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AJ Bell Youinvest vs Lloyds Bank 2020

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Is Lloyds Bank better than AJ Bell Youinvest? After scoring UK share dealing accounts in six areas for our 2019 review, AJ Bell Youinvest is better than Lloyds Bank. AJ Bell Youinvest charges £9.95 per trade and a discounted £4.95 per trade for investors who place over ten trades a month. AJ Bell offers high-quality research driven by Morningstar as well as an impressive mobile app. Conversely, AJ Bell offers an average trading platform and basic education 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) £40.00
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
Winner check_circle

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
Winner check_circle

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
Winner check_circle
After seven months and hundreds of hours of researching 12 different share dealing brokers, the UK.StockBrokers.com team collected thousands of data points. To focus on two brokers, we will now compare AJ Bell Youinvest vs Lloyds Bank.

First, we will compare the fees charged for dealing in the UK. There are two primary fees: the cost to place each trade and the monthly, quarterly, or annual management fee charged which varies depending on the type and size of your portfolio. We researched both to provide a single star rating for cost. AJ Bell Youinvest's score is 4.00 stars versus Lloyds Bank's 3.50 stars.

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

Scenario 1 - If you make 1 trade a month, or 12 per year, the fees with Lloyds Bank wold be £172 and the fees with AJ Bell Youinvest would be £149.40.

Scenario 2 - If you make 3 trades a month, or 36 per year, the fees with Lloyds Bank wold be £436 and the fees with AJ Bell Youinvest would be £388.20.

Scenario 3 - If you make 10 trades a month, or 120 per year, the fees with AJ Bell Youinvest wold be £624 and the fees with Lloyds Bank would be £1000.

Scenario 4 - 240 trades per year, or 20 trades per month. AJ Bell Youinvest charges £1218 and Lloyds Bank charges £1960.

Cost aside, we can now compare popular features and tools investors prefer. Access to the investments you want is important, and Lloyds Bank offers clients ISA and SIPP while AJ Bell Youinvest offers ISA, ISA - Junior, SIPP and SIPP - Junior. Next, some traders desire robust charting, so the number of drawing tools and total technical indicators made available, as well as stock alerts, are considered. Lloyds Bank boasts an offering of 17 charting tools compared to AJ Bell Youinvest's 1 available charting tools. Lloyds Bank boasts an offering of 91 different indicators (for example, moving averages) compared to AJ Bell Youinvest's 10 available indicators. Lloyds Bank makes basic stock alerts available to clients, while AJ Bell Youinvest does not. Finally, for researching funds while share dealing, having access to mutual fund research reports is also helpful. AJ Bell Youinvest has fund research reports, Lloyds Bank doesn't.

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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