ENDING: Collect between 5,000 and 250,000 Avios (or cashback) with J.P. Morgan Personal Investing’s transfer offer
This is an advertisement for J.P. Morgan Personal Investing Limited. J.P. Morgan Personal Investing has agreed to pay the publisher an award for new clients acquired via the promotion of its services on this site. Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority. Approved by J.P. Morgan Personal Investing on 15th January 2026.
J.P. Morgan Personal Investing is offering you the chance to collect between 5,000 and 250,000 Avios (or Cashback of between £50 and £2,500) when you transfer at least £5,000 from ISAs, Junior ISAs or child trust funds, Lifetime ISAs or pensions by 8th May 2026.
This offer is available for those aged 18+ and UK residents only. Terms and Conditions apply.
J.P. Morgan Personal Investing is a digital wealth manager, part of the J.P. Morgan Chase family, that builds and manages diverse investment portfolios, using technology to help keep charges low.
The Avios collection and Cashback tiers are linked to how much you transfer during the promotion, resulting in a maximum reward of 250,000 Avios or £2,500.
How the offer works
There are seven reward tiers and it is important to note that the reward you will receive will be based on the total value of all completed ISA or pension transfers. If you make more than one ISA or pension transfer your reward will be based on the combined amount.
You will receive either the Cashback or the Avios and not both. You can choose between the Cashback or Avios reward when you fill in your offer registration.
Here is the tiered earning structure:
| Transfer Value | Cashback Reward | Avios Reward |
| £250,000+ | £2,500 | 250,000 |
| £150,000 – £249,999 | £1,500 | 150,000 |
| £100,000 – £149,999 | £1,000 | 100,000 |
| £50,000 – £99,999 | £500 | 50,000 |
| £25,000 – £49,999 | £250 | 25,000 |
| £10,000 – £24,999 | £100 | 10,000 |
| £5,000 – £9,999 | £50 | 5,000 |
The Cashback reward is paid into your J.P. Morgan Personal Investing account as unallocated cash, which you can allocate to an investment pot of your choice. You can also choose to withdraw the investment boost if you wish.
How much can I transfer?
The offer is open to new and existing customers who make transfers of ISAs and pensions from other providers to J.P. Morgan Personal Investing during the promotional period.
To qualify, the total combined value of all ISA and pension transfers must be at least £5,000. You can transfer less than this, but you will not receive Avios or Cashback.
You must keep at least £5,000 of the transfer invested with J.P. Morgan Personal Investing during the Promotional Period (that is, by 8th May 2026) invested for the Investment Period (a full year between 8th May 2026 and the end of 8th May 2027).
There is no upper limit to the amount you can transfer, but the maximum Avios reward you can collect is 250,000, and the maximum Cashback reward you can get is £2,500, when you transfer a total of £250,000 or more.
Which products are included in the offer?
This offer is for the Stocks and Shares ISA, Junior ISA and Lifetime ISA transfers as well as pension transfers.
J.P. Morgan Personal Investing offers six investment styles to pick from:
- Fully Managed – These portfolios are proactively managed by J.P. Morgan Personal Investing’s experienced investment team who make strategic adjustments to try and mitigate against losses and boost returns.
- Smart Alpha Portfolios powered by J.P. Morgan Asset Management – Smart Alpha portfolios combine J.P. Morgan Personal Investing’s core investment principles, ETF and fractional investment expertise, with the in-house, multi-asset knowledge and experience of one of the world’s leading investment houses.
- Income Investing – This style aims to pay you a monthly income from your ISA or General Investment Account, while also growing your wealth. You can start with with £10,000 or more, and it will be invested into ETFs likely to pay dividends.
- Socially Responsible – Like the Fully Managed style, these portfolios are proactively managed by J.P. Morgan Personal Investing’s investment team and place an emphasis on investments in companies and bond issuers that take into account certain environmental, social and governance considerations.
- Thematic Investing – Invest in industries you believe will shape the future, for long term success. The focus is on long term growth, investment in passive EFTs and actively managed and adjusted while being tilted towards your chosen theme.
- Fixed Allocation – These portfolios are designed to perform with less intervention by J.P. Morgan’s Personal Investing’s investment team. The portfolios are automatically rebalanced to ensure your investments match your risk level, but the assets will only be reviewed once a year to make sure they’re still right for you.
J.P. Morgan Personal Investing latest awards
J.P. Morgan Personal Investing is well-respected by the investment industry and consistently wins awards for its products and services.
Some of the most recent accolades include the Boring Money Best Buy ISA 5 Years Running 2025, Boring Money Best App 2025 and Boring Money Best for Customer Service 2025 awards.
How do I apply?
You must register for the offer by completing this application form.
If you wish to collect the Avios reward, make sure you have a British Airways Club account before you apply, as you will need to input your account number into the application form at this stage.
Once you have input your email address, British Airways Club number and ticked to say if you are an existing J.P. Morgan Personal Investing customer, you click ‘Get started’. You will then be prompted to either log in (if you are already a J.P. Morgan Personal Investing customer) or to create an account.
Once you’re in your dashboard, just click ‘Transfers’ on the left-hand side. You have until the end of the day on 8th May 2026 to make your transfers.
If all criteria are met, and you selected the Avios reward, you will receive your reward fifty five days after end of the Investment Period. If you have opted for the Cashback reward, your cash will be available to invest sixty days after the end of the Investment Period. You can see the full list of terms and conditions here.
ISA and Pension transfers initiated before the promotion ends will be eligible. The transfer does not necessarily have to complete by the offer end date.
Remember, as with all investing, your capital is at risk. The value of your portfolio with J.P. Morgan Personal Investing can go down as well as up and you may get back less than you invest. ISA and Pension eligibility and tax rules apply.
Before you transfer, check you won’t lose any guarantees or benefits and that you know what charges you may incur. During any transfer, your investments will be out of the market. If you are unsure if an ISA or pension is right for you, please seek financial advice.