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Hargreaves Lansdown vs XTB 2024

StockBrokers.com

Written by StockBrokers.com

August 06, 2024

Is Hargreaves Lansdown better than XTB? After scoring the best share dealing accounts across 46 different variables, our analysis finds that Hargreaves Lansdown is better than XTB. 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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Compare

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Overall Rating Hargreaves Lansdown XTB
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 4.5/5 Stars 5/5 Stars
Investment Choices 5/5 Stars 4/5 Stars
Mobile App 4.5/5 Stars 4.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4/5 Stars
Education 5/5 Stars 4.5/5 Stars
Review Hargreaves Lansdown Review XTB Review
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Investments Hargreaves Lansdown XTB
ISA info Yes No
SIPP info Yes No
Share Trading info Yes Yes
CFD Trading info No Yes
Funds info Yes Yes
ETFs info Yes Yes
Bonds - Corporate info Yes No
Bonds - Government (Gilts) info Yes No
Investment Trusts info Yes No
Spread Betting info No Yes
Crypto Trading info No No
Advisor Services info Yes No
Trading Fees Hargreaves Lansdown XTB
Minimum Deposit info £1 £0
Share Trading: 0-9 Deals/ Month info £11.95 £0
Share Trading: 10-19 Deals/ Month info £8.95 £0
Share Trading: 20+ Deals/ Month info £5.95 £0
5 trades per year (£30k portfolio) info £59.75 / £104.75 if in ISA. £0
12 trades per year (£30k portfolio) info £143.40 / £188.40 if in ISA. £0
36 trades per year (£30k portfolio) info £430.20 / £475.20 if in ISA. £0
120 trades per year (£30k portfolio) info £1,074 / £1,119 if in ISA. £0
3 fund trades per year (£30k portfolio) info £135 N/A
Annual Custody Fee: £0 - £250,000 info Up to £1,125 0
Annual Custody Fee: £250K-£500K info Up to £625 0
Annual Custody Fee: £500,000 - £1m info Up to £1,250 0
Annual Custody Fee: £1m and over info Up to £1,000 0
Bonds - Corporate - Fee info £20 - £50 N/A
Bonds - Government (Gilts) - Fee info £20 - £50 N/A
ETFs - Fee info £5.95 - £11.95 £0
Investment Trusts - Fee info £5.95 - £11.95 N/A
Telephone Dealing Fee info £20 - £50 info N/A
Broker Screenshots Hargreaves Lansdown XTB
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Platforms & Tools Hargreaves Lansdown XTB
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 59
Charting - Drawing Tools info 11 9
Charting - Notes info No Yes
Charting - Display Corporate Events info Yes Yes
Charting - Stock Overlays info Yes Yes
Charting - Index Overlays info Yes Yes
Research Hargreaves Lansdown XTB
Research - Shares info Yes Yes
Research - CFDs info No Yes
Research - Funds info Yes No
Fund Research - Research Reports info Yes Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes No
Portfolio Allocation Breakdown info Yes Yes
Education Hargreaves Lansdown XTB
Education (Share Trading) info Yes Yes
Education (Funds) info Yes Yes
Education (Retirement) info Yes No
Client Webinars info Yes Yes
Client Webinars (Archived) info No Yes
Overall Summary Hargreaves Lansdown XTB
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 4.5/5 Stars 5/5 Stars
Investment Choices 5/5 Stars 4/5 Stars
Mobile App 4.5/5 Stars 4.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 4/5 Stars
Education 5/5 Stars 4.5/5 Stars
Review Hargreaves Lansdown Review XTB Review
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Comparing online share dealing platforms side by side is no small task. For our 2024 review of U.K. brokers, more than 900 data points were collected over a 10-week period and used to score each broker. Let’s compare Hargreaves Lansdown and XTB.

Hargreaves Lansdown vs XTB Comparison

For our 2024 Review, we assessed the best trading platforms in the UK for online share dealing. Let's compare Hargreaves Lansdown vs XTB.

Is Hargreaves Lansdown a good broker?

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.

Is XTB a good broker?

XTB has set itself up as a strong competitor in commission-free share trading. Its low fees and solid educational content will make XTB particularly attractive to newer investors. It does not, however, offer an ISA or SIPP.

Which broker is less expensive?

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, XTB offers better pricing than Hargreaves Lansdown for share dealing.

Assuming a £30,000 portfolio size, here are the total annual costs for share dealing with both brokers, given different monthly activity scenarios.

5 trades per year - Hargreaves Lansdown would cost £59.75 / £104.75 if in ISA. per year, while XTB would cost £0 per year.

12 trades per year - Hargreaves Lansdown would cost £143.40 / £188.40 if in ISA. per year, while XTB would cost £0 per year.

36 trades per year - Hargreaves Lansdown would cost £430.20 / £475.20 if in ISA. per year, while XTB would cost £0 per year.

120 trades per year - Hargreaves Lansdown would cost £1,074 / £1,119 if in ISA. per year, while XTB would cost £0 per year.

3 fund trades per year - Hargreaves Lansdown would cost £1 per year, while XTB would cost £0 per year.

query_stats What type of trader are you?

New to the world of investing? See my picks for the best UK trading platforms for beginners. More experienced traders should check out my guide to the best UK Trading Platforms for Active Traders. If you're looking to trade shares on the go, read my guide to the best UK stock trading apps.

How do Hargreaves Lansdown and XTB compare in terms of minimum deposits required?

Hargreaves Lansdown requires a minimum deposit of £1, while XTB requires a minimum deposit of £0. From our testing we found for accounts between £0 - £250,000 Hargreaves Lansdown charges annual custody fees of Up to £1,125, while XTB charges annual custody fees of 0.

Which broker offers a wider range of investment options?

Hargreaves Lansdown offers investors access to ISA, SIPP, Share Trading, Funds, ETFs, Bonds - Corporate, Bonds - Government (Gilts), Investment Trusts and Advisor Services, while XTB offers investors access to Share Trading, CFD Trading, Funds, ETFs and Spread Betting. Neither have Crypto Trading. Investing encompasses a wide variety of asset classes, so finding a broker that offers every investment type you are interested in is important.

Do Hargreaves Lansdown and XTB offer ISA or SIPP accounts?

Self-invested personal pensions (SIPPs) and individual savings accounts (ISAs) are tax-advantaged savings accounts that are an important tool for many individual investors. You can read more about how these accounts operate at Gov.UK: Click here for SIPP information and here for ISA information. Our analysis finds that Hargreaves Lansdown offers traders access to SIPP and ISA accounts, while XTB offers traders access to neither of these accounts.

Do Hargreaves Lansdown and XTB offer cryptocurrency?

In our analysis of top brokers for share dealing in the U.K., we research whether each broker offers the ability to trade cash cryptocurrency, such as bitcoin and ethereum, which is still a somewhat rare offering amongst major U.K. brokers. Our review finds that neither Hargreaves Lansdown nor XTB offer crypto investing.

Which broker offers a better website experience?

Our testing concluded that the website of Hargreaves Lansdown is better than the website of XTB. Hargreaves Lansdown offers more functionality, is cleanly designed, and is, overall, easier to use for beginners and casual investors.

Which stock trading app is better?

To compare the trading platforms of both Hargreaves Lansdown and XTB, we tested each broker's stock trading app. All features compared, our analysis finds that Hargreaves Lansdown offers a better mobile app. Dive deeper: Best Stock Trading Apps UK.

Do Hargreaves Lansdown and XTB offer educational resources?

Educational offerings are of particular importance to those who are newer to investing, and we examine the availability of several different types of educational materials in our analysis. Our research finds that Hargreaves Lansdown offers traders access to Client Webinars, Education (Share Trading), Education (Funds) and Education (Retirement), while XTB offers access to Client Webinars, Client Webinars (Archived), Education (Share Trading) and Education (Funds).

Overall winner: Hargreaves Lansdown

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