Updated October 18, 2026 · SumCue Editorial Team
ii vs J.P. Morgan Personal Investing
ii
Higher score in this comparison
J.P. Morgan Personal Investing
ii vs J.P. Morgan Personal Investing: the differences
| Compare | iiReviewSee alternativesSee alternatives | J.P. Morgan Personal InvestingReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £0Lower | £500 |
| Markets | Stocks, ETFs, Funds, BondsCovers more | ETFs, Funds, Bonds |
| Deposit and withdrawal fees | Free transfers in/out; free next-day withdrawals, GBP15 same-day | No withdrawal fee |
| Platforms | Mobile app | Web, Mobile appCovers more |
| Account types | ISA, SIPP, Jisa, Joint | ISA, SIPP, Lisa, Jisa |
| Stock trade fee | £3.99 | Not confirmed |
| Account fee | £71.88 | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
| Interest on cash | 0.8% | Not confirmed |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- ii scores higher overall: 8.6 vs 8.5.
- Minimum deposit is lower at ii: £0 vs £500.
- Markets: only ii offers Stocks.
- Platforms: only J.P. Morgan Personal Investing offers Web.
- Account types: only ii offers Joint.
- Account types: only J.P. Morgan Personal Investing offers Lisa.
- Support channels: only ii offers Phone.
Our verdict on each
ii
ii suits investors who want tax efficient and family accounts with ISA, SIPP and jisa alongside stocks, ETFs and funds through Mobile app. Stock trades cost £3.99 and the account fee is £71.88, so active traders should balance dealing charges against portfolio growth.
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 | ii | J.P. Morgan Personal Investing |
|---|---|---|
| Cost | 8.6HigherLow entry hurdle with minimum deposit of £0 balanced by dealing charges | 8.2Costs are light after entry: No withdrawal fee and £500 is the main barrier for a small first pot. |
| Offer | 8.9Choice across stocks, ETFs and funds held within ISA, SIPP and jisa via Mobile app | 8.9 |
| Trust | 8.5Oversight from Financial Conduct Authority with cover of FSCS up to GBP 85,000 | 8.6Higher |
Positions in our rankings
| Ranking | ii | J.P. Morgan Personal Investing |
|---|---|---|
| Investing | 322 of 654 | 324 of 654 |
| Stock and ETF brokers | 234 of 358 | 236 of 358 |
| Stocks and shares ISAs | 17 of 25 | 18 of 25 |
| Pensions and SIPPs | 13 of 23 | 14 of 23 |
Where these facts come from
ii
- ii.co.uk: 16 facts, checked September 28, 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
Every fact side by side
| Fact | ii | J.P. Morgan Personal Investing |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Low fees | Not confirmed |
| Audience | Not confirmed | Beginners |
| Legal entity | Interactive Investor Services Limited | J.P. Morgan Personal Investing Limited |
| Headquarters | United Kingdom | Not confirmed |
| Support channels | Phone, Help centreCovers more | Help centre |
Where each stands against the rest
| Fact | ii | J.P. Morgan Personal Investing | Median |
|---|---|---|---|
| Minimum deposit | £0lowest quarter | £500highest quarter | £15 |
| Stock trade fee | £3.99highest quarter | Not confirmed | £0 |
| Account fee | £71.88highest quarter | Not confirmed | £0 |
| Currency conversion fee | 0.75%above the median | Not confirmed | 0.4% |
| Interest on cash | 0.8%lowest quarter | Not confirmed | 2.875% |
Median across 77 listed providers.
Pros and cons
ii
Pros
- Begin with £0 and invest across stocks, ETFs and funds without funding pressure
- Hold ISA, SIPP and family accounts through ISA, SIPP and jisa in a single provider
- Cover of FSCS up to GBP 85,000 under Financial Conduct Authority for added assurance
Cons
- Account fee of £71.88 applies whether you trade or leave holdings untouched
- Stock trades cost £3.99 versus $0 at ActivTrades
- Foreign trades carry conversion costs of 0.75% on top of dealing charges
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
ii
Who it suits
- Investors building ISA and SIPP holdings with junior and joint accounts included
- Buy and hold investors focused on shares, funds and bonds with mobile access
Who should look elsewhere
- Traders sensitive to per order costs may prefer ActivTrades where stock trade fee is $0 rather than £3.99
- Investors comparing entry levels may consider XTB with minimum deposit of €0 or eToro with minimum deposit of $50
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 | ii | J.P. Morgan Personal Investing |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
ii
What does ii charge for share dealing and account holding?+
Stock trades cost £3.99 and the account fee is £71.88. The account fee covers holding of investments across wrappers and applies on top of dealing charges. Check how often you expect to trade before judging value against infrequent use.
Is ii regulated and is money protected?+
ii is provided by Interactive Investor Services Limited and regulated by Financial Conduct Authority. Client cover is FSCS up to GBP 85,000. Protection applies within scheme limits and does not remove market risk, so holdings can still fall in value.
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
J.P. Morgan Personal Investing