To help you save you time, avoid unnecessary disappointment and ensure the smoothest service possible, here are a few tips for adding money to your Vanguard accounts – whether an individual savings account (ISA/Junior ISA), general account and/or self-invested personal pension (SIPP).

Card payment

  • For debit card deposits, please note that your bank is likely to have a daily limit on your online card transactions. Please contact your bank first before making a large deposit and ask them to increase this limit. Alternatively, you can make several smaller payments.
  • If your payment has been unsuccessful you can go to ‘Transactions’ > ‘Cash Statement’ where you will be given the option to either ‘Pay Now’ or ‘Cancel Order’. Pay Now will be available for 24 hours and allow you to reattempt the payment and any associated buy orders will be placed. Cancel Order will cancel the payment and any associated orders. (Note: for ISA accounts this will reset your ISA allowance balance to what it was prior to the unsuccessful payment).
  • Make sure to check all your debit card details carefully (including name and address), as any mistakes, however small, can often lead to failed payments. 
  • When trying again it sometimes also helps to clear your browsing history and/or to make the payment with a different browser.  
  • Please note: you cannot use a credit card to fund your Vanguard accounts and you can only make payments using a debit card issued by a UK bank or building society.
  • Make your deposit as early in the day as possible and during normal business hours, so you’re able to get help from your bank, if needed.

Regular payments

Regular payments will automatically stop if you reach your annual ISA or Junior ISA limits in any one tax year. So, if this applies to you, remember to set them up again in the new tax year. (If you don’t reach your annual allowance limit, the payments continue uninterrupted.)

Company payments

  • You can make single payments using a company debit card from a UK bank account.
  • If it’s the first time you’ve done this, we’ll need to verify your company. We’ll need a few details like your company’s registered business number and the number of shareholders. Verifying your company can take a few weeks but you can make one company payment while you wait.
  • You’ll need to be a registered company director or shareholder of the business. Find out more about making company contributions to your pension.
  • Company payments made into personal pensions by business owners should not be confused with other work-related pensions. Your employer cannot make payments into your Vanguard Personal Pension.

Please note that cash added using a debit card won't be available to invest until the money clears on the next business day. However, as long as the deposit is in your Vanguard account, it will count towards the tax year in which you completed it.

If you have any further concerns or queries, please visit our website’s Help and Support pages. Additionally, we answer your 10 most common questions here.

Investment risk information

The value of investments, and the income from them, may fall or rise and investors may get back less than they invested.

Eligibility to invest in a Vanguard Personal Pension depends on your individual circumstances. Please be aware that pension and tax rules may change in the future and the value of investments can go down as well as up, so you might get back less than you invested. You cannot usually access your pension savings or make any withdrawals until the age of 55.

The eligibility to invest in either ISA or Junior ISA depends on individual circumstances and all tax rules may change in future.

Important information

Vanguard Asset Management Limited only gives information on products and services and does not give investment advice based on individual circumstances. If you have any questions related to your investment decision or the suitability or appropriateness for you of the product[s] described, please contact your financial adviser.

This article is designed for use by, and is directed only at persons resident in the UK.

The information contained herein is not to be regarded as an offer to buy or sell or the solicitation of any offer to buy or sell securities in any jurisdiction where such an offer or solicitation is against the law, or to anyone to whom it is unlawful to make such an offer or solicitation, or if the person making the offer or solicitation is not qualified to do so. The information does not constitute legal, tax, or investment advice. You must not, therefore, rely on it when making any investment decisions.

The information contained herein is for educational purposes only and is not a recommendation or solicitation to buy or sell investments.

Issued by Vanguard Asset Management Limited, which is authorised and regulated in the UK by the Financial Conduct Authority.

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