Updated September 28, 2026 · BrokerCue Editorial Team
Dodl vs Police Friendly
Dodl vs Police Friendly: the differences
| Compare |  Dodl |  Police Friendly |
|---|---|---|
| Minimum deposit | £25Lower | £50 |
| Markets | Stocks, ETFs, FundsCovers more | Stocks, Funds |
| Regulators | Financial Conduct Authority | Financial Conduct Authority / Prudential Regulation Authority |
| Deposit and withdrawal fees | free deposits and withdrawals | 25% government charge on non-qualifying withdrawals |
| Account types | ISA, SIPP, Lisa | ISA, Lisa, Jisa |
| Stock trade fee | £0 | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
| Platforms | Dodl app | Not confirmed |
| Interest on cash | 3.8% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
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Key differences
- Police Friendly scores higher overall: 9.0 vs 8.8.
- Regulators: only Dodl offers Financial Conduct Authority.
- Regulators: only Police Friendly offers Financial Conduct Authority / Prudential Regulation Authority.
- Minimum deposit is lower at Dodl: £25 vs £50.
- Markets: only Dodl offers ETFs.
- Account types: only Dodl offers SIPP.
- Account types: only Police Friendly offers Jisa.
- Support channels: only Dodl offers Chat, Help centre.
- Support channels: only Police Friendly offers Phone.
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.
Police Friendly
Police Friendly is a UK friendly society for long-term savers, not active traders, offering ISA, Lifetime ISA and Junior ISA accounts with a minimum deposit of £50. Regulated in the UK and backed by FSCS up to GBP 85,000, it fits households saving steadily for a home or a child's future.
Score breakdown
| Area | Dodl | Police Friendly |
|---|---|---|
| Cost | 8.9Higher | 8.6Low entry at £50 on isa, lisa and jisa accounts, offset by a charge on non-qualifying withdrawals. |
| Offer | 9.2HigherStock trade fee of £0 across isa, sipp and lisa, plus free deposits and withdrawals, undercuts priced platforms. | 9.1 |
| Trust | 8.6 | 9.2Higher |
Side by side, item by item
| Markets | Dodl | Police Friendly |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | No |
| Funds | Yes | Yes |
| Account types | Dodl | Police Friendly |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | No |
| Lisa | Yes | Yes |
| Jisa | No | Yes |
How they place
| Ranking | Dodl | Police Friendly |
|---|---|---|
| Stock and ETF brokers | 168 of 490 | 138 of 490 |
| Investment platforms and apps | 34 of 85 | 29 of 85 |
| Stocks and shares ISA providers | 8 of 21 | 5 of 21 |
| Lifetime ISA providers | 5 of 13 | 3 of 13 |
Every fact side by side
| Fact | Dodl | Police Friendly |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Pricing model | Commission free, Low fees | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | AJ Bell | Metropolitan Police Friendly Society Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 1893 |
| Support channels | Email, Chat, Help centre | Email, Phone |
Where each stands against the rest
| Fact | Dodl | Police Friendly | Median |
|---|---|---|---|
| Minimum deposit | £25at the median | £50above the median | £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
Police Friendly
Pros
- A minimum deposit of £50 makes the entry point manageable for steady savers.
- All three wrappers, isa, lisa and jisa, sit with one provider.
- Members are covered by FSCS up to GBP 85,000 if the firm fails.
Cons
- A government charge cuts non-qualifying withdrawals, which limits access before the account matures.
- The investment range is limited to stocks and funds, with no wider market for ISA money.
- The £50 minimum deposit runs ahead of CFI at $0 and Vantage at $5.
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
Police Friendly
Who it suits
- UK savers who want ISA, Lifetime ISA and Junior ISA accounts under one roof.
- Police service members and their families, drawn to a provider run as Metropolitan Police Friendly Society Limited.
- Long-term investors content with a stocks and funds range and no trading tools.
Who should look elsewhere
- Traders after a wide market range: eToro covers stocks, etfs and forex.
- Anyone starting with the smallest possible deposit: CFI takes $0 and Vantage $5.
- Shoppers who judge cost by the entry deposit alone, since £50 sits above CFI at $0.
Current offers
Police Friendly
Current offer
Bonus
Open a Lifetime ISA - Earn up to GBP50 in Gift Cards: Up to GBP50 gift card
Pay GBP100 or more per month, or GBP50+ with Escalator; GBP30-99 gets GBP25; quote AUTUMN26
Source, checked September 26, 2026
Country by country
| Country | Dodl | Police Friendly |
|---|---|---|
| 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.
Police Friendly
How much do I need to open an account?+
The minimum deposit is £50, which is more than some rivals ask at the start. CFI opens at $0 and Vantage at $5, so Police Friendly suits savers who can commit a modest sum each month rather than the smallest possible stake.
Is my money protected if the provider fails?+
Investors are covered by FSCS up to GBP 85,000 under the UK compensation scheme, and the firm is authorised under the reference 110026. The regulator named is Financial Conduct Authority / Prudential Regulation Authority, which supervises both conduct and prudential standards.