Updated October 14, 2026 · SumCue Editorial Team
InvestEngine vs J.P. Morgan Personal Investing
InvestEngine
Higher score in this comparison
J.P. Morgan Personal Investing
What sets them apart
| Compare | InvestEngineReviewSee alternativesSee alternatives | J.P. Morgan Personal InvestingReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £100Lower | £500 |
| Markets | ETFs | ETFs, Funds, BondsCovers more |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Deposit and withdrawal fees | Free | No withdrawal fee |
| Platforms | Web, iOS, Android | Web, Mobile app |
| Account types | ISA, SIPP, Corporate | ISA, SIPP, Lisa, Jisa |
| Stock trade fee | £0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Interest on cash | 0% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- InvestEngine scores higher overall: 8.7 vs 8.5.
- Regulators: only InvestEngine offers Financial Conduct Authority (FCA).
- Regulators: only J.P. Morgan Personal Investing offers Financial Conduct Authority.
- Minimum deposit is lower at InvestEngine: £100 vs £500.
- Markets: only J.P. Morgan Personal Investing offers Funds, Bonds.
- Platforms: only InvestEngine offers iOS, Android.
- Platforms: only J.P. Morgan Personal Investing offers Mobile app.
- Account types: only InvestEngine offers Corporate.
- Account types: only J.P. Morgan Personal Investing offers Lisa, Jisa.
- Support channels: only InvestEngine offers Email.
Our verdict on each
InvestEngine
InvestEngine suits UK beginners who want a small, set-and-forget ETF pot with nothing charged for holding or trading. The account fee is £0, the minimum deposit is £100 and the only recurring charge is a management fee of 0.25%. The trade-off is that you hold ETFs and nothing else.
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 | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Cost | 9.0Higher | 8.2Costs are light after entry: No withdrawal fee and £500 is the main barrier for a small first pot. |
| Offer | 8.8Account fee of £0, stock trade fee of £0 and a minimum deposit of £100. | 8.9Higher |
| Trust | 8.3 | 8.6Higher |
Side by side, item by item
| Markets | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| ETFs | Yes | Yes |
| Bonds | No | Yes |
| Funds | No | Yes |
| Account types | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Corporate | Yes | No |
| Lisa | No | Yes |
| Jisa | No | Yes |
Positions in our rankings
| Ranking | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Investing | 298 of 654 | 324 of 654 |
| Stock and ETF brokers | 217 of 358 | 236 of 358 |
| Stocks and shares ISAs | 15 of 25 | 18 of 25 |
| Pensions and SIPPs | 11 of 23 | 14 of 23 |
Choosing between them
Pick InvestEngine if cost and minimum deposit matter most.
Pick J.P. Morgan Personal Investing if trust and markets matter most.
Also worth a look
Hargreaves Lansdown has minimum deposit at £0, against £100 for InvestEngine and £500 for J.P. Morgan Personal Investing.
Hargreaves Lansdown reviewSources behind this comparison
InvestEngine
- investengine.com: 10 facts, checked September 26, 2026
- blog.investengine.com: 2 facts, checked September 26, 2026
- help.investengine.com: 1 fact, 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
Every fact side by side
| Fact | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Features | Fractional shares, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Beginners |
| Legal entity | InvestEngine (UK) Limited | J.P. Morgan Personal Investing Limited |
| Headquarters | United Kingdom | Not confirmed |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Help centreCovers more | Help centre |
Robo-advisors
| Fact | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Management fee | 0.25% | Not confirmed |
| Minimum investment | £1 | Not confirmed |
| Portfolio types | ETF | Not confirmed |
Where each stands against the rest
| Fact | InvestEngine | J.P. Morgan Personal Investing | Median |
|---|---|---|---|
| Minimum deposit | £100above the median | £500highest quarter | £15 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Interest on cash | 0%lowest quarter | Not confirmed | 2.875% |
Median across 44 listed providers.
Pros and cons
InvestEngine
Pros
- No account fee at £0 and no stock trade fee at £0
- Fractional shares and a mobile app let you invest small amounts regularly
- Choose from ISA, SIPP and corporate accounts
Cons
- A management fee of 0.25% still applies, unlike a free commission-free brokerage
- Markets are limited to ETFs, so individual shares are not an option
- Support runs on email and help centre only, with no phone line
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
InvestEngine
Who it suits
- Beginners who want to start small and add to the same pot each month
- Savers putting money into an ISA or SIPP for the long term
- Anyone who would rather hold a diversified basket than pick single shares
Who should look elsewhere
- Traders who want to buy and sell individual shares
- Anyone who wants to speak to support by phone, since support runs on email and help centre only
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 | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
InvestEngine
What does it cost to hold an InvestEngine account?+
The account fee is £0 and the stock trade fee is £0, so there is nothing charged for keeping the account open or for dealing. The one recurring cost is a management fee of 0.25% on the money you hold. Deposits and withdrawals are free.
What is the smallest amount I can invest?+
The minimum deposit is £100, and the smallest investment the platform advertises is £1. Fractional shares are supported, so you can hold a slice of a fund rather than a whole unit. That keeps the starting point low even though the opening deposit is set higher than at many rivals.
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
InvestEngine
J.P. Morgan Personal Investing