Updated September 28, 2026 · BrokerCue Editorial Team
Dodl vs J.P. Morgan Personal Investing
Where Dodl and J.P. Morgan Personal Investing differ
| Compare |  Dodl |  J.P. Morgan Personal Investing |
|---|---|---|
| Minimum deposit | £25Lower | £500 |
| Markets | Stocks, ETFs, Funds | ETFs, Funds, Bonds |
| Deposit and withdrawal fees | free deposits and withdrawals | No withdrawal fee |
| Platforms | Dodl app | Web, Mobile app |
| Account types | ISA, SIPP, Lisa | ISA, SIPP, Lisa, JisaCovers more |
| Stock trade fee | £0 | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
| Interest on cash | 3.8% | 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.
Key differences
- Dodl scores higher overall: 8.8 vs 8.6.
- Minimum deposit is lower at Dodl: £25 vs £500.
- Markets: only Dodl offers Stocks.
- Markets: only J.P. Morgan Personal Investing offers Bonds.
- Platforms: only Dodl offers Dodl app.
- Platforms: only J.P. Morgan Personal Investing offers Web, Mobile app.
- Account types: only J.P. Morgan Personal Investing offers Jisa.
- Support channels: only Dodl offers Email, Chat.
Our verdict on each
Dodl
Dodl is an AJ Bell app aimed at UK beginners who want to sidestep dealing costs entirely. Stock trades cost £0 and cash earns 3.8%, so the saving comes from the fee-free model rather than from a richer market list.
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 | Dodl | J.P. Morgan Personal Investing |
|---|---|---|
| Cost | 8.9Higher | 8.2Cost case is mixed: a £500 entry level well above €4.64 elsewhere, offset by no withdrawal fee on cash taken out. |
| Offer | 9.2HigherStock trade fee of £0 across isa, sipp and lisa, plus free deposits and withdrawals, undercuts priced platforms. | 9.0 |
| Trust | 8.6 | 8.6 |
Which one suits you
Pick Dodl if cost and minimum deposit matter most.
Pick J.P. Morgan Personal Investing if account types matter most.
Feature by feature
| Markets | Dodl | J.P. Morgan Personal Investing |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Bonds | No | Yes |
| Funds | Yes | Yes |
| Account types | Dodl | J.P. Morgan Personal Investing |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Lisa | Yes | Yes |
| Jisa | No | Yes |
What we checked
Dodl
- dodl.co.uk: 12 facts, checked September 26, 2026
- help.dodl.co.uk: 3 facts, 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
How they place
| Ranking | Dodl | J.P. Morgan Personal Investing |
|---|---|---|
| Stock and ETF brokers | 168 of 490 | 198 of 490 |
| Investment platforms and apps | 34 of 85 | 46 of 85 |
| Brokers for beginners | 47 of 88 | 61 of 88 |
| Stocks and shares ISA providers | 8 of 21 | 14 of 21 |
| SIPP providers | 7 of 22 | 13 of 22 |
| Lifetime ISA providers | 5 of 13 | 8 of 13 |
Every fact side by side
| Fact | Dodl | J.P. Morgan Personal Investing |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Commission free, Low fees | Not confirmed |
| Audience | Beginners | Beginners |
| Legal entity | AJ Bell | J.P. Morgan Personal Investing Limited |
| Support channels | Email, Chat, Help centreCovers more | Help centre |
Where each stands against the rest
| Fact | Dodl | J.P. Morgan Personal Investing | Median |
|---|---|---|---|
| Minimum deposit | £25at the median | £500highest quarter | £25 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Currency conversion fee | 0.75%highest quarter | Not confirmed | 0.4% |
| Interest on cash | 3.8%highest quarter | Not confirmed | 3% |
Median across 34 listed brokers.
Pros and cons
Dodl
Pros
- Stock trades cost £0, the lowest stock trade fee recorded in this comparison
- free deposits and withdrawals means moving money in and out adds nothing to a portfolio
- Cash held with the account earns interest of 3.8% while you save for a purchase
Cons
- Cash interest of 3.8% is a variable rate, so the return on uninvested money can move
- Dealing runs on Dodl app only, which suits casual investors less well than a desktop platform
- Support runs on email, chat and help centre only, so there is no phone line for urgent account problems
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
Dodl
Who it suits
- UK beginners opening a first stocks, ETFs and funds portfolio
- Investors who want dealing fees at £0 and want to keep cash earning 3.8%
- Savers setting aside money in an ISA, SIPP or LISA before investing
Who should look elsewhere
- Traders who need a desktop dealing platform, because dealing sits on Dodl app
- Anyone wanting phone support, since help runs on email, chat and help centre
- Investors who trade often in foreign currency, where 0.75% charges apply
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 | Dodl | J.P. Morgan Personal Investing |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Dodl
What does it cost to buy shares at Dodl?+
A stock trade costs £0, which is the figure that stands out on this platform. The pricing model is commission-free rather than low-fee, so dealing is designed to cost nothing. Money in and out is also free deposits and withdrawals, so a transfer adds nothing extra. The one charge to watch is 0.75% on currency conversion when you buy shares priced outside sterling.
Is my money protected at Dodl?+
Dodl is regulated by the Financial Conduct Authority, and eligible balances are covered by FSCS up to GBP 85,000. That protection is a stated limit on a claim to the firm, not a promise that investments cannot fall in value. The company operating the app is AJ Bell, so the account sits with an established UK provider rather than an offshore entity.
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.