This offer is available to new clients who haven’t invested with us before, and existing clients who have received an invite, and have registered for the offer using the form on this page.

You can invest with our Stocks and Shares ISA, Lifetime ISA, Junior ISA, Personal Pension or General Investment Account as part of this offer. You only need to open one product – you won’t receive an additional reward if you open more than one. You won’t be eligible if you only contribute to a 100% cash pot.

Your £1,000 must be paid in a single payment – not as multiple smaller payments or payments into multiple products. It must be a new investment, and not a transfer from another provider.

It starts from the date that your minimum payment of £1,000 shows up in your transaction history. You can check this in the app by going to your ‘Profile and settings’ and viewing your Transaction History, or via your web dashboard by selecting ‘Transactions’ from the left-hand menu. Your payment will be listed as a ‘Deposit’.

Your total ‘net’ contribution needs to stay at £1,000 or more for the full six-month holding period. We don’t include any gains or losses from market performance. So, if you withdraw or transfer out to another provider and that brings your net contribution below £1,000 at any point during the six months, you won’t be eligible for the reward. For example:

• If you invest £1,000 in an eligible product and leave it invested for the full six months, you’d still be eligible even if the value falls below £1,000 due to market movements.
• If you invest £1,000 in an eligible product and then withdraw £300, your net contribution would be £700. You wouldn’t be eligible – even if your investments have grown by £300 or more.
• If you invest £2,000 in an eligible product and then withdraw £900, your net contribution would be £1,100 meaning you would still be eligible.

We’ll pay a £100 cash payment into your account as unallocated cash within 55 days of the end of your six-month holding period, as long as you’ve met all the conditions of the offer – we’ll send you an email confirming this. We’ll also let you know through a secure message to your account that you have cash waiting to invest or withdraw. Please make sure the email we have linked to your account is the right one.

Get a cash reward of £100 (‘cash reward’) in your J.P. Morgan Personal Investing (‘JPM PI’) account when you invest £1,000 or more while this offer is live:

• Only open to eligible investors (defined below under ‘who is eligible’).

• Register and keep at least £1,000 invested for 6 months or more, starting from when you contribute £1000 or more in one payment to an eligible product (see below under ‘how to get this offer’).

• Eligible products: General Investment Account, Stocks & Shares ISA, Lifetime ISA, Junior ISA or Personal Pension (‘eligible products’).

Important Information

• For opening a Lifetime ISA or Junior ISA, the usual product minimum investment is £100 and for General Investment Account, Stocks & Shares ISA and Personal Pension it is £500 (see Standard Terms and Conditions). However, the minimum investment is £1,000 or more to qualify for this offer. You can still open these products with the usual product minimum investment amount if you don’t wish to take part in the offer.

• Our Personal Pension only accepts Direct Debit contributions. Your Direct Debit mandate for our Personal Pension may take up to 10 business days to set up after which Direct Debit contributions can take another 2-3 business days to show in your J.P. Morgan Personal Investing account. For more information including available payment methods see Paying into your account.

• Our usual costs and charges are payable for our products and services, as set out in the Schedule of Fees and Charges in the Standard Terms and Conditions

Full terms and conditions below.

These terms add to our Standard Terms and Conditions. If there’s a conflict between any of these terms and our Standard Terms and Conditions, then the term here will apply.

Who is eligible

• This offer is only available for individuals who have not invested with JPM PI before (or select existing JPM PI clients who are invited to participate in this offer) (‘eligible investors’); and in each case
• Meet the eligibility requirements in Sections 1.1 and 1.2 of the Standard Terms and Conditions.

How to get this offer

• Fully complete and submit the promotion registration form

• Open a JPM PI account if you don’t already have one using the same email address used to register for the offer.

• Open an eligible product. You only need to open one product and you will not receive an additional reward if you open more than one product. You will not be eligible if you only contribute to a 100%-cash pot.

• Make a minimum investment of at least £1,000 into your chosen product, which meets the following criteria:

• Be paid in one payment totalling £1,000 or more (not multiple smaller payments or payments into multiple products).
• Be a net new investment contribution and not a transfer of an existing product from an existing provider (as unfortunately we can’t guarantee that the transfer will complete in the 6-month period during which your investments need to be held with us).
  
  (‘minimum contribution amount’)
  

• Keep the minimum contribution amount invested for at least 6 months:

• Your investment period starts from the date on which you contribute the minimum contribution amount to your product in one payment following registration (‘investment period’) and the contribution is showing in JPM PI. We will invest the minimum contribution amount at one of our next bi-weekly trading cycles and so, once your minimum contribution amount is paid into your product, you will need to keep it there so that it can be invested;
• You can check when you contributed your minimum contribution amount via the app by going to your ‘Profile and settings’ (top right) and viewing your Transaction History, or via your web dashboard by selecting Transactions from the left-hand menu. You can see your contributions listed as a ‘Deposit’. The investment period starts on the date you first see £1000 or more contributed as a Deposit in your Transaction History timeline.
• Your net contribution to your chosen product needs to total £1000 or more for the duration of the investment period. We won’t take into account any returns or losses on your investments when deciding if you qualify for the reward. However, if you withdraw or transfer out to another provider this reduces your net contribution balance. For example,
• If you contributed £1,000 into an eligible product and keep it invested for the 6 months investment period, but in this time the value of your investments fell below £1,000 due to negative market movements, you’d still be eligible for your reward.
  

• If you contributed £1,000 into an eligible product and withdrew £300, your net contributions would be £700 and you’d therefore not be eligible (even if you’ve made returns of £300 or more).

When and how the £100 cash reward will be paid

You will receive a £100 cash payment into your JPM PI account within 55 days of the end of your ‘investment period' if you meet the conditions of these offer terms. This will be held in “unallocated cash”, and you will be notified within your JPM PI account that you have cash waiting for allocation. Please update your contact details via the JPM PI app if your email or other contact details change and check your emails and secure messages regularly.

You can only take advantage of one offer with us which is exclusively for new investors when you start investing. We may, at our discretion, make additional or alternative offers available to certain eligible clients. We reserve the right to determine eligibility for all our offers.

How we treat unallocated cash

The “unallocated cash” sits within your JPM PI account, but it’s not part of a General Investment Account or of a Stocks & Shares ISA, Lifetime ISA, Junior ISA or Personal Pension tax wrapper. If you want to add this to a JPM PI investment pot or withdraw to your bank account, you can do so from your JPM PI account.

Adding the cash to a Stocks & Shares ISA, Lifetime ISA, Junior ISA or Personal Pension will be treated as a contribution into the tax wrapper and is subject to contribution limits under the relevant tax rules of each tax product.

Clients are responsible for all contributions into a tax wrapper and should check that any such contributions do not exceed allowable contribution limits.

Making changes to this offer

• We may change, suspend or end this offer at any time. Any changes 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, we will give you prior written notice.

• We may suspend or end the offer on an individual or offer-wide basis.

• If we reasonably suspect that you are abusing this offer or find that you have breached these terms, then we may withhold or reverse any cash reward payable or paid to you.

Other terms that apply if you use this offer

The terms of your accounts are set out in our Standard Terms and Conditions as well as in any other terms applicable when you opened your account. Please refer to the Standard Terms and Conditions if you want to know about:

• How to contact us (Section C and Section D)

• Our authorisation details and complaints and compensation arrangements (Section I)

• How investing with us works (Section G)

• Our fees and charges (Section B)

Please also read our:

• Privacy Policy to find out how we process, use, and store your personal information

• Cookie Policy to learn how we use cookies to track the way our app is used.

Capitalised words in these offer terms have the same meaning as in the  Standard Terms and Conditions, unless they are expressly given a different meaning here.