Updated September 28, 2026 · BrokerCue Editorial Team
Fennel vs JPMorgan Chase
Where Fennel and JPMorgan Chase differ
| Compare |  Fennel |  JPMorgan Chase |
|---|---|---|
| Account fee | $4.99 | $0Lower |
| Markets | Stocks, ETFs | Stocks, ETFs, Options, Bonds, Funds, CryptoCovers more |
| Platforms | Mobile app, Web | Chase Mobile app, Chase.com |
| Account types | IRA | IRA, Roth IRA, JointCovers more |
| Margin rate | Not confirmed | 12.25% |
| Options contract fee | Not confirmed | $0.65 |
| Deposit and withdrawal fees | Not confirmed | $25 wire fee |
Same on both: Minimum deposit ($0), Stock trade fee ($0), Regulators (FINRA, SIPC), Investor protection (SIPC up to USD 500,000).
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Key differences
- JPMorgan Chase scores higher overall: 9.3 vs 9.2.
- Account fee is lower at JPMorgan Chase: $0 vs $4.99.
- Markets: only JPMorgan Chase offers Options, Bonds, Funds.
- Platforms: only Fennel offers Mobile app, Web.
- Platforms: only JPMorgan Chase offers Chase Mobile app, Chase.com.
- Account types: only JPMorgan Chase offers Roth IRA, Joint.
- Support channels: only Fennel offers Email.
- Features: only JPMorgan Chase offers Fractional shares, Options, Crypto.
Our verdict on each
Fennel
Fennel is a US retirement app built around an IRA, with stock trades at $0. It suits US investors saving for retirement from a phone, and not UK or European readers who want local markets or a cash savings option.
JPMorgan Chase
JPMorgan Chase takes a stock trade fee of $0 and an account fee of $0, and the account is a retirement wrapper rather than a trading-only platform. It suits beginners and existing Chase customers who want low costs, though the portfolio service needs $25,000 and support runs on phone and help centre only.
Score breakdown
| Area | Fennel | JPMorgan Chase |
|---|---|---|
| Cost | 9.1HigherCommission-free commission free trading and a $0 minimum deposit, against an account fee of $4.99 that is above the site median of €0. | 9.0 |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.5 | 9.5 |
What each covers
| Markets | Fennel | JPMorgan Chase |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | Yes |
| Crypto | No | Yes |
| Bonds | No | Yes |
| Funds | No | Yes |
| Account types | Fennel | JPMorgan Chase |
|---|---|---|
| IRA | Yes | Yes |
| Roth IRA | No | Yes |
| Joint | No | Yes |
Positions in our rankings
| Ranking | Fennel | JPMorgan Chase |
|---|---|---|
| Stock and ETF brokers | 88 of 490 | 64 of 490 |
| Investment platforms and apps | 19 of 85 | 15 of 85 |
| IRA providers | 14 of 43 | 12 of 43 |
Where each is licensed and available
| Country | Fennel | JPMorgan Chase |
|---|---|---|
| United States | SIPC SIPC member 70779 | Not confirmed |
Every fact side by side
| Fact | Fennel | JPMorgan Chase |
|---|---|---|
| Features | Mobile app | Fractional shares, Options, Mobile app, CryptoCovers more |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | FENNEL FINANCIALS LLC | JPMorgan Chase Bank, N.A. |
| Headquarters | United States | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Phone, Help centre |
Robo-advisors
| Fact | Fennel | JPMorgan Chase |
|---|---|---|
| Minimum investment | Not confirmed | $25,000 |
| Portfolio types | Not confirmed | ETF, Crypto |
Where each stands against the rest
| Fact | Fennel | JPMorgan Chase | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | $0below the median | $10 |
| Stock trade fee | $0at the median | $0at the median | $0 |
| Account fee | $4.99above the median | $0at the median | $0 |
| Margin rate | Not confirmed | 12.25%highest quarter | 8.79% |
| Options contract fee | Not confirmed | $0.65above the median | $0.59 |
Median across 99 listed brokers.
Pros and cons
Fennel
Pros
- Stock trades cost $0, so entry costs sit at the floor of the market.
- A minimum deposit of $0 lets an account start from a small sum.
- Regulators listed are FINRA and SIPC, with investor protection at SIPC up to USD 500,000.
Cons
- The account types listed are ira, so there is no taxable brokerage account on offer.
- Markets stop at stocks and etfs, where CFI lists stocks, etfs and forex.
- There is no live chat, since support runs on email, phone and help centre.
JPMorgan Chase
Pros
- Stock trades cost $0 and the account fee is $0, with a minimum deposit of $0.
- Investor protection stands at SIPC up to USD 500,000.
- The account list covers ira, roth ira and joint, so retirement and joint investors are served directly.
Cons
- Support runs on phone and help centre only, with no chat or email channel listed.
- Money moving out by wire costs $25 wire fee.
- An options contract costs $0.65 and margin borrowing is charged at 12.25%, so the commission free model covers share trades rather than every action.
Who each suits
Fennel
Who it suits
- US investors opening or holding an IRA, since the account types are ira.
- Investors trading shares and exchange traded funds from a phone, since the platforms are mobile app and web.
- Readers starting with a small amount, since the minimum deposit is $0.
Who should look elsewhere
- Not for CFI users who want forex, contracts for difference or crypto, since CFI lists stocks, etfs and forex.
- Not for readers who would rather hold no account fee, as the eToro account fee is $0 against Fennel's $4.99.
- Not for Vantage users who want a stated starting level, since Vantage asks for $5 and Fennel asks for $0.
JPMorgan Chase
Who it suits
- People new to investing: the stated audience is beginners.
- Retirement and joint investors, since the account types cover ira, roth ira and joint.
- Investors who want options and crypto in one account, since the feature set includes fractional shares, options and mobile app.
Who should look elsewhere
- Forex and CFD traders: CFI (stocks, etfs and forex) and eToro (stocks, etfs and forex) list markets that the JPMorgan Chase list of stocks, etfs and options does not.
- Futures traders: eToro lists stocks, etfs and forex, so a broader instrument set sits in a single account.
- Anyone starting a managed portfolio with a small sum: Vantage takes $5, while the JPMorgan Chase portfolio account asks $25,000.
Current offers
JPMorgan Chase
Current offer
Bonus
Earn up to $1,000 cash bonus: up to $1,000
Open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money by 10/21/2026; fund within 45 days, maintain to 90 days
Source, checked September 26, 2026
Country by country
| Country | Fennel | JPMorgan Chase |
|---|---|---|
| United States | Yes | No |
Questions about each
Fennel
What does Fennel charge for trading and holding?+
Stock trades cost $0 and the pricing model is commission free. The account fee is $4.99, above the site median of €0, and the minimum deposit is $0. Trading costs therefore sit at the floor of the market while the account charge is higher than most brands listed here.
Is my money protected at Fennel?+
Regulators listed for Fennel are FINRA and SIPC, and the membership record shows SIPC member 70779. Investor protection is stated as SIPC up to USD 500,000. The legal entity behind the brand is FENNEL FINANCIALS LLC, and the headquarters country is the US.
JPMorgan Chase
How much does it cost to trade stocks?+
Stock trades cost $0 and the account fee is $0, with a minimum deposit of $0, so a simple buy and hold account starts with no charge on either side. The pricing model is listed as commission free, and nothing per trade is added on top.
What do options and margin cost?+
An options contract costs $0.65, and borrowing on margin is charged at 12.25%. Those are the places a fee appears, which makes share and fund orders the cheapest actions in the account. Anyone trading options or using margin should read both figures before committing money.