Updated September 28, 2026 · SumCue Editorial Team
Police Friendly vs Vanguard Investor UK
Police Friendly
Higher score in this comparison
Vanguard Investor UK
What sets them apart
| Compare | Police FriendlyReviewSee alternativesSee alternatives | Vanguard Investor UKReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £50Lower | £500 |
| Markets | Stocks, Funds | ETFs, Funds |
| Regulators | Financial Conduct Authority / Prudential Regulation Authority | Financial Conduct Authority (FCA) |
| Account types | ISA, Lisa, Jisa | ISA, SIPP, Jisa |
| Account fee | Not confirmed | £48 |
| Deposit and withdrawal fees | 25% government charge on non-qualifying withdrawals | 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
- Police Friendly scores higher overall: 9.0 vs 8.8.
- Regulators: only Police Friendly offers Financial Conduct Authority / Prudential Regulation Authority.
- Regulators: only Vanguard Investor UK offers Financial Conduct Authority (FCA).
- Founded is lower at Police Friendly: 1893 vs 1975.
- Minimum deposit is lower at Police Friendly: £50 vs £500.
- Markets: only Police Friendly offers Stocks.
- Markets: only Vanguard Investor UK offers ETFs.
- Account types: only Police Friendly offers Lisa.
- Account types: only Vanguard Investor UK offers SIPP.
- Support channels: only Police Friendly offers Email.
Our verdict on each
Police Friendly
Police Friendly runs a UK stock and shares ISA, LISA and JISA range from £50, run by Metropolitan Police Friendly Society Limited. It suits savers building a tax sheltered pot in stocks and funds who value a named legal entity and FSCS cover, and who can leave the money invested.
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 | Police Friendly | Vanguard Investor UK |
|---|---|---|
| Cost | 8.7HigherOpening a stocks and shares ISA, LISA or JISA needs £50, and a non qualifying withdrawal carries 25% government charge on non-qualifying withdrawals. | 8.2Management fee of 0.2% against a site median of 0.35%, plus an account fee of £48. |
| Offer | 9.0Higher | 8.8 |
| Trust | 9.2 | 9.2 |
Where they rank in our lists
| Ranking | Police Friendly | Vanguard Investor UK |
|---|---|---|
| Investing | 210 of 654 | 287 of 654 |
| Stock and ETF brokers | 153 of 358 | 209 of 358 |
| Stocks and shares ISAs | 7 of 25 | 13 of 25 |
Availability and regulation
| Country | Police Friendly | Vanguard Investor UK |
|---|---|---|
| United Kingdom |
Available in 1 country for both.
What each covers
| Markets | Police Friendly | Vanguard Investor UK |
|---|---|---|
| Stocks | Yes | No |
| ETFs | No | Yes |
| Funds | Yes | Yes |
| Account types | Police Friendly | Vanguard Investor UK |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | No | Yes |
| Lisa | Yes | No |
| Jisa | Yes | Yes |
Where these facts come from
Police Friendly
- policefriendly.org.uk: 10 facts, checked September 26, 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 | Police Friendly | Vanguard Investor UK |
|---|---|---|
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Metropolitan Police Friendly Society Limited | Vanguard Asset Management |
| Headquarters | United Kingdom | Not confirmed |
| Founded | 1893Lower | 1975 |
| Support channels | Email, PhoneCovers more | Phone |
Robo-advisors
| Fact | Police Friendly | 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 | Police Friendly | Vanguard Investor UK | Median |
|---|---|---|---|
| Minimum deposit | £50above the median | £500highest quarter | £15 |
| Account fee | Not confirmed | £48highest quarter | £0 |
Median across 24 listed providers.
Pros and cons
Police Friendly
Pros
- Three tax sheltered options in one place: an ISA, a LISA and a JISA
- Low entry point at £50 to open
- Stocks and funds available to invest through stocks and funds
Cons
- A non qualifying withdrawal is hit by 25% government charge on non-qualifying withdrawals
- Investments are limited to stocks and funds, with no wider market list given
- Support runs on email and phone only
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
Police Friendly
Who it suits
- UK savers building a tax sheltered pot for the long term
- Parents saving for a child through the JISA account type
- Savers who want a named legal entity behind the account
Who should look elsewhere
- People trading shares frequently, since investable markets run to stocks and funds
- Anyone likely to need the money early, because of 25% government charge on non-qualifying withdrawals
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.
Current offers
Police Friendly
Current offer
Bonus
Open a Lifetime ISA - Earn up to GBP50 in Gift Cards: Up to GBP50 gift card
Pay GBP100 or more per month, or GBP50+ with Escalator; GBP30-99 gets GBP25; quote AUTUMN26
Source, checked September 26, 2026
Country by country
| Country | Police Friendly | Vanguard Investor UK |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Police Friendly
What accounts can I open with Police Friendly?+
You can open an individual savings account, a lifetime individual savings account or a junior individual savings account. The range is listed at isa, lisa and jisa. The account runs under Metropolitan Police Friendly Society Limited.
How much do I need to put in to start?+
The minimum deposit is £50, which is a low starting point for a tax sheltered account. Once the account is open you can invest that money in the assets listed at stocks and funds.
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
Police Friendly
Vanguard Investor UK