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.
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
|
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 and charting, Hargreaves Lansdown offers far more. It provides 11 drawing tools and 109 technical indicators, plus stock overlays for side-by-side comparisons. Neither platform shows corporate events on charts, supports index overlays, or lets you add notes, and Lloyds Bank supplies none of the drawing tools or indicators.
Both brokers have browser-based trading platforms and let you set price alerts. The key difference is data: Hargreaves Lansdown includes real-time market data, while Lloyds Bank does not. UK investors who rely on charts and research will likely prefer Hargreaves Lansdown; those wanting simple access to place trades may find Lloyds Bank sufficient.
| Feature |
Hargreaves Lansdown
|
Lloyds Bank
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | Yes |
| Charting - Indicators / Studies | 109 | 0 |
| Charting - Drawing Tools | 11 | 0 |
| Charting - Notes | No | No |
| 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.
| Feature |
Hargreaves Lansdown
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Lloyds Bank
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|---|---|---|
| Overall Rating |
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| Charges & Fees |
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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 | £0 | |
| Share Trading: 0-9 Deals/ Month | £11.95 | £8 - £11 | |
| 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 | £40 | |
| Annual Platform Fee (Funds): £250K-£500K | £1125 - £1750 | £40 | |
| Annual Platform Fee (Funds): £500,000 - £1m | £1750 - £3000 | £40 | |
| Annual Platform Fee (Funds): £1m and over | £3,000 - £4,000 | £40 | |
| Bonds - Corporate - Fee | £20 - £50 | £8 - £11 | |
| Bonds - Government (Gilts) - Fee | £20 - £50 | £8 - £11 | |
| ETFs - Fee | £11.95 | £8 - £11 | |
| Investment Trusts - Fee | £11.95 | £8 - £11 | |
| 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 | 0 | |
| Charting - Drawing Tools | 11 | 0 | |
| Charting - Notes | No | No | |
| 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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