Opening an account


We offer 4 types of accounts:

  • Personal Pension
  • Stocks and Shares ISA
  • Junior ISA
  • General Account

Before you start:

  • you must be 18 years old
  • you must be a UK resident or Crown employee serving overseas. If you live in the Channel Islands or Isle of Man, you cannot open an account

Find out if you were UK resident for specific tax years

Read about the Statutory Residence Test (SRT)


You can find out more about the different types of account we offer. Then choose the style of investing you want to go for.

General Account or Stocks and Shares ISA

Information we ask for:

  • name, address and mobile phone number
  • date of birth
  • debit card details (if you’re making a lump sum payment)
  • bank account details (if you’re making a regular payment by Direct Debit)
  • National Insurance number

If opening an ISA, you must not pay in more than the annual ISA allowance of £20,000.

Personal Pension

Information we ask for:

  • name, address and mobile phone number
  • date of birth
  • debit card details (if you’re making a lump sum payment)
  • bank account details (if you’re making a regular payment by Direct Debit)
  • National Insurance number
  • age you plan to retire

Junior ISA

Anyone who is a parent or legal guardian of a child and is a UK resident can open a Junior ISA account for their child. You cannot open a Junior ISA for your child if they already have a <Child Trust Fund account>

If you are the parent or Registered Contact for a child, you can open a Junior ISA within your existing Vanguard account, you will need to confirm you have parental responsibility.

Information we ask for:

  • the child’s name
  • the child’s date of birth
  • the child’s address
  • the child’s National Insurance number, if they have one

How to open an account

If you are a new client:

  • Go to

    Open an account
  • Choose 'New to Vanguard? Start my application'.

  • Choose which type of account.

  • Follow the steps in the application.

You will need to enter your personal Information:

  • name, address and mobile phone number

  • date of birth

  • debit card details (if you’re making a lump sum payment)

  • bank account details (if you’re making a regular payment by Direct Debit) 

  • National Insurance number

If you already have an account with us

You can open and manage multiple Vanguard accounts using the same username and password. For example, if you already have a Stocks and Shares ISA you could open a Personal Pension using the same login details.

  • Log in to your account.

  • From the left-hand menu, choose 'Open new account'.

  • Select the account type you’d like to open and follow the on-screen instructions.

Paying into your account

You can either:

  • make a single payment of at least £500 with a debit card

  • set up a regular payment for at least £100 per month

  • transfer from another provider

  • pay by business debit card (pension only) - you must be a director or shareholder of a limited company

Accounts we do not offer

  • Business

  • Joint 

  • Trust 

Other providers might so it’s worth having a look around.

Need more help?

Our UK-based team is ready to answer your questions

Do you have a Vanguard account?

Getting help in difficult circumstances

Please contact us if you’re having financial difficulties, navigating a difficult time in your life, or if your mental wellbeing is affected. This happens to many in these uncertain times. We’re here to help.

Have a complaint?