£75 Free Cash

It 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.