J.P. MORGAN PERSONAL INVESTING LIMITED
| Dimension | Evidenced | Coverage | Strength | Official |
|---|---|---|---|---|
| Regulatory Standing | 10/10 | 100.0% | 94.0% | 90.0% |
| Client Asset Protection | 6/11 | 54.5% | 87.5% | 100.0% |
| Cost Transparency | 6/11 | 54.5% | 48.2% | 16.7% |
| Security and Operational Controls | 4/7 | 57.1% | 55.0% | 25.0% |
| Corporate Transparency | 8/10 | 80.0% | 96.3% | 100.0% |
| Conduct and Track Record | 2/7 | 28.6% | 100.0% | 100.0% |
| All dimensions | 36/56 | 64.3% | — | 75.0% |
Regulatory Standing
Is the entity authorised, and by which regulator?
The Financial Services Register records J.P. MORGAN PERSONAL INVESTING LIMITED under firm reference number 552016, regulated by the Financial Conduct Authority with effect from 01/04/2013.
Statutory register · Financial Conduct Authority · FCA Register — Regulators · as at 25 September 2026 · Check the source
What is the entity's current authorisation status?
The register records the firm's status as "Authorised", effective from 06/10/2011. Business type: Regulated.
Statutory register · Financial Conduct Authority · FCA Register — Status · as at 25 September 2026 · Check the source
Which regulated permissions does the entity hold?
The register records 11 regulated activity permission(s): Agreeing to carry on a regulated activity; Advising on P2P agreements; Sending dematerialised instructions; Safeguarding and administration of assets (without arranging); Managing investments; Making arrangements with a view to transactions in investments; Dealing in investments as principal; Dealing in investments as agent; Arranging safeguarding and administration of assets; Arranging (bringing about) deals in investments; Advising on investments (except on Pension Transfers and Pension Opt Outs).
Statutory register · Financial Conduct Authority · FCA Register — Permissions · as at 25 September 2026 · Check the source
Of those permissions, 10 record a retail customer type: Advising on P2P agreements; Sending dematerialised instructions; Safeguarding and administration of assets (without arranging); Managing investments; Making arrangements with a view to transactions in investments; Dealing in investments as principal; Dealing in investments as agent; Arranging safeguarding and administration of assets; Arranging (bringing about) deals in investments; Advising on investments (except on Pension Transfers and Pension Opt Outs).
Statutory register · Financial Conduct Authority · FCA Register — Permissions, customer types · as at 25 September 2026 · Check the source
Is the entity an Appointed Representative, and of whom?
The register records 1 appointed representative relationship(s) involving this firm.
Statutory register · Financial Conduct Authority · FCA Register — Appointed Representatives · as at 25 September 2026 · Check the source
What trading names are registered to this entity?
The register also records 3 previous trading name(s): "Nutmeg"; "Nutmeg Saving and Investment Limited"; "Hungry Finance Limited".
Statutory register · Financial Conduct Authority · FCA Register — Names, previous · as at 25 September 2026 · Check the source
The register records 2 current trading name(s): "J.P. Morgan Personal Investing" (Trading, from 03/11/2025); "J.P. MORGAN PERSONAL INVESTING LIMITED" (Registered, from 03/11/2025).
Statutory register · Financial Conduct Authority · FCA Register — Names · as at 25 September 2026 · Check the source
Do the registered office and the regulator's recorded place of business agree?
The register records the registered office address as 25 Bank Street, London, E14 5JP, England.
Statutory register · Companies House · registered_office_address · as at 18 September 2026 · Check the source
The FCA Register records the firm's Principal Place of Business as 25 Bank Street, London, E14 5JP, UNITED KINGDOM. The Companies House registered office is recorded as 25 Bank Street, London, E14 5JP, England. The two records agree on premises and postcode.
Statutory register · Financial Conduct Authority · FCA Register — Address, compared with Companies House · as at 25 September 2026 · Check the source
Are there requirements, restrictions or waivers on the permissions?
This firm can: (1) approve its own financial promotions as well as those of members of its wider group and, in certain circumstances, those of its appointed representatives; and (2) approve financial promotions for other unauthorised persons for the following types of investment:
The register records a requirement on the firm's permissions in the quoted terms.
Statutory register · Financial Conduct Authority · FCA Register — Requirements, OR-0263614 (effective 30/01/2025) · as at 25 September 2026 · Check the source
What cross-border or passporting permissions does the register record?
Message: Passport not found total_count: (none) Data: (none)
The register was queried directly for this firm's passporting arrangements and returned no records.
Statutory register · Financial Conduct Authority · FCA Register, Firm 552016, Passports endpoint · as at 18 September 2026 · Check the source · transcribed by hand
Does the customer-facing brand map to the authorised entity?
The register records "J.P. Morgan Personal Investing"; "J.P. MORGAN PERSONAL INVESTING LIMITED" as registered trading name(s) of firm reference number 552016, and links that firm reference number to Companies House company number 07503666.
Statutory register · Financial Conduct Authority · FCA Register — Names and Companies House Number · as at 25 September 2026 · Check the source
Is regulatory status disclosed clearly to customers at point of sale?
J.P. Morgan Personal Investing is a trading name of J.P. Morgan Personal Investing Limited, authorised and regulated by the Financial Conduct Authority. Financial Services Register: 552016.
The firm's own site discloses its regulatory status, trading name and Financial Services Register number in the page footer.
Published by the firm · J.P. Morgan Personal Investing Limited · Page footer · as at 18 September 2026 · Check the source · transcribed by hand
Client Asset Protection
Does the entity hold client money or assets?
The register records the firm's client money permission as "Hold and control client money".
Statutory register · Financial Conduct Authority · FCA Register — Client Money Permission · as at 25 September 2026 · Check the source
Who holds client money, and under which regime is it held?
Your money will be placed in a client money bank account with an approved bank in accordance with the client money rules.
The client agreement states that customer money is placed in a client money bank account with an approved bank, in accordance with the client money rules.
Binding document · J.P. Morgan Personal Investing Limited · Section 9.2, Client Money · as at 18 September 2026 · Check the source · transcribed by hand
Which institutions hold segregated client money?
No qualifying source was located within the evidence window. This criterion requires: named banks in a filed or binding document
Which entity acts as custodian for client securities?
We are the custodian of the investments in your Portfolio and we will hold them for you in "safe custody" in accordance with the Applicable Requirements.
The client agreement states that the firm itself acts as custodian of the investments in the client's Portfolio, holding them in safe custody in accordance with the Applicable Requirements.
Binding document · J.P. Morgan Personal Investing Limited · Section 8.1, How we hold the investments in your Portfolio · as at 18 September 2026 · Check the source · transcribed by hand
Which entity acts as custodian of client assets, and is it a separate legal entity from the operator?
We are the custodian of the investments in your Portfolio and we will hold them for you in "safe custody" in accordance with the Applicable Requirements.
The client agreement states that the firm itself is the custodian of the investments in the client's Portfolio, rather than a separate custodian entity.
Binding document · J.P. Morgan Personal Investing Limited · Section 8.1, How we hold the investments in your Portfolio · as at 18 September 2026 · Check the source · transcribed by hand
Which compensation scheme applies to the entity, or does none apply?
No qualifying source was located within the evidence window. This criterion requires: the scheme's own register matched to the entity, or the entity's binding statement of which scheme covers it. where no scheme applies, the entity's own disclosure to that effect is the answer: a compensation scheme's register cannot establish that a firm outside its scope is outside its scope.
What is the per-customer compensation limit?
No qualifying source was located within the evidence window. This criterion requires: scheme's published limit for the relevant activity
Do compensation limits differ by product held?
No qualifying source was located within the evidence window. This criterion requires: scheme rules cross-referenced against the entity's products
Is there evidence of independent assurance over client asset arrangements?
No qualifying source was located within the evidence window. This criterion requires: auditor's client assets report or equivalent published assurance
What does the entity disclose about client assets if it fails?
Where your investments are held by a Sub-Custodian or a third party appointed by a Sub-Custodian, we cannot ensure that you would not lose any investments if that custodian or a third party appointed by a Sub-Custodian fails.
The client agreement discloses that if a Sub-Custodian or a third party appointed by a Sub-Custodian fails, the client's investments held by that custodian may be lost.
Binding document · J.P. Morgan Personal Investing Limited · Section 8.8 · as at 18 September 2026 · Check the source · transcribed by hand
Are client assets subject to lending, rehypothecation or re-use?
Neither we nor any Sub-Custodian, a third party appointed by a Sub-Custodian or any nominee company of the Sub-Custodian or third party appointed by a Sub-Custodian will lend your investments to anyone else or use them to raise finance.
The client agreement states that neither the firm nor any Sub-Custodian will lend the client's investments to anyone else or use them to raise finance.
Binding document · J.P. Morgan Personal Investing Limited · Section 8.10, What we can do with your investments · as at 18 September 2026 · Check the source · transcribed by hand
Cost Transparency
Is a complete fee schedule publicly available?
Schedule of Fees and Charges Effective from 17 June 2025
The firm publishes a document titled 'Schedule of Fees and Charges', effective from 17 June 2025.
Published by the firm · J.P. Morgan Personal Investing Limited · Document header · as at 18 September 2026 · Check the source · transcribed by hand
What commission or dealing charges apply?
there are set-up and transaction charges for buying and selling stocks or bonds, which are paid for from your investments and reflected in your portfolio's performance.
The firm's fees page states that there are set-up and transaction charges for buying and selling stocks or bonds, which are paid for from the client's investments and reflected in the portfolio's performance.
Published by the firm · J.P. Morgan Personal Investing Limited · Investment fund charges section · as at 18 September 2026 · Check the source · transcribed by hand
What is the FX or currency conversion charge?
No qualifying source was located within the evidence window. This criterion requires: published rate, with the base rate it applies to stated
What reference rate does the entity state it uses for currency conversion?
No qualifying source was located within the evidence window. This criterion requires: the entity's own statement of the rate it converts at — a named provider's rate, a mid-market point, a panel quotation, or its own internal rate — together with any margin or percentage added to it. record what the document says the rate is. do not compare it to a benchmark the document does not name.
What spread or implicit cost applies, and is it disclosed?
This is the difference between the price to buy and the price to sell assets. To keep this to a minimum, we combine orders and choose ETFs with smaller spreads.
The firm's fees page discloses that a market spread — the difference between the buy and sell price — applies, and states that it combines orders and chooses ETFs with smaller spreads to minimise this cost.
Published by the firm · J.P. Morgan Personal Investing Limited · Market spread section · as at 18 September 2026 · Check the source · transcribed by hand
Any other considerations relevant to the execution of the trade are taken into account, such as Implicit/explicit costs, trading frequency and performance..
The policy states that implicit and explicit costs are among the considerations taken into account when determining best execution.
Published by the firm · J.P. Morgan Personal Investing Limited · Best Execution Factors & Considerations · as at 18 September 2026 · Check the source
Are there account, platform or custody fees?
The first £100,000 | 0.75% per annum incl. VAT. Any amount above £100,000 | 0.35% per annum incl. VAT
The fee schedule states an annual management fee of 0.75% per annum on the first £100,000 and 0.35% per annum on amounts above that, for the Managed Investment Styles.
Published by the firm · J.P. Morgan Personal Investing Limited · Managed Investment Styles fee table · as at 18 September 2026 · Check the source · transcribed by hand
Are there inactivity or dormancy charges?
No qualifying source was located within the evidence window. This criterion requires: fee schedule or client agreement
What withdrawal, transfer-out or closure charges apply?
No qualifying source was located within the evidence window. This criterion requires: published fee schedule
Do headline marketing claims match the binding fee schedule?
No qualifying source was located within the evidence window. This criterion requires: direct comparison of marketing page against client agreement
Are interest arrangements on cash balances disclosed, including any retained share?
Unallocated cash in a Stocks and Shares ISA, Junior ISA, Lifetime ISA, General Investment Account or Personal Pension pot will earn interest at the current Bank of England (BoE) rate minus 0.75%.
The firm's fees page states that unallocated cash earns interest at the Bank of England base rate minus 0.75%.
Published by the firm · J.P. Morgan Personal Investing Limited · FAQ — Will I earn interest on cash? · as at 18 September 2026 · Check the source · transcribed by hand
How much notice is given before charges or terms change?
we will give you reasonable prior written notice of any change to these terms
The client agreement states that the firm will give reasonable prior written notice of any change to the terms.
Binding document · J.P. Morgan Personal Investing Limited · Section 18.4, Changing these terms · as at 18 September 2026 · Check the source · transcribed by hand
Security and Operational Controls
Is multi-factor authentication offered, and is it mandatory or optional?
we offer 2-step verification to further secure your account
The FAQ states that the company offers 2-step verification to further secure accounts.
Published by the firm · J.P. Morgan Personal Investing Limited · How secure is it? · as at 19 September 2026 · Check the source
Are recognised security certifications held?
No qualifying source was located within the evidence window. This criterion requires: certificate or certifying body's register — never the entity's claim alone
Is there a published vulnerability disclosure or bug bounty route?
If you have found a cybersecurity issue or vulnerability in any of our applications, then we would like to hear from you through our responsible disclosure program, which is run in collaboration with JPMorgan Chase.
The document states there is a Responsible Disclosure Program for reporting cybersecurity issues or vulnerabilities, run in collaboration with JPMorgan Chase.
Published by the firm · J.P. Morgan Personal Investing Limited · Responsible Disclosure Program · as at 19 September 2026 · Check the source
Our responsible disclosure program is managed by our third party vendor who will review and validate cybersecurity issues within the scope of this program.
The document states that the responsible disclosure program is managed by a third party vendor who reviews and validates cybersecurity issues within the scope of the program.
Published by the firm · J.P. Morgan Personal Investing Limited · Responsible Disclosure Program · as at 19 September 2026 · Check the source
See our responsible disclosure program
The document provides a link to view the responsible disclosure program.
Published by the firm · J.P. Morgan Personal Investing Limited · Responsible Disclosure Program · as at 19 September 2026 · Check the source
Have security or data incidents been publicly disclosed, and how were they handled?
No qualifying source was located within the evidence window. This criterion requires: regulator notice, ico action, or contemporaneous independent reporting
Are operational resilience or continuity arrangements disclosed?
During periods of market distress, J.P. Morgan Personal Investing could use discretion to hold off from trading until liquidity returns to the market, as trading when there is an absence of liquidity could result in less than favourable prices being achieved due to liquidity premiums or discounts.
The policy states that during periods of market distress, J.P. Morgan Personal Investing may use discretion to hold off from trading until liquidity returns to the market.
Published by the firm · J.P. Morgan Personal Investing Limited · Market Distress – Contingent Arrangements · as at 18 September 2026 · Check the source
If trading during a period of market distress is necessary, J.P. Morgan Personal Investing would seek liquidity from multiple counterparties via RFQ.
The policy states that if trading is necessary during a period of market distress, the firm would seek liquidity from multiple counterparties via RFQ.
Published by the firm · J.P. Morgan Personal Investing Limited · Market Distress – Contingent Arrangements · as at 18 September 2026 · Check the source
Have material service outages been reported, and were they disclosed by the entity?
No qualifying source was located within the evidence window. This criterion requires: independent reporting or the entity's own status history
Is a data protection registration in place, and with whom?
Date registered 07 July 2011
The ICO register shows J.P.Morgan Personal Investing Limited's registration was made on 07 July 2011.
Statutory register · Information Commissioner's Office · as at 7 July 2011 · Check the source
Registration reference Z2756843
J.P.Morgan Personal Investing Limited is registered with the ICO under registration reference Z2756843.
Statutory register · Information Commissioner's Office · as at 19 September 2026 · Check the source
Data controller J.P.Morgan Personal Investing Limited
The ICO register lists J.P.Morgan Personal Investing Limited as the data controller.
Statutory register · Information Commissioner's Office · as at 19 September 2026 · Check the source
Registration expires 06 July 2027
The ICO register shows J.P.Morgan Personal Investing Limited's registration expires on 06 July 2027.
Statutory register · Information Commissioner's Office · as at 19 September 2026 · Check the source
Corporate Transparency
What is the entity's registered company number and legal form?
The register records company number 07503666, registered as "J.P. MORGAN PERSONAL INVESTING LIMITED", legal form "ltd", status "active".
Statutory register · Companies House · company profile · as at 18 September 2026 · Check the source
Who are the persons with significant control?
Statement Active. The company knows or has reasonable cause to believe that there is no registrable person or registrable relevant legal entity in relation to the company. Notified on 16 February 2018
The register records an active PSC statement, notified 16 February 2018, that the company knows or has reasonable cause to believe there is no registrable person or registrable relevant legal entity in relation to the company.
Statutory register · Companies House · PSC statements · as at 18 September 2026 · Check the source · transcribed by hand
What is the group structure above this entity?
The Company's immediate parent undertaking is JPMorganChase Holdings LLC, incorporated in the state of Delaware in the United States of America.
The filed accounts state that the company's immediate parent undertaking is JPMorganChase Holdings LLC, incorporated in Delaware, United States.
Binding document · JPMorganChase · General information note, Filed Accounts FY2024 · as at 18 September 2026 · Check the source · transcribed by hand
Which jurisdiction is the ultimate parent registered in?
No qualifying source was located within the evidence window. This criterion requires: registry record of the parent
Are accounts filed on time and to the required standard?
The register records: next accounts due 2027-09-30; last accounts made up to 2025-12-31; the register flags accounts as not overdue.
Statutory register · Companies House · accounts · as at 18 September 2026 · Check the source
Are the accounts audited, and by whom?
The independent auditors, PricewaterhouseCoopers LLP, have expressed their willingness to continue in office.
The filed accounts name the company's independent auditors as PricewaterhouseCoopers LLP, who have expressed their willingness to continue in office.
Binding document · JPMorganChase · Directors' report, Filed Accounts FY2024 · as at 18 September 2026 · Check the source · transcribed by hand
Is there a going-concern qualification or emphasis of matter?
No qualifying source was located within the evidence window. This criterion requires: auditor's report
When was the entity incorporated?
The register records incorporation on 2011-01-24.
Statutory register · Companies House · date_of_creation · as at 24 January 2011 · Check the source
Have there been recent changes of control, name or registered office?
The register records 3 previous company name(s): "J.P MORGAN PERSONAL INVESTING LIMITED" until 2025-10-27; "NUTMEG SAVING AND INVESTMENT LIMITED" until 2025-10-24; "HUNGRY FINANCE LIMITED" until 2012-05-23.
Statutory register · Companies House · previous_company_names · as at 18 September 2026 · Check the source
The filing history records 16 change filing(s) in the most recent 35 entries. Most recent: 2026-06-19: appoint-person-director-company-with-name-date; 2026-03-23: appoint-person-director-company-with-name-date; 2026-02-19: replacement-filing-of-director-appointment-with-name; 2026-02-19: appoint-person-director-company-with-name-date; 2026-02-13: termination-director-company-with-name-termination-date.
Statutory register · Companies House · filing history · as at 18 September 2026 · Check the source
Are directors disqualified, or associated with disqualification?
A name search of the register of disqualified directors was run against the 9 active officer(s) recorded for this company on 2026-09-18. 4 name(s) returned one or more register entries. A name match does not establish that these are the same individuals: identity requires confirmation against date of birth and appointment history, which we have not performed. No individual is named here for that reason.
Statutory register · Companies House · disqualified officers search · as at 18 September 2026 · Check the source
Conduct and Track Record
Are there published regulatory enforcement actions against this entity?
A query of the Financial Services Register disciplinary history for firm reference number 552016 on 2026-09-25 returned no published entries. The register reported: "Disciplinary history information not found".
Statutory register · Financial Conduct Authority · FCA Register — Disciplinary History · as at 25 September 2026 · Check the source
Are there published enforcement actions against the parent or sister entities?
No qualifying source was located within the evidence window. This criterion requires: regulator's own publication, entity-matched
Are there published warnings or unauthorised-firm alerts naming this entity or a clone?
This is the genuine, authorised firm that the fraudsters are claiming to work for. It has no connection with the clone firm. The correct details are: Firm Name: J.P. MORGAN PERSONAL INVESTING LIMITED Firm Reference Number: 552016
The FCA published a warning, first published 16/03/2021, about a clone firm using the name 'Nutmeg Savings and Investments'; the warning's 'FCA authorised firm details' section names J.P. Morgan Personal Investing Limited, firm reference number 552016, as the genuine authorised firm the fraudsters were claiming to work for.
Statutory register · Financial Conduct Authority · FCA authorised firm details section · as at 18 September 2026 · Check the source · transcribed by hand
This is the genuine, authorised firm that the fraudsters are claiming to work for. It has no connection with the clone firm. The correct details are: Firm Name: J.P. MORGAN PERSONAL INVESTING LIMITED Firm Reference Number: 552016
The FCA published a separate warning, first published 27/05/2022, about a clone firm using the name 'Nut-Meg'; the warning's 'FCA authorised firm details' section names J.P. Morgan Personal Investing Limited, firm reference number 552016, as the genuine authorised firm the fraudsters were claiming to work for.
Statutory register · Financial Conduct Authority · FCA authorised firm details section · as at 18 September 2026 · Check the source · transcribed by hand
What complaints data does the entity publish, as required?
No qualifying source was located within the evidence window. This criterion requires: the entity's mandatory complaints return
What complaint volumes does the ombudsman publish about the entity?
No qualifying source was located within the evidence window. This criterion requires: the financial ombudsman service's published half-yearly business complaints data, and where it publishes one, the proportion upheld. the service publishes firm-level figures only above a complaint threshold: a firm absent from a release falls below that threshold, which is not evidence that no complaints were made and is not recorded as a finding. raw volumes are not comparable between firms of different sizes without customer numbers, which the service does not publish.
Is there material litigation of public record?
No qualifying source was located within the evidence window. This criterion requires: court judgment or filed proceedings
Have directors been subject to published regulatory action individually?
No qualifying source was located within the evidence window. This criterion requires: regulator's individual register
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What these figures measure. They describe the evidence we found, not the firm’s conduct. Where a criterion reads “not found”, we could not confirm it from public sources — that carries no negative inference.
Where the record shows no published enforcement action, that means our search of the register found none on the date stated. It is not a finding that no misconduct occurred.
If you are J.P. MORGAN PERSONAL INVESTING LIMITED and believe something here is wrong, write to corrections@veracentintelligence.co.uk. We will provide the evidence behind any finding, correct what we get wrong, and publish a statement of up to 300 words alongside anything we still disagree about.