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Hargreaves Lansdown vs Lloyds Bank 2026

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: £100
  • ISA: Yes
  • SIPP: Yes
Lloyds Bank
4/5 Stars Overall
  • Minimum Deposit: £1
  • 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, Lloyds Bank offers better pricing than Hargreaves Lansdown 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

Hargreaves Lansdown vs Lloyds Bank: both support share dealing for UK investors, plus ETFs, funds, corporate bonds, government bonds (gilts), and investment trusts. Neither offers crypto or CFD trading, and spread betting is not specified by either provider. If you want guidance, both firms also provide advisor services.

For investment choice, UK.StockBrokers.com rates Hargreaves Lansdown at 5 stars and ranks it 5th out of 21 brokers, while Lloyds Bank scores 4.5 stars and ranks 7th. With similar product coverage, Hargreaves Lansdown gets a slight edge on independent ratings, but either platform can suit everyday share dealing and long‑term investing in funds, ETFs, and bonds.

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 4.5/5 Stars

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Trading Tools

Hargreaves Lansdown vs Lloyds Bank for trading tools: both offer a browser-based platform and price alerts. Neither shows corporate events (earnings, splits, dividends) or index overlays on charts. Hargreaves Lansdown supports stock overlays, while Lloyds Bank does not. Lloyds lets you add notes to charts, which Hargreaves Lansdown lacks. Crucially for active UK investors, Hargreaves Lansdown provides real-time market data, whereas Lloyds Bank does not.

For charting depth, Hargreaves Lansdown includes 109 technical indicators and 11 drawing tools. Lloyds Bank offers 93 technical indicators, and it does not disclose the number of drawing tools. If you value real-time data and a larger indicator library, Hargreaves Lansdown stands out; if adding annotations to charts matters more, Lloyds Bank may suit you.

Feature Hargreaves Lansdown logoHargreaves Lansdown
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 109 93
Charting - Drawing Tools info 11
Charting - Notes info No Yes
Charting - Display Corporate Events info No No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info No 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

Hargreaves Lansdown and Lloyds Bank both offer mobile apps for iPhone and Android in the UK. On UK.StockBrokers.com, the Hargreaves Lansdown mobile app is rated 4 out of 5 stars and ranks 11th out of 21 brokers, while the Lloyds Bank app scores 3.5 out of 5 stars and ranks 14th. If ratings and rankings matter, Hargreaves Lansdown has a slight edge, but both options let you manage investments on iOS and Android.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For beginner investor education, online broker Hargreaves Lansdown outshines Lloyds Bank: it offers client webinars with on-demand replays and clear learning on share trading, funds, and retirement, while Lloyds Bank provides no webinars, no on-demand archive, and no coverage of these topics. According to UK.StockBrokers.com, Hargreaves Lansdown is rated 5/5 and ranked 5th of 21 for beginner education, versus Lloyds Bank at 4/5 and 11th of 21, making Hargreaves Lansdown the stronger choice for structured, replayable learning.

Feature Hargreaves Lansdown logoHargreaves Lansdown
Lloyds Bank logoLloyds Bank
Client Webinars info Yes No
Client Webinars (Archived) info Yes 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.

Hargreaves Lansdown is a leading U.K. investment platform best known for its extensive range of investments, wide selection of account types, and strong support for long-term investors.

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 4.5/5 Stars
Mobile App 4/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4/5 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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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 4.5/5 Stars
Mobile App 4/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4/5 Stars
Education 5/5 Stars 4/5 Stars
Review Hargreaves Lansdown Review Lloyds Bank Review
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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 £100 £1
Share Trading: 0-9 Deals/ Month info £11.95 £9.50
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 £36
Annual Platform Fee (Funds): £250K-£500K info £1125 - £1750 £36
Annual Platform Fee (Funds): £500,000 - £1m info £1750 - £3000 £36
Annual Platform Fee (Funds): £1m and over info £3,000 - £4,000 £36
Bonds - Corporate - Fee info £20 - £50 £9.50
Bonds - Government (Gilts) - Fee info £20 - £50 £9.50
ETFs - Fee info £11.95 £9.50
Investment Trusts - Fee info £11.95 N/A
Telephone Dealing Fee info £20 - £50 info £35
Broker Screenshots Hargreaves Lansdown Lloyds Bank
Website Gallery (click to expand)
Comparing two stock charts on the Hargreaves Lansdown website. Hargreaves Lansdown website key stock financials Hargreaves Lansdown website stock chart Hargreaves Lansdown website set limit order Searching for investments on the Hargreaves Lansdown website. Hargreaves Lansdown website portfolio analysis Hargreaves Lansdown website Active Savings Hub
Lloyds Investing tab on the website. Ways to Invest page on the Lloyds website. Lloyds Share Dealing homepage. Lloyds Share Dealing no trade commission overseas stock purchase. Lloyds Share Dealing dividend diary. Lloyds Share Dealing buy Vanguard fund. Lloyds Share Dealing associated costs. Lloyds share dealing buy British land.
Mobile Trading Apps Gallery (click to expand)
The home page of the Hargreaves Lansdown mobile app. Watchlist tab of the Hargreaves Lansdown mobile app. A chart of Apple on the Hargreaves Lansdown mobile app. News and Insights tab of the Hargreaves Lansdown mobile app. Curated investment ideas on the Hargreaves Lansdown mobile app.
Home tab of the Lloyds mobile app. Assortment of investing tools on the Lloyds mobile app. Educational articles on the Lloyds mobile app. Lloyds app other services. Lloyds Share Dealing ETF Quicklist.
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 109 93
Charting - Drawing Tools info 11
Charting - Notes info No Yes
Charting - Display Corporate Events info No No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info No 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 Yes 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 4.5/5 Stars
Mobile App 4/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4/5 Stars
Education 5/5 Stars 4/5 Stars
Review Hargreaves Lansdown Review Lloyds Bank Review
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