Octopus Cosy UK Tariff Guide (2026): Rates, Savings, Who It's For
Last updated: 4 May 2026
Octopus Cosy — UK tariff guide (2026)
Reviewed by the eCycling Central editorial team on May 2026
Octopus Cosy is a Heat-pump time-of-use tariff from Octopus Energy. It's designed for Heat pump owners + battery storage owners.
Rates (2026)
| Field | Value | |---|---| | Off-peak rate | 12-15p / kWh | | Peak rate | 35-50p / kWh | | Off-peak window | 04:00-07:00 + 13:00-16:00 + 22:00-00:00 | | Standing charge | varies by region (typically 50-65p/day) | | Estimated annual savings vs standard tariff | £200-500/year |
Who this tariff is for
Heat pump owners + battery storage owners.
How to maximise savings
The Octopus Cosy pays off when you can shift load INTO the off-peak window. Practical ways to do this:
- Plug-and-play battery storage — charge during off-peak (e.g. 04:00), discharge during peak. See our plug-and-play batteries UK guide for the products that work with this.
- EV smart charging — schedule your EV to charge only during the off-peak window via your charger's app or via Octopus Intelligent Go's automated scheduling.
- Heat pump scheduling — pre-heat the house during off-peak hours, coast through peak. Particularly powerful with the Octopus Cosy tariff if you have a heat pump.
- Dishwasher / washing machine timers — built-in delay timers on modern appliances let you start them at off-peak hours.
How to switch to Octopus Cosy
- Visit Octopus Energy's website and check eligibility (some tariffs require a smart meter or specific equipment)
- Most providers complete the switch within 5-10 working days
- No exit fees on most modern tariffs (verify before switching)
- SMETS2 smart meter required for half-hourly billing on most TOU tariffs
Common combinations
- Octopus Cosy + plug-and-play battery — charge battery off-peak, discharge during peak. Average £125-£300 additional annual saving vs the tariff alone.
- Octopus Cosy + EV smart charger — schedule overnight charging. EV owners save £400-£800/year on this combo vs Standard Variable Tariff.
- Octopus Cosy + heat pump + battery — full-stack low-carbon home setup. Average £700-£1,500/year savings vs gas heating + standard electricity.
Related guides
- Plug-and-play batteries UK guide (2026)
- Best UK time-of-use tariffs (2026)
- Energy-saving devices for UK households
Sources
- Octopus Energy published tariff page (most recent rates)
- Ofgem Time-of-Use Tariff Database
- Energy UK consumer trends report (2026)
Frequently Asked Questions
What are the Octopus Cosy rates?
Off-peak: 12-15p/kWh. Peak: 35-50p/kWh. Off-peak window: 04:00-07:00 + 13:00-16:00 + 22:00-00:00. Rates as of May 2026; check Octopus Energy's site for current pricing.
Who is the Octopus Cosy tariff best for?
Heat pump owners + battery storage owners.
How much can I save with the Octopus Cosy?
Estimated **£200-500/year** per year compared to a standard variable tariff, depending on how much load you can shift into the off-peak window.
Do I need a smart meter for the Octopus Cosy?
Yes — a SMETS2 smart meter is required for time-of-use tariffs to work properly. Most UK households now have SMETS2 meters; if you don't, your supplier will install one free.