Written by StockBrokers.com
In this head to head comparison of Fidelity International vs Lloyds Bank, 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 Fidelity International 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 - Fidelity International would cost £127.50 per year, while Lloyds Bank would cost £95 per year.
12 trades per year - Fidelity International would cost £108 or £180 per year, while Lloyds Bank would cost £40 - £172 per year.
36 trades per year - Fidelity International would cost £144 or £360 per year, while Lloyds Bank would cost £40 - £328 per year.
120 trades per year - Fidelity International would cost £270 or £990 per year, while Lloyds Bank would cost £40 / £1,000 per year.
3 fund trades per year - Fidelity International would cost £1000 per year, while Lloyds Bank would cost £0 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.
Fidelity International and Lloyds Bank are popular options for online brokerage, each offering a range of investment choices to meet your trading needs. Both platforms provide the opportunity for share trading and offer access to ETFs, funds, and investment trusts. However, neither platform supports crypto trading, spread betting, or CFD trading. A key differentiator lies in their bond trading services. Lloyds Bank offers trading options for both corporate and government bonds, whereas Fidelity International does not include these in their offering. Additionally, both brokers provide advisor services to help guide your investment decisions.
When evaluating their investment offerings, Lloyds Bank receives a 5-star rating from UK.StockBrokers.com, while Fidelity International follows closely with a 4.5-star rating. This disparity is reflected in their rankings, with Lloyds Bank securing the 8th spot out of 18 brokers for investment choices, compared to Fidelity International's 12th place. Whether you're just starting out or looking for specific products like bonds, these ratings and rankings can inform your choice between the two brokers.
| Feature |
Fidelity International
|
Lloyds Bank
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | No | No |
| ETFs | Yes | Yes |
| Funds | Yes | Yes |
| Bonds - Government (Gilts) | No | Yes |
| Investment Trusts | Yes | Yes |
| Spread Betting | No | No |
| Crypto Trading | No | No |
| Advisor Services | Yes | Yes |
| Investment Choices |
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Professional’s Gateway to the World’s Markets.
Low-cost US and UK shares.
When comparing the trading tools of Fidelity International and Lloyds Bank, Fidelity International offers a more robust charting experience. Fidelity enables users to display corporate events such as earnings, splits, and dividends on charts, a feature not available with Lloyds Bank. Additionally, Fidelity provides five drawing tools and 21 technical indicators for enhanced chart analysis, whereas Lloyds Bank does not offer any drawing tools or technical indicators. Both brokers, however, lack the ability to add notes to charts.
Fidelity International further enhances its charting capabilities by allowing users to add both index and stock overlays, unlike Lloyds Bank, which does not support these features. Both brokers offer browser-based trading platforms and facilitate the creation of alerts for stock price updates. However, neither offers real-time market data, which is an important consideration for timely trading decisions. Fidelity's additional tools can make a significant difference for traders seeking a more detailed analysis platform.
| Feature |
Fidelity International
|
Lloyds Bank
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | Yes |
| Charting - Indicators / Studies | 21 | 0 |
| Charting - Drawing Tools | 5 | 0 |
| Charting - Notes | No | No |
| Charting - Display Corporate Events | Yes | No |
| Charting - Stock Overlays | Yes | No |
| Charting - Index Overlays | Yes | No |
When comparing the retirement account offerings of Fidelity International and Lloyds Bank, both financial institutions provide a range of similar options suited to diverse investment strategies. They each offer Individual Savings Accounts (ISAs), making them attractive choices for those looking to maximize tax-efficient savings. Additionally, both Fidelity International and Lloyds Bank provide Self-Invested Personal Pensions (SIPPs), giving investors the flexibility to manage their retirement savings with greater control and potential tax benefits. Regardless of which institution you choose, both offer comprehensive solutions for taking charge of your financial future.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
Fidelity International and Lloyds Bank both cater to mobile users with their dedicated apps available on iPhone and Android devices. Fidelity International excels slightly in user satisfaction, achieving a 4-star rating from UK.StockBrokers.com, compared to Lloyds Bank's 3.5 stars. Furthermore, Fidelity International ranks 13th out of 18 brokers for mobile app quality, whereas Lloyds Bank is positioned at 15th. This comparison highlights Fidelity International as the superior option for those prioritizing app performance and user experience, though both provide solid mobile solutions for managing investments on the go.
Dive deeper: Best Stock Trading Apps UK.
For beginner investors seeking educational resources, Fidelity International outshines Lloyds Bank significantly. Fidelity International provides live webinars and archives them for on-demand viewing, covering a range of topics such as share trading, funds, and retirement. In contrast, Lloyds Bank does not offer any educational webinars or specific resources on these investment topics. With a perfect 5-star rating from UK.StockBrokers.com for its beginner education, Fidelity International is ranked 6th among 18 brokers, indicating its strong commitment to investor education. Lloyds Bank, despite having a respectable 4-star rating, stands at 15th in the same ranking, highlighting its comparatively limited educational offering for novice investors.
| Feature |
Fidelity International
|
Lloyds Bank
|
|---|---|---|
| Client Webinars | Yes | No |
| Client Webinars (Archived) | Yes | No |
| Education (Share Trading) | Yes | No |
| Education (Funds) | Yes | No |
| Education (Retirement) | Yes | No |
| Education |
|
|
Dive deeper: Best UK Trading Platforms for Beginners.
Fidelity International and Lloyds Bank are both solid choices for market research features, but they cater to slightly different needs. If you're looking for in-depth insights, Fidelity International offers research reports across various investment types, including shares, ETFs, funds, and bonds. It also provides an added advantage with its ability to display portfolio allocation by asset class, a feature missing from Lloyds Bank. On the other hand, Lloyds Bank matches Fidelity in providing research for shares, ETFs, funds, and bonds but lacks the capability to show portfolio allocation by asset class. Neither platform offers research for CFDs. For investors prioritizing portfolio analysis alongside their research tools, Fidelity might have the edge.
| Feature |
Fidelity International
|
Lloyds Bank
|
|---|---|---|
| Research - Shares | Yes | Yes |
| Research - CFDs | No | No |
| Research - ETFs | Yes | Yes |
| Research - Bonds | Yes | Yes |
| Research - Funds | Yes | Yes |
| Fund Research - Research Reports | Yes | Yes |
| Portfolio Allocation Breakdown | Yes | No |
Which broker is better overall, Fidelity International or Lloyds Bank? After collecting more than 900 data points over a 10-week period, we found Fidelity International to be a better trading platform overall.
Fidelity offers thousands of investments to choose from and also offers financial advice for those wanting more direction. It's best suited to traditional investors who hold a range of accounts through the platform, enjoy the great research material available and who may also use Fidelity for financial advice. The platform can be expensive for those with portfolios of less than £20,000 and those with portfolios above £40,000.
| Feature |
Fidelity International
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Lloyds Bank
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|---|---|---|
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Neither Fidelity International nor Lloyds Bank offers crypto trading services, making them similar in their approach to cryptocurrency investments.
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0 of 5| Overall Rating | Fidelity International | Lloyds Bank | |
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| Review | Fidelity International Review | Lloyds Bank Review | |
| Winner | check_circle |
| Investments | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| ISA | Yes | Yes | |
| SIPP | Yes | Yes | |
| Share Trading | Yes | Yes | |
| CFD Trading | No | No | |
| 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 | No | No | |
| Advisor Services | Yes | Yes |
| Trading Fees | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| Minimum Deposit | £1000 | £0 | |
| Share Trading: 0-9 Deals/ Month | £1.50 or £7.50 | £8, £10, £11 | |
| Share Trading: 10-19 Deals/ Month | £1.50 or £7.50 | £8 | |
| Share Trading: 20+ Deals/ Month | £1.50 or £7.50 | £8 | |
| 5 trades per year (£30k portfolio) | £127.50 | £95 | |
| 12 trades per year (£30k portfolio) | £108 or £180 | £40 - £172 | |
| 36 trades per year (£30k portfolio) | £144 or £360 | £40 - £328 | |
| 120 trades per year (£30k portfolio) | £270 or £990 | £40 / £1,000 | |
| 3 fund trades per year (£30k portfolio) | £105 | £44.50 | |
| Annual Custody Fee: £0 - £250,000 | £90 - £875 | £40 | |
| Annual Custody Fee: £250K-£500K | £500 - £1,000 | £40 | |
| Annual Custody Fee: £500,000 - £1m | £1,000 - £2,000 | £40 | |
| Annual Custody Fee: £1m and over | £2,000 | £40 | |
| Bonds - Corporate - Fee | N/A | £8 - £11 | |
| Bonds - Government (Gilts) - Fee | N/A | £8 - £11 | |
| ETFs - Fee | £7.50 | ||
| Investment Trusts - Fee | £7.50 | ||
| Telephone Dealing Fee | £30 | £35 |
| Broker Screenshots | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| Website Gallery (click to expand) |
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| Education Gallery (click to expand) |
| Platforms & Tools | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | Yes | |
| Charting - Indicators / Studies | 21 | 0 | |
| Charting - Drawing Tools | 5 | 0 | |
| Charting - Notes | No | No | |
| Charting - Display Corporate Events | Yes | No | |
| Charting - Stock Overlays | Yes | No | |
| Charting - Index Overlays | Yes | No |
| Research | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| Research - Shares | Yes | Yes | |
| Research - CFDs | No | No | |
| Research - Funds | Yes | Yes | |
| Fund Research - Research Reports | Yes | Yes | |
| Research - ETFs | Yes | Yes | |
| Research - Bonds | Yes | Yes | |
| Portfolio Allocation Breakdown | Yes | No |
| Education | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| Education (Share Trading) | Yes | No | |
| Education (Funds) | Yes | No | |
| Education (Retirement) | Yes | No | |
| Client Webinars | Yes | No | |
| Client Webinars (Archived) | Yes | No |
| Overall Summary | Fidelity International | Lloyds Bank | |
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| Review | Fidelity International Review | Lloyds Bank Review | |
| Winner | check_circle |
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