sessions, we bring everything together in a simple, visual financial forecast – so you know where you stand today and how things could look in the future
*Limited time offer expires 1st March Terms apply.
Investing and Advice
From 1.15% of your investments per year
- Opt-in to get regulated advice, including personalised investing and pension recommendations
- We build and manage an investment portfolio tailored to your needs
- With ongoing advice, you’ll always have access to 1-to-1 support to navigate life’s twists and turns
The legal bit
The information on this page is not a personal recommendation. Any advice will be given only after a regulated advice process. The value of investments can go up and down, so you may get back less than you put in. Past performance is not a reliable indicator of future results. Tax depends on your individual circumstances, and the regulations may change in future. Payments you make into a pension won’t usually be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028. If you opened your pension with us before 1 January 2023, the minimum age will still be 55 after the regulations change).
Tell us what you think
More help for you
The Government’s MoneyHelper service also provides free, impartial guidance. Go to moneyhelper.org.uk to learn more. They also have a dedicated pensions and retirement service called Pension Wise.
Book a Financial Planning Session Questions and Answers
I'm an existing Octopus Money Direct customer. Do I need to provide any account information to book a session?
Yes. When you have in your starter session you’ll need to tell make sure you provide your account number (starting “VMI”).
Can somebody book this appointment over the phone for me rather than go online?
You can call Octopus Money 0203 195 4455 and their friendly team can book the session for you, but the appointment itself is always carried out as an online video call.
Who are Octopus Money?
Octopus Money are part of Octopus Group. Octopus Group has been managing investments for over 25 years. In fact, Octopus Investments was where they started back in 2000 – and today Octopus manages £9.6 billion* in assets. Octopus Money is making it easier, cheaper and more exciting for everyone to get money advice from a real person.
I’ve just made a full transfer or withdrawal away from Octopus Money Direct but I’d like the free advice, can I still book the appointment?
If you have a positive balance at the time of the appointment you will qualify for the free planning offer. However, if you don’t have any accounts with a positive balance with Octopus Money Direct then you won’t get the offer.
You may still book a session though if you are interested in Octopus Money’s services.
Do Octopus Money provide independent financial advice?
Octopus Money will work with you 1-on-1 to build a personalised financial forecast and action plan around all your goals. From there you will have the option of investing with Octopus Money to put the plan into action. The advice is not independent, Octopus Money can only provide advice about their own products.