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, Lloyds Bank offers better pricing than Hargreaves Lansdown 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 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
|
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.
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.
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
|
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.
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.
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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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| 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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