Updated October 14, 2026 · SumCue Editorial Team
AJ Bell vs J.P. Morgan Personal Investing
AJ Bell
Higher score in this comparison
J.P. Morgan Personal Investing
Where AJ Bell and J.P. Morgan Personal Investing differ
| Compare | AJ BellReviewSee alternativesSee alternatives | J.P. Morgan Personal InvestingReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £25Lower | £500 |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | ETFs, Funds, Bonds |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Deposit and withdrawal fees | Free withdrawals | No withdrawal fee |
| Platforms | Web platform, Mobile app | Web, Mobile app |
| Stock trade fee | £5 | Not confirmed |
| Account fee | £3.50 | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000), Account types (ISA, SIPP, Lisa, Jisa).
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Key differences
- AJ Bell scores higher overall: 8.7 vs 8.5.
- Regulators: only AJ Bell offers Financial Conduct Authority (FCA).
- Regulators: only J.P. Morgan Personal Investing offers Financial Conduct Authority.
- Minimum deposit is lower at AJ Bell: £25 vs £500.
- Markets: only AJ Bell offers Stocks.
- Platforms: only AJ Bell offers Web platform.
- Platforms: only J.P. Morgan Personal Investing offers Web.
- Support channels: only AJ Bell offers Chat.
Our verdict on each
AJ Bell
AJ Bell suits UK savers who want a dealing platform, a pension and a tax wrapped account in the same place, with stated protection of FSCS up to GBP 85,000 for careful planners. The per-deal charge of £5 makes it a weaker fit for frequent traders.
J.P. Morgan Personal Investing
J.P. Morgan Personal Investing suits beginners who want tax-wrapped investing under a well known bank name. The catch is the entry level: the minimum deposit is £500, and money held with the firm is covered by FSCS up to GBP 85,000.
Score breakdown
| Area | AJ Bell | J.P. Morgan Personal Investing |
|---|---|---|
| Cost | 8.5Higher | 8.2Costs are light after entry: No withdrawal fee and £500 is the main barrier for a small first pot. |
| Offer | 9.2Higher | 8.9 |
| Trust | 8.6 | 8.6 |
Where each is licensed and available
| Country | AJ Bell | J.P. Morgan Personal Investing |
|---|---|---|
| United Kingdom | Financial Conduct Authority 552016 |
Available in 1 country for both.
A third option
Hargreaves Lansdown has minimum deposit at £0, against £25 for AJ Bell and £500 for J.P. Morgan Personal Investing.
Hargreaves Lansdown reviewWhat we checked
AJ Bell
- ajbell.co.uk: 15 facts, checked September 26, 2026
J.P. Morgan Personal Investing
- personalinvesting.jpmorgan.com: 8 facts, checked September 26, 2026
- register.fca.org.uk: 2 facts, checked September 26, 2026
- moneytothemasses.com: 1 fact, checked September 26, 2026
How they place
| Ranking | AJ Bell | J.P. Morgan Personal Investing |
|---|---|---|
| Investing | 293 of 654 | 324 of 654 |
| Stock and ETF brokers | 213 of 358 | 236 of 358 |
| Stocks and shares ISAs | 14 of 25 | 18 of 25 |
| Pensions and SIPPs | 10 of 23 | 14 of 23 |
Every fact side by side
| Fact | AJ Bell | J.P. Morgan Personal Investing |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Low fees | Not confirmed |
| Audience | Not confirmed | Beginners |
| Legal entity | AJ Bell | J.P. Morgan Personal Investing Limited |
| Headquarters | United Kingdom | Not confirmed |
| Support channels | Chat, Help centreCovers more | Help centre |
Where each stands against the rest
| Fact | AJ Bell | J.P. Morgan Personal Investing | Median |
|---|---|---|---|
| Minimum deposit | £25above the median | £500highest quarter | £15 |
| Stock trade fee | £5highest quarter | Not confirmed | £0 |
| Account fee | £3.50above the median | Not confirmed | £0 |
| Currency conversion fee | 0.75%above the median | Not confirmed | 0.4% |
Median across 77 listed providers.
Pros and cons
AJ Bell
Pros
- The account fee of £3.50 is a set figure on the dealing account, which makes the holding cost easy to budget.
- You can open an account from a minimum deposit of £25, a small opening balance for a dealing platform.
- The accounts listed as isa, sipp and lisa mean an individual savings account, a pension, a lifetime account and a junior account all sit with the same provider.
Cons
- Each deal costs £5, so the platform punishes anyone who trades often rather than holds.
- Support runs on chat and help centre only, so anyone who wants a phone line will not find one here.
- Currency conversion adds 0.75% on top of the dealing charge, so a global portfolio carries a further, quieter cost.
J.P. Morgan Personal Investing
Pros
- Money is covered by FSCS up to GBP 85,000 if the firm fails.
- isa, sipp and lisa puts pension, adult, lifetime and child money under one roof.
- Taking money out carries No withdrawal fee, so exiting costs nothing.
Cons
- Support runs on help centre only, with no phone line for urgent questions.
- The £500 entry deposit sits well above the site median of €0.88.
- Buying is limited to etfs, funds and bonds, so the range suits fund and ETF investors more than direct share dealing.
Who each suits
AJ Bell
Who it suits
- Savers who want a dealing account and a pension under the same regulated firm, since the accounts listed as isa, sipp and lisa cover the main UK wrappers.
- People who plan to hold rather than trade often, because the per-deal charge of £5 works against frequent dealing.
- Investors who put weight on UK oversight and a stated protection limit, given Financial Conduct Authority (FCA) and FSCS up to GBP 85,000.
Who should look elsewhere
- Anyone starting with a smaller sum than £25, where CFI lists a minimum deposit of $0.
- People who want a phone conversation with support, since help here runs on chat and help centre only; bunq suits those after a bank relationship rather than a dealing platform.
- Anyone whose need is borrowing rather than investing, where Fiesta Credito MX sits under CONDUSEF in a different market.
J.P. Morgan Personal Investing
Who it suits
- Beginners starting a long term pot for the first time, since the service is aimed at beginners.
- Parents who want child savings and adult investing in the same place, with isa, sipp and lisa to choose from.
- People who want to check and trade in the same place, using Web and Mobile app.
Who should look elsewhere
- Small starter pots: bunq takes a minimum deposit of €10, a lower bar than £500.
- Anyone who wants to open with no minimum: CFI's minimum deposit is $0.
- Mexican market savers: Fiesta Credito MX is regulated by CONDUSEF, not a UK scheme.
Current offers
J.P. Morgan Personal Investing
Current offer
Bonus
ISA Transfer Offer with rewards: GBP 50 to GBP 2500 cashback or 5000 to 250000 Avios
Initiate transfer of GBP 5000 or more between 15 Jan 2026 and 8 May 2026, keep invested until 8 May 2027; offer has now ended
Source, checked September 26, 2026
Country by country
| Country | AJ Bell | J.P. Morgan Personal Investing |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
AJ Bell
What does it cost to open and run an account?+
You need a minimum deposit of £25 to get going, which is a small opening balance for a dealing account. After that the account itself costs £3.50, and each deal you place costs £5. Add 0.75% if you convert pounds into another currency, and keep in mind that frequent trading is where a per-deal charge adds up fastest.
Is my money protected at AJ Bell?+
Your money sits with a firm regulated by Financial Conduct Authority (FCA), the UK regulator, and the stated investor protection is FSCS up to GBP 85,000. That figure is the ceiling on what the protection scheme pays if the firm fails, not a return on your investments, so a fall in the value of your holdings is not covered by it. Account opening and dealing happen under the same firm.
J.P. Morgan Personal Investing
How much do I need to put in to start?+
Getting started takes a minimum deposit of £500. Compared with the site median of €0.88, that is a higher bar, so a beginner with a small amount to invest is better served by a platform built for smaller first pots.
Is my money protected?+
Investments sit with J.P. Morgan Personal Investing Limited and are covered by FSCS up to GBP 85,000, so qualifying balances are protected up to that limit if the firm fails. The firm is authorised and supervised by the Financial Conduct Authority in the UK.
Other options to compare
Other matchups
AJ Bell
J.P. Morgan Personal Investing