What does 'above zero' or 'below zero' mean on my account balance?

Anything 'above zero' is a credit balance. This means if you left Octopus tomorrow - and your bills were up to date - we'd refund you this money to take your balance back to £0.

Want to know how to request a refund?

Anything 'below zero' is a debit balance. This means if you left Octopus tomorrow - and your bills were up to date - you'd need to pay us this amount to bring your balance back to £0.

Want to know more about how credit and debit work?