How Do I Activate My Vanguard Card?

Before you can use your new Vanguard debit card, you will need to activate it by following the instructions provided with the card. You will also find a phone number on the back of the card to call and activate it. In addition, you will be asked to set a PIN that is required to use ATM machines and to make purchases with your Vanguard debit card.

If you want to know how to activate your Vanguard debit card, you are in the right place. This article has all the information you need to activate your Vanguard debit card and more.

Sign Up for An Account

Sign up for an account to access your Vanguard accounts online. To register for an account online, you will need your social security or employer's identification number, and either your plan number or account number that can be found on one of your Vanguard statements. If you are unable to locate this information or need assistance to activate your card, click here to contact a customer support agent at Vanguard. Otherwise, if you have everything you need, visit the Vanguard website and sign up for a new account.

Activate Your Vanguard Card

Once you receive your new Vanguard debit card, it will have to be activated before you can use it. Instructions to activate your card will be provided with your card along with a phone number to call found on the back of the card. When you call to activate your Vanguard debit card, you will also be given the opportunity to create a PIN number that will allow you to use your card to make purchases and use ATM machines.

Depositing Funds Into Your Vanguard Account

Your deposits are all received through your cash account at Vanguard. Deposit funds into your Vanguard account by:

  • Using your account number and BSB from your Vanguard cash account to direct credit right from your bank account.
  • Direct debit through one of your linked Australian bank accounts.


  • If using BPAY take the following steps:

Step 1: Log in to your account on the Vanguard website to locate the customer registration number and biller code number.

Step 2: Select "Cash.

Step 3: Select "Deposit With BPAY."

Note: Currently, PayID is not available for Vanguard Cash Accounts.

How to Make a Withdrawal

If you currently invested money in your Shares ISAs, Stocks, or your general account, you will first need to sell the funds before you can make a withdraw. Thus, if this is your first time withdrawing money, you will need to start by entering the details of your bank account, which may also need to be verified during the withdrawal process. In this case, you will be notified to let you know what you will have to provide to verify your account details.

If there is cash available in your Shares ISAs, Stocks, or your general account at Vanguard that you would like to withdraw, follow these steps:

Step 1: Visit the Vanguard website and log in to your account.

Step 2: Locate the "My Portfolio" menu and select "Payments."

Step 3: Select, "Money Out."

Step 4: Here you can view the amount of cash you have available for withdrawal. Select "Withdraw Cash."

Step 5: Follow the instructions on-screen.

After withdrawing cash from your account, it may take up to 5 business days to show up in your bank account.

Note: This is for Shares ISAs, Stocks, or your general account only. If you would like to withdraw funds from a pension, navigate to "withdrawing money from pension" and follow the instructions.

Why Did GetHuman Write "How Do I Activate My Vanguard Card?"?

After thousands of Vanguard customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Activate My Vanguard Card? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Vanguard if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Vanguard Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Vanguard in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Activate My Vanguard Card? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.


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