Updated September 28, 2026 · BrokerCue Editorial Team
J.P. Morgan Personal Investing vs Wealthify
J.P. Morgan Personal Investing vs Wealthify: the differences
| Compare |  J.P. Morgan Personal Investing |  Wealthify |
|---|---|---|
| Minimum deposit | £500Lower | £1,000 |
| Markets | ETFs, Funds, Bonds | Stocks, ETFs, Bonds, FundsCovers more |
| Deposit and withdrawal fees | No withdrawal fee | No fees for deposits, withdrawals or transfers |
| Platforms | Web, Mobile app | Web, iOS app, Android app |
| Account types | ISA, SIPP, Lisa, JisaCovers more | ISA, SIPP |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Wealthify scores higher overall: 8.8 vs 8.6.
- Minimum deposit is lower at J.P. Morgan Personal Investing: £500 vs £1,000.
- Markets: only Wealthify offers Stocks.
- Platforms: only J.P. Morgan Personal Investing offers Mobile app.
- Platforms: only Wealthify offers iOS app, Android app.
- Account types: only J.P. Morgan Personal Investing offers Lisa, Jisa.
- Support channels: only Wealthify offers Email, Chat, 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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| Cost | 8.2Cost case is mixed: a £500 entry level well above €4.64 elsewhere, offset by no withdrawal fee on cash taken out. | 8.5HigherManagement fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 9.0 | 9.4Higher |
| Trust | 8.6 | 8.7Higher |
Which one suits you
Pick J.P. Morgan Personal Investing if minimum deposit and account types matter most.
Pick Wealthify if cost, offer, and markets matter most.
Where each is licensed and available
| Country | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| United Kingdom | Financial Conduct Authority 552016 | Not confirmed |
Feature by feature
| Markets | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Bonds | Yes | Yes |
| Funds | Yes | Yes |
| Account types | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Lisa | Yes | No |
| Jisa | Yes | No |
If neither fits
Capital.com has minimum deposit at £20, against £500 for J.P. Morgan Personal Investing and £1,000 for Wealthify.
Capital.com reviewHow they place
| Ranking | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| Stock and ETF brokers | 198 of 490 | 182 of 490 |
| Investment platforms and apps | 46 of 85 | 39 of 85 |
| Brokers for beginners | 61 of 88 | 54 of 88 |
| Stocks and shares ISA providers | 14 of 21 | 11 of 21 |
| SIPP providers | 13 of 22 | 10 of 22 |
| Junior ISA providers | 10 of 14 | 7 of 14 |
Every fact side by side
| Fact | J.P. Morgan Personal Investing | Wealthify |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Not confirmed | Low fees |
| Audience | Beginners | Beginners |
| Legal entity | J.P. Morgan Personal Investing Limited | Wealthify Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | J.P. Morgan Personal Investing | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £1,000highest quarter | £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.
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
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.
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
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 | Wealthify |
|---|---|---|
| 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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.