Invest · Save · Move money
Your money, working at full speed
Circle Vanguard is the all-in-one platform for building wealth. Trade stocks, ETFs, and digital assets, earn on your savings, and send money worldwide from a single account.
Trusted infrastructure, built with industry leaders
One platform
Everything your money needs, in one place
Circle Vanguard combines investing, saving, and payments into a single, seamless experience powered by institutional-grade infrastructure.
Invest without limits
Access global stocks, ETFs, index funds, and digital assets with commission-free trades, fractional shares, and real-time market data.
Earn while you wait
Put idle cash to work in Vault, our high-yield savings product. Competitive APY, no lock-ups, and withdrawals whenever you need them.
Move money instantly
Send and receive money across 150+ countries in seconds, with transparent FX rates and fees a fraction of traditional wire transfers.
Solutions
Welcome to finance without friction
Build a portfolio that matches your ambition
- ✓Zero-commission trading. Buy and sell stocks, ETFs, and digital assets with no commission and no minimums.
- ✓Fractional shares. Own a piece of any company from as little as $1.
- ✓Smart portfolios. Automated, diversified portfolios rebalanced to your risk profile.
Savings that actually keep up
- ✓High-yield Vault. Earn a competitive APY on cash, accrued daily and paid monthly.
- ✓No lock-ups. Move money in and out of Vault instantly, any time.
- ✓Goals that run themselves. Automate round-ups and recurring deposits toward what matters.
Payments that move at internet speed
- ✓Settle in seconds, not days. Send money around the world near-instantly, 24/7.
- ✓Transparent FX. Real mid-market rates with fees shown upfront — no hidden spread.
- ✓150+ countries. One account for global payouts, invoices, and transfers.
How it works
From sign-up to first investment in minutes
Create your account
Sign up with your email and verify your identity in under five minutes. No paperwork, no branch visits.
Fund it your way
Add money by bank transfer, card, or direct deposit. Funds are available to invest instantly.
Pick your strategy
Trade on your own, or let Smart Portfolios build a diversified strategy matched to your goals.
Watch it grow
Track performance in real time, automate deposits, and adjust your plan as life changes.
Products
The future of your finances is in motion.
Build it on Circle Vanguard.
Investing
Vanguard Trade
Commission-free stocks, ETFs, and digital assets with fractional shares and real-time data.
Learn more →Investing
Smart Portfolios
Automated, diversified portfolios built to your risk profile and rebalanced continuously.
Learn more →Investing
Retirement
Tax-advantaged retirement accounts with low-cost index strategies and goal projections.
Learn more →Savings
Vault
High-yield savings with daily accrual, monthly payouts, and instant withdrawals.
Learn more →Savings
Goals
Automated round-ups and recurring deposits toward the things that matter most.
Learn more →Payments
Global Transfers
Near-instant transfers to 150+ countries with mid-market FX and upfront fees.
Learn more →Payments
Vanguard Card
Spend from your balance anywhere, with cashback that invests itself automatically.
Learn more →Tools
Insights
Portfolio analytics, spending breakdowns, and net-worth tracking in one dashboard.
Learn more →Tools
API Access
Programmatic access to balances, trades, and transfers for power users and businesses.
Learn more →Testimonials
Loved by investors everywhere
"I moved my portfolio from three different apps into Circle Vanguard. Having investing and savings in one place changed how I manage money completely."
"The global transfers are ridiculous I paid a contractor in Singapore and it settled before I finished my coffee. Fees were a tenth of my old bank's."
"Smart Portfolios took the guesswork out of investing for me. I set my risk level once and it just handles the rebalancing. Wish I'd started sooner."
Investment plans
Choose the tier that matches your goals
Genesis Tier
- 4-day investment cycle
- 7.6% total return
- 5% referral commission
Summit Tier
- 6-day investment cycle
- 13.2% total return
- 12% referral commission
Paramount Tier
- 10-day investment cycle
- 28% total return
- 18% referral commission
Titan Tier
- 15-day investment cycle
- 52.5% total return
- 25% referral commission
Security & compliance
Operating responsibly, so you can invest confidently
Your assets are protected by bank-grade security, strict segregation of client funds, and independent audits.
Segregated accounts
Client funds are held separately from company assets with regulated custodians.
Bank-grade encryption
256-bit encryption, biometric login, and hardware-key support on every account.
Independent audits
Regular third-party audits and published transparency reports.
Insurance coverage
Eligible balances covered by applicable investor-protection schemes.
Scale
Used by millions. Moving billions.
FAQ
Questions, answered
Client funds are held in segregated accounts with regulated custodians, separate from company assets. Accounts are protected with 256-bit encryption, biometric login, and optional hardware keys, and eligible balances are covered by applicable investor-protection schemes.
Just $1. Fractional shares let you own a piece of any stock or ETF on the platform, and there are no account minimums or maintenance fees on the Standard plan.
Trading stocks and ETFs is commission-free on every plan. Global transfers cost 0.5% on Standard, 0.3% on Plus, and are free on Premium. There are no hidden FX spreads you always get the mid-market rate.
Yes. Vault savings have no lock-ups and withdrawals are instant. Proceeds from investment sales settle to your cash balance and can be withdrawn to your bank account, typically within one business day.
You can send and receive money across 150+ countries. Investment account availability varies by region — you'll see exactly what's available where you live during sign-up.
No. Smart Portfolios builds and rebalances a diversified portfolio automatically based on your goals and risk tolerance. Prefer hands-on? Vanguard Trade gives you full control with real-time data and research tools.
Let's build your future together
Start investing today
Open an account in minutes. No minimums, no commission, no paperwork just you and your goals.
Open an accountCircle Vanguard for Business
Treasury management, global payouts, and API access for startups and enterprises.
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