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eToro vs Lloyds Bank 2025

StockBrokers.com

Written by StockBrokers.com

April 17, 2025

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

eToro
4.5/5 Stars Overall
  • Minimum Deposit: $50 info
  • ISA: Yes
  • SIPP:
Lloyds Bank
4/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: Yes

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, eToro 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 - eToro would cost £0 per year, while Lloyds Bank would cost £95 per year.

12 trades per year - eToro would cost £0 per year, while Lloyds Bank would cost £40 - £172 per year.

36 trades per year - eToro would cost £0 per year, while Lloyds Bank would cost £40 - £328 per year.

120 trades per year - eToro would cost £0 per year, while Lloyds Bank would cost £40 / £1,000 per year.

3 fund trades per year - eToro would cost $50 per year, while Lloyds Bank would cost £0 per year.

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

For UK investors exploring diverse investment opportunities, eToro and Lloyds Bank present distinct platforms. eToro is a popular choice for those interested in modern trading options, offering share and crypto trading, along with the ability to trade ETFs and CFDs. However, eToro does not provide access to traditional investment avenues like funds or bonds. On the other hand, Lloyds Bank caters to these conventional investment options, allowing clients to trade shares, ETFs, as well as corporate and government bonds. Additionally, Lloyds extends its offerings with investment trusts and provides advisory services to guide investors.

When it comes to expert evaluations, UK.StockBrokers.com rates Lloyds Bank with a perfect 5 stars for its comprehensive investment choices, ranking it 8th out of 21 brokers. In contrast, eToro earns a respectable 4.5 stars, but ranks lower at 15th place, highlighting its strength in specific trading areas while lacking the broader spectrum provided by Lloyds. Ultimately, the choice between eToro and Lloyds Bank will depend on whether an investor's preference leans toward innovative, online trading options or a more traditional, advisory-supported investment approach.

Feature eToro logoeToro
Lloyds Bank logoLloyds Bank
Share Trading info Yes Yes
CFD Trading info Yes
ETFs info Yes Yes
Funds info Yes
Bonds - Government (Gilts) info Yes
Investment Trusts info Yes
Spread Betting info
Crypto Trading info Yes
Advisor Services info Yes
Investment Choices 4.5/5 Stars 5/5 Stars

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Trading Tools

For UK traders seeking advanced charting features, eToro stands out with a range of tools that truly enhances the trading experience. eToro provides 56 drawing tools and 106 technical indicators, allowing traders to perform detailed analysis. Features like the ability to display corporate events on charts, add notes, and include both index and stock overlays offer maximum flexibility and insight. This platform also supports real-time market data and allows users to set alerts for stock price updates, all accessible through a convenient browser-based interface.

Lloyds Bank, on the other hand, offers limited tools in comparison. While it does provide a browser-based trading platform and the capability to create alerts for stock price updates, it lacks the advanced charting features found on eToro. Charting tools, corporate event displays, and overlay options are not available, which may not meet the needs of traders looking for in-depth analysis capabilities. This positions eToro as a more comprehensive option for those who prioritize charting and advanced trading features.

Feature eToro logoeToro
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 106 0
Charting - Drawing Tools info 56 0
Charting - Notes info Yes
Charting - Display Corporate Events info
Charting - Stock Overlays info Yes
Charting - Index Overlays info Yes

ISAs and SIPPs

When comparing online broker eToro and Lloyds Bank for retirement account options in the UK, both provide Individual Savings Accounts (ISAs) to help you save tax-efficiently. However, when it comes to Self-Invested Personal Pensions (SIPPs), you'll find that only Lloyds Bank offers this option, allowing you to manage your retirement savings with a bit more flexibility. Whether you're looking to invest with the innovative, online-driven platform of eToro or the traditional banking expertise of Lloyds Bank, evaluating your personal savings and investment goals will help determine the best fit for your retirement planning needs.

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

Mobile App

When comparing the mobile apps of online broker eToro and Lloyds Bank, both platforms offer apps compatible with iPhone and Android devices. However, eToro stands out with a 5-star rating from UK.StockBrokers.com, securing the 5th spot among 21 brokers for its mobile app experience. In contrast, Lloyds Bank's app receives a 3.5-star rating, ranking 17th out of the same group. This positions eToro as a more favorable choice for users prioritizing mobile functionality and ease of use.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

When comparing the educational resources for beginner investors offered by eToro and Lloyds Bank, several key differences emerge. Both platforms do not provide live or archived webinars for clients, limiting options for interactive learning. However, eToro stands out by offering comprehensive education on share trading, while Lloyds Bank appears not to cover this topic extensively. Neither eToro nor Lloyds Bank provides substantial educational content on funds or retirement. According to UK.StockBrokers.com, eToro receives a commendable rating of 4.5 stars for beginner education and is ranked 11th out of 21 brokers. In contrast, Lloyds Bank earns a 4-star rating and is positioned 14th, suggesting that eToro may be a slightly more advantageous choice for beginners looking to delve into the world of investing in the UK.

Feature eToro logoeToro
Lloyds Bank logoLloyds Bank
Client Webinars info
Client Webinars (Archived) info
Education (Share Trading) info Yes
Education (Funds) info
Education (Retirement) info
Education 4.5/5 Stars 4/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

When comparing eToro and Lloyds Bank for their market research offerings, UK investors will find distinct advantages with both platforms. eToro provides detailed options, such as the ability to view portfolio allocation by asset class and access research on shares, ETFs, and CFDs. However, it lacks research reports specific to funds and bonds. Conversely, Lloyds Bank shines in offering comprehensive research on funds and bonds, as well as shares and ETFs, providing a well-rounded option for investors seeking those specific insights. While it doesn't match eToro's portfolio allocation features, Lloyds Bank's strength lies in its extensive research availability, making it a solid choice for those focused on funds and bonds.

Feature eToro logoeToro
Lloyds Bank logoLloyds Bank
Research - Shares info Yes Yes
Research - CFDs info Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes
Research - Funds info Yes
Fund Research - Research Reports info Yes
Portfolio Allocation Breakdown info Yes

eToro vs Lloyds Bank Winner

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

eToro offers a wide range of assets and instruments and is well-known for its ‘social trading’ approach. It has among the lowest fees and best mobile app experiences of brokers we tested in the U.K., and offers a great starting point for those new to stock trading. Our analysis finds it better suited to short-term traders than long-term investors.

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

FAQs

Can you trade cryptocurrency with eToro or Lloyds Bank?

In the realm of online trading, eToro distinguishes itself by offering cryptocurrency trading, while Lloyds Bank does not provide crypto trading services.

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Compare

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Overall Rating eToro Lloyds Bank
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 4.5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 4.5/5 Stars 4/5 Stars
Review eToro Review Lloyds Bank Review
Winner check_circle
Investments eToro Lloyds Bank
ISA info Yes Yes
SIPP info Yes
Share Trading info Yes Yes
CFD Trading info Yes
Funds info Yes
ETFs info Yes Yes
Bonds - Corporate info Yes
Bonds - Government (Gilts) info Yes
Investment Trusts info Yes
Spread Betting info
Crypto Trading info Yes
Advisor Services info Yes
Trading Fees eToro Lloyds Bank
Minimum Deposit info $50 info £0
Share Trading: 0-9 Deals/ Month info £0 £8 - £11
Share Trading: 10-19 Deals/ Month info £0 £8
Share Trading: 20+ Deals/ Month info £0 £8
5 trades per year (£30k portfolio) info £0 £95
12 trades per year (£30k portfolio) info £0 £40 - £172
36 trades per year (£30k portfolio) info £0 £40 - £328
120 trades per year (£30k portfolio) info £0 £40 / £1,000
3 fund trades per year (£30k portfolio) info N/A £44.50
Annual Custody Fee: £0 - £250,000 info £0 £40
Annual Custody Fee: £250K-£500K info £0 £40
Annual Custody Fee: £500,000 - £1m info £0 £40
Annual Custody Fee: £1m and over info £0 £40
Bonds - Corporate - Fee info N/A £8 - £11
Bonds - Government (Gilts) - Fee info N/A £8 - £11
ETFs - Fee info £0 £8 - £11
Investment Trusts - Fee info N/A £8 - £11
Telephone Dealing Fee info N/A £35
Broker Screenshots eToro Lloyds Bank
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Platforms & Tools eToro Lloyds Bank
Web Platform info Yes Yes
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 106 0
Charting - Drawing Tools info 56 0
Charting - Notes info Yes
Charting - Display Corporate Events info
Charting - Stock Overlays info Yes
Charting - Index Overlays info Yes
Research eToro Lloyds Bank
Research - Shares info Yes Yes
Research - CFDs info Yes
Research - Funds info Yes
Fund Research - Research Reports info Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes
Portfolio Allocation Breakdown info Yes
Education eToro Lloyds Bank
Education (Share Trading) info Yes
Education (Funds) info
Education (Retirement) info
Client Webinars info
Client Webinars (Archived) info
Overall Summary eToro Lloyds Bank
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 4.5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 4.5/5 Stars 4/5 Stars
Review eToro Review Lloyds Bank Review
Winner check_circle
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