Updated October 13, 2026 · BrokerCue Editorial Team
J.P. Morgan Personal Investing vs Wombat Invest
Facts checked September 26, 2026.
J.P. Morgan Personal Investing vs Wombat Invest: the differences
| Compare |  J.P. Morgan Personal Investing |  Wombat Invest |
|---|---|---|
| Minimum deposit | £500 | £10Lower |
| Markets | ETFs, Funds, Bonds | Stocks, ETFs |
| Platforms | Web, Mobile app | Quilter Invest app |
| Account types | ISA, SIPP, Lisa, JisaCovers more | ISA, Jisa, SIPP |
| Stock trade fee | Not confirmed | £0 |
| Regulators | Financial Conduct Authority | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | Not confirmed |
| Currency conversion fee | Not confirmed | 0.4% to 0.75% |
| Deposit and withdrawal fees | No withdrawal fee | Not confirmed |
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Key differences
- Minimum deposit is lower at Wombat Invest: £10 vs £500.
- Markets: only J.P. Morgan Personal Investing offers Funds, Bonds.
- Markets: only Wombat Invest offers Stocks.
- Platforms: only J.P. Morgan Personal Investing offers Web, Mobile app.
- Platforms: only Wombat Invest offers Quilter Invest app.
- Account types: only J.P. Morgan Personal Investing offers Lisa.
- Support channels: only Wombat Invest offers Email, Chat.
- Features: only Wombat Invest 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.
Wombat Invest
Wombat Invest is a broker covering stocks and ETFs through a mobile app with fractional share access. It suits newcomers who want ISA, Junior ISA and SIPP account types and are comfortable managing a focused market range themselves for long term investing.
Score breakdown
| Area | J.P. Morgan Personal Investing | Wombat Invest |
|---|---|---|
| Cost | 8.2Cost case is mixed: a £500 entry level well above €4.64 elsewhere, offset by no withdrawal fee on cash taken out. | 9.1Higher |
| Offer | 9.0 | 9.0 |
| Trust | 8.6Higher | 8.3 |
Which one suits you
Pick J.P. Morgan Personal Investing if trust and account types matter most.
Pick Wombat Invest if cost and minimum deposit matter most.
Sources behind this comparison
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
Wombat Invest
- quilterinvest.com: 8 facts, checked September 26, 2026
- cbinsights.com: 1 fact, checked September 26, 2026
- checkfree.co.uk: 1 fact, checked September 26, 2026
- moneytothemasses.com: 1 fact, checked September 26, 2026
- unbiased.co.uk: 1 fact, checked September 26, 2026
How they place
| Ranking | J.P. Morgan Personal Investing | Wombat Invest |
|---|---|---|
| Stock and ETF brokers | 206 of 491 | 487 of 491 |
| Investment platforms and apps | 47 of 86 | 85 of 86 |
| Brokers for beginners | 61 of 88 | 87 of 88 |
| Stocks and shares ISA providers | 14 of 21 | 21 of 21 |
| SIPP providers | 13 of 22 | 22 of 22 |
| Junior ISA providers | 10 of 14 | 14 of 14 |
Every fact side by side
| Fact | J.P. Morgan Personal Investing | Wombat Invest |
|---|---|---|
| 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 | NuWealth Ltd |
| Founded | Not confirmed | 2017 |
| Support channels | Help centre | Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | J.P. Morgan Personal Investing | Wombat Invest | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £10below the median | £20 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Currency conversion fee | Not confirmed | 0.4% to 0.75%below the median | 0.45 |
Median across 34 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.
Wombat Invest
Pros
- Offers stocks and ETFs with fractional share access inside a mobile app
- Includes ISA, Junior ISA and SIPP account types for long term goals
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.
Wombat Invest
Who it suits
- Beginners focused on stocks and ETFs by mobile
- Savers planning around ISA, Junior ISA or SIPP wrappers
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 | Wombat Invest |
|---|---|---|
| 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.
Wombat Invest
What markets does Wombat Invest cover?+
Wombat Invest covers stocks and ETFs for retail investors. Access runs through a mobile app and includes fractional share positions. The range stays focused, so checking the available securities matters before choosing.
Which account types does Wombat Invest include?+
Wombat Invest includes ISA, Junior ISA and SIPP account types alongside its investment access. Each wrapper serves different long term aims and eligibility rules apply in practice. Reviewing the current account terms helps decide which structure matches household needs.