Written by StockBrokers.com
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.
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, Hargreaves Lansdown offers better pricing than Lloyds Bank for share dealing.
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.
Hargreaves Lansdown vs Lloyds Bank: both providers offer share dealing alongside ETFs, funds, corporate bonds, gilts, and investment trusts across their investment accounts. Neither offers crypto or CFD trading, and both have optional adviser services if you want help with your portfolio.
Independent ratings from UK.StockBrokers.com give Hargreaves Lansdown 5/5 stars for investment choices and a rank of 4th out of 21 brokers, ahead of Lloyds Bank at 4.5/5 stars and 8th. If having the widest selection is your priority, Hargreaves Lansdown edges it; if you prefer to keep things simple within your Lloyds banking setup, Lloyds Bank remains a dependable choice for shares, ETFs, funds, bonds, and trusts.
| Feature |
Hargreaves Lansdown
|
Lloyds Bank
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | No | No |
| ETFs | Yes | Yes |
| Mutual Funds | Yes | Yes |
| Bonds - Government (Gilts) | Yes | Yes |
| Investment Trusts | Yes | Yes |
| Spread Betting | No | No |
| Crypto Trading | No | No |
| Advisor Services | Yes | Yes |
| Investment Choices |
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Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
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
|
Lloyds Bank
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | Yes |
| Charting - Indicators / Studies | 109 | 93 |
| Charting - Drawing Tools | 11 | |
| Charting - Notes | No | Yes |
| Charting - Display Corporate Events | No | No |
| Charting - Stock Overlays | Yes | No |
| Charting - Index Overlays | No | No |
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.
Comparing UK mobile apps, both Hargreaves Lansdown and Lloyds Bank offer iPhone and Android apps, but ratings differ: UK.StockBrokers.com gives Hargreaves Lansdown 4 stars and a #10 ranking out of 21 brokers, while Lloyds Bank receives 3.5 stars and a #17 ranking. For a higher-rated mobile investing experience, Hargreaves Lansdown edges ahead, though both let you manage your money on the go.
Dive deeper: Best Stock Trading Apps UK.
Comparing Hargreaves Lansdown vs Lloyds Bank for beginner investor education in the UK: Hargreaves Lansdown runs educational client webinars and makes them available on demand, and offers learning on share trading, funds, and retirement; Lloyds Bank provides no webinars, no on‑demand archive, and no education on these topics. Reflecting this, UK.StockBrokers.com rates Hargreaves Lansdown 5/5 and ranks it 4th of 21 for beginner education, while Lloyds Bank is rated 4/5 and ranked 14th of 21.
| Feature |
Hargreaves Lansdown
|
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 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
|
Lloyds Bank
|
|---|---|---|
| Research - Shares | Yes | Yes |
| 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, 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.
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Lloyds Bank
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Neither Hargreaves Lansdown nor Lloyds Bank offer cryptocurrency trading, emphasizing their focus on traditional financial services and investment products.
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0 of 5| Overall Rating | Hargreaves Lansdown | Lloyds Bank | |
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| Review | Hargreaves Lansdown Review | Lloyds Bank Review | |
| Winner | check_circle |
| Investments | Hargreaves Lansdown | Lloyds Bank | |
|---|---|---|---|
| ISA | Yes | Yes | |
| SIPP | Yes | Yes | |
| Share Trading | Yes | Yes | |
| CFD Trading | No | No | |
| Mutual Funds | Yes | Yes | |
| ETFs | Yes | Yes | |
| Bonds - Corporate | Yes | Yes | |
| Bonds - Government (Gilts) | Yes | Yes | |
| Investment Trusts | Yes | Yes | |
| Spread Betting | No | No | |
| Crypto Trading | |||
| Advisor Services | Yes | Yes |
| Trading Fees | Hargreaves Lansdown | Lloyds Bank | |
|---|---|---|---|
| Minimum Deposit | £100 | £1 | |
| Share Trading: 0-9 Deals/ Month | £11.95 | £9.50 | |
| Share Trading: 10-19 Deals/ Month | £8.95 | £8 | |
| Share Trading: 20+ Deals/ Month | £5.95 | £8 | |
| 5 trades per year (£30k portfolio) | |||
| 12 trades per year (£30k portfolio) | |||
| 36 trades per year (£30k portfolio) | |||
| 120 trades per year (£30k portfolio) | |||
| 3 fund trades per year (£30k portfolio) | |||
| Annual Platform Fee (Funds): £0 - £250,000 | Up to £1,125 | £36 | |
| Annual Platform Fee (Funds): £250K-£500K | £1125 - £1750 | £36 | |
| Annual Platform Fee (Funds): £500,000 - £1m | £1750 - £3000 | £36 | |
| Annual Platform Fee (Funds): £1m and over | £3,000 - £4,000 | £36 | |
| Bonds - Corporate - Fee | £20 - £50 | £9.50 | |
| Bonds - Government (Gilts) - Fee | £20 - £50 | £9.50 | |
| ETFs - Fee | £11.95 | £9.50 | |
| Investment Trusts - Fee | £11.95 | N/A | |
| Telephone Dealing Fee | £20 - £50 | £35 |
| Broker Screenshots | Hargreaves Lansdown | Lloyds Bank | |
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| Education Gallery (click to expand) |
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| Platforms & Tools | Hargreaves Lansdown | Lloyds Bank | |
|---|---|---|---|
| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | Yes | |
| Charting - Indicators / Studies | 109 | 93 | |
| Charting - Drawing Tools | 11 | ||
| Charting - Notes | No | Yes | |
| Charting - Display Corporate Events | No | No | |
| Charting - Stock Overlays | Yes | No | |
| Charting - Index Overlays | No | No |
| Research | Hargreaves Lansdown | 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 | No |
| Education | Hargreaves Lansdown | 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 | Hargreaves Lansdown | Lloyds Bank | |
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| Review | Hargreaves Lansdown Review | Lloyds Bank Review | |
| Winner | check_circle |
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