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Hargreaves Lansdown vs Lloyds Bank 2025

StockBrokers.com

Written by StockBrokers.com

July 31, 2025

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

Hargreaves Lansdown
4.5/5 Stars Overall
  • Minimum Deposit: £1
  • ISA: Yes
  • SIPP: Yes
Lloyds Bank
4/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: Yes

Your capital is at risk.

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, Hargreaves Lansdown offers better pricing than Lloyds Bank for share dealing.

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

When comparing Hargreaves Lansdown and Lloyds Bank for investment options, both platforms offer a wide array of choices to UK investors. Whether it's share trading, trading of ETFs, funds, corporate bonds, government bonds, or investment trusts, both Hargreaves Lansdown and Lloyds Bank cover these bases comprehensively. Neither platform currently facilitates crypto trading, spread betting, or CFD trading. Additionally, both brokers provide advisory services, catering to investors who may seek professional guidance.

In terms of ratings and rankings, Hargreaves Lansdown and Lloyds Bank both receive a strong 5-star rating from UK.StockBrokers.com for their investment choices. However, Hargreaves Lansdown edges ahead in the rankings, coming in at 4th place among 21 brokers, compared to Lloyds Bank’s 8th position. This slight advantage in ranking might be worth considering for those prioritizing platform recognition and breadth of investment offerings.

Feature Hargreaves Lansdown logoHargreaves Lansdown
Lloyds Bank logoLloyds Bank
Share Trading info Yes Yes
CFD Trading info No No
ETFs info Yes Yes
Mutual Funds info Yes Yes
Bonds - Government (Gilts) info Yes Yes
Investment Trusts info Yes Yes
Spread Betting info No No
Crypto Trading info No No
Advisor Services info Yes Yes
Investment Choices 5/5 Stars 5/5 Stars

Featured Offers


4.5/5 Stars

Low-cost US and UK shares.

4.5/5 Stars

Professional’s Gateway to the World’s Markets.

Trading Tools

When comparing Hargreaves Lansdown and Lloyds Bank for trading tools, Hargreaves Lansdown clearly leads with its rich features. It allows users to display corporate events like earnings, splits, and dividends directly on charts, a feature not available with Lloyds Bank. Additionally, Hargreaves Lansdown provides 11 drawing tools and 15 technical indicators for charting, while Lloyds Bank offers none. This comprehensive toolset is complemented by the ability to add index and stock overlays on charts. Both platforms do allow the creation of alerts for stock price updates and have browser-based trading platforms; however, Hargreaves Lansdown provides access to real-time market data, unlike Lloyds Bank.

Despite some similarities in fundamental offerings such as browser-based trading and alert creation, the advanced charting capabilities make Hargreaves Lansdown a more attractive option for traders looking for in-depth analysis tools and real-time market information. While neither platform offers the ability to add notes to charts, Hargreaves Lansdown’s array of features and chart customizations position it as the superior choice for UK investors seeking a feature-rich online trading experience.

Feature Hargreaves Lansdown logoHargreaves Lansdown
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 15 0
Charting - Drawing Tools info 11 0
Charting - Notes info No No
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes No

ISAs and SIPPs

For UK investors seeking retirement account options, both Hargreaves Lansdown and Lloyds Bank provide Individual Savings Accounts (ISAs) and Self-Invested Personal Pensions (SIPPs). Hargreaves Lansdown, known for its user-friendly online platform, offers a wide range of investment choices within their ISAs and SIPPs, appealing to those who prefer managing investments digitally. Meanwhile, Lloyds Bank provides similar account options with the advantage of in-person banking services, catering to customers who value face-to-face assistance alongside their pension planning. Whether you prioritise digital convenience or in-branch support, both institutions offer substantial paths for securing your financial future.

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

Mobile App

When comparing the mobile apps of Hargreaves Lansdown and Lloyds Bank, both platforms offer apps for iPhone and Android users, enhancing accessibility for investors on the go. Hargreaves Lansdown's app impresses with a 4.5-star rating from UK.StockBrokers.com, securing the 10th spot out of 21 brokers. Meanwhile, Lloyds Bank's app receives a 3.5-star rating and ranks 17th, suggesting a comparatively less appealing user experience. This analysis highlights Hargreaves Lansdown as a more highly rated choice for those prioritizing mobile usability in their investment activities.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

When comparing educational resources for beginner investors between Hargreaves Lansdown and Lloyds Bank, UK investors may find Hargreaves Lansdown to be more advantageous. Hargreaves Lansdown stands out in offering educational webinars, albeit not archived for on-demand access, and provides insightful guidance on key topics like share trading, funds, and retirement planning. In contrast, Lloyds Bank does not offer these resources. Hargreaves Lansdown boasts a 5-star rating from UK.StockBrokers.com and ranks fourth among 21 brokers for beginner education, demonstrating its commitment to investor learning. Meanwhile, Lloyds Bank has a respectable 4-star rating but is positioned at the 14th spot, indicating less comprehensive educational support for beginners. Overall, Hargreaves Lansdown appears to be a better option for novice investors seeking in-depth educational materials.

Feature Hargreaves Lansdown logoHargreaves Lansdown
Lloyds Bank logoLloyds Bank
Client Webinars info Yes No
Client Webinars (Archived) info No No
Education (Share Trading) info Yes No
Education (Funds) info Yes No
Education (Retirement) info Yes No
Education 5/5 Stars 4/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

When comparing the market research features of Hargreaves Lansdown and Lloyds Bank for UK investors, both platforms provide detailed research reports for funds, shares, ETFs, and bonds, ensuring you have the essential information for informed decision-making. However, a key difference lies in portfolio management tools: Hargreaves Lansdown allows users to view portfolio allocation by asset class, offering a clearer picture of investment distribution, while Lloyds Bank lacks this feature. Whether you're a seasoned investor or just starting, Hargreaves Lansdown might provide a slight edge in portfolio analysis.

Feature Hargreaves Lansdown logoHargreaves Lansdown
Lloyds Bank logoLloyds Bank
Research - Shares info Yes Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes Yes
Research - Funds info Yes Yes
Fund Research - Research Reports info Yes Yes
Portfolio Allocation Breakdown info Yes No

Hargreaves Lansdown vs Lloyds Bank Winner

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

As the U.K.’s biggest investment platform for individual investors, Hargreaves Lansdown offers a wide range of investment choices for either beginners or seasoned investors. However, its fees are generally more expensive than rival brokers, which can become an issue for large investment pots.

Feature Hargreaves Lansdown logoHargreaves Lansdown
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 5/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars

FAQs

Can you trade cryptocurrency with Hargreaves Lansdown or Lloyds Bank?

Neither Hargreaves Lansdown nor Lloyds Bank offer cryptocurrency trading, emphasizing their focus on traditional financial services and investment products.

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Compare

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Overall Rating Hargreaves Lansdown Lloyds Bank
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 4.5/5 Stars 4.5/5 Stars
Investment Choices 5/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars
Review Hargreaves Lansdown Review Lloyds Bank Review
Winner check_circle
Investments Hargreaves Lansdown Lloyds Bank
ISA info Yes Yes
SIPP info Yes Yes
Share Trading info Yes Yes
CFD Trading info No No
Mutual Funds info Yes Yes
ETFs info Yes Yes
Bonds - Corporate info Yes Yes
Bonds - Government (Gilts) info Yes Yes
Investment Trusts info Yes Yes
Spread Betting info No No
Crypto Trading info
Advisor Services info Yes Yes
Trading Fees Hargreaves Lansdown Lloyds Bank
Minimum Deposit info £1 £0
Share Trading: 0-9 Deals/ Month info £11.95 £8 - £11
Share Trading: 10-19 Deals/ Month info £8.95 £8
Share Trading: 20+ Deals/ Month info £5.95 £8
5 trades per year (£30k portfolio) info
12 trades per year (£30k portfolio) info
36 trades per year (£30k portfolio) info
120 trades per year (£30k portfolio) info
3 fund trades per year (£30k portfolio) info
Annual Platform Fee (Funds): £0 - £250,000 info Up to £1,125 £40
Annual Platform Fee (Funds): £250K-£500K info Up to £625 £40
Annual Platform Fee (Funds): £500,000 - £1m info Up to £1,250 £40
Annual Platform Fee (Funds): £1m and over info Up to £1,000 £40
Bonds - Corporate - Fee info £20 - £50 £8 - £11
Bonds - Government (Gilts) - Fee info £20 - £50 £8 - £11
ETFs - Fee info £5.95 - £11.95 £8 - £11
Investment Trusts - Fee info £5.95 - £11.95 £8 - £11
Telephone Dealing Fee info £20 - £50 info £35
Broker Screenshots Hargreaves Lansdown Lloyds Bank
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Platforms & Tools Hargreaves Lansdown 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 15 0
Charting - Drawing Tools info 11 0
Charting - Notes info No No
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes No
Research Hargreaves Lansdown Lloyds Bank
Research - Shares info Yes Yes
Research - CFDs info
Research - Funds info Yes Yes
Fund Research - Research Reports info Yes Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes Yes
Portfolio Allocation Breakdown info Yes No
Education Hargreaves Lansdown Lloyds Bank
Education (Share Trading) info Yes No
Education (Funds) info Yes No
Education (Retirement) info Yes No
Client Webinars info Yes No
Client Webinars (Archived) info No No
Overall Summary Hargreaves Lansdown Lloyds Bank
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 4.5/5 Stars 4.5/5 Stars
Investment Choices 5/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars
Review Hargreaves Lansdown Review Lloyds Bank Review
Winner check_circle
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