You'll need to have a verified bank account saved in your Vanguard account before you can withdraw.
If you have cash available in your account, you can withdraw it following these steps:
Log into your account.
From the menu, go to 'Payments'
Choose the 'Money out' tab
Any money held as cash and available for withdrawal will be shown here. Choose 'Withdraw cash'.
Follow the on-screen instructions. When you withdraw cash, it can take 1 to 3 working days to be paid to your bank account.
You will see your withdrawal pending under Transactions then Cash statement tab. When this has been sent, you will see it as a completed transaction under the What's gone out column.
If your balance is invested, you will need to sell funds before you can withdraw.
If you are under 55
You cannot withdraw from your SIPP until you reach retirement age. You can transfer to another provider.
If you are over 55:
If you are:
- not yet in drawdown, or
- part in drawdown and part not in drawdown
To withdraw you will need to book an appointment with one of our Retirement Consultants. They will discuss the details with you and tell you how you could proceed. To book a call you will see a link on your secure account dashboard. You will only see this link when you have reached pension age, at 55.
If you are in drawdown
You can withdraw online. You will see a link on your secure account dashboard.
If you are the Registered Contact, you cannot withdraw funds from a Junior ISA. The child can withdraw when they are 18 and becomes the account holder.
The purpose of a Junior ISA is to invest for your child’s future. For this reason, HMRC has placed strict withdrawal regulations on this type of account.
You'll need to send us a secure message, including the amount you want to withdraw. We'll do the rest for you. The whole process – selling the funds and proceeds clearing in your bank account usually takes 7 to 12 working days depending on the fund's settlement period.
You can withdraw cash on the app if you have a Stocks and Shares ISA or General Account.
- Go to your account details screen and select 'Your funds' underneath the 'Invest' button.
- Read the information on the following screen and select 'Withdraw cash' if you want to proceed.
- Enter the amount you want to withdraw and select 'Next'. Check the order and select 'Submit'.
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