Updated September 28, 2026 · BrokerCue Editorial Team
AJ Bell vs J.P. Morgan Personal Investing
AJ Bell vs J.P. Morgan Personal Investing: the differences
| Compare |  AJ Bell |  J.P. Morgan Personal Investing |
|---|---|---|
| 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 8.6.
- 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 pairs a flat £3.50 with FCA regulation and FSCS up to GBP 85,000 of cover, so it suits UK savers who want four wrapper types. Deals in shares cost £5 and currency conversion adds 0.75%, which leaves it short of the cheapest names on our data.
J.P. Morgan Personal Investing
J.P. Morgan Personal Investing suits UK beginners who want a tax wrapper, a regulated bank name and a straightforward app. The £500 minimum deposit is the trade-off, high enough to put the platform out of reach for small monthly savers.
Score breakdown
| Area | AJ Bell | J.P. Morgan Personal Investing |
|---|---|---|
| Cost | 8.4HigherA flat annual fee of £3.50 and £5 a dealing sit mid-table, while currency conversion costs 0.75%. | 8.2Cost case is mixed: a £500 entry level well above €4.64 elsewhere, offset by no withdrawal fee on cash taken out. |
| Offer | 9.2Higher | 9.0 |
| Trust | 8.6 | 8.6 |
How they place
| Ranking | AJ Bell | J.P. Morgan Personal Investing |
|---|---|---|
| Stock and ETF brokers | 185 of 490 | 198 of 490 |
| Investment platforms and apps | 40 of 85 | 46 of 85 |
| Stocks and shares ISA providers | 12 of 21 | 14 of 21 |
| SIPP providers | 11 of 22 | 13 of 22 |
| Lifetime ISA providers | 6 of 13 | 8 of 13 |
| Junior ISA providers | 8 of 14 | 10 of 14 |
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
Capital.com has minimum deposit at £20, against £25 for AJ Bell and £500 for J.P. Morgan Personal Investing.
Capital.com reviewEvery 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 | £25at the median | £500highest quarter | £25 |
| Stock trade fee | £5highest quarter | Not confirmed | £0 |
| Account fee | £3.50above the median | Not confirmed | £0 |
| Currency conversion fee | 0.75%highest quarter | Not confirmed | 0.4% |
Median across 25 listed brokers.
Pros and cons
AJ Bell
Pros
- Four account types in one place: isa, sipp and lisa.
- Regulated by the Financial Conduct Authority (FCA), with FSCS up to GBP 85,000 of cover on eligible money.
- A flat £3.50 annual charge against a market median of €0.
Cons
- Dealing shares costs £5, where eToro charges $0.
- The account fee places AJ Bell 111 of 138 brands on our data.
- Support runs on chat and help centre only, with no phone line listed.
J.P. Morgan Personal Investing
Pros
- Regulated by the Financial Conduct Authority, with FSCS up to GBP 85,000 on eligible holdings.
- A focused range of etfs, funds and bonds that suits steady, fund based portfolios.
- Web and app access through Web and Mobile app, with a mobile app as a listed feature.
Cons
- The £500 minimum deposit is well above €4.64 across the brands compared here, which puts it out of reach for small monthly savers.
- Help runs through help centre only, so there is no phone line and no live chat listed.
- Trading is limited to etfs, funds and bonds, so anyone wanting to pick individual shares or reach other asset classes should look elsewhere.
Who each suits
AJ Bell
Who it suits
- You want an FCA-regulated broker with FSCS up to GBP 85,000 behind the account and do not need the lowest dealing cost.
- Your saving changes shape over time and you want ISA, SIPP, LISA and Junior ISA under one roof, since isa, sipp and lisa all sit here.
- You are a regular UK investor who prefers a flat £3.50 to a percentage-based platform charge.
Who should look elsewhere
- You trade very often, because eToro charges $0 on stock deals against £5 here.
- You are starting with almost nothing, since Vantage takes $5 and CFI takes $0 against the £25 asked for here.
- You want phone support, as AJ Bell lists chat and help centre and nothing wider.
J.P. Morgan Personal Investing
Who it suits
- UK beginners building a first portfolio inside a tax wrapper.
- Parents saving in a Junior ISA, which sits in the listed isa, sipp and lisa range.
- People who put weight on a regulated bank name and FSCS up to GBP 85,000 rather than headline pricing.
Who should look elsewhere
- Traders after forex, CFDs or crypto, none of which appear in etfs, funds and bonds; eToro and Vantage cover those markets.
- Small monthly savers after a lower entry level: CFI starts from $0 and Vantage from $5, against £500 here.
- Anyone who needs to speak to someone, since support runs through help centre only.
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 AJ Bell charge to hold an account?+
The account fee is a flat £3.50 a year. That sits above the market median of €0 and well below the €219.24 at the expensive end of our data, so it is a mid-range holding cost rather than a free account.
How much does it cost to buy shares?+
A dealing in shares costs £5. The market median is €0 and the highest figure on our data is €17.54, so frequent dealing adds up quickly and investors who trade rarely feel it least.
J.P. Morgan Personal Investing
What is the minimum I need to open an account?+
The minimum deposit is £500, and there is no withdrawal fee when money comes back out. That entry level is high for a first account, so it suits savers who can fund it in a lump rather than adding small amounts each month.
Is my money protected if the firm fails?+
Accounts are held with J.P. Morgan Personal Investing Limited, which is regulated by the Financial Conduct Authority. Eligible investments sit under FSCS up to GBP 85,000, so a qualifying claim is met by the protection scheme rather than from the firm's own assets.