The scores
St. James's Place scores 2.6 out of 5 on Apple App Store (UK) from 437 ratings. Read the volume alongside the score before drawing conclusions from it.
Review scores by platform
Apple App Store (UK)
2.6/ 52.6 out of 5
Based on 437 ratings.
Retrieved 21 July 2026.
Read St. James's Place reviews on Apple App Store (UK)(opens Apple App Store (UK) in a new tab)
Scores are whatever the platform showed on the date given. They move.
What reviewers praise
- The value people describe is the adviser relationship rather than the software
- Clients cite the breadth of the service: pensions, investments, protection and estate planning handled in one place
What reviewers complain about
- The App Store score above rates the SJP client app, not the advice service, and should be read that way
- Charges are the recurring theme in public commentary, which is why SJP restructured them into separate components in August 2025
- The app is a valuation viewer rather than a planning tool, which limits what clients can do between reviews
What reviewers keep asking for
- No way to model your own scenarios between adviser meetings
- No self-serve view of what a different contribution or retirement date would do to the plan
- Charges that scale with the portfolio, where a flat software fee would not
How it compares feature by feature
This page is about what users say. For the feature comparison, see Delphina vs St. James's Place.
What reviewers asked for that is missing
Those requests are roughly what Delphina is for. It is UK-first, so pensions, ISAs and UK tax are the default rather than a workaround, and the projections run to retirement rather than to month end.
It is not a replacement for what St. James's Place is good at, and plenty of people sensibly run both. The free plan is £0, no card.
More on St. James's Place
St. James's Place: common questions
Yes. St. James's Place is an established product in the investing category, with 437 ratings on Apple App Store (UK).
The App Store score above rates the SJP client app, not the advice service, and should be read that way. Charges are the recurring theme in public commentary, which is why SJP restructured them into separate components in August 2025. The app is a valuation viewer rather than a planning tool, which limits what clients can do between reviews.
Not in any dedicated way. St. James's Place is built for people with a substantial portfolio who want a named human adviser handling everything, and UK pension and ISA rules are not part of that. Delphina is built around them, if that is the gap you are trying to close.
Read the volume as well as the score. Apple App Store (UK) shows 437 ratings, and a score built on a small number of reviews moves a long way on a handful of opinions. The same caveat applies to every product in this category, ours included.