Updated September 28, 2026 · BrokerCue Editorial Team
InvestEngine vs J.P. Morgan Personal Investing
What sets them apart
| Compare |  InvestEngine |  J.P. Morgan Personal Investing |
|---|---|---|
| Minimum deposit | £100Lower | £500 |
| Markets | ETFs | ETFs, Funds, BondsCovers more |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Deposit and withdrawal fees | Free | No withdrawal fee |
| Platforms | Web, iOS, Android | Web, Mobile app |
| Account types | ISA, SIPP, Corporate | ISA, SIPP, Lisa, Jisa |
| Stock trade fee | £0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Interest on cash | 0% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
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Key differences
- InvestEngine scores higher overall: 8.7 vs 8.6.
- Regulators: only InvestEngine offers Financial Conduct Authority (FCA).
- Regulators: only J.P. Morgan Personal Investing offers Financial Conduct Authority.
- Minimum deposit is lower at InvestEngine: £100 vs £500.
- Markets: only J.P. Morgan Personal Investing offers Funds, Bonds.
- Platforms: only InvestEngine offers iOS, Android.
- Platforms: only J.P. Morgan Personal Investing offers Mobile app.
- Account types: only InvestEngine offers Corporate.
- Account types: only J.P. Morgan Personal Investing offers Lisa, Jisa.
- Support channels: only InvestEngine offers Email.
Our verdict on each
InvestEngine
InvestEngine suits beginners who want their money spread across ETFs without picking shares themselves. Costs stay thin: an account fee of £0, a stock trade fee of £0 and a single portfolio management charge of 0.25%, with deposits and withdrawals free.
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 | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Cost | 9.0Higher | 8.2Cost case is mixed: a £500 entry level well above €4.64 elsewhere, offset by no withdrawal fee on cash taken out. |
| Offer | 8.8The isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. | 9.0Higher |
| Trust | 8.4 | 8.6Higher |
Side by side, item by item
| Markets | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| ETFs | Yes | Yes |
| Bonds | No | Yes |
| Funds | No | Yes |
| Account types | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Corporate | Yes | No |
| Lisa | No | Yes |
| Jisa | No | Yes |
Choosing between them
Pick InvestEngine if cost and minimum deposit matter most.
Pick J.P. Morgan Personal Investing if markets matter most.
Positions in our rankings
| Ranking | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Stock and ETF brokers | 187 of 490 | 198 of 490 |
| Investment platforms and apps | 41 of 85 | 46 of 85 |
| Brokers for beginners | 57 of 88 | 61 of 88 |
| Stocks and shares ISA providers | 13 of 21 | 14 of 21 |
| SIPP providers | 12 of 22 | 13 of 22 |
Where these facts come from
InvestEngine
- investengine.com: 10 facts, checked September 26, 2026
- blog.investengine.com: 2 facts, checked September 26, 2026
- help.investengine.com: 1 fact, 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
Every fact side by side
| Fact | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Features | Fractional shares, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Beginners |
| Legal entity | InvestEngine (UK) Limited | J.P. Morgan Personal Investing Limited |
| Headquarters | United Kingdom | Not confirmed |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Help centreCovers more | Help centre |
Robo-advisors
| Fact | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| Management fee | 0.25% | Not confirmed |
| Minimum investment | £1 | Not confirmed |
| Portfolio types | ETF | Not confirmed |
Where each stands against the rest
| Fact | InvestEngine | J.P. Morgan Personal Investing | Median |
|---|---|---|---|
| Minimum deposit | £100above the median | £500highest quarter | £25 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Interest on cash | 0%lowest quarter | Not confirmed | 3% |
Median across 34 listed brokers.
Pros and cons
InvestEngine
Pros
- An account fee of £0 and a stock trade fee of £0 leave almost nothing to pay for holding or trading.
- Investor protection is FSCS up to GBP 85,000, with the platform regulated by the Financial Conduct Authority.
- The platform list covers Web, iOS and Android, and fractional shares make small regular buys work.
Cons
- Shares are not among its markets (etfs), so the range stays on funds rather than a general dealing list.
- Support runs on email and help centre, with no phone number for urgent account questions.
- Cash waiting to be invested earns 0%.
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
InvestEngine
Who it suits
- Beginners who want a curated portfolio and can start from a minimum investment of £1.
- ISA and SIPP holders in the UK who would rather not pay an account fee.
- Investors who only need help by email and are happy to stay inside a single asset class.
Who should look elsewhere
- CFI, for anyone who wants to open with a minimum deposit of $0 rather than £100.
- Vantage, for anyone who wants a smaller entry point, since its minimum deposit is $5.
- eToro, for traders who want share dealing, because shares are not among its markets (etfs).
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 | InvestEngine | J.P. Morgan Personal Investing |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
InvestEngine
What does it cost to hold an InvestEngine account?+
The account fee is £0 and a stock trade costs £0, so buying and holding leaves most of the pot intact. The only ongoing charge is the portfolio management fee of 0.25%, which is taken on the portfolio rather than per trade. Cash left uninvested earns 0%.
Is my money protected if the platform fails?+
The Financial Conduct Authority is the regulator named on the licence, and the platform states investor protection of FSCS up to GBP 85,000. The account is run by InvestEngine (UK) Limited, a UK company, so UK rules and the protection scheme both apply to the account.
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.