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AJ Bell Youinvest vs Lloyds Bank 2020

Your capital is at risk.
Is AJ Bell Youinvest better than Lloyds Bank? After scoring UK share dealing accounts on over 40 different variables, AJ Bell Youinvest is better than Lloyds Bank. AJ Bell Youinvest charges £9.95 per trade with a discounted £4.95 per trade rate for investors who place over ten trades a month. AJ Bell offers high-quality research as well as an impressive mobile app. Conversely, AJ Bell offers an average trading platform and basic educational resources.

Overall Rating

Feature AJ Bell Youinvest Lloyds Bank
Overall 4 3.5
AJ Bell Youinvest Review Lloyds Bank Review

Trading Fees

Feature AJ Bell Youinvest Lloyds Bank
Share Trading: 0-9 Deals/ Month
£9.95 £11.00
Share Trading: 10-19 Deals/ Month
£4.95 £8.00
Share Trading: 20+ Deals/ Month
£4.95 £8.00
Annual Custody Fee: £0 - £250,000*
0.25% (Max £7.50 per quarter) £40 (flat)
Bonds - Government (Gilts) - Fee
£9.95 £11.00
ETFs - Fee
£9.95 £11.00
Investment Trusts - Fee
£9.95 £11.00
Telephone Dealing Fee*
£29.95 £35.00
Commissions & Fees 4 3.5
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Platforms & Tools

Feature AJ Bell Youinvest Lloyds Bank
Desktop Platform (Windows)
No No
Web Platform
Yes Yes
iPhone App
Yes No
Android App
Yes No
Stock Alerts
No Yes
Charting - Indicators / Studies
10 91
Charting - Drawing Tools
1 17
Charting - Notes
No No
Charting - Display Corporate Events
Yes Yes
Charting - Stock Overlays
Yes No
Platform & Tools 3 3.5
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Research

Feature AJ Bell Youinvest Lloyds Bank
Research - Shares
Yes Yes
Research - CFDs
No No
Research - Funds
Yes Yes
Fund Research - Research Reports
Yes No
Research - ETFs
Yes Yes
Research - Bonds
Yes Yes
Portfolio Allocation Breakdown
Yes Yes
Research 4 4
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Investments

Feature AJ Bell Youinvest Lloyds Bank
Share Trading
Yes Yes
CFD Trading
No No
Funds
Yes Yes
ETFs
Yes Yes
Bonds - Corporate
Yes Yes
Bonds - Government (Gilts)
Yes Yes
Investment Trusts
Yes Yes
Spread Betting
No No
Advisor Services
No Yes
Offering of Investments 3 4
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Education

Feature AJ Bell Youinvest Lloyds Bank
Has Education - Share Trading
Yes Yes
Has Education - Funds
Yes Yes
Has Education - Retirement
Yes Yes
Client Webinars
No No
Client Webinars (Archived)
Yes No
Education 3.5 3.5

Overall

Feature AJ Bell Youinvest Lloyds Bank
AJ Bell Youinvest Review Lloyds Bank Review
Overall 4 3.5
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Our UK.StockBrokers.com team spent seven months and hundreds of hours assessing 12 different share dealing accounts for buying shares online in the UK. In total, 46 individual variables were assessed. For this review, we will compare AJ Bell Youinvest vs Lloyds Bank.

Which broker is cheaper: AJ Bell Youinvest or Lloyds Bank?

It's important to note that not only is there the cost to place the trade, but most share dealing brokers also charge a monthly, quarterly, or annual management fee depending on the type and size of your portfolio. We assessed both to provide a single star rating for cost. AJ Bell Youinvest is a better option with a 4.00 star rating over Lloyds Bank's 3.50 star rating.

Further breaking down costs, we analyzed four different trading scenarios. For all four scenarios, we are assuming a £30,000 portfolio for custody fees.

1 Trade Per Month - AJ Bell Youinvest only charges £149.40 while Lloyds Bank charges £172.00.

3 Trades Per Month - AJ Bell Youinvest is cheaper under this scenario. AJ Bell Youinvest would cost £388.20 while Lloyds Bank would cost £436.00.

10 Trades Per Month - AJ Bell Youinvest is the cheaper option. Fees with AJ Bell Youinvest would be £624 while fees with Lloyds Bank would be £1000.

20 Trades Per Month - AJ Bell Youinvest costs less in this case. AJ Bell Youinvest charges £1218 while Lloyds Bank charges £1960.

The annual management fee for each broker, which is a percentage of total assets, is as follows under a £30,000 portfolio AJ Bell Youinvest charges 0.25% (Max £7.50 per quarter) while Lloyds Bank charges £40 (flat).

Does AJ Bell Youinvest or Lloyds Bank offer a wider range of investment options?

Lloyds Bank offers a more diverse selection of investment options than AJ Bell Youinvest. Lloyds Bank offers investors access to Advisor Services, ETFs, Funds, ISA, SIPP, Share Trading and Bonds - Government (Gilts). Investing encompasses a wide variety of asset classes, so finding a broker that offers every investment type you are interested in is important.

Is AJ Bell Youinvest or Lloyds Bank better for research?

Research helps traders analyze potential investments, examine market sentiment, and learn about companies on a high-level. Our testing concluded that AJ Bell Youinvest is better for research than Lloyds Bank. AJ Bell Youinvest offers more research options, including research reports, articles, and analyst ratings.

Which trading platform is better: AJ Bell Youinvest or Lloyds Bank?

To compare the trading platforms of both AJ Bell Youinvest and Lloyds Bank, we tested each broker's trading tools. Overall, Lloyds Bank offers a better experience. Looking at charting, Lloyds Bank offers its clients access to 17 charting tools while AJ Bell Youinvest has 1 charting tools, a difference of 16. AJ Bell Youinvest trails Lloyds Bank by 81 total different indicators (for example, moving averages), with Lloyds Bank offering 91 and AJ Bell Youinvest offering 10.

Overall, between AJ Bell Youinvest and Lloyds Bank, AJ Bell Youinvest is the winner.

AJ Bell Youinvest Review
Lloyds Bank Review


All pricing data was obtained from a published web site as of 01/15/2020 and is believed to be accurate, but is not guaranteed. The UK.StockBrokers.com staff is constantly working with its online broker representatives to obtain the latest pricing data. If you believe any data listed above is inaccurate, please contact us using the link at the bottom of this page.

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