A new choice for investors

Let's take a closer look at how we can help you get great returns.

Why Octopus Choice?

Octopus Choice lets you target great interest by investing in loans backed by bricks and mortar.

Combining modern peer-to-peer technology with good old fashioned secured lending, we pool together money from lots of different people and invest it – alongside our own money – in loans carefully selected by Octopus Property.

Peer-to-peer investments are not covered by the Financial Services Compensation Scheme (FSCS).
Instant access to your money isn't guaranteed.

How does it work?


Select your account

Choose between General (gross interest) and ISA (tax-free interest)


Choose how much to invest

Invest in minutes, from just £10


We build your portfolio

A minimum of £10 loans for investments over £100


Target great interest

The interest rate of each loan blends to form an overall target of around 4%

Accessing your money

We can't guarantee you'll get your money back instantly. But there's no term for investing with Octopus Choice – you can ask to withdraw whenever you like, free of charge.

Manage your money

icon-re-do.svg Reinvest your interest
icon-calendar.svg Invest monthly
icon-create.svg Create and transfer ISAs

Reinvest interest

We'll automatically reinvest your interest each month - so you can earn interest on your interest.


Straight into your bank

If you’re looking for a regular income, you can chose to have it automatically paid straight into your bank each month.

Regular investing made easy. Increase your returns by investing regularly.

Choose your amount

Select debit card and which day of the month you'd like your payment to be taken.

You're in control

Skip individual months if you'd rather not invest at that time.

Invest using your annual allowance

You can target interest on investments within your annual ISA allowance (£20,000 in the 2018/19 tax year).

Tax treatment depends on the individual circumstances and may be subject to change in future.

Transfer existing

You can move your existing ISAs over to your Octopus Choice ISA, too.

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Compare benefits and risks


Great rate of around 4%

Variable interest of 4% per year, paid monthly.
You can even include it within your ISA, too.


Your money is at risk

Octopus Choice is not a cash savings account: your money is invested in loans to borrowers. We can't guarantee investors will get all of their capital back , or earn all of their interest.


Bricks and mortar security

All loans secured against property, meaning they can be sold if a borrower defaults.


We're not protected by FSCS

Peer-to-peer lending is not covered by the FSCS. Your capital and interest are at risk.


Our money where our mouth is

We invest 5% in every loan. You'll get your money back before us; and earn all your interest before we earn any.


Instant access isn't guaranteed

Withdrawing means selling your investments to other investors. We'll give you access quickly, but we can't make any guarantees.


Lending track record

All loans secured by Octopus Property; an experienced lender that's lent nearly £3.5 billion since 2009.


You can be affected by a downturn

All loans made through Octopus Choice are currently secured against property. Your investment could be affected by a downturn in the property market.


People investing with Octopus Choice

All data correct as of 19th February, 2019.

Meet our investors



A first time investor explains why they opted for Octopus Choice.

Meet our investors arrow-right

Need help?


Ask a question

Head to our support centre to find answers on common questions


Drop us a message

Call our customer service team

0800 294 6848