Written by StockBrokers.com
In this head to head comparison of Lloyds Bank vs Capital.com, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.
Alongside the cost per trade, most UK online brokers also charge a monthly, quarterly, or annual management fee, which varies based on the account type and balance. Based on our thorough review, Capital.com offers better pricing than Lloyds Bank for share dealing.
Assuming a £30,000 portfolio size, here are the total annual costs for share dealing with both brokers, given different monthly activity scenarios.
5 trades per year - Lloyds Bank would cost £95 per year, while Capital.com would cost N/A per year.
12 trades per year - Lloyds Bank would cost £40 - £172 per year, while Capital.com would cost N/A per year.
36 trades per year - Lloyds Bank would cost £40 - £328 per year, while Capital.com would cost N/A per year.
120 trades per year - Lloyds Bank would cost £40 / £1,000 per year, while Capital.com would cost N/A per year.
3 fund trades per year - Lloyds Bank would cost £0 per year, while Capital.com would cost £20 per year.
What type of trader are you?
New to the world of investing? See our picks for the Best UK Trading Platforms for Beginners. More experienced traders should read our guide to the Best UK Trading Platforms for Active Traders.
When choosing between Lloyds Bank and Capital.com for online trading, investors are presented with distinct offerings. Lloyds Bank caters to traditional investors with a focus on share trading, ETFs, funds, corporate bonds, government bonds, and investment trusts. This extensive array of investment choices is further complemented by advisor services, making Lloyds Bank a well-rounded platform for those seeking a wide range of investment options and expert guidance.
In contrast, Capital.com offers a more focused selection, with availability in share trading and CFD trading. However, it does not extend to ETFs, funds, corporate bonds, or advisory services. Reflecting their services, Lloyds Bank boasts a 5-star rating from UK.StockBrokers.com, ranking 8th out of 18 brokers for investment choices, while Capital.com holds a 2.5-star rating, positioned at 17th. As such, Lloyds Bank might be more appealing to investors seeking a diverse portfolio, whereas Capital.com could attract those interested in specialized CFD trading.
| Feature |
Lloyds Bank
|
Capital.com
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | No | Yes |
| ETFs | Yes | No |
| Funds | Yes | No |
| Bonds - Government (Gilts) | Yes | No |
| Investment Trusts | Yes | No |
| Spread Betting | No | Yes |
| Crypto Trading | No | No |
| Advisor Services | Yes | No |
| Investment Choices |
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Professional’s Gateway to the World’s Markets.
Low-cost US and UK shares.
When evaluating the trading tools of online brokers Lloyds Bank and Capital.com, significant differences come to light. Lloyds Bank lacks corporate event displays on charts, offers no drawing tools, and doesn't provide any technical indicators. Although it does support a browser-based trading platform and stock price alerts, it falls short with no option to add notes to charts and no real-time market data.
In contrast, Capital.com presents a more robust trading environment, offering 18 drawing tools and 77 technical indicators, making it suitable for detailed technical analysis. While it also lacks corporate and stock overlay features, it allows users to add notes to charts. Both brokers provide a browser-based platform and stock price alerts, but only Capital.com delivers real-time market data, making it a preferable choice for those needing up-to-the-minute information.
| Feature |
Lloyds Bank
|
Capital.com
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | Yes |
| Charting - Indicators / Studies | 0 | 77 |
| Charting - Drawing Tools | 0 | 18 |
| Charting - Notes | No | Yes |
| Charting - Display Corporate Events | No | No |
| Charting - Stock Overlays | No | No |
| Charting - Index Overlays | No | No |
When choosing an online broker for retirement accounts, consider the offerings of Lloyds Bank compared to Capital.com. Lloyds Bank stands out by providing both ISA and SIPP accounts, offering flexible options for individual savings accounts and self-invested personal pensions, which are essential for retirement planning. On the other hand, Capital.com does not support either ISA or SIPP accounts, making it less comprehensive for those focusing on building their retirement savings through these specific account types. This distinction could be a deciding factor for investors looking to incorporate tax-efficient savings vehicles into their retirement strategy.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
When it comes to mobile apps, both Lloyds Bank and Capital.com provide options for iPhone and Android users, ensuring accessibility on the go. However, there are notable differences in their app performances. According to UK.StockBrokers.com, Lloyds Bank's app receives a rating of 3.5 out of 5 stars, earning it 15th place in a ranking of 18 brokers. In contrast, Capital.com's app achieves a higher rating of 4.5 stars and is ranked 11th among the same brokers. These reviews suggest that while both brokers offer mobile app solutions, Capital.com appears to deliver a more favorable user experience.
Dive deeper: Best Stock Trading Apps UK.
When comparing the educational resources for beginner investors offered by Lloyds Bank and Capital.com, both platforms lack client webinars, on-demand webinar access, and educational content specifically for share trading, funds, and retirement. However, in terms of beginner education rating, Lloyds Bank holds a slight edge with a UK.StockBrokers.com rating of 4 stars and a ranking of 15th out of 18 brokers. Capital.com, on the other hand, received a 3.5-star rating and is ranked 17th. Overall, Lloyds Bank appears to be marginally ahead in beginner education offerings, according to these ratings, even though both brokers could significantly improve their educational resources for novice investors.
| Feature |
Lloyds Bank
|
Capital.com
|
|---|---|---|
| Client Webinars | No | No |
| Client Webinars (Archived) | No | No |
| Education (Share Trading) | No | No |
| Education (Funds) | No | No |
| Education (Retirement) | No | No |
| Education |
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|
Dive deeper: Best UK Trading Platforms for Beginners.
When it comes to market research features, Lloyds Bank and Capital.com each have their strengths. Lloyds Bank stands out with comprehensive research reports covering funds, shares, ETFs, and bonds, making it a robust choice for those needing detailed insights into these areas. However, it lacks the ability to view portfolio allocation by asset class and doesn't offer research on CFDs. In contrast, Capital.com excels by providing portfolio allocation views by asset class and specializes in CFDs research. Although it doesn't offer traditional research reports on funds, shares, ETFs, or bonds, it may appeal to traders focused on portfolio composition and CFDs. Both platforms cater to different investor needs, with Lloyds Bank being more suitable for investors seeking broad research resources and Capital.com appealing to those focusing on portfolio management and derivative trading.
| Feature |
Lloyds Bank
|
Capital.com
|
|---|---|---|
| Research - Shares | Yes | No |
| Research - CFDs | No | Yes |
| Research - ETFs | Yes | No |
| Research - Bonds | Yes | No |
| Research - Funds | Yes | No |
| Fund Research - Research Reports | Yes | No |
| Portfolio Allocation Breakdown | No | Yes |
Which broker is better overall, Lloyds Bank or Capital.com? After collecting more than 900 data points over a 10-week period, we found Lloyds Bank to be a better trading platform overall.
It's easy for current Lloyds Bank customers to open a Lloyds Bank Share Dealing investment account. But there are other platforms that are easier, more comprehensive and cheaper to use, including Halifax, which is also owned by Lloyds Banking Group.
| Feature |
Lloyds Bank
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Capital.com
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When comparing online brokers Lloyds Bank and Capital.com, it's important to note that neither platform offers cryptocurrency trading options.
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0 of 5| Overall Rating | Lloyds Bank | Capital.com | |
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| Review | Lloyds Bank Review | Capital.com Review | |
| Winner | check_circle |
| Investments | Lloyds Bank | Capital.com | |
|---|---|---|---|
| ISA | Yes | No | |
| SIPP | Yes | No | |
| Share Trading | Yes | Yes | |
| CFD Trading | No | Yes | |
| Funds | Yes | No | |
| ETFs | Yes | No | |
| Bonds - Corporate | Yes | No | |
| Bonds - Government (Gilts) | Yes | No | |
| Investment Trusts | Yes | No | |
| Spread Betting | No | Yes | |
| Crypto Trading | No | No | |
| Advisor Services | Yes | No |
| Trading Fees | Lloyds Bank | Capital.com | |
|---|---|---|---|
| Minimum Deposit | £0 | £20 | |
| Share Trading: 0-9 Deals/ Month | £8, £10, £11 | N/A | |
| Share Trading: 10-19 Deals/ Month | £8 | N/A | |
| Share Trading: 20+ Deals/ Month | £8 | N/A | |
| 5 trades per year (£30k portfolio) | £95 | N/A | |
| 12 trades per year (£30k portfolio) | £40 - £172 | N/A | |
| 36 trades per year (£30k portfolio) | £40 - £328 | N/A | |
| 120 trades per year (£30k portfolio) | £40 / £1,000 | N/A | |
| 3 fund trades per year (£30k portfolio) | £44.50 | N/A | |
| Annual Custody Fee: £0 - £250,000 | £40 | £0 | |
| Annual Custody Fee: £250K-£500K | £40 | £0 | |
| Annual Custody Fee: £500,000 - £1m | £40 | £0 | |
| Annual Custody Fee: £1m and over | £40 | £0 | |
| Bonds - Corporate - Fee | £8 - £11 | N/A | |
| Bonds - Government (Gilts) - Fee | £8 - £11 | N/A | |
| ETFs - Fee | N/A | ||
| Investment Trusts - Fee | N/A | ||
| Telephone Dealing Fee | £35 | N/A |
| Broker Screenshots | Lloyds Bank | Capital.com | |
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| Website Gallery (click to expand) |
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| Mobile Trading Apps Gallery (click to expand) |
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| Education Gallery (click to expand) |
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| Platforms & Tools | Lloyds Bank | Capital.com | |
|---|---|---|---|
| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | Yes | |
| Charting - Indicators / Studies | 0 | 77 | |
| Charting - Drawing Tools | 0 | 18 | |
| Charting - Notes | No | Yes | |
| Charting - Display Corporate Events | No | No | |
| Charting - Stock Overlays | No | No | |
| Charting - Index Overlays | No | No |
| Research | Lloyds Bank | Capital.com | |
|---|---|---|---|
| Research - Shares | Yes | No | |
| Research - CFDs | No | Yes | |
| Research - Funds | Yes | No | |
| Fund Research - Research Reports | Yes | No | |
| Research - ETFs | Yes | No | |
| Research - Bonds | Yes | No | |
| Portfolio Allocation Breakdown | No | Yes |
| Education | Lloyds Bank | Capital.com | |
|---|---|---|---|
| Education (Share Trading) | No | No | |
| Education (Funds) | No | No | |
| Education (Retirement) | No | No | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | No | No |
| Overall Summary | Lloyds Bank | Capital.com | |
|---|---|---|---|
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| Review | Lloyds Bank Review | Capital.com Review | |
| Winner | check_circle |
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