Updated September 28, 2026 · BrokerCue Editorial Team
J.P. Morgan Personal Investing vs Police Friendly
What sets them apart
| Compare |  J.P. Morgan Personal Investing |  Police Friendly |
|---|---|---|
| Minimum deposit | £500 | £50Lower |
| Markets | ETFs, Funds, Bonds | Stocks, Funds |
| Regulators | Financial Conduct Authority | Financial Conduct Authority / Prudential Regulation Authority |
| Deposit and withdrawal fees | No withdrawal fee | 25% government charge on non-qualifying withdrawals |
| Account types | ISA, SIPP, Lisa, JisaCovers more | ISA, Lisa, Jisa |
| Platforms | Web, Mobile app | 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 8.6.
- Regulators: only J.P. Morgan Personal Investing offers Financial Conduct Authority.
- Regulators: only Police Friendly offers Financial Conduct Authority / Prudential Regulation Authority.
- Minimum deposit is lower at Police Friendly: £50 vs £500.
- Markets: only J.P. Morgan Personal Investing offers ETFs, Bonds.
- Markets: only Police Friendly offers Stocks.
- Account types: only J.P. Morgan Personal Investing offers SIPP.
- Support channels: only J.P. Morgan Personal Investing offers Help centre.
- Support channels: only Police Friendly offers Email, Phone.
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.
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 | J.P. Morgan Personal Investing | Police Friendly |
|---|---|---|
| Cost | 8.2Cost case is mixed: a £500 entry level well above €4.64 elsewhere, offset by no withdrawal fee on cash taken out. | 8.6HigherLow entry at £50 on isa, lisa and jisa accounts, offset by a charge on non-qualifying withdrawals. |
| Offer | 9.0 | 9.1Higher |
| Trust | 8.6 | 9.2Higher |
Feature by feature
| Markets | J.P. Morgan Personal Investing | Police Friendly |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | No |
| Bonds | Yes | No |
| Funds | Yes | Yes |
| Account types | J.P. Morgan Personal Investing | Police Friendly |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | No |
| Lisa | Yes | Yes |
| Jisa | Yes | Yes |
Which one suits you
Pick J.P. Morgan Personal Investing if account types matter most.
Pick Police Friendly if cost, trust, and minimum deposit matter most.
How they place
| Ranking | J.P. Morgan Personal Investing | Police Friendly |
|---|---|---|
| Stock and ETF brokers | 198 of 490 | 138 of 490 |
| Investment platforms and apps | 46 of 85 | 29 of 85 |
| Stocks and shares ISA providers | 14 of 21 | 5 of 21 |
| Lifetime ISA providers | 8 of 13 | 3 of 13 |
| Junior ISA providers | 10 of 14 | 4 of 14 |
Every fact side by side
| Fact | J.P. Morgan Personal Investing | Police Friendly |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | J.P. Morgan Personal Investing Limited | Metropolitan Police Friendly Society Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 1893 |
| Support channels | Help centre | Email, Phone |
Where each stands against the rest
| Fact | J.P. Morgan Personal Investing | Police Friendly | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £50above the median | £25 |
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.
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
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.
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
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
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 | J.P. Morgan Personal Investing | Police Friendly |
|---|---|---|
| United Kingdom | Yes | Yes |
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.
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.