Security codes
Protecting your account is one of our top priorities- that’s why we require that you set up security codes as your initial method of two-factor authentication before you log into your account for the first time.
With security codes, you choose to receive a text or call you with a temporary 6-digit code. You enter that code on our site, verifying your identity not only with something you know (your password), but also with something you have (your phone).
You can opt to authenticate with security codes each time you log in, or only when we don’t recognize you.
We will never phone you and ask you to disclose a security code.
To sign up for security codes, log in and navigate to the Security Profile section of your Profile & Account Settings.
If you're an institutional investor or a financial professional, security codes may not be part of the logon process.
Please log on to your account and review your security options under Account Maintenance, or call us at 888-353-0547.
What does it mean for Vanguard to “remember” me?
When you log on to your Vanguard account, you'll be asked whether you want us to "remember" you. Choosing “yes” allows us to bypass the security code step in the future. There are a multitude of factors that contribute to your recognition, including but not limited to device, browser, and location. If you're using a public or shared computer or you don't want to bypass this step, choose "no" and you will be prompted with security codes each time you log in.
Is there a cost?
Vanguard doesn't charge a fee for text messages, but carrier fees may apply.
Does a security code replace my password?
No, a security code is an added layer of protection. Enter your username and password first, then the security code.
Can I still get security codes on my phone if I don't receive text messages?
If you have a U.S. phone number, you can choose to get automated phone calls that read the security code to you instead of receiving the code in a text message.
Why can't I get a security code via email?
Email phishing scams can place your personal information at serious risk. Text messages and phone calls provide greater security, and your email providers may be subject to cyberattacks that can compromise personal data on a large scale.
Do security codes work with financial aggregation services?
Yes. If you're using an aggregation service to help manage your financial accounts, you shouldn't have a problem using security codes. If you have questions about your specific aggregation service, call us at 888-353-0547. For TTY/TDD, call 800-749-7273. We're available Monday through Friday, 8 a.m. to 8 p.m., Eastern Time.
Do security codes work with international phone numbers?
Yes, our codes will work with international phone numbers. Just be sure to leave the leading "0" off when you enter your number into our system. Note that if you're enrolled and travel outside the U.S., the mobile carrier may or may not deliver the security code to you, depending on your roaming restrictions and the carrier's ability to detect your location.
Do security codes expire?
Yes, security codes expire after 10 minutes. However, you can always request a new one when you're ready.
Why aren't I receiving my security code text messages?
There are several possible explanations—one of the most common is that your phone blocks calls or texts from unknown numbers. In this case, change your phone settings and then choose to resend a code. We'll send you another security code via text or phone call.
Although unusual, it's also possible that your carrier won't deliver a code because of a network issue. If this happens, call us at 888-353-0547.
How do I update my phone number and security code settings?
If you change your phone number, you must update your Vanguard security code settings in the Security Code section of the Account Maintenance area, or the My Profile section if you're accessing the retirement plans area of the site. We'll send a validation code to your new phone number using the contact method you select. Then you'll need to enter that validation code to update the service.
If you change carriers but keep your phone number, you don't have to make any changes to your security code service. Your security codes will automatically reroute to your existing phone number through your new carrier.
What's the difference between a security code and a security key?
A security code is a unique number we'll send to your phone, while a security key is a physical USB device that connects to your computer. Both security codes and security keys help protect your account. When you obtain a security key, you'll also sign up for security codes so you can access your account if you don't have your key with you.
