These Promotional Offer T&Cs were last updated on 3rd November 2025.

You/your – this means the person who is benefitting from this promotion.

Us/We/Our – this means J.P. Morgan Personal Investing (“JPM PI”), a trading name of J.P. Morgan Personal Investing Limited the promoter of this promotion.

If there is anything that you do not understand, please contact us for more information using the details in Section 7 below.

1. The Promotion and Your agreement with JPM PI

1.1. We are offering a promotional rate of 0% portfolio management fees for a period of six (6) months on investments held with JPM PI. We have explained in Section 5 how this offer works. You should sign up via this link and follow the steps explained in Section 4.1 below. This promotional rate is referred to here as the “Promotional Fee Rate”.

1.2. The main agreement between you and JPM PI is set out in the J.P. Morgan Personal Investing Terms and Conditions, which are available here. The J.P. Morgan Personal Investing Terms and Conditions govern how JPM PI will provide investment services to you.

1.3. The terms set out here are the “Promotional Offer T&Cs”. The Promotional Offer T&Cs set out the basis on which we offer the Promotional Fee Rate. Some of the terms in the Promotional Offer T&Cs amend the J.P. Morgan Personal Investing Terms and Conditions. You should read both sets of T&Cs before redeeming the Promotional Fee Rate.

1.4. The capitalised words in these Promotional Offer T&Cs have the same meaning as in the J.P. Morgan Personal Investing Terms and Conditions, unless they are expressly given a different meaning here.

1.5. If there is an inconsistency between (a) the Promotional Offer T&Cs; and (b) the J.P. Morgan Personal Investing Terms and Conditions, these Promotional Offer T&Cs will apply.

1.6. If you open a JPM PI account by taking the steps explained in Section 4.1 below, please note that both T&Cs, the Promotional Offer T&Cs and the J.P. Morgan Personal Investing Terms and Conditions will apply to you.

2. Who is able to benefit from the Promotional Fee Rate?

2.1. The Promotional Fee Rate is only available to “Eligible Participants”. Eligible Participants are individuals who, in addition to meeting the eligibility requirements in Sections 1.1 and 1.2 of the J.P. Morgan Personal Investing Terms and Conditions, at the date of opening a JPM PI account:

· have not previously invested with, or used the services of, JPM PI; and

· are UK resident and are not a US person.

2.2. When you create a JPM PI account in accordance with the steps in Section 4.1, you confirm that you are an Eligible Participant.

3. What JPM PI products does the Promotional Fee Rate apply to?

3.1. The Promotional Fee Rate is available in respect of the following JPM PI products:

· Stocks and Shares ISA;

· Junior ISA;

· Lifetime ISA;

· Personal Pension; and

· General Investment Account

each an "Eligible Product" and together the "Eligible Products".

3.2. Once you open an Eligible Product in accordance with the steps in Section 4.1 and start receiving the Promotional Fee Rate on the Eligible Product, you will also receive the remainder of the Promotional Fee Rate promotion on any subsequent Eligible Products you open. This means that the six-month fee free period will commence from when your first Eligible Product is first traded by JPM PI, for all Eligible Products. For example, if you open a Lifetime ISA which is first traded on 1 January 2025 and then on 1 February 2025 open a Personal Pension, the Personal Pension will have a fee free period of 5-months. 

3.3. If you open multiple Eligible Products: Junior ISA products need to be opened within the same month you open your first Eligible Product with JPM PI (which could be a Stocks and Shares ISA, a Junior ISA, a Lifetime ISA, a Personal Pension or a General Investment Account) in order to qualify for the Promotional Fee Rate, as explained further in Section 5.4.

The Promotional Fee Rate promotion cannot be used:

· together with any other JPM PI offer or promotion for new JPM PI customers, unless stated otherwise; or

· to invest into a 100%-cash pot.

4. How to validate the Promotional Fee Rate?

4.1. In order to validate and benefit from the Promotional Fee Rate, you must do all the following:

· Open a JPM PI account here and enter your email address into the dedicated email field; and

· Fund your new JPM PI product in accordance with the minimum investment requirements set out in Section 1.1 of the J.P. Morgan Personal Investing Terms and Conditions.

4.2. Once you have completed the steps at Section 4.1 above, the Promotional Fee Rate will be applied automatically to your JPM PI account, and you will not need to take any further action.

4.3. If you do not follow all the steps in Section 4.1 correctly, we will not be able to apply the Promotional Fee Rate to your JPM PI account. In this case, JPM PI’s normal fees and charges will apply.

4.4. If you notice that you have not signed up correctly and/or the Promotional Fee Rate has not been applied to your JPM PI account, please contact our Client Support team - our details are in Section 7 below.

5. When and how will the Promotional Fee Rate be applied?

5.1. The Promotional Fee Rate will be applied within forty-five (45) days of the funds in your JPM PI account first being traded.

5.2. The Promotional Fee Rate will apply for a period of six (6) months from the date on which the Promotional Fee Rate was first applied to the funds in your JPM PI Account. After those six (6) months, the standard JPM PI fees and charges which cover your chosen product will apply. More information can be found in the Schedule of fees and charges of the J.P. Morgan Personal Investing Terms and Conditions, and you are welcome to contact us (our details are in Section 7) if you have any questions, or if you want to know the length of time remaining on your fee-free promotion period.

5.3. In addition to the Promotional Fee Rate, additional costs may apply to your investments, for example where we carry out transactions on your behalf. More detail can be found in the Schedule of fees and charges of the J.P. Morgan Personal Investing Terms and Conditions.

5.4. Important Information: If you open a Junior ISA (or Junior ISAs) during the promotional period, the Promotional Fee Rate can be applied only if the Junior ISA/s are opened in the same month you invest in your first product with JPM PI (which could be a Stocks and Shares ISA, a Junior ISA, a Lifetime ISA, a Personal Pension or a General Investment Account). The Promotional Fee Rate will not be applied to Junior ISAs opened in subsequent months.

 For example:

· if you invest in a Lifetime ISA in June, you must also open a Junior ISA in June for the Junior ISA to benefit from the Promotional Fee Rate. A Junior ISA opened in July, for example, will not be eligible; or

· if the first Eligible Product you open is a Junior ISA, the Promotional Fee Rate will only apply to subsequent Junior ISA product/s that you open in the same month as you opened the first Junior ISA product.

6. General Terms

6.1. We may change, terminate or withdraw the Promotional Fee Rate promotion immediately, at any time without notice to you in cases of:

a) suspected abuse, fraud or violation of its rules;

b) your failure to comply with any obligations under these Promotional Offer T&Cs; or

c) unexpected operational constraints.

6.2. Where the Promotional Fee Rate promotion is changed, terminated or withdrawn in accordance with this section, these Promotional Offer T&Cs will no longer apply.

6.3. We may terminate or withdraw this Promotional Fee Rate promotion any time by giving you reasonable written notice before this happens.

6.4. We may change these Promotional Offer T&Cs at any time. Any changes we make to these Promotional Offer T&Cs will be effective immediately on posting to the website. Unless legal or regulatory obligations prevent us from doing so or the change is not to your disadvantage (e.g. making these terms easier to understand), we will give you reasonable prior written notice of any change to these Promotional Offer T&Cs before these take effect.

6.5. Your continued participation following any changes will signify your acceptance of the revised terms and conditions. If you do not agree to any changes you should withdraw from this Promotional Fee Rate promotion. If you have any questions about any changes, please contact us - our details are in Section 7 below.

6.6. English law applies to this agreement and to any dealings we had before you and we entered into this agreement.

6.7. The courts of England and Wales have jurisdiction to hear any disputes about this agreement, unless you live in another part of the UK in which case any disputes may be brought in that part of the UK.

6.8. Your personal data will be treated in line with JPM PI's Privacy Policy which can be found here.

7. Getting in contact 

7.1. We're here for you. To get in touch with us, you can send a secure message from your dashboard (our Message Centre), use the Chat feature on our website, call 020 3598 1515, or email support@personalinvesting.jpmorgan.com

7.2. If we need to get in touch with you, we will send you a secure message. You must sign in to our website to read any secure messages we send you. We may also call you by phone, use email or the post to contact you. We aren't responsible if you don't get information or notices from us because we've used out-of-date contact details. That's why it's really important that you:

· tell us as soon as possible if your contact details change; and

· check your secure messages regularly.

7.3. If you're deaf, hard of hearing, or have a speech disability, you can call us via the Relay UK app, or by dialling 18001-020 3598 1515 from a textphone. We can provide alternative accessible formats for certain documents. If you need them or want more information on how we help those with accessibility needs, you can contact us on the details above.

Copyright © J.P. Morgan Personal Investing Limited.

J.P. Morgan Personal Investing is authorised and regulated by the Financial Conduct Authority, no. 552016, registered in England and Wales, no. 07503666, with a registered office at 25 Bank Street, Canary Wharf, London E14 5JP.

J.P. Morgan Personal Investing is covered by the Financial Services Compensation Scheme in respect of the investment business it provides. Please see Section I of the J.P. Morgan Personal Investing Terms and Conditions. for more information.