Vanguard App Reviews

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Great etfs, terrible brokerage account. Vanguard may have the best ETFs but when you’re thinking about an actual brokerage account to get, you should look elsewhere. Vanguard lacks basic amenities that you probably take for granted if you use just about any other firm. For example, there is literally no way to set up recurring purchases of their ETFs - only their mutual funds. There are also no fractional shares for ETFs. You will encounter a variety of other issues, large and small, too many to list here. The iPhone app itself is OK, but nothing to write home about, and has an overbearing security stance that already got me locked out once. Or check out Vanguard’s new robo adviser, where somebody thought it was sufficient to limit it to only 2 ETFs. The overall feeling is of a company stuck in 2008 that either doesn’t realize it or is so focused on keeping fees low that it won’t even invest in hiring decent people to improve its services.

The App is Embaraasing. I can’t believe how antiquated and inept the app is. It is seriously a joke that Vanguard would publish something like this and expect it’s customers to enjoy using. The saddest part is that this is how the application has been for literally YEARS. Not once has the application been updated in my 6-7 years of using it. Top 3 Issues with the app: 1. Never, ever saves your login. Opening the app uses Face ID, but want to navigate to any other part of the app? Forces you to type in your password. Why is it using Face ID to begin with if it doesn’t do anything? This is purely developer incompetence. 2. New message notifications are never cleared. I can open any notices that are flagged as new and read them, but for days or weeks, it still says I have a new message. When I try to clear them by trying to click the envelope icon, well, see issue 1 for why it’s annoying. 3. Everything seems to just be a wrapper for a mobile web site. It’s not actually an App, just a browser, which explains issue 1, but at that point why put out an app at all? Vanguard needs to step it up if they want to retain younger audiences. We don’t have the patience that older generations do for poor tech. I am seriously considering moving my accounts to someone with better technology if they don’t update it soon.

Great redesign, but please keep tuning.. Vanguard has done a tremendous job in working to stay a leader and they’re effort to modernize this app deserves respect. With that, I live mobile. So I really appreciated all the info in the older app style which provided a lot more information similar to the website. Now I find myself logging into the website on my mobile device to access information that was left out of the app redesign, such as messages, research, breakouts of each investment and parts of those investment and how they’re individually performing. I also find myself scrolling alot in the new app due to the large picture and graphs. My largest feedback would be find a way to bring all the features from the website back into the app so I stop looking at the app, then having to follow up logging into the website on my mobile device to see the rest.

Just awful. Like others here, I have been a Vanguard participant for many years. I liked the old app. The new app was rolled out well before it was ready, and that is beyond an understatement. After a half year or more of promising to do so, Vanguard STILL does not let us view individual 401k accounts other than seeing the balances in the summary page. This is just not acceptable for a couple Pant founded on the principle of empowering the small investor. This app, plus the atrocious treatment of small members -who were left holding the bag with the capital gains fiasco of 2021 when they lowered the institutional minimum amounts for the target date funds without alerting small, private investors - leads me to regret choosing Vanguard as custodian. I would have to say that the company has truly pivoted away from Jack Bogle’s original mission and their approach to updating this app only confirms it. I wish I would have gone with Fidelity.

Listen to all the recent 1 star reviews, the new update is very meh. I can not agree more with all the 1 star reviews from around Nov to Dec 2021, this new interface they have is very lacking. Honestly the app before was kind of outdated looking, but it was very robust. If you’re a daily user like me, all the features you needed are there. The nicest thing about the old version was there’s always a filter button to customize whatever you’re looking at. Whether you’re looking at the cost basis, performance returns, transactions history, you can always filter it to show by fund(s), by account(s), or whatever custom way you want. You can do year to date, month to day, any random date range. YOU CAN’T DO THAT IN THE NEW UPDATE. I get they were trying to add a “modern” look to the app and I applaud them for trying but it’s missing some really basic feature. I miss being able to just use the app for a lot of my research instead of having to log into the website just to be able to filter for basic information like dividends for the year only for non-retirement accounts. If the tech team at Vanguard even cares about these reviews , please please please either give the customers the option to switch back to the old version while they iron out the new look or at the very least just add back the filter button to transaction history.

Authentication issue. The app has been generally useful but quite limited (I’m using it with an employer-sponsored retirement plan); its main value has been to check my account balance. I have Touch ID enabled and it has worked well until recently. Now, when I login with Touch ID, the app shows me as logged-in but the screen has a (tiny) user id/password prompt on it, and I have to re-authenticate before I can do anything. I never remember my password for this account so I look it up which requires – wait for it – Touch ID. If this is supposed to be multi-factor authentication, then the app designers are clearly not familiar with the concept. It adds *nothing* to security and it’s annoying to deal with. If this is an employer-mandated change, then they need to bone up on MFA. If there’s a fix (e.g., unset or improperly-set option), I have yet to find it. The only upside is that now I can (e.g.) see messages without going through the annoying id/password authentication a second time. Other than that, it’s just a pain.

Vanguard’s customer support told me their app doesn’t work all the time. I keep getting a message “the security service is unavailable. Please try again later.” when I try to log into the app. I’ve been trying for 3 days now and called the customer service line to get some help and the man literally told me that the app doesn’t work all the time and is unreliable so my “best bet” is to use the browser. Not sure the product team and customer support team’s relationship at Vanguard but the man on the call seemed quite defeated saying the tech team always just tells him to tell customers to remove and redownload the app. I tried this and issue still occurs…not a great customer experience and I don’t understand why a large company like vanguard has a spotty app and their team telling people it “doesn’t work all the time so use the web browser.” Lol. If anyone sees this on the vanguard IT team, please help.

Will (Do) not update. When Vanguard came out with the beacon test app to show what their plans to update the app to, I made sure to try it out and provide feedback. The feedback; it’s near useless. The previous version that, I currently have, allows you to do so much more with managing accounts. It’s not the most attractive app, but it works well and basically functions like a website. When using beacon it showed a huge downgrade in functionality and no purpose for an app, since you would have to go to the website through an internet browser to do your most productive portfolio management. Sadly despite seeing a significant portion of user providing this same feedback, Vanguard went ahead with the update. I would recommend setting the Vanguard website as a favorite in your favorite browser or link the website page as an “app” on your home screen rather than update or downloading this new app.

IRA Contributions Widget Gone??. I have had little trouble contributing to my Roth IRA on a monthly basis for close to two years using this app. However, within the last month, my home page feed no longer shows the IRA contributions widget, which shows me how much I’ve contributed, how much I still need to contribute to max it out for the year, and the big “contribute” button that makes initiating the process easy. There is a button to click where you can customize your feed, and the IRA contribution button is there, but greyed out. Why is this suddenly no longer an option when it’s the most useful and necessary part of having the app to quickly contribute towards your IRA?? Now I have to jump through hoops to find how to contribute through the app. Please bring back this widget option.

Credit Where It’s Due. I rarely write reviews, but in light of recent events, I think it’s time to give credit to the Vanguard Group for being one of the few who did not try to suppress the common man from participating in the “free market” during one of the greatest transferences of wealth in our history. Many other platforms participated in protecting the interests of the super wealthy, and pretending they had the interests of small retail investors in mind. It’s OUR money, we know what the risks are! (at least most of us do). Ethics and morals aside, I will say the app itself could use certain improvements, even the site itself. As far as I can tell, there’s no way to buy or sell options through the app, the actual website must be used. I also wish their platform was able to refresh market prices at a much faster rate, to execute better orders at any given moment. If Vanguard can add a touch of modern or advanced tools for more experienced traders, that would be the icing on the cake. Overall, this is a stand up brokerage firm. Give them your business, no regrets yet.

New update is terrible. I love Vanguard, and I’ve used the app for years, but this most recent update is really a step in the wrong direction. For reference I’m a 27 year old software engineer. This is my wheelhouse. Buying funds has been made more complicated. I used to be able to buy mutual funds straight from the bank, but now I have to buy into a settlement fund, wait for the funds to be available, then buy mutual fund shares from the settlement account. What was a one step process is now a multi step process over days. Depositing money into a brokerage account vs an IRA are separate buttons, but withdrawing from either is the same button. This is not intuitive and caused me to deposit into the wrong account, which I had to do because I tried to buy funds like normal but it pulled from an empty settlement account instead of my bank. I’ve only had problems since the update, but never had a complaint before. I would really love a rollback. That layout was much simpler and more intuitive.

Worthless app. Overall I love vanguard. I have invested money with them for literally decades and couldn’t be happier with them as a company. However the new app and website that they’ve rolled out over the last year or so are complete garbage. The iPhone app is completely useless. Many functions that used to be available are now gone and have been for months now (I’m not sure exactly how long I haven’t been counting). To the point that I’m forced to use the website for everything, including super straightforward tasks like checking my account balances. What’s more, they decided to change the website at the same time. It’s not as bad as the app, at least some of the functionality remains, but it’s all hidden behind slow annoying graphics and submenus. If I was a new investor staring out today I would seriously consider a different financial institution just because of the website and app experience. Despite vanguard’s proven history I question where they are heading.

Not ready for prime time. I have been shocked at how unfinished this latest version of Vanguard app actually is. I made the mistake of installing on both my phone and iPad. Fortunately for the iPad, the app was installed separately from the existing one so I have my earlier version to use. Otherwise, I would not have access to most functions on my app. For example, on the latest version, attempting a transaction stopped me at every turn. First, of all the tax-advantaged and non- plans I have, only a Roth and Rollover account show up. Further, as a test to trying a transaction on those, the app doesn’t accept my password - the one I used to sign into the app. As it stands now, I’m not able to do anything in this app aside from looking at balances. This would have been a real problem had I not been able to retain the earlier version on my iPad. I’m screwed on my phone. This didn’t seem ready even as an early version.

Bring back the old app. I just logged on to Vanguard using my iPad Mini app, which I have not updated to the new crappy version. It was actually enjoyable to use—clearly laid out with the pull-out side menu to go where I wanted to go. And I could access an inherited IRA, which I still can’t do on my phone with the new app. Bring back the old app, which was better in about every regard. Update: still no improvement and it’s actually gotten worse. Now when I view an account I get a pop up message telling me that I need to transition to a brokerage account in order to trade using the app even though I’m just checking balances. Plus they changed the feedback options so that I can’t make specific complaints. Update: Rather than fix the problems in the phone app, Vanguard killed the feedback link. The option is still there but it’s dead. That’s one way to address complaints but Vanguard should be embarrassed to resort to that.

Gold Standard. This week was a tough week on the market. However, despite a minor hit, I’ve never felt more secure that our future and holdings are in great hands, and that my family and I have a bright financial future ahead. If I need something, Whether tips, training, or options to choose from, Vanguard is there to help. There knowledgeable staff is always confident and up to date on regulation. They set the bar for “Gold Standard” service. I’m very confident that we we getting the best service possible with such and up and down market challenges and fully believe that we will (together w/ Vanguard) accomplish our financial goals! Integrity matters, and they have it, and they always have time for the little guy, even me :-)

Inconsistent Functionality = Very Disappointing. Very disappointed with my recent experience using this app. The buy and deposit functions are not consistent with each other. You can buy mutual funds but not deposit into your mutual fund settlement account. On 28 October used the buy feature to purchases $300 mutual funds for my Roth IRA. Prior to making this purchased I used the deposit button to deposit $300 in my account. Come to find out several days later, the deposit function only allows you to deposit into brokerage accounts and Vanguard sold $300 from my brokerage to cover the transaction. I received an email prior to the sale stating I needed to deposit $300 into my settlement account (email doesn’t specify that there is a separate, mutual fund settlement account associated with my account) which I disregarded because I had already deposited the $300. Customer support stated this was “client error” and would not reverse the transaction. They also did not allow me to speak with a supervisor even though I asked several times. It is extremely disappointing Vanguard does not take ownership of their inconsistent functionality in the app which resulted in this error.

Stuck in 1995. It’s clear Vanguard has fallen way behind on tech and it shows with their app, site and endless technical difficulties during account creation. The app is unintuitive and requires password + 2-factor even after logging in with Face ID for many features. Inaccurate/inconsistent stats - 3 different amounts for total gains in 3 different sections of the app. I’m told Beacon app won’t be available for trust accounts. The site is from the 90s and throws you through loops and dead ends. Trying to create an account online can lead to an error message with no details which requires a phone call to fix. My husband didn’t receive his trust account application after I DocuSigned mine during a call and we had to call again to redo the entire process. His original application shows up a month later and we have a good laugh. Using my SSN as a trust EIN (common practice) somehow broke the e-delivery setup and we received tons of snail mail - another 30+ minute call. No chat and closed weekends so everything requires long phone call during the week. I’m worried about technical difficulties when pulling out our money later. My other brokerages (Fidelity, Betterment, Charles Schwab) can run circles around this. Please get out of 1995 and catch up.

Miss old app. I like vanguard but part of what I loved about it is seeing the growth historically and to do that, it would be good to see contributions/transaction history as well. While historical returns are on here (only in increments provided), it would be nice to see historical contributions/transactions and I can currently only see 2021 and 2022 contributions; given 2021 tax filings aren’t due, it’s basically as if you only have current year contributions on here. It seems simple but all the more reason I’m not sure why this was removed in the new version. If it’s on here somewhere, it’s not an intuitive app and I’m missing it although I don’t think I am. That’s my biggest issue but given I use the app to see balance, historical returns, and contributions, it’s missing 1/3 of what it used to have and even analyzing returns is just a snapshot (I’d suggest adding in a graph with a slider to show balance AND returns, similar to what you have for balance right now). I worked for a private firm who had better analytics on my retirement fund than Vanguard has and this is their sole business function. I’ll continue to use them but the app needs work.

Best financial institution. I was recommended to Vanguard Mutual fund company by a good friend of mine back in 1985 when I was 34 years old, that’s when I learned the fundamentals of saving and investing money for the long term, I stayed on course. I follow that model, I didn’t react to market swings and I only invested what I could afford. I stayed consistent and kept my portfolio balanced according to my risk tolerance, rebalanced slightly when I needed to with the help of a Vanguard financial advisor, but most important I stayed true to my goals, and I succeeded in building a nice retirement for myself. I would Recommend any one of my family members to Vanguard, they are simply the best way to save and invest money for your goals. Thank you Vanguard so so much. James, 67 years old.

NOOOOO 😩😩😩😩!!!. This new app is so much worse than the one that existed in 2016 when I first opened my Vanguard accounts that I don’t know where to begin. Where is the nice concise list of accounts and holdings showing the daily ups and downs? Where does one find a personal performance report (NOT a graph!!) of market gains/losses, investment returns and total returns by month? Where is a menu of options for me to edit my automatic withdrawal amount? Where are all of the specific portfolios I created to track cash and a variety of other groupings by account and/or holdings that provided useful information to me? I’m in mourning today after learning the old app is no longer being supported. It was visually pleasing, intuitive, and easy to navigate. This new one is none of that. A previously perfect app has been destroyed in the last year or two for no apparent reason. I’ll never use this and won’t hesitate to let others know how good the Vanguard app USED to be.

Old app = GREAT! New update = DUMPSTER FIRE!. I have been with Vanguard for multiple years and used this app to make transactions. The old app was not “techy and flashy” but you had incredibly simple access to everything that you would possibly want to see. THIS NEW UPDATE IS TERRIBLE. You cannot do any research whatsoever on any index fund, mutual fund, or ETF. It’s nearly impossible to see any movement in your accounts other than 1 year or YTD. There are countless other things that were removed from the app that investors NEED to see! Performance data for the S&P500? Good luck finding it! I am completely blown away about how awful this update was and how it was allowed to be pushed out to all of their users. It’s almost to the point where I want to rollover all of my accounts into a different brokerage. Standing by for an adequate update. I will be sure to update my review when that time comes. If not, I will 100% be looking into other investment platforms in the near future.

Not an improvement - more about app design than function. This “upgrade” is a move in the wrong direction. The older version, which is being retired in April, and I wish it would be continued for those who prefer it, is much clearer and provides much more information on the opening page. It clearly shows account and holdings with simple navigation to move deeper to transaction and research. Somehow, Vanguard has been sold a bill of goods on the new app. To see basic holdings, you have to select your account, and then scroll through performance information to get to the basic holding information and there does not seem to be a way to filter this out or change the layout. I’ve been a strong Vanguard fan for decades. This app “upgrade” is a real disappointment, and not very Vanguard. I wish the older app would be left active as a choice.

Horrible. A ZERO rating would be more fitting. I can’t think of it getting worse. It can only get better. I would give the old app a 4.7 if I was asked. There are no choices for research, only way to see what u paid for different prices of same stock is to act like your selling the stock. There is no way to weight ur stocks from most invested to least. Only which is up/down the most. If I am able to buy or sell a stick I have to log off and log back on or the stock can’t give info. Now I can get on/open the app w my password but when I’m trying to buy something it stated I have entered wrong password. Above isn’t even the worse part. In the last week it has caused trading violations to my account. I used the old app since 2017 with out one violations some how I have received 2 in last 2 weeks & if it gives me one more I will not be able to trade for 90 days. If they go back to the old app consider it. I will give a good review if or when they fix it. Otherwise if you want to trade using the app consider another brokerage.

Not sure I have the right app. I think this is the new app for vanguard but it seems like it went a few steps backwards. I’ve searched the apple App Store but don’t see any other options. I think I missed the instructions or notice about the new app. I have outside accounts setup and many of them have not updated since April and July 2021. There is no way to manage them to have them update or just remove them. If you click on them you get a “coming soon” message. Wonder when that might be? Does not help to show outside account info that is so old. Viewing your positions is not good. I’m not sure who designed this but it does not feel like it was someone that is an investor. I muddle my way around and eventually find what I need but could be much better. Hopefully they will add to it to make better. I’ve used vanguard for many years and feel this app does not represent the company well.

Can’t deposit Rollover IRA check. Using the iPhone app, I tried to deposit my rollover check into my vanguard IRA. When I went to take a picture of the check, it would not register the front of the check with my camera and wouldn’t take the picture. I tried changing the background and lighting to no avail. I called vanguard and the representative informed me that there was a hold on my account due to it having just been opened recently, and that I should wait ten days until trying to deposit the check again. I thought it was unlikely that an account hold would affect the cameras ability to read my check, but I waited anyway. Lo and behold, I had the same issue after waiting a couple weeks. Even the iPad app gave me a similar issue - it let me take the picture only to give me an error saying it couldn’t read the check. Deleting and reinstalling the app did not solve the issue. I’m very disappointed in vanguard because I read several other online reviews citing similar issues with IRA check deposits, and I would’ve hoped that they would have fixed the app by now.

Buggy and less user friendly. The old version of the app was quite good, easy to look at, easy to find useful information, and had lots of reliable functionality. The new version is hard to look at, hard to navigate, and is unreliable. Today, for example, I tried to perform a withdrawal to a bank checking account, but the app listed two checking accounts at the same bank, even though there is only one. This confused me and I had to double check a paper statement to see which number was the checking account (later using the Vanguard website, I found that one of the accounts was nicknamed “savings” but the app mislabeled it as “checking”). After choosing the real checking account, the app hung and indicated there was problem. There was no transaction for a pending withdrawal listed on the app but I noticed that my Vanguard account value was reduced. I therefore quit and relaunched to app, and sure enough there was now a pending withdrawal scheduled to the bank checking account. This is pretty scary behavior by the app for such a fundamental function. I’m planning to use the web site for transactions in the future. The older version of the app and website were so much better, but now they are gone and I have no idea why they were replaced with junk.

Useless for 529s. I use vanguard only for my kids’ 529 accounts. With the recent app redesign/update, all functionality other than just viewing the balance of 529s has been removed. There’s message saying that more functionality is “coming soon”, so I gave them a few months of a grace period before writing a grumpy review.. it’s been a few months and still no additional features. I tried to use the feedback section of the app to share my frustration with the current app capabilities, but there is no option there to share anything beyond a numeric rating or to pick a section of the app where I saw a bug - not even a chance to write a description of the bug! Vanguard - you missed the mark when deciding what the “minimum viable product” feature set would be for this app update. Please bring back the features and functionality that you removed!!

Can’t send or reply to message, no way to report technical issues. This is for the app AND the website. I received a message through the Notification Center instructing me to reply by a certain date. Both on the app and on the website the reply window is very tiny and there is NO send button. So I tried composing a message from scratch on the website and the drop-down menus for the “required fields” are blank. And there is also no send button. And of course no way to report those issues unless I want to spend time on the phone. I don’t. Vanguard, both your app and your website stink and are making me want to take my accounts and move them to another provider because it just keeps getting worse and worse. I pay good money for the personal advisor program (whatever you call it now) and I don’t feel that it’s worth it anymore. Fix your stuff.

AWFUL!!!!!!! Awful!!!!! awful!!! Zero Stars. So much functionality lost! Why would Vanguard release such a disastrous app?? The developers who proposed the changes and especially the senior management over the update that rolled this out last year should be held accountable for this worthless app. If the investors are truly “owners” then why isn’t Vanguard listening? I sorted the reviews in most recent order. Scrolling back to October 2021 I guesstimate 90% or more are rated 1-star, and there are hundreds of ratings to scroll through. Again, why isn’t Vanguard listening? Does Vanguard monitor and evaluate their own app reviews? I would say not. If they do, then why isn’t action being taken to restore functionality? If Vanguard is working on it then OWN IT and communicate you recognize the app is not meeting the needs of its owners and that Vanguard has heard the cry of its investors.

App and websight/ emails/ prospectus/ reports from V difficult to navigate. S are surprisingly difficult to navigate. I am very frustrated. Overall V creates confusion and questions. Examples- 1.disclosures for recent reorg of some V funds (total stock or total bond fund?) said trustees felt it was in the best interest of the investors, with no explanation of what that benefit is! 2. I’m having trouble finding whether monthy dividend say from mm funds or bond funds are calculated on average daily balance and how stock fund dividends are calculated. Need to know for my retirement withdrawals. 3. Safety of federal money market fund? Difficult to find. 4. Advertising stresses shareholders are “owners” with no clear description of what that means. Further disclosure is necessary to avoid misunderstanding. 5. What are V’s Conflict of Interest principles? Example. V abruptly terminated its plan in China, with no detailed explanation. Is that explanation information shared with V managers who invest in China? 6. How about quarterly and annual reports by V to its “owners” about how it is doing and what its plans are? I do realize the difficulties V has in being transparent- management compensation, political donations/ lobbying/ professional memberships and ESG. Most importantly to V is its reputation.

Liking the progress being made finally!. This app is finally making decent progress towards replacing the prior Vanguard app which sadly disappeared from my phone about 18months ago. I get that Vanguard wanted to update the old app w a pretty new user experience, but they missed the mark terribly when they clearly released the new version well before it was a suitable replacement since it was lacking pretty much any useful functionality and it was slow and painful to use. I gave up using it and went back to using the website. However, I recently gave it another look and was pleasantly surprised to see the progress. Keep investing in improving this app Vanguard. Hopefully someday you’ll be back to where you were several years back as far as providing a useful app that replaces the need to use your website for 99% of common use cases.

Thank god I’m part of a Vanguard Facebook group!. I knew this terrible update was coming eventually but thankfully I received a notification from a Facebook group that the old version of the app was retired. I quickly turned off automatic app updates on iPhone so i could keep my old beloved version of the app. It is still working and I refuse to update to the new app which removed all of the functionality that I loved in the old one. I don’t know how long I’ll be able to use this version. Vanguard, please allow customers the ability to choose which interface they use. As a mutual company, vanguard operates at cost and any cost savings is passed along to the shareholders. Did this app update cost more than maintaining the old app? I hope not because That cost comes straight out of our funds. Is it possible this change was made to save money vs the old app? Either way, please honor the legacy of the late, great Jack Bogle and do not turn Vanguard in to any of the modern investment management companies. We don’t use vanguard for its slick user interfaces or snazzy trading features. We use vanguard because they always act in their shareholders best interest.

Useless App: constant re-login, nonexistent stock info, unintuitive. This is bar far the worst investment app set up I’ve ever seen. They make it so far to look up, track, and buy stocks, funds, etc. I had to switch from Robinhood to this because of work restrictions and overall I would recommend Vanguard 0/10. Do yourself a favor and invest with Robinhood. This app is unusable. So un-user friendly that I’ve had to stay doing all my any and all research and vetting outside the app. It’s good to do your due diligence, but Vanguard won’t even easily should a timeline. Opening, high, low prices frequently don’t populate in the app. To track your portfolio, the metrics are equally lacking. Waste of my time to a point where it feels like it is a sack. You’d think one of the largest investment companies would invest a little effort into their website or app. If even one of those were half as good as id hoped it might be salvageable.

App needs work. I needed to move money out of Vanguard, so I decided to try, but was told my account was locked due to an address confirmation issue. I the tried to change my address, but their instructions were wrong: for example referring to menu items that weren’t even in the app. I successfully was able to change it on web, but was *then* told there was another hold for five days, because I had changed my address. Why wasn’t I notified when Vanguard originally encountered an address problem? I really despise institutions that throw up unexpected roadblocks when trying to withdraw money, and this was actually important that I had quick access to that money. Additionally, the instructions snafu and other items within the app are off. This app feels over-featured and complicated, yet at the same time, somehow lacks attention to detail from a user experience perspective. The UI looks dated. I think vanguard needs to invest more into modernizing and simplifying their digital experiences to make sure the basics all work well, which is not currently the case.

New App is Worthless. The new app is absolute garbage. They took away functionality and information and only made the app more attractive to the eye. I tried to buy through the app (as I have in the past and it’s worked great), moving funds from my bank account directly to the fund. Instead I got a notification that the transaction failed. I called into support, and they told me to complete the same transaction on a laptop instead and told me the app doesn’t allow these types of transactions any longer. So I did, and it went through fine. 2 days later I get a call saying my account will go into a “regulatory sell out” to cover the debt from the failed transaction. I called in again and they told me I had to cover the cost myself and they couldn’t cancel the failed transaction that came from this app. It’s completely pointless to have this app. What a disappointment. Avoid at all costs!!!!

The new app has less than half the functionality of the original app. The app just switched to a completely new format in the last few months. It has a lot less functionality than the original app, and can be frustrating to use. You can no longer invest directly in mutual funds from a bank account - now there is an extra step where you have to add the money to a settlement account first, then transfer it to the mutual fund. What’s the point in requiring an extra step? The old app had a nice graph to show growth over time. Not available in the new app, at least not that I can see. I used to be able to research funds from the app. It sounds like that will be added later for the new app. I understand that the new version is, indeed, new. I just wish it had more of the functionality of the old app.

Incorrect Data Reported. This app seriously has me considering other brokerages. It reports incorrect data! I had a pending purchase and for the next 3 days it said I had an “Investment Return” of that same amount. Um that’s not an investment return that’s a pending purchase that hasn’t yet settled. Thankfully the desktop version of the site reports the data correctly! The mobile app is dated, not optimized for mobile and needs the entire UX to be revamped. Way too much effort to make a deposit or contribute more to the particular funds I’m holding. As a millennial, I value a good mobile experience and don’t want to be strapped to a desktop to manage my finances. Please look at your competition in this area and adapt accordingly. I’m a big fan of your funds but Fidelity is looking pretty attractive with the modern app/website and zero cost funds. Really considering jumping ship here. Too much competition in this space to lag behind so badly. Heck even Betterment and WealthFront have better apps and they’re the new kids on the block.

Terrible and disastrous. As many customers mentioned in their reviews, the recent update deserves zero or even negative stars. While other companies keep improving their apps, Vanguard is shockingly going backwards. So many basic features got cut out and it makes the app almost useless. For example, I now cannot deposit to any of my accounts. Trading ETFs and stocks is disabled. Research functionality is gone. In addition, for the website every time you login to your private device, you have to tell Vanguard this is not a public device… Super disappointed and deeply disturbed. What was the rationale driving this update? You don’t want business from your customers? You got too many customers that you simply want to kick them out? Does Vanguard Leadership care about customer feedback? Has anyone in the company read any of these reviews?

Shame on Vanguard for poor app. My wife and I have a $1M+ portfolio with Vanguard and have used app for years to access VG, review accounts, and make trades. New app is an absolute disaster, and it appears your company clearly does not understand its clients and their financial needs. Where do I start? You stripped out functionality throughout and made this a nearly worthless app. What happened to the drill down charts and tables that showed monthly performance, market gains, and interest? How about a single page that shows my stock/ETF/MF positions with daily changes, cost basis, and gain/losses? Why do you think we access the app? It’s so we can quickly review our portfolios and make adjustments as necessary. And your trading page???? Whew, it’s garbage. Go back to the old trading page...it’s light years better. I could go on with pages of additional feedback, but I hope you can quickly rectify the situation.

Reduced Functionality. Update: there have been no improvements in my areas of concern. I just received notification from Vanguard that they will retire the older app - the one that had much more functionality than the new Vanguard app. Vanguard should be ashamed to have such a low functioning app under their name. I cannot see basic information that was readily available in the retired app. This version of the Vanguard app shows much less information that the original version. I can no longer see non-Vanguard assets that I entered myself. I cannot see all my Vanguard holdings in one place. This version of the app is an embarrassment to a company as large and established as Vanguard. I wish I still had access to the original app. I will probably enter all my assets, including Vanguard assets, in another app that shows me my entire portfolio at once.

Lacking. Requires password to read communications from Vanguard even after unlocking app with FaceID. Why would Vanguard allow me to trade based on FaceID but not read my messages? Doesn’t make sense. App does not allow trading certain types of securities such as T-Bills. You have to go to their website for that. Interface is clumsy. If you go to transaction history and try to click on the down arrow to show more transactions it often takes you to detail about the last shown transaction instead. There is no way to view an aggregated picture of holdings in all your Vanguard accounts - you have to look through each one individually (eg if you hold the same ETF in several accounts there’s no way to look at your total exposure to that ETF without opening each account and scrolling through it).

New version still terrible. So it has been two years since they eliminated the old app which was great and ushered in this kindergarten version. Still so much less functionality for basic things. I can’t see the same data for an estate account that I can for my own accounts. Why do so many things have to added back? They basically wiped it clean and minimal and we have to complain to get functionality we had before. I don’t understand how they think this is what anyone wants. The people giving it a good rating must not have ever used the old one. I give one star feedback as much every time. I want to be able to do everything on the app and not have to log into a desktop for other things. I’m sure I am not the only one. How is the app getting 4.7 stars and the positive reviews don’t seem to about the app, but about Vanguard in general. I doubt the algorithm of the rating!!!!

Great job Vanguard with a HUGE UI/UX update. After the new revamp of their app, it is such a more elegant experience. I’m a part of the younger group of investors (18-25), so I was introduced to a lot of the financial world via Robinhood. Through this update, this gives a much better experience through navigation, ease, and appearance. This is important because it attracts more people like me (younger groups) who are looking to get ahead in life or simply try and be more financially sound. At the end of the day, if financial brokerages like Vanguard wants to keep up with newer kids on the block (Webull and Robinhood) continue to advance the UI/UX, tech, and ease because we’re the ones who will be customers for the next 60+ years!

Extremely limited functionality. Vanguard just released a new app, and honestly, it’s horrible. I really do love working with Vanguard, and have been pleased with the experience overall, but the new app is awful. Their website isn’t the prettiest, but very functional for me. Every time they try to update it, it becomes less functional and this new app is the worst step yet. It has only the most basic functions and none of the charts, graphs or performance information of the old one. I like to log in every morning and see my “Prices and Performance” page to see how I did yesterday- it’s gone. Essentially, all this allows you to do is transact and see very cursory account balance info. That’s ALL! If you’re a buy and hold investor like me, this is useless. Can we get the old version back, please?

I can place and order but not cancel an order?. The new generation of this app never ceases to disappoint. Everything is more difficult than it used to be or impossible to do because it isn’t supported. I hate this app. I hate that so much functionality was removed from and older generation to a newer generation of this app. I don’t know what Vanguard was trying to accomplish with the new generation app. Thus, I can’t figure out what the point of the new app is. Why ruin a good thing? Does Robinhood scare that much? Don’t worry. Fidelity has done the same damage to themselves with their new app. Oh, and stop popping up screens to ask me to contact an advisor. I know Vanguard has advisors. If I wanted to use one, I would do so. You don’t need to keep asking. Just put a link to contact an advisor in an intuitive place in the app. Oh, that’s right. This app is not intuitive to use! I guess the joke is on me.

Zero stars if possible, new app got me in trouble. The old app was not modern looking but functional, with the ability to directly contribute to my IRA with mutual funds in it. The new app (which I knew about as I used the Beacon app which was their test bed app before they rolled out this mess) does NOT let you directly contribute to your funds but force you to transfer to your settlement fund first then move it over. I didn’t have enough funds in my settlement fund (didn’t use it before) and I got an error message saying that I didn’t have enough funds, even though I had Authorized The transfer in the app. I had to quickly put in more money into the settlement fund to cover the transaction otherwise it would’ve drawn money from another one of my investments without my input. In addition to my own issue, others have been complaining about the removal of charts and the ability to look at performance data which was previously present in the old app but is cut out in the new one. I agree with them and I wish they had waited and perfected this app before releasing it live. Overall do not download this mess of a app until they fix it and add features that were in the old app back in, better just to go directly to the website and do your work there than use the mobile app as it is now.

The new app update will force me to move my assets. I never thought I would be one of those people who threatens to switch companies because I didn’t like the technology, but In the case of this recent update to the app, I have no choice! They’ve literally taken away all of the functionality that was useful in the previous version. Whoever gave the green light to release this app update needs to be sent packing. This will lose them business. If I don’t hear about some radical changes to this mobile app coming down the pipe asap I am transferring everything out, and I would assume a lot of people will do the same. The world of financial services is moving towards faster, easier, user friendly, and more functional platforms. They had that in the past and have gone in the complete opposite direction with this update. FYI I am writing this a week after I updated to the new version because I wanted to give it a chance. The more I look at it the more I realize is missing from the previous version and the more disappointed it get. Terrible decision!

Not surprised about all the negative reviews. Let me start with saying that Vanguard is a great company. However, this Desaster with the new app could probably have been prevented. I was exited when I got invited to review the beta version and provide ongoing feedback more than a year ago. My first feedback was „where are all the features that give me a deeper insight into how my investments are doing“? All the subsequent versions I ever looked at all had the same shortcomings and I finally got tired of giving feedback. At one point I even stopped looking at them as it was hard to find any new functionality. Now the app has been released without that functionality which means my feedback was ignored. I think that a Vanguard Investor/app user has a stronger focus on actual value provided by the app than the average customer of any of the other investment firms. Changing the appearance at the expense of functionality does not provide any meaningful value in my opinion.

App is sub-par, Vanguard systems are terrible. App seems to focus on hyping how much your account value has changed, as opposed to providing efficient access to your accounts and facilitating trades. Not at all intuitive. But my bigger gripe is with endless layers of security that are designed to protect Vanguard as opposed to protecting and enabling Vanguard’s customers. I have been working on a change in Trustees for my parent’s accounts (both in age of upper -90s). The endless requests for legal and medical documents were met, but Vanguard threw up new hurdles. When I cleared those, they came up with still more hurdles. Bottom line is I have had weekly calls with a live rep for over five months, with 1% progress on our request. I did the same thing with their Fidelity accounts and issue was solved in two weeks with one office visit. Vanguard systems are archaic and not designed with the customer in mind.

App isn’t reliable. I’ve had a few issues with executing trades the last couple of weeks and I’m done. I’m leaving the platform completely. The first issue was with a trade executing twice, resulting in twice the position I wanted. To compound the issue, I set a limit trade to sell the shares I never asked for as well as additional shares because they had hit the water mark I wanted to unload them at. I also set a couple other trades that evening at 60 days to execute, the next day all the trades I put in had disappeared and the stocks I intended to sell fell back into a range I needed to hold them again locking up that capital for the foreseeable future. Later in the day had a pop up asking me to review the app come up but the submit button was greyed out and after force closing the app and rebooting it, it simply popped up again. I was essentially locked out from the app by a pop up. This platform has cost me money and enough aggravation to make me pull mine and my wife’s accounts completely. The sad thing is, I’ve spent years telling people to come to Vanguard and now I feel like I’ve been selling bad fruit to my friends and family. I’m going to spend 1000% times the effort getting people to steer clear and get the word out. The idea of Vanguard is great but a for profit company is the way to go because they have skin in the game.

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Great company, terrible app. This app is not reflective of how great of company vanguard is. Great company, terrible app. The app is so terrible that people go to Vanguard’s biggest competitors (Fidelity, Schwab, etc) because their apps are so much better with far better user interfaces. I’ve finally decided to leave a review based on continue frustration of trying to mobile deposit funds. It’s 2021 — this should be simple. Table stakes. Yet week in and week out where I mobile deposit money into my account, I’m faced with errors. Today it’s just throwing an error and unable to process the deposit. It did this last week as well so I did it again, and I ended up with 2 transactions that went through which caused me to spend an hour, mostly on hold, getting that sorted out. Several weeks before that, I did a mobile deposit and I got a confirmation that it was submitted, but nothing ever settled and I had to submit it again. The image capturing technology is also awkward and outdated compared to other institutions. Again, being able to deposit money from a smart phone isn’t innovative or a differentiator ... it is basic, expected functionality any financial app should have. Disappointed that this is the offering that is offered by such an esteemed institution like Vanguard.

Great Brokerage But UI far behind. This is a great brokerage firm but this review is for their apple iOS app. The interface is pretty limited. A search bar would be a great feature which is missing. The current order and details are still not available on the app. Overall this is not very useful if you wanted to trade and monitor your trades. The web version is decent but still lacks user friendliness and too many clicks to get to where you want to go. Keep it simple, should be the goal but it looks like, ‘let’s add on to already heavy interface’ seems to be their goal. Hoping to a better UI experience in 2022.

Vanguard’s new app update has basically made this app unusable. Kudos on the minimalist approach. But they overhauled this app so much that if you used this app a lot before, it’s useless now. Nothing makes sense, it’s unnavigable, and all the functions you liked before? You can’t find them now. Go to the FAQ for help? You won’t get it except for an answer that they will continue to change the app to “improve” the user experience. Want to send feedback about what you like? You can give it a star rating without providing additional feedback. In fact, that’s my main motivation for writing this review-hoping that someone at Vanguard actually reads it… unless burying their heads in the sand is actually the purpose for their poorly designed feedback page.

App much Improved. Been a client since 2008, and yes the app and site have fallen a bit behind in recent years but recent efforts and improvements are noted and appreciated. I’m able to conduct over 90% of transactions online. I haven’t had much experience with a phone agent. In my view, Vanguard has been focused on personal retirement and less focused on a full range of brokerage services. Which for me is great, I use them exactly for that purpose. When other services are needed, there are others in the marketplace.

Vanguard “Crapp” App. Not only is the new website unusable this new app needs to be renamed to Vanguard Crapp or Useless. With all of the errors that Vanguard has been making to my accounts I have completely lost all confidence that the new management team is anything but ready to carry the torch of its founder. Shocked appalled and dismayed that I was not forewarned that support of the old app would no longer be offered. Suddenly, no more. So I had a Maserati and they have forced me to trade down to a jalopy. SAAD. So fed up that I will be moving all of my money and that is no small feat, but so angry, I am done. Bury this. Lowest Common Denominator written by a 3 year old, revised to 2 month old. What is it exactly that Vanguard is trying to hide? Consider this before you put one dime in this lead anchor financial institution on the way to the bottom of sea. The founder rolls over in his grave.

Best investing platform. Good long term investing should be simple and boring, and this app is perfect. It doesn’t have a bunch of flashy features and design elements causing you to want to gamble, it doesn’t have a bunch of news articles trying to persuade you into an investment, it doesn’t try to sell you a bunch of services, just straight up simple investing. Pick an index mutual fund set it on auto pilot and chill. This is why I invest with Vanguard, investor owned, the first company to introduce index funds to the general public, no frills, long term investing. Stay great Vanguard.

Are you kidding?. I just opened a IRA with Vanguard and I added their app to my phone. Um…did I just go back to 2001? Their website and app are ridiculously out-of-date. The app, especially, is worthless. You guys need to look at Schwabs and especially M1 Finance’s apps and hire new tech people! M1 Finance’s ability to rebalance with one click is a feature that Vanguard has no reason not to have! M1 can set allocations and automatically apply contributions with that allocation set. M1 can purchase fractional shares, unlike with Vanguard where I have to save up to buy an ETF share and make sure (by my own calculations) that I’m keeping the right allocations! I will try this app and website for a few months, but I may need to transfer to M1 for the convenience of not having to do to pen-and-paper rebalancing and contributions!

Mobile Check / Camera Glitches. I’m loving the Vanguard app updates. It’s much more user-friendly and has an intuitive design. My only critique is that the mobile check and camera has glitched on me various times which is very inconvenient and forces me to mail in my check directly to Vanguard. I have been on calls with reps to help me troubleshoot this, but nothing works. I ensure my app is updated, that I’m using a dark background and have even tried to upload it on other phones (thought maybe it was my phone that wasn’t capturing it). Once the mobile check and camera glitches are fixed, people will have a better experience.

New app still not functional. While I love Vanguard their new app is terrible. It’s been almost a year and it still lacks an enormous amount of functionality that was in the old app. Want to see linked external accounts or inherited accounts….forget about it. Research vanguard funds with as much data as the old app….forget about it. I’m sorry, but for an app to monitor and transact on my accounts I want more data and analysis not less. Don’t make things look “pretty” by taking away information that is needed. The more dense packed the data the better. This is a phone app. Data has to be densely packed. Style choices are one thing, but to take away my ability to transact in certain account types is crossing the line.

Works, but basically crap. First off, how is the overall rating for this app 4.8 out of 5? I scrolled from the most recent reviews to 3 years and I see a ton of 1 and 2 star reviews. Now on to my review- I’ve only used this app a few days and I find it horrible. Swiping notifications or bring up a calculator will log you out of the app. This is very frustrating as it forces me to start over whatever I am doing. And I also get random error messages whenever I navigate the app. These errors and messages occur when I log in or when I try to buy stocks, etc. Just repeating the same action usually works, but this just proves how buggy this app is. Does Vanguard now have a QA team? How can this app be this bad? Why haven’t these bugs been fixed as I see the same issues in reviews over and over. How is this app rated so high overall?

Be careful. My very first interaction with there site = HORRIBLE. I initially had every intent on getting a Roth IRA with Vanguard, but wanted to “see” an example of how it would look, the layout, etc. I added my savings account info into my vanguard profile, and then commenced to getting a visual on how it all works so I started what I THOUGHT was a “mock up” IRA. Two days later I’m negative $300 (had $200 in my bank savings acct) . My bank couldn’t stop it from processing for whatever reason, and vanguard SUPPOSEDLY can’t do anything on their end for a number of days, leaving me not only empty handed but with a negative balance that I’ll have to pay a fee on. MOST institutions have “failsafes” in place that make perfectly clear what it is you are doing and or agreeing to... NOT VANGUARD. So be very careful if you’re new to this type of thing ESPECIALLY with aging your account info to things. Lesson learned, the hard way unfortunately

Terrible app experience. In this version of the app it’s like a game to try and find out information about your holdings. In many cases you end up down a dead end, only to be redirected to the desktop site, having to log back in again, and then redirected back to mobile which doesn’t even have what I am looking for to start with! I want to see my individual funds and their performance, not merely the total of all funds. Can never find them. The screenshots shown here make it appear like it exists. Nope. Only way to see them is to click on a non-supported function (like transfers) to get redirected to desktop site, find the main menu, then go look for fund breakdowns that way. Extremely frustrating, and completely non-intuitive.

Updated look and much worse experience. Reviewing the IPAD version I have to say it is worse than the previous app. From Home Screen, clicked my 401k account, but it is presented on half the screen (right side) which is difficult to see. The left hand side is still the home page. Why would you do this? Then tried to print my latest statement: from the small real estate on the right side you navigate to statements and the statement downloaded fine, but then no option to print. Checked iOS (iPhone) version and same. Went back to previous app to confirm there is a print icon (there was). Why was the print functionality removed? Paper statements are easier to share and discuss with family members. I like Vanguard but their updated app leaves a lot to be desired.

Terrible functionality. I’ve been waiting and waiting for Vanguard to push out another update to fix all the issues with this app. Sure, it looks nice, but who cares when the functionality isn’t there. I hadn’t used the website in over three years and had been logging in with FaceID for so long, I had to reset my password just to get into the website and deal with my 2021 IRA contributions. I’m very seriously thinking of moving to Fidelity because of this app. Who releases an app with large features that say “Coming Soon”? They should have waited until all the functionality was there. Personally, if they just bring back an easy way for me to see all of the funds I hold, exactly how much of each I hold, and the price of the stock on one screen, I’ll be way happier.

Login no longer works on App. I am able to log in to the website so I do know my login and password. However, the app worked only once. It now "remembers me" and welcomes me by first name which is friendly but there is no ability to enter in my login name. I know I am entering the correct password but whatever the app is assuming is my login name is incorrect so I can no longer connect there. When trying to report this, there is a tech support page for the website (not my issue) but I don't see one for the app. Within the app page there is a bug report button, but trying that allows me to simply choose "Log in" as the area that has a bug and that is it - no area to actually describe the issue or error. I love Vanguard but the app which used to work has been replaced by a new version which is inaccessible.

Not ready for use, don’t change apps!. After numerous notices on the old (presently working) app on my iPad asking me to load and change to the “new and improved” Vanguard app, I went ahead and downloaded it. Fully half of my accounts could not be opened because “the app is not ready to work with this type of account, check back in the future…”. While that is not really a quote, the truth is that the app is NOT ready for prime time! It should not have been released yet and I have no clue why they would release it, knowing that it does not work on 529 plans, inherited IRAs, some brokerage accounts, etc… I saw nothing better about the new app and the inability to work with major parts of my accounts caused me to go back to the old version…that works!

FIRE DEVELOPMENT MANAGER. Don’t upgrade to version 12.x. My rating is a -10! This is a terrible upgrade and the person leading this development should be FIRED! This version is so bad Vanguard has removed the ability to allow users to write feedback comments within the app to the developers. Now you can only select a category from a drop down list. I had automatic upgrade turned on for my iPhone and after 5 minutes of using saw what a piece of crap this was. I quickly turned of auto upgrade on my iPad and was able to keep version 11.4. Version 12 is not ready to be rolled out and should be removed from the App Store and 11.4 restored. V-12 is very limiting and when I asked Vanguard about it was told to use the website. I thought the purpose of the app was so I wouldn’t have to go to the website!!

New update limits functionality. Vanguard, you released a version of this app a long time ago called “Beacon” and it had terrible reviews and several recommendations. But you didn’t make any of the changes before making the change to the official Vanguard app. Example: there is no way to access “account maintenance” from the app now. I can’t make any adjustments to automatic investments. Read the other one star reviews and you will see how seriously limited this update makes access to your products and services. Many of your investors only possess a mobile device, so ALL functionality from the website should be accessible in the app. Please update this app to give full functionality to your customers on mobile devices.

the new app stinks. sorry. updated. the new app is cluttered, hard to look at and not at all user friendly. it took me over 5 minutes to try to find basic information about my account. it seems to now be all about big graphs rather than ease of finding specific information. how about a basic menu at the bottom to click on specifics rather than having to click through numerous graphics to try to find what you want...this app clearly was designed by people who don't invest and only thought about a visual look rather than functionality. it will steer me away from interacting with my vanguard account unless absolutely and completely necessary. and I now will do that by logging on the the website rather than using the app

Getting Better Over Time. Eventually, this app may offer all the same functionality as the website. In the meantime, I find it very useful. I want to add that I applaud VANGUARD for the decision to disallow cryptocurrency trading. This company’s appeal has everything to do with my admiration for their founder, Jack Bogle. His principles were clear: investing should be easy, affordable, and diversified without the temptation from eye-catching trends or get rich quick schemes. I will continue to invest on my money with this company until the day comes that I feel they have strayed from his original principles. Thank you VANGUARD.

Terrible new UI and UX. I rarely write reviews but as a design specialist, the new Vanguard app and user experience / UI is so half baked, I wanted to give you all a warning about it. I’ve been with Vanguard for a while and it has never been an innovator in mobile apps and UI, but the current app is so bad and so useless that I feel it’s crossing a line for me. Nearly zero personalization ability, it looks broken, it offers little to no useful information unless you spend time searching for it. It also looks like it’s not properly aggregating the info visible in the previous version of the app. Note, I’m comme time on both the iPhone and the iPad app versions. Really sad and bad. Why, Vanguard? You guys have no money to hire an UI design team in house, or you can’t find a vendor who can design a nice app for your company? It’s pretty unfortunate, it’s almost 2022…

Where did functionality go?. The redesigned Beacon app is completely useless to me. I was very surprised and pleased with its predecessor. I only rarely found myself going to the Vanguard website because everything I needed was accessible and easy to use within the app. The new version threw all of that out the window. When I first installed the update, I thought I was in a slimmed down demo mode to show me highlights. I soon discovered that this emaciated design was the new app that Vanguard promoted for months. Unbelievable that this redesign passed through beta testing. I can’t view messages from Vanguard, I can’t send messages to Vanguard. There’s so little that can be done with this app. I’ve given up and now do all my work on the website from my computer. So much for convenience. So much for utility.

Great App Update. The most recent update that occurred during early November is amazing. The interface not only looks more aesthetically pleasing, but it is way easier to navigate compared to how it used to be. The addition of three simply icons adds to the ease of use. I also like the addition of displaying on the home page the total return of your investments since conception. It wasn’t as easily accessible before. Great job! This is the one app that I went out of my way to give 5 stars to, I think it deserves it!

New app downgrades. Two major flaws in the new app: 1) The new app no longer offers the “table” view on the performance charts. This feature enabled me track my monthly contributions, gains/losses, dividend earnings, and was tool I used to help me rebalance across my portfolio. This feature was available before the app update and is still available online, please bring this feature back to the app! 2) The app no longer allows me to invest money via “electronic bank transfer” I now have to transfer money from my bank to my “settlement fund” then use the funds in my settlement fund to purchase vanguard mutual funds in my brokerage account. This is an unnecessary additional step that was not required before the app updated. This feature is still available online, please bring back this feature to the app!

ZERO - Stay away from Vanguard!! They are in freefall.. JAN 2024 - still zero stars. Portfolio watch for different account types does not work. Also, now you can’t see your portfolio for different account types on the web site! Absolutely terrible. Looking to move my ROTH IRA elsewhere. Vanguard’s decline continues! ……….. The Vanguard Portfolio Watch couldn’t be any worse if you tried. Impossible to update your outside data. Minimal effort was put into the Portfolio Watch - has been terrible for several years now and continuing to worsen. Everything about Vanguard has been steadily going downhill over the last several years. There are better mutual fund companies today. They are surviving only on their reputation of years past which no longer exist - old timers clinging on not knowing better.

New App is extremely disappointing and useless!. I’ve been using vanguard app for years. The recent year full upgrade to the app is absolutely disappointing. The app essentially becomes useless and merely tells me the total amount in my account. I was not able to deposit money properly from my checking; I was not able sell with specific id; I was not able to see analysis of my portfolio and performance! I used to be able to do all these with the older version. The new app looks nice and modern, but this is going backwards. With more and more mobile usage, users like me expect to have more functionality on mobile, not less! If I had to open my laptop and open the browser for everything, why do I need a phone app?! Please take off this app from App Store then.

Revamp failure. The latest update is a complete failure! Before the update, I could see my complete portfolio with all of my holdings, could click on each holding and get all of the information on that specific holding including the option to buy or sell that particular holding, etc. I could swipe right and have any option available. It could do almost anything the website could do. I loved it!! Now I can’t see anything or do anything. It doesn’t function the way it is described. Why it was completely revamped when it worked so well before is a complete mystery to me. I tested new programs and software in an earlier life, and it is very clear that this app was not tested (or not tested adequately) before it was rolled out. I would give this a negative star if I could!

Good for What It Is. I have been a Vanguard customer for 12 years, mostly through my former employer’s 401k plan. I opened a Roth IRA in 2020 to further my retirement savings. This app is good for what Vanguard is known for, retirement savings. I had no issues setting up my IRA, contributing funds, and buying mutual funds. I have never had any problems placing a buy/sell order, and it has been very reliable. The interface isn’t always intuitive, and you do have to enter your password before you can buy/sell, but it isn’t bad. As long as your not trying to day trade, this app is good and reliable.

An investing app with no investing functionality?. Why would an investing company release an app you can’t actually use to invest? This is the question I’m asking myself as I’m looking through what basically amounts to an account balance statement with a snazzy UI. The statement values don’t refresh. There is no ability to trade. Numerous other functionality has been removed, including in the sections for customer support. For a long time I’ve overlooked the fact that, other than basic buying and selling, I have to physically pick up the phone and wait for 30 minutes+ to get a Vanguard broker so I can transact MY OWN MONEY. As a younger investor with a range of investment vehicles, I want the ability to actively manage my investments on the go. Though I’ve been a client of Vanguard for years, this new app update shows that Vanguard is telling me I’m too dumb to handle my own money, that I should just buy a Vanguard mutual fund and let them handle it. I’m not asking for the Wild West environment of Robinhood, but if I wanted to toss money blindly into a pit and have no control over how it’s invested I would’ve just opened an account with Fundrise.

Happy as a clam with Vanguard.. John Bogle was right when he said to put your money in the Vanguard 500 Index fund and do not look at it much. Low cost investing for clients in world class funds managed by some of the best in the business is a treat. Before I got into Vanguard, I put my broker managed money head to head virtually against 5 Vanguard funds. Vanguard funds won by 5%. I moved. I sleep well, get help if I ask, and no one bothers me. And I do as well if not better than friends still with their brokers, paying 1% for the privilege of meeting 2 or 4 times a year. You make your choices, and the whiz kids behind the scenes go to work for you.

Performance and balances. It would be very helpful if you could add a screen where both the balances of each fund and the performance of each fund on a more than daily basis are on one screen. As it is now, I have to get my balances per fund with the daily price change and daily percentage increase on one screen, which tells me nothing as far as long-term planning. Then I have to go to another screen to see what the fund did on a long-term basis, which includes year-to-date performance. If you could put fund balances and ytd, 1-, 3-, 5- and 10-year performance on one screen, it would make investment decisions much easier.

Love Vanguard, Love the App. I will forever be a fan and patron of Vanguard. There structure from the CEO down is one of transparency, low fees, and returns for their investors. I love the simplicity of all their funds, website, and app. I think this app is far better than many other apps I have such as betterment and fidelity. I saw one complaint about too much Security, which in today’s world when equifax and uber get hacked and lose tons of private data, I truly appreciate so I think that person needs to understand the importance of protecting themselves. Vanguard will forever be my investment firm of choice

Horrible App and Vanguard Engages in Self-Dealing. The app is really bad—makes me question the overall operational setup at Vanguard. They’ve had issues managing cash flows and rebalancing in many of their products and the lack of technical prowess isn’t surprising. What is surprising, however, is Vanguard’s policy of embargoing cash deposits for 7 days. Every other broker allows almost immediate trading upon deposits whereas Vangaurd requires a 7 day hold. The primary exception is for the purchase of Vanguard funds. How is this not self-dealing? I’m worried about the direction Vanguard is headed and their overall service offering. I wouldn’t be surprised if the SEC and CFPB file lawsuits against Vanguard in the coming years. They clearly aren’t keeping up with the infrastructure needed to manage their AUM.

App gets worse every time I log in. There’s more security on the message center than buying stock because Vanguard doesn’t want you to message them. I used to be able to buy funds by paying from my account - now it’s a two step process where I have to contribute, then buy, and the delay means I can’t time my purchases like I would like. Your top review right now is a recommendation for a crypto coin recovery service - nothing to do with vanguard. Makes me think there are more illegitimate reviews because this definitely doesn’t deserve 4.7 stars. I was charged twice this year for document delivery even though I’ve signed up for electronic mail delivery in the past. Asking about this took almost two weeks to get a response that didn’t even link the option for electronic delivery. Frustrating overall.

New app is disappointing. The old app was maybe the best in the industry. Easy to navigate and hugely functional. Now, most features are hidden or have been removed from the new app. For instance, you no longer see the breakdown between asset price growth and dividend returns. Now it is only an aggregate total. You can’t see your asset allocation within an asset type - ratio of domestic to foreign stocks gone! Common features like transaction history are hidden and transaction details are not accessible - you need to login to the website. The old app was very straight forward and functions were readily apparent. This new app is barely useable except to maybe check your balances. Dunno who did your UAT or user focus groups, but this is a significant step backwards seemingly for face lift purposes.

So broken it’s completely unusable. I tried to sign up to access my 401k. The sign up page was unbelievably broken. Every time I tried to paste my plan number into the plan number field, it jumped to the bottom of the screen and wouldn’t let me paste. After I typed my plan number in manually, then I went to enter my birth date. I selected the month part, and typed in the month, and then the keyboard disappeared. So I selected the day and typed in the day, and suddenly the keyboard is gone again. So I picked the year and typed than in and the keyboard is gone again. Then I typed in my SS# and clicked submit and it just reloaded the same screen again with no error message. I also tried using my hire date instead of my company’s plan number and got the same result. I have no clue how I’m supposed to create an account to find out about my 401k. Pointless, irritating app.

Good app but.... This app has worked great for a long time and I use it to check the balances on my retirement plans. I recently updated to iOS 13 from 12 and this app now has bugs in it that it did not have before. I’m using an iPhone 6s Plus and in 12 the TouchID feature worked perfectly. Now every 5-10 or so times I use the app it disables TouchID claiming I registered a new fingerprint, but I have not. I enable it again and the problem comes back. I have not restarted the phone or anything. So I’m not sure what is causing this issue. In addition, why do they lock some features behind a password? TouchID is multifactor authentication, so it’s safer than a password. Please enter the 21st century Vanguard.

Embarrassing. So many disappointments. Slow to log in. It “thinks” for an amazingly long time before it realizes you have Touch ID enabled. Then after it authenticates your ID, it thinks again before it gets to the default screen. Then it thinks again while it loads your balance. The convenience (if you can even call it that) stops there; just about anything else you want to do requires you to manually log in with your user id and password in what is quite obviously a redirection to their mobile website. This is not really a app; it’s more like an account balance checking device that will redirect you to their mobile website. I don’t know how many billions of dollars they manage, but I’d assume with the money they make off of it, they’d be able to afford to actually develop a real app that works and has some features.

Good App, Even for Beginner. Vanguard has worked great for me and has been relatively easy for me to understand even as a beginner. I was looking for ways to slowly start making some of my money work for me so I dumped $500 into the market on a handful of small stocks. I have since put a little over $200 more into it and my current market value sits at about $1200. Aside from buy/selling strategy, this App has made understanding the numbers pretty straight forward. The user interface is clean and relatively simple but I’m leaving it at 4 stars because I believe there could be more done to make it more inviting. That said, I have no pressing concerns but am reserving the 5th star for when it truly begins to stand out!

Mobile IOS App Totally Useless. The current app is USELESS. I can’t view any information on the new app that I used to view daily on the old. It is so basic that it makes me wonder about trusting my money with Vanguard. Who at Vanguard approved this?? I have moved everything to Fidelity but my 401k that is, unfortunately, held hostage. The new app Is disappointing and it’s actually quite shocking. I hoped the last update would bring back some of the old functionality but it did not. In reading reviews left by others, I’m not alone in my opinion of the app. Vanguard is not listening to its customers and the person who owns the mobile app should be fired. The app is so basic and juvenile - how are we supposed to trust our money with a company that produces this kind of customer experience?

Don’t download. This is not an upgrade! The information available on the old app was far superior to this “revised” app. It is clear that Vanguard programmers are out of touch with their customer base. Navigation is not straight forward or intuitive. At least with the old app you had a menu drop that was readily available. Graphic analysis is lacking in the new app - it was in the old one. The new app is, at best, half way done. If you have a 529 account you can’t do anything in the new app. Since Vanguard is an on-line “only” firm one would expect their technology to be the best. It is NOT. Vanguard needs to up their game. Other companies have far better technology; equal to or lower fees; and more support for their clients. Furthermore, there seems to be very little value or benefit for being classified as a “flagship” client. Highly disappointed!

FaceID doesn’t work. I recently got a new iPhone with FaceID which is great - except it won’t work with this app. With FaceID enabled in the app, at logon it tells you there’s a problem with FaceID (it works fine to unlock the phone), then immediately you’re told your account is locked due to excessive logon attempts (I only tried once). Only solution is to go to the Vanguard website and reset my password, with the attendant verification hurdles. I’m running out of passwords to use. The only workaround is to disable FaceID in the app which means entering the password manually every time, which defeats the purpose of having FaceID.

The app went backwards. After being able to access my retirement accounts for many years, nwt it tells me that this feature will be added in the future and I should access at the website. Now I can’t make check deposits to my retirement account or do anything except see the balance on the app. Why bring out an app that has less features than the one you already had? This is app malpractice. I would never have updated if I knew that it made the app unusable for my Defined Benefit Retirement plan.

Beautiful App…But. The App is rich and beautiful and easy on the eyes in every way imaginable. But you really should add a way to minimize the sections. I.e. performance returns, recent transactions, cost basis. This is so annoying to scroll past every day just to see your holding. The only thing that should pop up when you click your brokerage account should be your HOLDINGS. Everything else should be hidden away in its own tab. Or you should be able to pick which section(s) appear or don’t appear. Other than that, no complaints besides the fact that the app doesn’t update in real time market time. You literally have to use another app to plan out trades.

New app not worthy of Vanguard name. I downloaded this new and long-promised app and immediately enjoyed the sleek, modern UI, but that quickly evaporated when I discovered missing features sub-par implementations vs. the old version. The old app was info-rich, with the info I needed shown in context of a transaction— e.g., when contributing to an IRA, it showed me how much in can still contribute this year. Where is the portfolio analysis? The “Research” section leads to a page that just says, “Stay tuned…” seriously? Honestly, given Vanguard’s mysterious notion that SMS texting is a secure means of two-factor authentication in 2021, I’m reevaluating the wisdom of even having a trading app on the same mobile device… might revert to just using the website.

Don’t update to this new version. The one thing I really liked about vanguard was that their website and app remained the same and didn’t go through the, in what seamed like monthly, website and app changes that all of the other financial companies did. This new app version mimics that move….it seams more appropriate for Robinhood style of stock trading that it is for mutual fundns; kind of a 180 from Bogle’s vision. The research section still doesn’t work and the app has been out for 2 months. Logging in only shows my daily performance like as if I was a day trader, it’s cumbersome to submit a buy order, hard to locate my actual individual account info, and I obtain any of my statements for record keeping. I’m deleting this new app version and am reverting back to the old version; thank heavens I still have the old one on my iPad.

Lost ability to deposit a mobile check. I never write reviews. I’ve used the app for many years and was very satisfied. Now they have upgrade needed features out of the app. The missing feature at the moment is the ability to deposit a check via the app. It allows me to do so to my brokerage account only. I used to be able to deposit it to any mutual fund. This isn’t acceptable. I’ve still given 3 stars. The missing feature is a 0. The rest of the app is a 4-5. The app has a “feedback” feature. Is it really? No, you can give a rating of 1-5 stars but no content. How is that feedback?

UX is lacking and no FaceID support in 2022. Vanguard has the resources to build a solid Design team. Please invest more into this app. Also, why do we still not have FaceID working consistently? It’s 2022, please get FaceID working. This isn’t just a stock trading application, this is an asset management application. It seems the Vanguard design team dove head first into the UI but forgot about the UX? I don’t want to use the website to do anything (which is terribly out of date). Please allow customization of cards on the Home Screen. I also would like to pick which account is being shown in Performance returns, instead of having it all bunched together. I’d also like to see my average cost per share for each of my holdings, but it’s just blank on some of them. Is this a bug or a feature?

App update looks modern but functionally worse. I was very excited about the recent roll out of the new app because I was tired of the old boring user interface. However the best feature of the old app ( table that shows breakdowns of monthly gains/losses) was removed. In fact, there are no tabular summaries of anything available anymore, just annoying graphs. Transacting on the app has been next to impossible for me. For some reason, imputing my password for a transaction never works on the app ( it says my password is incorrect). However, I can go on the web and do my transactions just fine with the same password. Please Vanguard at least make sure the people in charge of designing your user interfaces actually USE the app.

Major Downgrade. The fall 2021 update overhauled the interface resulting in a very dumbed-down app lacking so many features that made the old vanguard app superior. I can no longer find any way to research funds or track performance of my portfolio in anything besides a simple line graph with no options to modify data displayed such as timeframe, individual fund performance, or modify y axis to display just gains, contributions, or totals. Most importantly, there used to be a great table for observing monthly performance including gains and losses which you could see the see breakdowns of how your entire portfolio, just one account, or individual funds had done in your account each month with gains/losses, dividend returns, etc. this new version is so stripped down, major downgrade.