Updated October 18, 2026 · SumCue Editorial Team
ii vs Vanguard Investor UK
ii
Vanguard Investor UK
Higher score in this comparison
ii vs Vanguard Investor UK: the differences
| Compare | iiReviewSee alternativesSee alternatives | Vanguard Investor UKReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £0Lower | £500 |
| Account fee | £71.88 | £48Lower |
| Markets | Stocks, ETFs, Funds, BondsCovers more | ETFs, Funds |
| Regulators | Financial Conduct Authority | Financial Conduct Authority (FCA) |
| Account types | ISA, SIPP, Jisa, JointCovers more | ISA, SIPP, Jisa |
| Stock trade fee | £3.99 | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
| Deposit and withdrawal fees | Free transfers in/out; free next-day withdrawals, GBP15 same-day | Not confirmed |
| Platforms | Mobile app | Not confirmed |
| Interest on cash | 0.8% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Vanguard Investor UK scores higher overall: 8.8 vs 8.6.
- Regulators: only ii offers Financial Conduct Authority.
- Regulators: only Vanguard Investor UK offers Financial Conduct Authority (FCA).
- Minimum deposit is lower at ii: £0 vs £500.
- Account fee is lower at Vanguard Investor UK: £48 vs £71.88.
- Markets: only ii offers Stocks, Bonds.
- Account types: only ii offers Joint.
- Support channels: only ii offers Help centre.
Our verdict on each
ii
ii suits investors who want tax efficient and family accounts with ISA, SIPP and jisa alongside stocks, ETFs and funds through Mobile app. Stock trades cost £3.99 and the account fee is £71.88, so active traders should balance dealing charges against portfolio growth.
Vanguard Investor UK
Vanguard Investor UK is a low-cost, fund-first platform for beginners, charging a management fee of 0.2% a year on ISA, SIPP and JISA accounts. It suits savers who want a set-and-forget portfolio, though the account fee of £48 makes it weaker for those who trade in small, frequent amounts.
Score breakdown
| Area | ii | Vanguard Investor UK |
|---|---|---|
| Cost | 8.6HigherLow entry hurdle with minimum deposit of £0 balanced by dealing charges | 8.2Management fee of 0.2% against a site median of 0.35%, plus an account fee of £48. |
| Offer | 8.9HigherChoice across stocks, ETFs and funds held within ISA, SIPP and jisa via Mobile app | 8.8 |
| Trust | 8.5Oversight from Financial Conduct Authority with cover of FSCS up to GBP 85,000 | 9.2Higher |
Positions in our rankings
| Ranking | ii | Vanguard Investor UK |
|---|---|---|
| Investing | 322 of 654 | 287 of 654 |
| Stock and ETF brokers | 234 of 358 | 209 of 358 |
| Stocks and shares ISAs | 17 of 25 | 13 of 25 |
| Pensions and SIPPs | 13 of 23 | 9 of 23 |
What we checked
ii
- ii.co.uk: 16 facts, checked September 28, 2026
Vanguard Investor UK
- moneytothemasses.com: 7 facts, checked September 26, 2026
- vanguardinvestor.co.uk: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | ii | Vanguard Investor UK |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Pricing model | Low fees | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Interactive Investor Services Limited | Vanguard Asset Management |
| Headquarters | United Kingdom | Not confirmed |
| Founded | Not confirmed | 1975 |
| Support channels | Phone, Help centreCovers more | Phone |
Robo-advisors
| Fact | ii | Vanguard Investor UK |
|---|---|---|
| Management fee | Not confirmed | 0.2% |
| Minimum investment | Not confirmed | £500 |
| Portfolio types | Not confirmed | ETF |
Where each stands against the rest
| Fact | ii | Vanguard Investor UK | Median |
|---|---|---|---|
| Minimum deposit | £0lowest quarter | £500highest quarter | £15 |
| Stock trade fee | £3.99highest quarter | Not confirmed | £0 |
| Account fee | £71.88highest quarter | £48highest quarter | £0 |
| Currency conversion fee | 0.75%above the median | Not confirmed | 0.4% |
| Interest on cash | 0.8%lowest quarter | Not confirmed | 2.875% |
Median across 77 listed providers.
Pros and cons
ii
Pros
- Begin with £0 and invest across stocks, ETFs and funds without funding pressure
- Hold ISA, SIPP and family accounts through ISA, SIPP and jisa in a single provider
- Cover of FSCS up to GBP 85,000 under Financial Conduct Authority for added assurance
Cons
- Account fee of £71.88 applies whether you trade or leave holdings untouched
- Stock trades cost £3.99 versus $0 at ActivTrades
- Foreign trades carry conversion costs of 0.75% on top of dealing charges
Vanguard Investor UK
Pros
- ISA, SIPP and JISA are all available, as isa, sipp and jisa shows, so one platform covers a pension, a junior account and a tax-free wrapper.
- Regulated by the Financial Conduct Authority, per Financial Conduct Authority (FCA), with Financial Services Compensation Scheme cover on investments.
- Portfolios are built from ETFs, as etf shows, keeping the range in etfs and funds narrow and focused on funds and ETFs.
Cons
- The account fee of £48 a year ranks 125 of 142 brands on that measure.
- The minimum deposit of £500 sits at 192 of 218 brands compared, which is a high bar for a small first payment.
- Support runs on phone only, so anyone who prefers written or live chat help has a single route.
Who each suits
ii
Who it suits
- Investors building ISA and SIPP holdings with junior and joint accounts included
- Buy and hold investors focused on shares, funds and bonds with mobile access
Who should look elsewhere
- Traders sensitive to per order costs may prefer ActivTrades where stock trade fee is $0 rather than £3.99
- Investors comparing entry levels may consider XTB with minimum deposit of €0 or eToro with minimum deposit of $50
Vanguard Investor UK
Who it suits
- Beginners who want a set-and-forget portfolio, matching the beginners focus in beginners.
- Savers who want a tax-free or pension wrapper, since ISA, SIPP and JISA sit in isa, sipp and jisa.
- Long-term investors who prefer broad funds and ETFs over single shares, per etfs and funds.
Who should look elsewhere
- Anyone after an active trading platform with a very low entry point: CFI takes a minimum deposit of $0 and suits traders rather than fund buyers.
- People who want a plain cash account instead of an investment account: bunq opens from a minimum deposit of €10 with no portfolio to hold.
- Borrowers rather than investors: Fiesta Credito MX is supervised by CONDUSEF, as CONDUSEF shows, and serves Mexican credit needs.
Country by country
| Country | ii | Vanguard Investor UK |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
ii
What does ii charge for share dealing and account holding?+
Stock trades cost £3.99 and the account fee is £71.88. The account fee covers holding of investments across wrappers and applies on top of dealing charges. Check how often you expect to trade before judging value against infrequent use.
Is ii regulated and is money protected?+
ii is provided by Interactive Investor Services Limited and regulated by Financial Conduct Authority. Client cover is FSCS up to GBP 85,000. Protection applies within scheme limits and does not remove market risk, so holdings can still fall in value.
Vanguard Investor UK
What does Vanguard Investor UK charge?+
The platform takes a management fee of 0.2% on your holdings, plus an account fee of £48 for the ISA, SIPP and JISA accounts listed in isa, sipp and jisa. The total charge therefore works out as a percentage of what you hold plus a flat amount each year, which is easy to compare with flat-fee rivals.
Is my money protected at Vanguard Investor UK?+
Vanguard Investor UK is regulated by the Financial Conduct Authority, as Financial Conduct Authority (FCA) shows, which means it must follow UK rules on client money. Investor protection runs through the Financial Services Compensation Scheme, covering eligible claims up to the cap the provider states rather than the full value of a portfolio.
Other options to compare
Other matchups
Vanguard Investor UK