Updated September 28, 2026 · BrokerCue Editorial Team
AJ Bell vs justTRADE
What sets them apart
| Compare |  AJ Bell |  justTRADE |
|---|---|---|
| Stock trade fee | £5 | €0 |
| Markets | Stocks, ETFs, Bonds, Funds | Stocks, ETFs, Crypto |
| Regulators | Financial Conduct Authority (FCA) | Federal Financial Supervisory Authority (BaFin) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Minimum deposit | £25 | Not confirmed |
| Account fee | £3.50 | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
| Deposit and withdrawal fees | Free withdrawals | Not confirmed |
| Platforms | Web platform, Mobile app | Not confirmed |
| Account types | ISA, SIPP, Lisa, Jisa | Not confirmed |
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Key differences
- justTRADE scores higher overall: 8.9 vs 8.7.
- Regulators: only AJ Bell offers Financial Conduct Authority (FCA).
- Regulators: only justTRADE offers Federal Financial Supervisory Authority (BaFin).
- Markets: only AJ Bell offers Bonds, Funds.
- Markets: only justTRADE offers Crypto.
- Features: only justTRADE offers Crypto.
- Pricing model: only AJ Bell offers Low fees.
- Pricing model: only justTRADE offers Commission free.
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.
justTRADE
justTRADE suits euro zone investors who want to hold stocks, ETFs and crypto in one app without paying per trade. It scores 7.1 overall, with stock trade fees of €0 and a mobile app as the main draw, and it is regulated in its home market of DE.
Score breakdown
| Area | AJ Bell | justTRADE |
|---|---|---|
| Cost | 8.4A flat annual fee of £3.50 and £5 a dealing sit mid-table, while currency conversion costs 0.75%. | 9.4HigherStock trade fees are €0 on the commission-free model, first on stock trade fee among 161 brands. |
| Offer | 9.2Higher | 8.8 |
| Trust | 8.6 | 8.6 |
How they place
| Ranking | AJ Bell | justTRADE |
|---|---|---|
| Stock and ETF brokers | 193 of 471 | 163 of 471 |
Licences and countries
| Country | AJ Bell | justTRADE |
|---|---|---|
| Germany | Not confirmed | Federal Financial Supervisory Authority (BaFin) MiCA CASP 529900YERL5TV5YJCR45 |
| United Kingdom | Not confirmed |
Additional countries for AJ Bell: 1. Additional countries for justTRADE: 1.
Sources behind this comparison
AJ Bell
- ajbell.co.uk: 15 facts, checked September 26, 2026
justTRADE
- esma.europa.eu: 4 facts, checked September 26, 2026
- justtrade.com: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | AJ Bell | justTRADE |
|---|---|---|
| Features | Mobile app | Crypto, Mobile appCovers more |
| Pricing model | Low fees | Commission free |
| Legal entity | AJ Bell | JT Technologies GmbH |
| Headquarters | United Kingdom | Germany |
| Support channels | Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | AJ Bell | justTRADE | Median |
|---|---|---|---|
| Minimum deposit | £25above the median | Not confirmed | £20 |
| Account fee | £3.50above the median | Not confirmed | £0 |
| Currency conversion fee | 0.75%highest quarter | Not confirmed | 0.45% |
Median across 38 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.
justTRADE
Pros
- Stock trade fees of €0 on a commission-free pricing model
- Crypto sits alongside stocks and ETFs, so one account covers three asset classes
- Regulated by the Federal Financial Supervisory Authority (BaFin) in Germany
Cons
- Investor protection is EU ICS up to EUR 20,000, the EU scheme cap, so larger portfolios sit above it
- Forex, CFDs and bonds are not among its markets (stocks, etfs and crypto), which cover stocks, ETFs and crypto
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.
justTRADE
Who it suits
- Euro zone residents who want one app for stocks, ETFs and crypto
- Long term investors who pay nothing per trade and value regulated custody
- Beginners who want a simple mobile app rather than a wide dealing platform
Who should look elsewhere
- Investors who hold more than the EU investor compensation cap in cash
- Traders who need forex, CFDs, bonds or futures on the same account
- Anyone wanting a stocks and shares ISA or SIPP wrapper
Country by country
| Country | AJ Bell | justTRADE |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
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.
justTRADE
How much does it cost to buy a stock on justTRADE?+
Stock trade fees are €0 because the broker runs a commission-free model. The site median for stock trade fees is €0, and justTRADE sits first on that measure among the 161 brands compared.
Who regulates justTRADE and where?+
The broker is regulated by the Federal Financial Supervisory Authority (BaFin) in Germany, the country of its registered entity, JT Technologies GmbH. The crypto side runs under a MiCA CASP licence, reference MiCA CASP 529900YERL5TV5YJCR45. German supervision is the regulatory framework that applies to the account.
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