Updated October 21, 2026 · SumCue Editorial Team
J.P. Morgan Personal Investing vs Plum
J.P. Morgan Personal Investing
Plum
Higher score in this comparison
What sets them apart
| Compare | J.P. Morgan Personal InvestingReviewSee alternativesSee alternatives | PlumReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £500 | £2Lower |
| Markets | ETFs, Funds, Bonds | Stocks, ETFs, Funds |
| Platforms | Web, Mobile appCovers more | Mobile app |
| Account types | ISA, SIPP, Lisa, JisaCovers more | ISA, SIPP, Lisa |
| Stock trade fee | Not confirmed | £0 |
| Account fee | Not confirmed | £0 |
| Deposit and withdrawal fees | No withdrawal fee | Not confirmed |
Same on both: Regulators (Financial Conduct Authority), 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
- Plum scores higher overall: 8.9 vs 8.5.
- Minimum deposit is lower at Plum: £2 vs £500.
- Markets: only J.P. Morgan Personal Investing offers Bonds.
- Markets: only Plum offers Stocks.
- Platforms: only J.P. Morgan Personal Investing offers Web.
- Account types: only J.P. Morgan Personal Investing offers Jisa.
- Support channels: only Plum offers Email.
- Features: only Plum offers Fractional shares.
Our verdict on each
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.
Plum
Plum suits beginners in the UK who want to start small and pay nothing to deal, with a minimum deposit of £2. The trade-off is a short market list, confined to stocks, etfs and funds, and an overall score of 6.5 that leaves the case resting on price rather than choice.
Score breakdown
| Area | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Cost | 8.2Costs are light after entry: No withdrawal fee and £500 is the main barrier for a small first pot. | 9.3HigherCosts are the strongest suit: account fee £0, stock trade fee £0, management fee 0.15% to 0.6%. |
| Offer | 8.9 | 8.9 |
| Trust | 8.6Higher | 8.5 |
Which one suits you
Pick J.P. Morgan Personal Investing if platforms and account types matter most.
Pick Plum if cost and minimum deposit matter most.
Side by side, item by item
| Markets | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Bonds | Yes | No |
| Funds | Yes | Yes |
| Account types | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Lisa | Yes | Yes |
| Jisa | Yes | No |
How they place
| Ranking | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Investing | 324 of 654 | 243 of 654 |
| Stock and ETF brokers | 236 of 358 | 176 of 358 |
| Stocks and shares ISAs | 18 of 25 | 9 of 25 |
| Pensions and SIPPs | 14 of 23 | 6 of 23 |
Every fact side by side
| Fact | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Features | Mobile app | Fractional shares, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Beginners |
| Legal entity | J.P. Morgan Personal Investing Limited | Plum Fintech Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre | Email, Help centreCovers more |
Savings
| Fact | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Headline rate | Not confirmed | 3.05% to 3.65% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Same day access, no lock-in, no notice period |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Robo-advisors
| Fact | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Management fee | Not confirmed | 0.15% to 0.6% |
| Minimum investment | Not confirmed | £1 |
| Portfolio types | Not confirmed | ETF, Cash |
Where each stands against the rest
| Fact | J.P. Morgan Personal Investing | Plum | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £2below the median | £15 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Account fee | Not confirmed | £0at the median | £0 |
Median across 24 listed providers.
Pros and cons
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.
Plum
Pros
- Fractional shares are offered, so £2 is enough to hold a slice of a company rather than whole shares.
- Eligible money is covered by the protection scheme, with the ceiling given as FSCS up to GBP 85,000.
- The account types cover isa, sipp and lisa, so investing, retirement saving and a home deposit pot sit with the same provider.
Cons
- Markets stop at stocks, etfs and funds, so there is no dealing in listed bonds, overseas currency or crypto through the account.
- Help runs on email and help centre only, so a stuck withdrawal or transfer has no phone route.
- Managed portfolios charge 0.15% to 0.6%, which takes a slice from every pot you hand over.
Who each suits
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.
Plum
Who it suits
- Beginners in the UK who want to begin with £2 and see share dealing in plain terms.
- Investors building an ISA or pension habit on a phone, since access runs through Mobile app.
- Anyone happy with a market list of stocks, etfs and funds for a starter portfolio.
Who should look elsewhere
- eToro is the place to check if the market list here, stocks, etfs and funds, is too tight for what you want to trade.
- bunq if you are starting from a €10 minimum rather than buying shares.
- cfi if you want no minimum deposit, since its floor is $0 against £2 here.
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 | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
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.
Plum
What does it cost to trade and hold with Plum?+
Dealing is commission-free and the stock trade fee is listed as £0. The account fee is £0 and the monthly subscription is £0, so holding an account costs nothing. Managed portfolios are the exception, charging 0.15% to 0.6% on the money you put into them. That covers the charging picture on the investment side.
Is my money protected if something goes wrong?+
Eligible investments sit under the protection scheme, and the stated ceiling is given as FSCS up to GBP 85,000. Cash held in the app is listed the same way under FSCS up to GBP 85,000. The figure is a limit rather than a promise of returns, and it applies to eligible money rather than to every balance on the account. Read the terms for the eligibility conditions before you rely on it.
Other options to compare
Other matchups
J.P. Morgan Personal Investing
Plum