Updated September 28, 2026 · SumCue Editorial Team
Vanguard Investor UK vs Wealthify
Vanguard Investor UK
Higher score in this comparison
Wealthify
Vanguard Investor UK vs Wealthify: the differences
| Compare | Vanguard Investor UKReviewSee alternativesSee alternatives | WealthifyReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £500Lower | £1,000 |
| Markets | ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Account types | ISA, SIPP, JisaCovers more | ISA, SIPP |
| Account fee | £48 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | No fees for deposits, withdrawals or transfers |
| Platforms | Not confirmed | Web, iOS app, Android app |
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 8.7.
- Regulators: only Vanguard Investor UK offers Financial Conduct Authority (FCA).
- Regulators: only Wealthify offers Financial Conduct Authority.
- Founded is lower at Vanguard Investor UK: 1975 vs 2016.
- Minimum deposit is lower at Vanguard Investor UK: £500 vs £1,000.
- Markets: only Wealthify offers Stocks, Bonds.
- Account types: only Vanguard Investor UK offers Jisa.
- Support channels: only Wealthify offers Email, Chat, Help centre.
Our verdict on each
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.
Wealthify
Wealthify is a straightforward robo-advisor for beginners who want a pension or ISA built for them and left alone. Cost is the weak point: a £1,000 deposit and a £1,000 to £5,000 minimum investment leave it at 68 of 82 on our data.
Score breakdown
| Area | Vanguard Investor UK | Wealthify |
|---|---|---|
| Cost | 8.2Management fee of 0.2% against a site median of 0.35%, plus an account fee of £48. | 8.5Higher |
| Offer | 8.8 | 9.2Higher |
| Trust | 9.2Higher | 8.5 |
Where these facts come from
Vanguard Investor UK
- moneytothemasses.com: 7 facts, checked September 26, 2026
- vanguardinvestor.co.uk: 4 facts, checked September 26, 2026
Wealthify
- wealthify.com: 12 facts, checked September 26, 2026
How they place
| Ranking | Vanguard Investor UK | Wealthify |
|---|---|---|
| Investing | 287 of 654 | 306 of 654 |
| Stock and ETF brokers | 209 of 358 | 222 of 358 |
| Robo-advisors | 89 of 154 | 96 of 154 |
| Stocks and shares ISAs | 13 of 25 | 16 of 25 |
| Pensions and SIPPs | 9 of 23 | 12 of 23 |
Every fact side by side
| Fact | Vanguard Investor UK | Wealthify |
|---|---|---|
| Features | Not confirmed | Mobile app |
| Pricing model | Low fees | Low fees |
| Audience | Beginners | Beginners |
| Legal entity | Vanguard Asset Management | Wealthify Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | 1975Lower | 2016 |
| Support channels | Phone | Email, Chat, Phone, Help centreCovers more |
Robo-advisors
| Fact | Vanguard Investor UK | Wealthify |
|---|---|---|
| Management fee | 0.2%Lower | 0.6% |
| Minimum investment | £500Lower | £1,000 to £5,000 |
| Portfolio types | ETF | ESG, Cash |
Where each stands against the rest
| Fact | Vanguard Investor UK | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £1,000highest quarter | £15 |
| Account fee | £48highest quarter | Not confirmed | £0 |
Median across 24 listed providers.
Pros and cons
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.
Wealthify
Pros
- Deposits, withdrawals and transfers are free of charge, so moving money in and out adds nothing to the cost of holding a portfolio.
- Support runs on email, chat and phone, so help is available by phone and chat as well as in writing.
- The account range covers an ISA and a SIPP: isa and sipp, the two wrappers most UK first time savers open first.
Cons
- The 0.6% management fee is above the 0% listed for eToro and the 0% listed for Empower Personal Dashboard.
- A £1,000 deposit and a £1,000 to £5,000 minimum investment put the starting point far above the $100 at Axos Invest.
- Account choice is narrow: isa and sipp is the full list, so there is no general investment account for money held outside a tax wrapper.
Who each suits
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.
Wealthify
Who it suits
- Beginners who want the picking done for them: the stated audience is beginners.
- Savers putting money into an ISA or a pension: isa and sipp.
- People who want help by phone rather than by message alone: email, chat and phone.
Who should look elsewhere
- Anyone starting with a small sum, because the £1,000 to £5,000 minimum investment is far above the $100 at Axos Invest.
- Readers who weigh only ongoing cost, since 0.6% is above the 0% at eToro and the 0% at Empower Personal Dashboard.
Country by country
| Country | Vanguard Investor UK | Wealthify |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
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.
Wealthify
What does it cost to run an account with Wealthify?+
The headline cost is a management fee of 0.6% on the value of the portfolio you hold. Money movement is free: there is no charge for deposits, withdrawals or transfers, so adding or taking out money does not add a provider bill. The management fee is therefore the only line worth tracking.
How much do I need to put in to start?+
You need a deposit of £1,000 to get going, and the investment itself is £1,000 to £5,000. That range matters for anyone testing the water, since the lower end decides what the management fee works out at in cash terms. Both figures are in pounds, so the arithmetic stays in sterling.
Other options to compare
Other matchups
Vanguard Investor UK
Wealthify