JPMorgan Personal Investing Referral Code (UK)

Last updated: 26 October 2026

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them. This is information, not financial advice.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

How the referral works

JPMorgan runs its Refer a Friend scheme through a platform called Mention Me. When you click our referral link, you'll land on a JPMorgan-branded page hosted by Mention Me. Here's what to do:

1. Scroll down and enter your email address. The Mention Me page opens with a block of offer terms. The email box and the "Confirm email" button sit below that text, so scroll down until you reach them, then enter your email and tap Confirm email.

2. Use the same details. Make sure the name and email address you enter on the Mention Me form match the ones you use when you open your JPMorgan Personal Investing account. If they don't match, your referral may not track correctly.

3. Open an account and invest. Once you've registered via Mention Me, open a JPMorgan Personal Investing account and invest at least £500. You can choose from a Stocks and Shares ISA, Lifetime ISA, Junior ISA, Personal Pension, or General Investment Account.

4. Get your reward. Check the exact reward and timing shown on the Mention Me page when you sign up. Where the reward is the fee-free period, the 0% portfolio management fee rate lasts six months from the date it's applied.

See the current referral offer

On the next page, scroll down. The Mention Me page opens with JPMorgan's offer terms, and the email box and the Confirm email button sit underneath them. Keep scrolling through the terms until you reach the box. On a phone that usually takes two or three swipes.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

Can't find the email box? Scroll past the terms

Most people who get stuck on the referral link stop at the top of the page. The Mention Me page opens with a "you've been referred" message and then several paragraphs of JPMorgan's offer terms. The email box and the Confirm email button come after all of that text, so they are out of sight when the page loads.

Scroll down through the terms until you see a box that says "Enter your email address", type your email in, then tap Confirm email. On a phone it usually takes two or three swipes. Use the same email you will open your JPMorgan Personal Investing account with, or the referral may not track.

What you need to know before signing up

The offer is for new JPMorgan Personal Investing customers only. If you've previously invested through the platform (including when it was called Nutmeg), you won't be eligible for the referral reward.

Other key details to keep in mind:

Minimum investment: £500 or more into an eligible product, and not into a 100% cash pot.

Eligible products: Stocks and Shares ISA, Lifetime ISA, Junior ISA, Personal Pension, and General Investment Account.

Multiple products: Where the reward is the fee-free period, the 0% fee applies to all eligible products you open for the remainder of your promotional period. Junior ISAs must be opened in the same month as your first product to qualify.

Other charges still apply: A fee-free reward covers portfolio management fees only. Fund costs and other charges set out in JPMorgan's Schedule of Fees still apply during the promotional period.

Cannot be combined: Registering for the referral reward makes you ineligible for any other introductory offer from JPMorgan Personal Investing, so pick the one that suits you best.

30-day window: Your friend (that's you) must meet the eligibility criteria within 30 days of investing, otherwise the referral is cancelled.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Referral reward or JPMorgan's £100 offer?

JPMorgan also runs its own new-customer offer: £100 when you invest £1,000. You have to pay in at least £1,000 in one payment, keep it invested for six months, and transfers from another provider don't count. The £100 lands in your account within 55 days of the six months ending. Both offers are for new customers only, and you can only have one of them.

Which one is worth more depends on how much you invest. The referral reward removes the management fee for six months. On the managed styles (Fully Managed, Smart Alpha, SRI, Thematic and Income) that fee is 0.75% a year on the first £100,000, so six months off saves 0.375% of your balance. Here is roughly what that comes to if your balance stays the same for the six months:

So the crossover sits at about £26,700. Below that, JPMorgan's £100 is worth more. Above it, six months without the management fee saves you more, and the gap grows the more you put in. On Fixed Allocation pots the fee is 0.45%, so the crossover moves up to about £44,400.

The referral has two other advantages. It starts at £500 rather than £1,000, and it doesn't ask for a single lump sum, so it can suit you if you are starting small or moving a large ISA or pension across. Either way, fund costs and market spread still apply, and the figures above are a guide, because your balance will move with the markets.

Use the referral link

Why JPMorgan Personal Investing?

JPMorgan Personal Investing is the UK digital wealth management platform from J.P. Morgan, one of the world's largest financial institutions. It was previously known as Nutmeg and rebranded in November 2025. The products and services carried over from Nutmeg.

Portfolios are globally diversified, invested in ETFs, and managed by JPMorgan's in-house investment team. You pick a risk level and investment style, and they handle everything from there, including regular rebalancing. It's a hands-off approach that suits people who want expert management without picking individual investments.

If you bank with Chase UK, you can link the two accounts and see your pots in the Invest tab of the Chase app, and pay in from Chase by adding JPMorgan Personal Investing as a payee. The app also shows a Self-Managed investments section marked "Coming soon", with a waitlist for buying your own investments. JPMorgan hasn't published a launch date or fees for it yet.

The JPMorgan Personal Investing service guide covers the products, styles and fees in full.

For a more detailed look at the platform, fees, and who it suits, read our full JPMorgan Personal Investing review.

Frequently asked questions

Is JPMorgan Personal Investing the same as Nutmeg?

Yes. Nutmeg rebranded to JPMorgan Personal Investing in November 2025. The products, portfolios, and team are the same. If you had a Nutmeg account, it has carried over to the new brand automatically.

How much do I need to invest to get the referral offer?

You need to invest £500 or more and meet the criteria within your first 30 days. The money can't sit in a 100% cash pot.

Can I use this referral with a Stocks and Shares ISA?

Yes. The Stocks and Shares ISA is one of the eligible products. You can also use it with a Lifetime ISA, Junior ISA, Personal Pension, or General Investment Account.

Can I combine this with other JPMorgan offers?

No. Registering for the referral reward makes you ineligible for any other introductory offer from JPMorgan Personal Investing, including the £100 offer. So compare them first and choose the one that works best for you.

Is the referral better than JPMorgan's £100 offer?

It depends on how much you invest. Six months without the 0.75% management fee saves about 0.375% of your balance, which beats £100 once you invest more than about £26,700. Below that, the £100 offer is worth more, as long as you can pay in £1,000 in one go and leave it for six months.

Is JPMorgan Personal Investing regulated?

Yes. It is authorised and regulated by the Financial Conduct Authority (FCA reference: 552016) and covered by the Financial Services Compensation Scheme up to £85,000 per person per FCA-authorised firm.

Why can't I see the email field on the referral page?

The email box sits below JPMorgan's offer terms on the Mention Me page. Scroll down past the text and you will reach the box and the "Confirm email" button. On a phone it usually takes two or three swipes.

Disclaimer

This page is for informational purposes only and does not constitute financial advice or a personal recommendation. CoolCuration is not authorised by the Financial Conduct Authority and does not provide personalised financial guidance. Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results. Tax treatment depends on the individual circumstances of each client and may be subject to change in future. The offer, fees and terms can change or be withdrawn at any time, so always check the latest details and read JPMorgan's full terms and conditions before investing. If you are unsure whether an investment is right for you, consider speaking to a qualified financial adviser. This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.

Link and offers last checked on 26 October 2026.

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