Updated September 28, 2026 · SumCue Editorial Team
Raisin vs Vanguard Investor UK
Raisin
Higher score in this comparison
Vanguard Investor UK
What sets them apart
| Compare | RaisinReviewSee alternativesSee alternatives | Vanguard Investor UKReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £100Lower | £500 |
| Account fee | £0Lower | £48 |
| Regulators | Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76) | Financial Conduct Authority (FCA) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | ISA | ISA, SIPP, JisaCovers more |
| Markets | Not confirmed | ETFs, Funds |
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
- Regulators: only Raisin offers Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76).
- Regulators: only Vanguard Investor UK offers Financial Conduct Authority (FCA).
- Founded is lower at Vanguard Investor UK: 1975 vs 2012.
- Raisin is available in 9 more countries.
- Minimum deposit is lower at Raisin: £100 vs £500.
- Account fee is lower at Raisin: £0 vs £48.
- Account types: only Vanguard Investor UK offers SIPP, Jisa.
- Support channels: only Raisin offers Email, Help centre.
- Pricing model: only Raisin offers No monthly fee.
- Pricing model: only Vanguard Investor UK offers Low fees.
Our verdict on each
Raisin
Raisin is a savings marketplace with an easy-access account, an ISA and no monthly charge, so it suits UK savers who want one place to hold cash. Its headline rate of 4.15% sits above the 3% median across the site, and the minimum deposit starts at £100.
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 | Raisin | Vanguard Investor UK |
|---|---|---|
| Cost | 8.8HigherAccount fee and monthly fee are £0 and £0, and the headline rate of 4.15% sits above the site median of 3%. | 8.2Management fee of 0.2% against a site median of 0.35%, plus an account fee of £48. |
| Offer | 8.9Higher | 8.8 |
| Trust | 8.7 | 9.2Higher |
Which one suits you
Pick Raisin if cost, minimum deposit, and account fee matter most.
Pick Vanguard Investor UK if trust and account types matter most.
What each covers
| Account types | Raisin | Vanguard Investor UK |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | No | Yes |
| Jisa | No | Yes |
How they place
| Ranking | Raisin | Vanguard Investor UK |
|---|---|---|
| Investing | 280 of 654 | 287 of 654 |
| Robo-advisors | 85 of 154 | 89 of 154 |
| Stocks and shares ISAs | 12 of 25 | 13 of 25 |
Every fact side by side
| Fact | Raisin | Vanguard Investor UK |
|---|---|---|
| Pricing model | No monthly fee | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Raisin SE | Vanguard Asset Management |
| Headquarters | Germany | Not confirmed |
| Founded | 2012 | 1975Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone |
Savings
| Fact | Raisin | Vanguard Investor UK |
|---|---|---|
| Headline rate | 4.15% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
| Access terms | Easy access savings account on the Raisin UK marketplace: top up and withdraw at your convenience, no fixed term | Not confirmed |
| Monthly fee | £0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Robo-advisors
| Fact | Raisin | Vanguard Investor UK |
|---|---|---|
| Management fee | 0%Lower | 0.2% |
| Minimum investment | $1 | £500 |
| Portfolio types | Cash | ETF |
Where each stands against the rest
| Fact | Raisin | Vanguard Investor UK | Median |
|---|---|---|---|
| Minimum deposit | £100above the median | £500highest quarter | £15 |
| Account fee | £0at the median | £48highest quarter | £0 |
Median across 24 listed providers.
Pros and cons
Raisin
Pros
- The account fee and monthly fee are £0 and £0, so holding cash costs nothing
- The headline rate of 4.15% is above the site median of 3%
- The account is easy access, so you can top up and withdraw with no fixed term
Cons
- Protection on investments is EU ICS up to EUR 20,000, well below the FSCS up to GBP 85,000 that covers savings
- The rate is variable, so the headline figure can move
- The minimum deposit of £100 is above the €0.88 median across the site
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
Raisin
Who it suits
- UK savers who want a variable rate and no monthly charge
- Anyone holding an ISA who values easy access over a fixed term
- Savers comfortable choosing a marketplace rather than a single bank's savings account
Who should look elsewhere
- Vantage or eToro readers who want to pick and trade investments rather than hold savings
- Vivid Plus readers who want a multi-currency account with a card
- Anyone whose balance sits above the protection on investments
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
Raisin
Current offer
Bonus
Earn up to $1,000 cash bonus: up to $1,000
New customers only, qualifying balances, code STACK
Source, checked September 26, 2026
Country by country
| Country | Raisin | Vanguard Investor UK |
|---|---|---|
| Austria | Yes | No |
| Finland | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Netherlands | Yes | No |
| Poland | Yes | No |
| Spain | Yes | No |
8 of 10 countries where either is available.
Questions about each
Raisin
What rate does Raisin pay on its easy-access savings account?+
The easy-access account pays a variable rate of 4.15%. Because the rate type is variable, that figure can change, so the headline number is a starting point rather than a promise. The account carries no fixed term.
Is there any monthly or account fee at Raisin?+
No. The account fee is £0 and the monthly fee is £0, so there is no monthly charge on the easy-access account. The account kind is easy access, which suits a no monthly fee model.
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
Raisin
Vanguard Investor UK