Octopus Money Reviews 383

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for being friendly, attentive, and knowledgeable, often highlighting their passion and helpfulness. The customer service is frequently described as excellent, with many people appreciating the personalized approach, clear communication, and quick response times. Reviewers also found the overall service and user experience to be efficient and easy to understand, with advisors providing valuable and insightful guidance. However, some customers were dissatisfied with the customer service, mentioning difficulties with access and communication, particularly for those living overseas. A few people also felt that the company's performance was similar to a previous provider, indicating issues with competence in certain situations.

What people talk about most

Staff

Users describe positive interactions with staff, highlighting their helpfulness, knowledge, and... See more

Customer service

Consumers find customer service to be a positive experience, with many praising the helpfulness and... See more

Service

Reviewers highlight positive aspects of service, often praising the clear explanations and helpfulness of the... See more

User experience

People report positive experiences with the user experience. Customers found sessions very useful,... See more

Response time

Reviewers mention positive feedback about response time. Customers consistently highlight the promptness and... See more

Based on these reviews

Rated 5 out of 5 stars

Puja and the Octopus Money team were super friendly, attentive and knowledgeable when dealing with my mortgage. Puja helped me through the whole process, answered all my burning questions and really... See more

Rated 5 out of 5 stars

I've been working with my Financial Coach Martin and have found him to be brilliant. He's thoughtful and insightful and is so easy to talk to. He's clearly very passionate about his role and I know he... See more

Rated 5 out of 5 stars

I loved chatting to Justine, she was so warm and friendly. Her approach of normalising and explaining the different options was really good. I felt she understood where I was now in terms of financ... See more

Rated 5 out of 5 stars

As a first time buyer, Octopus Money has been positively impactful as my mortgage broker. Puja clearly explained the mortgage process and different product options in simple terms. Puja c... See more


Company details

  1. Non-Bank Financial Service

About Octopus Money

Written by the company

At Octopus Money, we believe everyone deserves personal, 1-to-1 help with their money. We bring together all the pieces of your financial life and make sure your savings, investments and pensions are all on track for the life you want to live.

Through a combination of real, friendly people and really clever technology, we help you see where you stand today and build the plan for whatever you’re dreaming of.

First things first. Meet for a chat, discuss your goals and money questions and see how Octopus Money can help.


  • Talk to a real person – Ditch the robots – get personalised help from a human
  • See your future – explore different scenarios with our powerful planning technology
  • Step-by-step plan – we'll make it easy for you to improve your financial future
  • Take action – easily set up your ISA and retirement account, with a custom portfolio, managed by our experts.

Join 71% of Octopus Money customers who feel more on track for the financial future they want.

Contact info

4.8

Excellent

TrustScore 5 out of 5

383 reviews

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Replied to 100% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Top Notch

Friendly, professional and helpful advice, delivered remotely and a time to suit you. I found the service to be very beneficial in setting my goals and working to achieve them.

16 April 2026
Rated 5 out of 5 stars

Super friendly, attentive and knowledgeable team!

Puja and the Octopus Money team were super friendly, attentive and knowledgeable when dealing with my mortgage. Puja helped me through the whole process, answered all my burning questions and really thoroughly educated me at each step. She also went out of her way to offer guidance during the negotiation and application stages which left me in such a stronger position.

Couldn't recommend Puja and the OM team enough - thanks so much - it's been great working with you!

16 April 2026
Unprompted review
Rated 1 out of 5 stars

From the moment Octopus took over…

From the moment Octopus took over Virgin Money, the process of access and communications has been rock bottom

If you live overseas without a UK mobile number, you are shafted. Email CS - call us - umm 7 hours time difference plus costly call fees to sit on hold? No Thanks. Eventually they promised to call me - which they did eventually at 3 am while I was asleep and missed the call.

Nect, buy a viritual UK mobile number (not too bad per year - but still a cast) - signed in, accessed the account then signed out

Tried to sign in 3/4 hours later and blocked - we need to check some information - please call the UK...... oh dear.

Customer service is dire at best. Emails asking for feedback on how they did? pass.

15 April 2026
Unprompted review
Octopus Money logo

Reply from Octopus Money

Thank you for taking the time to leave your feedback, and also for speaking with us on the phone today.

We’re really sorry about the ongoing difficulties you’ve experienced accessing your account from overseas, particularly around the UK mobile number requirement and then being blocked again shortly after regaining access. We completely understand how frustrating and disruptive this has been and we’re sorry for the inconvenience and stress this has caused you.

As we discussed today, we’re prioritising your case to make sure we can find a more practical and reliable way for you to access your account given your location and time zone, and to avoid these issues happening again.

We will stay on this with you until we get this resolved and a member of the team will be calling you again within the next hour. Thank you again for raising your concerns.

Rated 5 out of 5 stars

Responsive and easy to work with

The people I have dealt with at Octopus have been responsive, easy to talk to and clear to understand. My financial forecast with Ben Atherton provided me with a lot of reassurance around financial planning, plus some helpful tips. My mortgage consultant, Puja Hathi worked to tight deadlines to help me secure the rate I wanted and was friendly and helpful.

14 April 2026
Unprompted review
Rated 5 out of 5 stars

Remortgage

From start to finish, Puja kept us up to date with progress, reassuring and professional. Having been on a substandard mortgage before, the move to a high street lender at half the rate we were paying was very welcome.

31 March 2026
Rated 5 out of 5 stars

Amazing!

From our very first conversation, Puja understood exactly what we needed and made a plan to resolve our financial situation. Puja was amazing throughout and we now have financial security.

31 March 2026
Unprompted review
Rated 1 out of 5 stars

Octopus Money - avoid at costs! You have been warned.

After being hopelessly mismanaged by Virgin Money my pension fund was transferred to Octopus money. Unfotunately they appear to be equally incompetent. The fund has dropped £12,000 in a month! Who would have thought that a war would result in stocks falling - not this lot obviously.

24 March 2026
Unprompted review
Octopus Money logo

Reply from Octopus Money

Thank you for taking the time to share your feedback — we’re really sorry to hear you’ve been disappointed with your fund performance. We completely understand how worrying that can feel.

Recent global events have led to higher inflation and interest rates, which can affect investments, especially bonds, across the market.

Our investment managers are totally focused on the outcomes for customers. They focus on long‑term positioning rather than reacting to short‑term volatility. This is because holding high‑quality investments through periods of uncertainty typically leads to better long‑term outcomes for our customers.

We've been in touch to speak to you directly, but if there’s anything more we can do for you, please reach out to us on 03455 28 88 88 and our team will be happy to help.

Rated 5 out of 5 stars

feeling optimistic post mortgage review

I have quite a complex financial set up and with rates shooting back up and my fixed term coming to an end its all been rather unnerving. Puja has been brilliant, understood my situation perfectly and I feel completely at ease with next steps and no where near as concerned as I was pre speaking with her

24 March 2026
Unprompted review
Rated 5 out of 5 stars

Stress free remortgage with a personal touch

Puja has been a star at arranging our remortgage. She's been really helpful in explaining and modeling out our different options. We were really stressed about our remortgage as rates are very volatile at the moment. Puja has helped alleviate any stress, made sure things moved really fast with our application and has been super responsive to any queries we had. I highly recommend Puja and Octopus Money for any mortgage needs!

19 March 2026
Unprompted review
Rated 5 out of 5 stars

I honestly can’t recommend Puja enough

I honestly can’t recommend Puja enough. From the very first conversation, she was absolutely brilliant. She was super helpful, proactive, and always on top of every detail.
She made what could have been a really stressful process feel so much easier by being so clear and supportive throughout. Even when the market shifted, she was right there with the best advice. We’ve decided to hit pause for now, but we will 100% be coming back to Puja as soon as we’re ready to go again. If you’re looking for a broker who genuinely cares and knows their stuff, she is the one

20 March 2026
Unprompted review

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