Updated October 14, 2026 · SumCue Editorial Team
J.P. Morgan Personal Investing vs Wealthify
J.P. Morgan Personal Investing
Wealthify
Higher score in this comparison
Where J.P. Morgan Personal Investing and Wealthify differ
| Compare | J.P. Morgan Personal InvestingReviewSee alternativesSee alternatives | WealthifyReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £500Lower | £1,000 |
| Markets | ETFs, Funds, Bonds | Stocks, ETFs, Bonds, FundsCovers more |
| Deposit and withdrawal fees | No withdrawal fee | No fees for deposits, withdrawals or transfers |
| Platforms | Web, Mobile app | Web, iOS app, Android app |
| Account types | ISA, SIPP, Lisa, JisaCovers more | ISA, SIPP |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Wealthify scores higher overall: 8.7 vs 8.5.
- Minimum deposit is lower at J.P. Morgan Personal Investing: £500 vs £1,000.
- Markets: only Wealthify offers Stocks.
- Platforms: only J.P. Morgan Personal Investing offers Mobile app.
- Platforms: only Wealthify offers iOS app, Android app.
- Account types: only J.P. Morgan Personal Investing offers Lisa, Jisa.
- Support channels: only Wealthify offers Email, Chat, Phone.
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.
Wealthify
Wealthify is a straightforward robo-advisor for beginners who want a pension or ISA built for them and left alone. Cost is the weak point: a £1,000 deposit and a £1,000 to £5,000 minimum investment leave it at 68 of 82 on our data.
Score breakdown
| Area | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| Cost | 8.2Costs are light after entry: No withdrawal fee and £500 is the main barrier for a small first pot. | 8.5Higher |
| Offer | 8.9 | 9.2Higher |
| Trust | 8.6Higher | 8.5 |
Where they rank in our lists
| Ranking | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| Investing | 324 of 654 | 306 of 654 |
| Stock and ETF brokers | 236 of 358 | 222 of 358 |
| Stocks and shares ISAs | 18 of 25 | 16 of 25 |
| Pensions and SIPPs | 14 of 23 | 12 of 23 |
Availability and regulation
| Country | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| United Kingdom | Financial Conduct Authority 552016 | Not confirmed |
Available in 1 country for both.
Also worth a look
Hargreaves Lansdown has minimum deposit at £0, against £500 for J.P. Morgan Personal Investing and £1,000 for Wealthify.
Hargreaves Lansdown reviewWhere these facts come from
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
Wealthify
- wealthify.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Not confirmed | Low fees |
| Audience | Beginners | Beginners |
| Legal entity | J.P. Morgan Personal Investing Limited | Wealthify Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | J.P. Morgan Personal Investing | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £1,000highest quarter | £15 |
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.
Wealthify
Pros
- Deposits, withdrawals and transfers are free of charge, so moving money in and out adds nothing to the cost of holding a portfolio.
- Support runs on email, chat and phone, so help is available by phone and chat as well as in writing.
- The account range covers an ISA and a SIPP: isa and sipp, the two wrappers most UK first time savers open first.
Cons
- The 0.6% management fee is above the 0% listed for eToro and the 0% listed for Empower Personal Dashboard.
- A £1,000 deposit and a £1,000 to £5,000 minimum investment put the starting point far above the $100 at Axos Invest.
- Account choice is narrow: isa and sipp is the full list, so there is no general investment account for money held outside a tax wrapper.
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.
Wealthify
Who it suits
- Beginners who want the picking done for them: the stated audience is beginners.
- Savers putting money into an ISA or a pension: isa and sipp.
- People who want help by phone rather than by message alone: email, chat and phone.
Who should look elsewhere
- Anyone starting with a small sum, because the £1,000 to £5,000 minimum investment is far above the $100 at Axos Invest.
- Readers who weigh only ongoing cost, since 0.6% is above the 0% at eToro and the 0% at Empower Personal Dashboard.
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 | Wealthify |
|---|---|---|
| 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.
Wealthify
What does it cost to run an account with Wealthify?+
The headline cost is a management fee of 0.6% on the value of the portfolio you hold. Money movement is free: there is no charge for deposits, withdrawals or transfers, so adding or taking out money does not add a provider bill. The management fee is therefore the only line worth tracking.
How much do I need to put in to start?+
You need a deposit of £1,000 to get going, and the investment itself is £1,000 to £5,000. That range matters for anyone testing the water, since the lower end decides what the management fee works out at in cash terms. Both figures are in pounds, so the arithmetic stays in sterling.
Other options to compare
Other matchups
J.P. Morgan Personal Investing
Wealthify