Written by StockBrokers.com
In this head to head comparison of CMC Invest vs Lloyds Bank, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.
Your capital is at risk.
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, CMC Invest offers better pricing than Lloyds Bank for share dealing.
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.
Comparing CMC Invest vs Lloyds Bank on investment choices: both offer share dealing, ETFs, funds, and investment trusts, and neither supports crypto or CFD trading. Spread betting isn’t specified for either. If you want straightforward access to shares and popular funds, both cover the basics for UK investors.
The key differences are bonds and advice. Lloyds Bank lets you trade corporate bonds and government bonds (gilts) and also provides adviser services; CMC Invest does not. Reflecting this breadth, UK.StockBrokers.com rates CMC Invest 4/5 (ranked 14 of 21) and Lloyds Bank 5/5 (ranked 8 of 21). If bond access and guidance matter, Lloyds Bank may fit better; if you only need shares, ETFs, funds, and trusts, CMC Invest could suit your needs.
| Feature |
CMC Invest
|
Lloyds Bank
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | No | No |
| ETFs | Yes | Yes |
| Mutual Funds | Yes | Yes |
| Bonds - Government (Gilts) | No | Yes |
| Investment Trusts | Yes | Yes |
| Spread Betting | No | No |
| Crypto Trading | No | No |
| Advisor Services | No | Yes |
| Investment Choices |
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Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
When it comes to online trading tools, both CMC Invest and Lloyds Bank provide essential services for UK investors, but each has its own strengths. Both brokers fall short when it comes to charting features, offering no tools for displaying corporate events, drawing, or adding technical indicators, notes, and overlays to charts. However, if having a browser-based trading platform is important to you, Lloyds Bank has this feature, while CMC Invest does not.
In terms of market updates and data, CMC Invest and Lloyds Bank both allow users to create alerts for stock price changes, keeping investors informed of the latest shifts. However, CMC Invest stands out by providing real-time market data, giving traders up-to-the-minute information that Lloyds Bank does not offer. This can be a crucial factor for those who prioritize immediate market insights in their trading activities.
| Feature |
CMC Invest
|
Lloyds Bank
|
|---|---|---|
| Web Platform | No | Yes |
| Stock Alerts | Yes | Yes |
| Charting - Indicators / Studies | 0 | 0 |
| Charting - Drawing Tools | 0 | 0 |
| Charting - Notes | No | No |
| Charting - Display Corporate Events | No | No |
| Charting - Stock Overlays | No | No |
| Charting - Index Overlays | No | No |
When comparing retirement account offerings, both CMC Invest and Lloyds Bank provide options suitable for UK residents looking to plan their financial futures. They each offer Individual Savings Accounts (ISAs), allowing you to save or invest up to a certain limit tax-free each year, which can be a great way to boost your savings. Additionally, they both provide Self-Invested Personal Pensions (SIPPs), giving you the flexibility to manage your pension investments directly. Whether you are aiming to save efficiently through ISAs or actively manage your retirement fund with SIPPs, both CMC Invest and Lloyds Bank offer the accounts needed to meet your financial goals.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
UK investors comparing mobile apps will find both CMC Invest and Lloyds Bank offer iPhone and Android options, each rated 3.5 out of 5 by UK.StockBrokers.com. However, CMC Invest is ranked higher for Mobile Apps—11th out of 21 brokers—while Lloyds Bank sits at 17th. If you want similar app quality with a better overall standing, CMC Invest edges it, while Lloyds Bank remains a familiar high-street choice for managing investments on the go.
Dive deeper: Best Stock Trading Apps UK.
Comparing beginner investor education in the UK, CMC Invest and Lloyds Bank both offer no client webinars and no on‑demand webinar archives. CMC Invest provides learning on share trading and retirement (but not funds), whereas Lloyds Bank lacks education on share trading, funds, and retirement. Despite the narrower coverage, Lloyds Bank holds a higher beginner education rating from UK.StockBrokers.com (4/5, ranked 14th of 21) than CMC Invest (2.5/5, ranked 15th of 21), making Lloyds the better‑rated option, while CMC offers more topic variety.
| Feature |
CMC Invest
|
Lloyds Bank
|
|---|---|---|
| Client Webinars | No | No |
| Client Webinars (Archived) | No | No |
| Education (Share Trading) | Yes | No |
| Education (Funds) | No | No |
| Education (Retirement) | Yes | No |
| Education |
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Dive deeper: Best UK Trading Platforms for Beginners.
Comparing CMC Invest vs Lloyds Bank for market research in the UK: both offer shares research, ETF research and fund research, but only Lloyds Bank provides formal research reports for funds and adds bond research; CMC Invest lacks both fund reports and bond research. Neither platform shows portfolio allocation by asset class. If you want bond insights and fund reports, Lloyds Bank fits better; if standard shares, ETF and fund research is enough, CMC Invest will do.
| Feature |
CMC Invest
|
Lloyds Bank
|
|---|---|---|
| Research - Shares | Yes | Yes |
| Research - ETFs | Yes | Yes |
| Research - Bonds | No | Yes |
| Research - Funds | Yes | Yes |
| Fund Research - Research Reports | No | Yes |
| Portfolio Allocation Breakdown | No | No |
Which broker is better overall, CMC Invest or Lloyds Bank? After collecting more than 900 data points over a 10-week period, we found CMC Invest to be a better trading platform overall.
CMC Invest offers commission-free trading of U.K.-listed shares and U.S. equities via a mobile app only. Though a newer entrant to the U.K. share dealing market and currently somewhat limited, it’s powered by global contender CMC Markets, making it likely that its offerings will expand.
| Feature |
CMC Invest
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Lloyds Bank
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| Overall Rating |
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Both CMC Invest and Lloyds Bank do not offer cryptocurrency trading, making them comparable in their current lack of digital asset investment options.
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0 of 5| Overall Rating | CMC Invest | Lloyds Bank | |
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| Review | CMC Invest Review | Lloyds Bank Review | |
| Winner | check_circle |
| Investments | CMC Invest | Lloyds Bank | |
|---|---|---|---|
| ISA | Yes | Yes | |
| SIPP | Yes | Yes | |
| Share Trading | Yes | Yes | |
| CFD Trading | No | No | |
| Mutual Funds | Yes | Yes | |
| ETFs | Yes | Yes | |
| Bonds - Corporate | No | Yes | |
| Bonds - Government (Gilts) | No | Yes | |
| Investment Trusts | Yes | Yes | |
| Spread Betting | No | No | |
| Crypto Trading | |||
| Advisor Services | No | Yes |
| Trading Fees | CMC Invest | Lloyds Bank | |
|---|---|---|---|
| Minimum Deposit | £1 | £0 | |
| Share Trading: 0-9 Deals/ Month | £0 | £8 - £11 | |
| Share Trading: 10-19 Deals/ Month | £0 | £8 | |
| Share Trading: 20+ Deals/ Month | £0 | £8 | |
| 5 trades per year (£30k portfolio) | |||
| 12 trades per year (£30k portfolio) | |||
| 36 trades per year (£30k portfolio) | |||
| 120 trades per year (£30k portfolio) | |||
| 3 fund trades per year (£30k portfolio) | |||
| Annual Platform Fee (Funds): £0 - £250,000 | £83.88 / £131.88 | £40 | |
| Annual Platform Fee (Funds): £250K-£500K | £83.88 / £131.88 | £40 | |
| Annual Platform Fee (Funds): £500,000 - £1m | £83.88 / £131.88 | £40 | |
| Annual Platform Fee (Funds): £1m and over | £83.88 / £131.88 | £40 | |
| Bonds - Corporate - Fee | N/A | £8 - £11 | |
| Bonds - Government (Gilts) - Fee | N/A | £8 - £11 | |
| ETFs - Fee | £0 | £8 - £11 | |
| Investment Trusts - Fee | £0 | £8 - £11 | |
| Telephone Dealing Fee | £0 | £35 |
| Broker Screenshots | CMC Invest | Lloyds Bank | |
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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 | CMC Invest | Lloyds Bank | |
|---|---|---|---|
| Web Platform | No | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | Yes | |
| Charting - Indicators / Studies | 0 | 0 | |
| Charting - Drawing Tools | 0 | 0 | |
| Charting - Notes | No | No | |
| Charting - Display Corporate Events | No | No | |
| Charting - Stock Overlays | No | No | |
| Charting - Index Overlays | No | No |
| Research | CMC Invest | Lloyds Bank | |
|---|---|---|---|
| Research - Shares | Yes | Yes | |
| Research - CFDs | |||
| Research - Funds | Yes | Yes | |
| Fund Research - Research Reports | No | Yes | |
| Research - ETFs | Yes | Yes | |
| Research - Bonds | No | Yes | |
| Portfolio Allocation Breakdown | No | No |
| Education | CMC Invest | Lloyds Bank | |
|---|---|---|---|
| Education (Share Trading) | Yes | No | |
| Education (Funds) | No | No | |
| Education (Retirement) | Yes | No | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | No | No |
| Overall Summary | CMC Invest | Lloyds Bank | |
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| Review | CMC Invest Review | Lloyds Bank Review | |
| Winner | check_circle |
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