J.P. Morgan Personal Investing
£100 Free Cash
Stocks & Shares ISA, Lifetime ISA, Junior ISA, Personal Pension or General Investment Account£100profit
19mins to complete
Offer overviewChris · Your personal guide
J.P. Morgan Personal Investing is a managed investment service: you set your risk level and its team builds and runs the portfolio.
You get:
£100 free cash straight from J.P. Morgan, with no cashback site in the middle.
Paid within 55 days of the six months ending, as unallocated cash you can invest or withdraw.
To qualify:
Invest £1,000 in one single payment and leave it invested for six months. The six months starts the day your payment shows as a deposit in your transaction history, not the day you open the account.
Do not withdraw. A fall in market value is fine, but if you take money out and your net contribution drops below £1,000 at any point in the six months, you lose the reward.
Key terms
+£100
Upfront deposit£1,000
In one single payment
Free cash arrives8 months
Eligibility
- Does not qualify:Other J.P. Morgan Personal Investing joining offer
- Does not qualify:Transfers from another provider
- Does not qualify:A 100% cash pot
Last checked: 19 Sept 2026Full terms(opens in a new tab)
Step by Step Guide
Start here
Register for the offer
2 mins
- 1Open the J.P. Morgan offer page using the button below
- 2Enter your email address into the registration form and submit it
- 3Make a note of that email address, you need the same one in the next step
Registering for the offer is separate from opening your account, so do not skip it. J.P. Morgan only counts money you invest after you register, and your account has to use the same email address.
Up next · 2 steps
Open your account and invest £1,000
15 mins
- 1Create your J.P. Morgan Personal Investing account using the same email address you registered with
- 2Open one eligible product: a Stocks and Shares ISA, Lifetime ISA, Junior ISA, Personal Pension or General Investment Account
- 3Pay in £1,000 or more as a single payment, not several smaller ones and not split across products
- 4Pick an investment style so the money is actually invested, a 100% cash pot does not qualify
Opening more than one product does not earn you more. The £1,000 has to land in a single product in a single payment.
Only new money counts. Transferring an existing product in from another provider does not qualify. If you are thinking of using the Personal Pension, note it accepts Direct Debit contributions only, and the mandate can take up to 10 business days to set up before your payment shows.
Receive £100 free cash
Within 8 months2 mins
- 1Keep your net contribution at £1,000 or more for the full six months
- 2J.P. Morgan pays £100 into your account within 55 days of the six months ending
You can then decide what to do:
If you enjoy using J.P. Morgan, carry on investing with them
If not, you can transfer to another platform, which keeps an ISA or pension inside its tax wrapper
The £100 itself lands as unallocated cash, available to withdraw should you wish
The £100 arrives as unallocated cash, which sits outside your ISA, Lifetime ISA, Junior ISA or pension wrapper. Adding it into one of those counts as a fresh contribution against that year's allowance.
3 steps to £100
Quick review
J.P. Morgan Personal Investing
Wondering whether J.P. Morgan Personal Investing is worth it beyond the bonus? Here is our honest take.
The managed-investing platform formerly known as Nutmeg, now under JPMorgan Chase. You pick a risk level and investment style; their team handles the rest inside an ISA, LISA, JISA, GIA, or pension. Quidsy's got a £75 cashback offer worth grabbing. Fee-conscious DIY investors will pay less elsewhere.
CategoryInvesting Sign-ups
Last updated
Chris' verdictYour personal guide, QuidsyIt depends on what you're after. If you want a hands-off managed ISA or pension with a name behind it you can pronounce at a dinner party, J.P. Morgan Personal Investing is a sensible pick. The platform's been running since 2012 (originally as Nutmeg), the awards from Boring Money are well-earned, and JPMorgan's involvement has made it a bigger, better-resourced operation rather than a worse one.
The investing itself is genuinely managed by their team, not just an algorithm running on autopilot.
But if you're comfortable picking your own funds and want to keep fees low, you can do better on cost. Vanguard, AJ Bell and InvestEngine all charge less for DIY portfolios. That 0.75% gap on £20,000 invested is £150 a year you're paying for the managed service. Worth it if you value the convenience or genuinely don't want to think about rebalancing, less obvious if you'd happily run a three-fund portfolio yourself.
For the offer we've found, the £75 cashback is a fair trade. It covers most of your first year of fees on a £10,000 ISA and gives you a low-risk way to try the platform before committing long term. Easy money if you were going to open a managed ISA anyway.
J.P. Morgan Personal Investing Limited is authorised and regulated by the Financial Conduct Authority (FRN 552016). Capital at risk. Eligible investments are protected by the FSCS up to £85,000.