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Lloyds Bank vs CMC Invest 2026

StockBrokers.com

Written by StockBrokers.com

July 31, 2025

In this head to head comparison of Lloyds Bank vs CMC Invest, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.

Lloyds Bank
4/5 Stars Overall
  • Minimum Deposit: £1
  • ISA: Yes
  • SIPP: Yes
CMC Invest
3.5/5 Stars Overall
  • Minimum Deposit: £1
  • ISA: Yes
  • SIPP: Yes

Your capital is at risk.

Fees

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 CMC Invest for share dealing.

query_stats 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.

Investment Choices

Lloyds Bank vs CMC Invest: both offer UK share trading, ETFs, funds, and investment trusts, but neither supports crypto or CFD trading. Lloyds Bank goes further with access to corporate bonds and UK government bonds (gilts), plus adviser services, while CMC Invest does not offer bonds or advice.

For investment choices, UK.StockBrokers.com rates Lloyds Bank 4.5/5 and ranks it 7th out of 21 brokers; CMC Invest scores 4/5 and ranks 14th. If you want bonds or guidance alongside core markets, Lloyds Bank is the stronger fit; if you only need shares, ETFs, funds, and trusts, both platforms meet the brief.

Feature Lloyds Bank logoLloyds Bank
CMC Invest logoCMC Invest
Share Trading info Yes Yes
CFD Trading info No No
ETFs info Yes Yes
Mutual Funds info Yes Yes
Bonds - Government (Gilts) info Yes No
Investment Trusts info Yes Yes
Spread Betting info No No
Crypto Trading info No No
Advisor Services info Yes No
Investment Choices 4.5/5 Stars 4/5 Stars

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Trading Tools

Comparing Lloyds Bank vs CMC Invest for trading tools in the UK, Lloyds Bank offers far richer chart analysis with 93 technical indicators and the ability to add notes to charts. CMC Invest provides no technical indicators and no drawing tools, while Lloyds Bank’s drawing tools count isn’t specified. Neither broker displays corporate events (earnings, splits, dividends) on charts, and both lack index and stock overlays.

For platforms and data, Lloyds Bank provides a browser-based trading platform, while CMC Invest does not. Both brokers support stock price alerts. If you need real-time market data, CMC Invest has it; Lloyds Bank does not. In short, Lloyds Bank suits deeper chart study, whereas CMC Invest suits those who prioritise live prices and can work with very basic charts.

Feature Lloyds Bank logoLloyds Bank
CMC Invest logoCMC Invest
Web Platform info Yes No
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 93 0
Charting - Drawing Tools info 0
Charting - Notes info Yes No
Charting - Display Corporate Events info No No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No

ISAs and SIPPs

Lloyds Bank and CMC Invest both offer key UK retirement accounts: a Stocks and Shares ISA for tax-efficient investing and a SIPP (Self-Invested Personal Pension) for building your pension. Since each broker provides both an ISA and a SIPP, the choice largely comes down to factors like fees, platform ease of use, investment range, and customer service. If you want a simple ISA to shelter returns or a flexible SIPP to manage your pension pot, either provider covers the essentials—compare costs and features to find the best fit for your goals.

Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.

Mobile App

For UK investors comparing mobile trading apps, Lloyds Bank and CMC Invest both offer iPhone and Android apps and each earns a 3.5 out of 5 rating from UK.StockBrokers.com; however, in the site’s Mobile Apps ranking of 21 brokers, CMC Invest sits at #13 while Lloyds Bank is #14, giving CMC Invest a slight edge in overall standing.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

Comparing Lloyds Bank vs CMC Invest for beginner investor education in the UK: neither broker runs client webinars or offers on-demand recordings. Topic coverage varies—Lloyds Bank provides no education on share trading, funds, or retirement, while CMC Invest offers education on share trading and retirement but not funds. Despite this, UK.StockBrokers.com rates Lloyds Bank higher for beginner education (4/5 stars, ranked 11th of 21) than CMC Invest (2.5/5 stars, ranked 16th of 21).

Feature Lloyds Bank logoLloyds Bank
CMC Invest logoCMC Invest
Client Webinars info No No
Client Webinars (Archived) info No No
Education (Share Trading) info No Yes
Education (Funds) info No No
Education (Retirement) info No Yes
Education 4/5 Stars 2.5/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

In a UK-focused Lloyds Bank vs CMC Invest market research comparison, Lloyds offers wider coverage: it provides research reports for funds and research on shares, ETFs, funds and bonds. CMC Invest lacks fund research reports and has no bonds research, though it does cover shares, ETFs and funds. Neither platform shows portfolio allocation by asset class, so you may need a separate tool for portfolio analysis.

Feature Lloyds Bank logoLloyds Bank
CMC Invest logoCMC Invest
Research - Shares info Yes Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes No
Research - Funds info Yes Yes
Fund Research - Research Reports info Yes No
Portfolio Allocation Breakdown info No No

Lloyds Bank vs CMC Invest Winner

Which broker is better overall, Lloyds Bank or CMC Invest? After collecting more than 900 data points over a 10-week period, we found Lloyds Bank to be a better trading platform overall.

Lloyds Bank is a U.K. investment platform best known for its simple, low-cost investing options, support for ISAs and SIPPs, and appeal to long-term, hands-off investors.

Feature Lloyds Bank logoLloyds Bank
CMC Invest logoCMC Invest
Overall Rating 4/5 Stars 3.5/5 Stars
Charges & Fees 4.5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 4/5 Stars
Mobile App 3.5/5 Stars 3.5/5 Stars
Website 4/5 Stars 2.5/5 Stars
Ease of Use 4/5 Stars 4.5/5 Stars
Education 4/5 Stars 2.5/5 Stars

FAQs

Can you trade cryptocurrency with Lloyds Bank or CMC Invest?

Lloyds Bank vs CMC Invest: neither online broker offers crypto or cryptocurrency trading, so investors seeking digital asset exposure will need to use a dedicated crypto platform instead.

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Overall Rating Lloyds Bank CMC Invest
Overall Rating 4/5 Stars 3.5/5 Stars
Charges & Fees 4.5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 4/5 Stars
Mobile App 3.5/5 Stars 3.5/5 Stars
Website 4/5 Stars 2.5/5 Stars
Ease of Use 4/5 Stars 4.5/5 Stars
Education 4/5 Stars 2.5/5 Stars
Review Lloyds Bank Review CMC Invest Review
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Investments Lloyds Bank CMC Invest
ISA info Yes Yes
SIPP info Yes Yes
Share Trading info Yes Yes
CFD Trading info No No
Mutual Funds info Yes Yes
ETFs info Yes Yes
Bonds - Corporate info Yes No
Bonds - Government (Gilts) info Yes No
Investment Trusts info Yes Yes
Spread Betting info No No
Crypto Trading info
Advisor Services info Yes No
Trading Fees Lloyds Bank CMC Invest
Minimum Deposit info £1 £1
Share Trading: 0-9 Deals/ Month info £9.50 £0
Share Trading: 10-19 Deals/ Month info £8 £0
Share Trading: 20+ Deals/ Month info £8 £0
5 trades per year (£30k portfolio) info
12 trades per year (£30k portfolio) info
36 trades per year (£30k portfolio) info
120 trades per year (£30k portfolio) info
3 fund trades per year (£30k portfolio) info
Annual Platform Fee (Funds): £0 - £250,000 info £36 £83.88 / £131.88 info
Annual Platform Fee (Funds): £250K-£500K info £36 £83.88 / £131.88 info
Annual Platform Fee (Funds): £500,000 - £1m info £36 £83.88 / £131.88 info
Annual Platform Fee (Funds): £1m and over info £36 £83.88 / £131.88 info
Bonds - Corporate - Fee info £9.50 N/A
Bonds - Government (Gilts) - Fee info £9.50 N/A
ETFs - Fee info £9.50 £0
Investment Trusts - Fee info N/A £0
Telephone Dealing Fee info £35 £0
Broker Screenshots Lloyds Bank CMC Invest
Website Gallery (click to expand)
Lloyds Investing tab on the website. Ways to Invest page on the Lloyds website. Lloyds Share Dealing homepage. Lloyds Share Dealing no trade commission overseas stock purchase. Lloyds Share Dealing dividend diary. Lloyds Share Dealing buy Vanguard fund. Lloyds Share Dealing associated costs. Lloyds share dealing buy British land.
CMC Invest UK ESG profile Vanguard S&P 500 ETF. CMC Invest UK key mission. Pricing plans on the CMC Invest website. CMC Invest UK YouTube channel educational video Opto research team. CMC-Invest UK Compass bi-weekly email newsletter Opto research. CMC Invest UK mobile app research ESG risk score detail.
Mobile Trading Apps Gallery (click to expand)
Home tab of the Lloyds mobile app. Assortment of investing tools on the Lloyds mobile app. Educational articles on the Lloyds mobile app. Lloyds app other services. Lloyds Share Dealing ETF Quicklist.
CMC Invest UK mobile app watchlist. CMC Invest UK mobile app stock financials Barclays. CMC Invest UK mobile app view stock Kimball Electronics. List of stocks with a high ESG score on the CMC Invest app. CMC Invest UK mobile app ESG preferences. CMC Invest UK mobile app trade US shares. CMC Invest UK mobile app charting. CMC Invest UK mobile app home screen Discover tab on the CMC Invest app to find trading ideas. Offer screen for switching to Premium on the CMC Invest mobile app. CMC Invest UK mobile app research ESG product involvement areas. CMC Invest UK mobile app account popular shares screener. CMC Invest UK mobile app pre-defined screeners sorting. CMC Invest UK mobile app discover funds. CMC Invest UK mobile app research ESG factors. CMC Invest UK mobile app research ESG scoring.
Education Gallery (click to expand)
The Learn Hub on the CMC Invest website. CMC Invest UK educational content learn ETFs. CMC Invest UK education topics. CMC Invest UK educational article detail. CMC Invest UK community.
Platforms & Tools Lloyds Bank CMC Invest
Web Platform info Yes No
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 93 0
Charting - Drawing Tools info 0
Charting - Notes info Yes No
Charting - Display Corporate Events info No No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No
Research Lloyds Bank CMC Invest
Research - Shares info Yes Yes
Research - CFDs info
Research - Funds info Yes Yes
Fund Research - Research Reports info Yes No
Research - ETFs info Yes Yes
Research - Bonds info Yes No
Portfolio Allocation Breakdown info No No
Education Lloyds Bank CMC Invest
Education (Share Trading) info No Yes
Education (Funds) info No No
Education (Retirement) info No Yes
Client Webinars info No No
Client Webinars (Archived) info No No
Overall Summary Lloyds Bank CMC Invest
Overall Rating 4/5 Stars 3.5/5 Stars
Charges & Fees 4.5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 4/5 Stars
Mobile App 3.5/5 Stars 3.5/5 Stars
Website 4/5 Stars 2.5/5 Stars
Ease of Use 4/5 Stars 4.5/5 Stars
Education 4/5 Stars 2.5/5 Stars
Review Lloyds Bank Review CMC Invest Review
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