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.
UK investors looking for a reliable online broker might consider Fidelity International and Lloyds Bank, both of which offer share and ETF trading, along with funds and investment trust options. Both firms also provide advisor services, making them appealing for those who seek expert guidance. However, neither Fidelity International nor Lloyds Bank supports trading in cryptocurrencies, spread betting, or CFDs, ensuring a more conservative array of investment channels. Crucially, while Lloyds Bank extends its offerings to include corporate and government bonds, Fidelity International does not, which may influence those focused on fixed-income investments.
When it comes to third-party evaluations, Lloyds Bank outshines Fidelity International, boasting a top-tier 5-star rating from UK.StockBrokers.com for its investment choices, compared to Fidelity's commendable but slightly lower 4.5-star rating. This distinction is reflected in their rankings, with Lloyds Bank positioned at number 8 out of 18 brokers for investment choices, while Fidelity International rests at number 12. Such rankings may guide potential investors in selecting a platform that aligns with their investment preferences and needs.
| 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 provided by Fidelity International and Lloyds Bank, UK investors will find marked differences in features and charting capabilities. Fidelity International offers more advanced charting tools that include displaying corporate events such as earnings, splits, and dividends directly on charts, a feature not available with Lloyds Bank. Moreover, Fidelity supports interactive charting with five drawing tools and an impressive suite of 21 technical indicators, whereas Lloyds Bank does not provide any drawing or indicator options. Both platforms allow users to create alerts for stock price updates and offer browser-based trading, although neither provides real-time market data or the ability to add notes to charts.
Fidelity International further enhances its charting functionalities by allowing users to add both index and stock overlays, giving investors more comprehensive insights into market trends. In contrast, Lloyds Bank lacks these capabilities, potentially limiting the depth of analysis that traders can perform on its platform. While both brokers provide the fundamental trading functions necessary for most investors, Fidelity International stands out for those seeking more extensive charting tools and data visualization options.
| 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 |
For UK residents exploring retirement account options, both Fidelity International and Lloyds Bank provide Individual Savings Accounts (ISAs) and Self-Invested Personal Pensions (SIPPs), catering to diverse investment needs. Fidelity International is known for its user-friendly online platform that offers a wide range of investment options, making it easier to manage your retirement savings independently. Meanwhile, Lloyds Bank delivers the convenience of a full-service bank with the added benefit of in-branch support, which can be appealing for those who prefer personal assistance with financial planning. Both institutions offer opportunities to save for the future with tax-efficient ISA and SIPP options, allowing you to build a custom portfolio that suits your retirement goals. Whether you value digital interaction or face-to-face service, both Fidelity International and Lloyds Bank present viable options for managing your retirement funds.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
Fidelity International and Lloyds Bank both offer mobile apps for iPhone and Android users. As evaluated by UK.StockBrokers.com, Fidelity International's app receives a rating of 4 stars, while Lloyds Bank's app is rated at 3.5 stars. Fidelity International stands 15th out of 18 brokers for mobile app rankings, slightly ahead of Lloyds Bank, which ranks 17th. These ratings and rankings suggest both brokers provide useful mobile apps, though Fidelity International's app is considered slightly better by industry standards.
Dive deeper: Best Stock Trading Apps UK.
For beginner investors in the UK looking for educational resources, Fidelity International stands out compared to Lloyds Bank. Fidelity International offers a wide range of learning tools, including client webinars that are also available for on-demand viewing, covering essential topics such as share trading, funds, and retirement planning. In contrast, Lloyds Bank does not provide client webinars or education in these investment areas. According to UK.StockBrokers.com, Fidelity International boasts a five-star rating for beginner education and holds the 7th spot among 18 brokers. Meanwhile, Lloyds Bank secures a four-star rating and ranks 14th. For new investors seeking comprehensive educational resources, Fidelity International offers a more complete platform to start their investment journey.
| 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 |
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Dive deeper: Best UK Trading Platforms for Beginners.
When comparing Fidelity International and Lloyds Bank for market research features, both platforms provide research reports for funds, shares, ETFs, and bonds, making them suitable for investors seeking varied insights. However, a key difference lies in Fidelity International's ability to display portfolio allocation by asset class, a feature not available with Lloyds Bank. Neither provider extends their research offerings to include CFDs, so CFD traders may need to look elsewhere. Overall, Fidelity International offers a slightly more comprehensive overview for investors who want to analyse their portfolio distribution in addition to standard market research offerings.
| 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.
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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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