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, Lloyds Bank offers better pricing than Capital.com 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.
For UK investors assessing their options between Lloyds Bank and Capital.com, it's essential to note the stark differences in available investment choices. Lloyds Bank excels by offering share trading, which Capital.com does not provide. Investors can also explore ETFs, funds, corporate bonds, government bonds, and investment trusts through Lloyds Bank, coupled with the added benefit of advisor services. Given these comprehensive offerings, Lloyds Bank receives a strong 5-star rating from UK.StockBrokers.com for its investment choices, securing the 8th position out of 18 brokers.
In contrast, Capital.com primarily focuses on providing CFD trading, setting it apart from the traditional investment options found at Lloyds Bank. However, the lack of access to wider investment categories like shares or ETFs diminishes its appeal for those looking for more diversified opportunities. Consequently, Capital.com garners a modest 2.5-star rating from UK.StockBrokers.com, indicating its narrower range compared to competitors in the UK financial market.
| Feature |
Lloyds Bank
|
Capital.com
|
|---|---|---|
| Share Trading | Yes | No |
| 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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Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
When comparing the online trading tools of Lloyds Bank and Capital.com, UK traders might notice some notable differences. Lloyds Bank provides essential features like a browser-based trading platform and the ability to create alerts for stock price updates, however, the charting tools are quite limited. It lacks both drawing tools and technical indicators, and does not allow users to display corporate events, add notes to charts, or overlay stock or index data. Additionally, Lloyds Bank does not provide real-time market data, which might be a limitation for more active traders.
On the other hand, Capital.com seems to cater more to technical traders with its extensive charting tools. It offers 18 different drawing tools and 77 technical indicators, giving users a more detailed view of the market. Whilst it, like Lloyds Bank, does not display corporate events or offer stock and index overlays on charts, it does allow traders to add notes to charts, which can be valuable for strategizing. Capital.com also provides real-time market data, which might appeal to those who require up-to-the-minute information to make trading decisions. Both platforms offer browser-based trading and stock price alerts, ensuring some basic functionalities are covered.
| 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 comparing online brokers Lloyds Bank and Capital.com for retirement account options, UK investors will find distinct differences in the offerings of these two platforms. Lloyds Bank provides Individual Savings Accounts (ISAs) and Self-Invested Personal Pensions (SIPPs), making it a suitable choice for those looking to manage their retirement savings with these popular account types. In contrast, Capital.com does not offer ISAs or SIPPs, which may limit its appeal to individuals focusing on retirement-specific investment solutions. This variance underscores the importance of aligning your choice of broker with your specific retirement planning needs.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
When comparing the mobile app offerings of Lloyds Bank and Capital.com for online trading, both provide apps compatible with iPhone and Android devices, ensuring accessibility for users regardless of their smartphone preference. However, based on a review by UK.StockBrokers.com, Capital.com outshines Lloyds Bank with a higher mobile app rating of 4.5 stars, compared to Lloyds Bank’s 3.5 stars. Furthermore, in a ranking of 18 brokers for mobile app performance, Lloyds Bank stands at #17. With its superior rating, Capital.com presents a more favorable choice for those prioritizing mobile app functionality in the UK, though it's not ranked in the list.
Dive deeper: Best Stock Trading Apps UK.
For beginner investors in the UK looking to enhance their financial knowledge, both Lloyds Bank and Capital.com offer limited educational resources. Neither Lloyds Bank nor Capital.com provides educational webinars, archived viewing options, or educational material on share trading, funds, or retirement. Despite this, Lloyds Bank receives a slightly higher beginner education rating of 4 stars from UK.StockBrokers.com, compared to Capital.com's 3.5 stars. Among 18 brokers, Lloyds Bank ranks 14th for beginner education, while Capital.com is unranked, signaling marginally better recognition for Lloyds Bank in this area.
| 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 comparing Lloyds Bank and Capital.com for market research features, UK investors will notice key differences in their offerings. Lloyds Bank provides extensive research reports, catering to those interested in funds, shares, ETFs, and bonds, making it ideal for investors seeking detailed insights across these categories. However, Lloyds Bank lacks capabilities for viewing portfolio allocation by asset class, which Capital.com offers. On the other hand, Capital.com provides research for CFDs but does not cover funds, shares, ETFs, or bonds. Thus, Lloyds Bank is suited for investors seeking comprehensive research options in traditional investment products, while Capital.com may appeal to those focusing on CFDs with an emphasis on asset allocation insights.
| 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.
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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 | No | |
| 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 - £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 | £8 - £11 | N/A | |
| Investment Trusts - Fee | £8 - £11 | 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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