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.
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, 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 both offer UK investors a range of options for managing their portfolios. Both platforms support share trading, allowing investors to buy and sell individual stocks with ease. Exchange-Traded Funds (ETFs) and funds trading are also available, catering to investors interested in more diversified investment vehicles. Additionally, both platforms provide investment trust trading and advisor services, helping investors make informed choices. However, Lloyds Bank stands out by offering trading of corporate bonds and government gilts, accommodating those interested in fixed-income securities.
UK.StockBrokers.com rates Lloyds Bank higher in terms of investment choices, giving it an impressive five stars, compared to Fidelity International’s 4.5 stars. Lloyds Bank ranks 8th among 21 brokers, reflecting its broader array of offerings, while Fidelity International ranks 12th. Both platforms show strengths in providing ETFs and funds, yet Lloyds Bank's inclusion of bond trading options may appeal to investors seeking comprehensive market exposure.
| Feature |
Fidelity International
|
Lloyds Bank
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | ||
| ETFs | Yes | Yes |
| Funds | Yes | Yes |
| Bonds - Government (Gilts) | Yes | |
| Investment Trusts | Yes | Yes |
| Spread Betting | ||
| Crypto Trading | ||
| Advisor Services | Yes | Yes |
| Investment Choices |
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Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
When comparing the trading tools of Fidelity International and Lloyds Bank, UK investors will find notable differences. Fidelity International stands out with its ability to display corporate events such as earnings, splits, and dividends directly on their charts, coupled with features like index and stock overlays. They offer a comprehensive set of 5 drawing tools and 21 technical indicators for detailed analysis. Meanwhile, Lloyds Bank does not support corporate events on charts, nor do they provide any drawing tools or technical indicators, which might limit the depth of analysis a trader can perform.
Both Fidelity International and Lloyds Bank offer browser-based trading platforms and allow users to set up alerts for stock price updates, catering to the need for accessibility and timely market information. However, features like note-taking on charts and real-time market data are unspecified for both, leaving potential gaps in the trading experience. For traders focused on charting capabilities, Fidelity International presents a richer set of tools compared to what Lloyds Bank currently offers.
| 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 | ||
| Charting - Display Corporate Events | Yes | |
| Charting - Stock Overlays | Yes | |
| Charting - Index Overlays | Yes |
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.
For UK users exploring mobile app options from online brokerage services, Fidelity International and Lloyds Bank both provide iPhone and Android apps. According to UK.StockBrokers.com, Fidelity International's app garners a 4-star rating, placing it 15th out of 21 brokers in terms of mobile app performance. In contrast, Lloyds Bank's app holds a 3.5-star rating, ranking 17th among its peers. These ratings suggest slightly better usability and functionality from Fidelity International’s mobile offering compared to Lloyds Bank, helping users make informed decisions when choosing a broker for mobile trading needs.
Dive deeper: Best Stock Trading Apps UK.
For UK beginner investors seeking educational resources, Fidelity International significantly surpasses Lloyds Bank. Fidelity International provides educational webinars live and on-demand, covering topics like share trading, funds, and retirement, which are essential for new investors. These resources have earned Fidelity a solid 5-star rating from UK.StockBrokers.com, placing it in 7th position among 21 brokers for beginner education. In comparison, Lloyds Bank lacks educational webinars, both live and on-demand, and does not offer dedicated resources on share trading, funds, or retirement topics. Consequently, it holds a 4-star rating and ranks 14th out of 21 brokers for beginner investor education. Fidelity International clearly provides a more comprehensive educational suite for novices in the investing world.
| Feature |
Fidelity International
|
Lloyds Bank
|
|---|---|---|
| Client Webinars | Yes | |
| Client Webinars (Archived) | Yes | |
| Education (Share Trading) | Yes | |
| Education (Funds) | Yes | |
| Education (Retirement) | Yes | |
| Education |
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Dive deeper: Best UK Trading Platforms for Beginners.
Fidelity International and Lloyds Bank both provide comprehensive market research features for investors in the UK, offering reports for funds, shares, ETFs, and bonds. However, Fidelity International stands out by allowing users to see their portfolio allocation by asset class, a feature not specified for Lloyds Bank. Neither platform offers research on CFDs, but both ensure access to vital information for making informed investment decisions across a variety of asset types. Overall, both brokers deliver essential research tools, catering to different aspects of investment needs.
| Feature |
Fidelity International
|
Lloyds Bank
|
|---|---|---|
| Research - Shares | Yes | Yes |
| Research - CFDs | ||
| Research - ETFs | Yes | Yes |
| Research - Bonds | Yes | Yes |
| Research - Funds | Yes | Yes |
| Fund Research - Research Reports | Yes | Yes |
| Portfolio Allocation Breakdown | Yes |
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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Fidelity International
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Lloyds Bank
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|---|---|---|
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In comparing the online brokerage services of Fidelity International and Lloyds Bank, it's important to note that Fidelity International currently does not offer cryptocurrency trading, whereas Lloyds Bank also does not provide options for trading cryptocurrencies.
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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 | |||
| Funds | Yes | Yes | |
| ETFs | Yes | Yes | |
| Bonds - Corporate | Yes | ||
| Bonds - Government (Gilts) | Yes | ||
| Investment Trusts | Yes | Yes | |
| Spread Betting | |||
| Crypto Trading | |||
| 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 - £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 | £8 - £11 | |
| Investment Trusts - Fee | £7.50 | £8 - £11 | |
| Telephone Dealing Fee | £30 | £35 |
| Broker Screenshots | Fidelity International | Lloyds Bank | |
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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 | |||
| Charting - Display Corporate Events | Yes | ||
| Charting - Stock Overlays | Yes | ||
| Charting - Index Overlays | Yes |
| Research | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| Research - Shares | Yes | Yes | |
| Research - CFDs | |||
| Research - Funds | Yes | Yes | |
| Fund Research - Research Reports | Yes | Yes | |
| Research - ETFs | Yes | Yes | |
| Research - Bonds | Yes | Yes | |
| Portfolio Allocation Breakdown | Yes |
| Education | Fidelity International | Lloyds Bank | |
|---|---|---|---|
| Education (Share Trading) | Yes | ||
| Education (Funds) | Yes | ||
| Education (Retirement) | Yes | ||
| Client Webinars | Yes | ||
| Client Webinars (Archived) | Yes |
| Overall Summary | Fidelity International | Lloyds Bank | |
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| Review | Fidelity International Review | Lloyds Bank Review | |
| Winner | check_circle |
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