Updated September 28, 2026 · BrokerCue Editorial Team
J.P. Morgan Personal Investing vs Plum
J.P. Morgan Personal Investing vs Plum: the differences
| Compare |  J.P. Morgan Personal Investing |  Plum |
|---|---|---|
| Minimum deposit | £500 | £2Lower |
| Markets | ETFs, Funds, Bonds | Stocks, ETFs, Funds |
| Platforms | Web, Mobile appCovers more | Mobile app |
| Account types | ISA, SIPP, Lisa, JisaCovers more | ISA, SIPP, Lisa |
| Stock trade fee | Not confirmed | £0 |
| Account fee | Not confirmed | £0 |
| Deposit and withdrawal fees | No withdrawal fee | Not confirmed |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Plum scores higher overall: 8.9 vs 8.6.
- Minimum deposit is lower at Plum: £2 vs £500.
- Markets: only J.P. Morgan Personal Investing offers Bonds.
- Markets: only Plum offers Stocks.
- Platforms: only J.P. Morgan Personal Investing offers Web.
- Account types: only J.P. Morgan Personal Investing offers Jisa.
- Support channels: only Plum offers Email.
- Features: only Plum offers Fractional shares.
Our verdict on each
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.
Plum
Plum is a UK app aimed at beginners who want to start small and pay nothing to hold or trade. Stocks, ETFs and funds sit behind fractional shares, the account fee is £0 and the minimum deposit is £2, so small amounts can be put to work in a SIPP, ISA or LISA.
Score breakdown
| Area | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Cost | 8.2Cost case is mixed: a £500 entry level well above €4.64 elsewhere, offset by no withdrawal fee on cash taken out. | 9.3HigherStock dealing is £0, the account fee is £0 and management fees run 0.15% to 0.6% on portfolios. |
| Offer | 9.0Higher | 8.9 |
| Trust | 8.6Higher | 8.5 |
How they place
| Ranking | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Stock and ETF brokers | 198 of 490 | 160 of 490 |
| Investment platforms and apps | 46 of 85 | 33 of 85 |
| Brokers for beginners | 61 of 88 | 43 of 88 |
| Stocks and shares ISA providers | 14 of 21 | 7 of 21 |
| SIPP providers | 13 of 22 | 6 of 22 |
| Lifetime ISA providers | 8 of 13 | 4 of 13 |
Where these facts come from
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
Plum
- withplum.com: 10 facts, checked September 26, 2026
- finextra.com: 3 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Features | Mobile app | Fractional shares, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Beginners |
| Legal entity | J.P. Morgan Personal Investing Limited | Plum Fintech Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre | Email, Help centreCovers more |
Robo-advisors
| Fact | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| Management fee | Not confirmed | 0.15% to 0.6% |
| Minimum investment | Not confirmed | £1 |
| Portfolio types | Not confirmed | ETF, Cash |
Where each stands against the rest
| Fact | J.P. Morgan Personal Investing | Plum | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £2below the median | £25 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Account fee | Not confirmed | £0at the median | £0 |
Median across 16 listed brokers.
Pros and cons
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.
Plum
Pros
- Stock trades cost £0 and the account fee is £0, so holding and dealing carry no charge.
- The account opens from £2 and the smallest investment is £1, which suits small regular amounts.
- Fractional shares on a Mobile app let a small sum hold part of a share rather than a whole one.
Cons
- Support runs on email and help centre only, so an urgent question waits for a written answer.
- The market list is stocks, etfs and funds and portfolio types run to etf and cash, so the account is narrow beside a full trading platform.
- The minimum deposit of £2 ranks 89 of 213, and CFI lists a minimum deposit of $0.
Who each suits
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.
Plum
Who it suits
- Beginners who want a SIPP, ISA or LISA going from a first deposit of £2.
- Investors who want to pick their own shares and are content with portfolio types of etf and cash.
- Readers who care most about the cost of a trade, since dealing is £0 and the account fee is £0.
Who should look elsewhere
- Anyone wanting a lower floor than the £2 minimum, since CFI lists a minimum deposit of $0.
- Readers comparing purely on dealing costs, since eToro also charges $0 for a stock trade.
- People who want to fund from a higher starting amount: Vantage lists a minimum deposit of $5.
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 | J.P. Morgan Personal Investing | Plum |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
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.
Plum
How much does it cost to use Plum?+
Stock trades cost £0 and the account fee is £0, so there is no dealing charge and no annual subscription to pay. The cost that can appear is the management fee of 0.15% to 0.6% on portfolios, which applies to the managed side rather than to every account. On the cost of holding and dealing, Plum sits at the cheap end of the field.
Is Plum regulated, and is my money protected?+
Plum is regulated by the Financial Conduct Authority, and the account is held with Plum Fintech Limited. The stated investor protection is FSCS up to GBP 85,000, which is the compensation available if the firm cannot pay a valid claim. That is the standard UK arrangement for a firm holding investments, and it is the part to check before depositing.