*Octopus Choice: voted winner of the 2017 Moneyfacts Innovation Award*
Want to invest your money, but don’t like the idea of the stock market? Octopus Choice lets you target a great rate of around 4% a year (gross, or tax-free within your ISA) by investing in loans backed by bricks and mortar.

You can set up your account and start investing in just minutes, with a minimum of only £10. And there’s no fixed-term either – you can ask to withdraw at any time. Just remember, your capital is at risk and instant access to your money cannot be guaranteed.

With the Octopus Choice app, you can:
● Create your Octopus Choice account
● Check the balance and current interest rate of your Octopus Choice account (and Octopus Choice ISA, if you have one), see any interest earned to date, as well as all that’s due to paid, and get a full list of all transactions
● Top up your account. Remember, your capital is at risk: you may get back less than you put in
● Request a withdrawal. Remember, instant access can’t be guaranteed
● Set up or manage your monthly investing preferences
● Manage your account, including changing password, adding a new debit card or setting up bank details
● Invest using Apple Pay. Remember, your capital is at risk and instant access can’t be guaranteed.

And clients of advisers are able to use the app to review their investments, too.

We’d love to know what you think: if you have any feedback, large or small, get in touch at


Octopus Choice is not a cash savings account: the value of an investment and any income from it, can fall or rise. You may not get back the full amount you put in.
Peer-to-peer investments are not protected by the Financial Services Compensation Scheme (FSCS).
Money invested through Octopus Choice is concentrated in loans secured against property and could be affected by market conditions.
Instant access cannot be guaranteed.
Tax treatment depends on individual circumstances and may be subject to change. Remember, too, that investing in an Innovative Finance ISA places your capital at risk, and is not covered by the FSCS.

Issued by Octopus Co-Lend Limited, which is authorised and regulated by the Financial Conduct Authority (reference number 722801). Registered in England and Wales (No. 08913299): 33 Holborn, London, EC1N 2HT.

What's New
Version History Version 2.4

New investors no longer need to go online to create an account, they can do so straight from their device. And, for our existing investors, we've made a bunch of updates and tweaks to make it even easier to use, too. Remember, if you’re new to Octopus Choice, you should make sure you’re comfortable with the risks before creating an account.

What’s New

Version 2.8.3

We have paused trading activity in Choice. As a result, we are not accepting new investments or processing withdrawals for the time being. For more information, read our statement

Ratings and Reviews

4.2 out of 5
25 Ratings

25 Ratings

Lord DG ,

An investment app that is simple!

The product is outstanding so it's great that it now has a clear, easy to use App that supports it. Great info on balance, transactions, interest & the investment map is really cool.

Dave Begley @ mega buys uk ,

4% ? How much do you make?

They’ll put your money to work with other borrowers with massive interest rates while you get 4% 10 grand in they lend that 10 grand to 10 people with a 23% interest rate (for example) while they rake in 23% per year off say 5 because the other 5 didn’t pay they still make a massive profit and give you a pathetic 4% for using your money!!! Any loan company or bank work on the rule of 72

Developer Response ,

Hi Dave - thank you for your review, which raises transparency as a critical issue for our customers.

We totally agree, which is why we share the interest rates for all of our loans at They currently range from 4.99% to 8.99%.

For each investor, we also diversify newly invested capital into up to 60 different loans as part of our approach to risk management.

We take transparency with customers very seriously, and we're glad you've raised it here.

If you do have any further questions, don't hesitate to contact us at

Char4212 ,

Clear and simple

I like the product and I like the app interface - clear and simple


Octopus Investments, Ltd
70.2 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


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  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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