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Interactive Brokers vs Lloyds Bank 2025

StockBrokers.com

Written by StockBrokers.com

July 31, 2025

In this head to head comparison of Interactive Brokers vs Lloyds Bank, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.

Interactive Brokers
4.5/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: Yes
Lloyds Bank
4/5 Stars Overall
  • Minimum Deposit: £0
  • 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, Interactive Brokers offers better pricing than Lloyds Bank 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

For UK investors comparing Interactive Brokers with Lloyds Bank, both offer share trading and ETFs, plus access to funds, investment trusts, corporate bonds and UK gilts. Neither supports CFD trading. Interactive Brokers also offers crypto trading, which Lloyds Bank does not. Spread betting isn’t listed for either. Lloyds Bank offers advisor services, while Interactive Brokers is execution-only.

On investment choice, UK.StockBrokers.com rates both 5/5, yet ranks Interactive Brokers higher (#2 of 21) than Lloyds Bank (#8 of 21). Pick Interactive Brokers if crypto access matters; choose Lloyds Bank if you want advisor support alongside a broad selection of mainstream investments.

Feature Interactive Brokers logoInteractive Brokers
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 Yes No
Advisor Services info No Yes
Investment Choices 5/5 Stars 5/5 Stars

Featured Offers


IG
4.5/5 Stars

Low-cost US and UK shares.

Interactive Brokers
4.5/5 Stars

Professional’s Gateway to the World’s Markets.

Trading Tools

Interactive Brokers vs Lloyds Bank for UK trading tools: If charting matters, Interactive Brokers is far ahead with 16 drawing tools and 94 technical indicators, while Lloyds Bank offers none. Neither platform displays corporate events (earnings, splits, dividends) on charts, and neither lets you add notes or apply index/stock overlays.

Both providers have a browser-based trading platform and support share price alerts, but neither offers real-time market data. In short, active chart users will likely prefer Interactive Brokers’ deeper toolset, whereas Lloyds Bank suits straightforward trading without advanced chart analysis.

Feature Interactive Brokers logoInteractive Brokers
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 94 0
Charting - Drawing Tools info 16 0
Charting - Notes info No No
Charting - Display Corporate Events info No No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No

ISAs and SIPPs

For UK residents looking to compare retirement account options, both Interactive Brokers and Lloyds Bank offer Individual Savings Accounts (ISAs) and Self-Invested Personal Pensions (SIPPs). Interactive Brokers provides a versatile platform for those interested in managing their investments with an array of options for both ISAs and SIPPs. Similarly, Lloyds Bank also offers comprehensive ISA and SIPP accounts, catering to individuals seeking the stability of a traditional banking institution. Each provider presents valuable options for retirement planning, allowing you to choose according to your investment preferences and comfort level with online vs. traditional banking services.

Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.

Mobile App

When it comes to mobile apps, both Interactive Brokers and Lloyds Bank offer options for iPhone and Android users, but they differ significantly in user ratings and rankings. Interactive Brokers is highly praised, with a 5-star rating from UK.StockBrokers.com, placing it fourth out of 21 brokers in the mobile app category. In contrast, Lloyds Bank's app receives a more modest 3.5-star rating, ranking it 17th among its peers. Whether you're prioritizing a top-rated trading experience or a bank-focused app, knowing these differences can aid in making an informed choice.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For UK beginners comparing broker education, Interactive Brokers stands out with live and on-demand client webinars and clear learning on share trading, funds and retirement, whereas Lloyds Bank offers no webinars, no on-demand archive and no dedicated education on those topics. UK.StockBrokers.com rates Interactive Brokers 5/5 and ranks it 8th of 21 for beginner education, while Lloyds Bank earns 4/5 and ranks 14th. If you want structured, self-paced learning resources, Interactive Brokers is the stronger choice; Lloyds Bank may suit those who don’t need a full education hub.

Feature Interactive Brokers logoInteractive Brokers
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 Interactive Brokers and Lloyds Bank for UK investors, both platforms offer comprehensive research reports for funds and provide in-depth analysis of shares, ETFs, funds, and bonds. However, a key difference lies in portfolio management capabilities: Interactive Brokers offers the ability to view portfolio allocation by asset class, a feature not available with Lloyds Bank. This distinction may appeal to investors seeking detailed insights into their investment portfolio structure for diversified investment strategies. Overall, both brokers provide a wealth of research options, though Interactive Brokers could be more appealing for those prioritizing detailed asset allocation analysis.

Feature Interactive Brokers logoInteractive Brokers
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

Interactive Brokers vs Lloyds Bank Winner

Which broker is better overall, Interactive Brokers or Lloyds Bank? After collecting more than 900 data points over a 10-week period, we found Interactive Brokers to be a better trading platform overall.

Interactive Brokers is a sophisticated trading platform aimed at confident and institutional-grade investors. For newer investors, Interactive Brokers is more intimidating, though it's worth exploring the platform to see if you could save money or access more investments compared to other brokers.

Feature Interactive Brokers logoInteractive Brokers
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 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars

FAQs

Can you trade cryptocurrency with Interactive Brokers or Lloyds Bank?

When comparing online brokerages, Interactive Brokers provides the advantage of crypto trading, which is not offered by Lloyds Bank, making it a significant consideration for investors interested in diversifying their portfolio with cryptocurrencies.

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Overall Rating Interactive Brokers 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 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars
Review Interactive Brokers Review Lloyds Bank Review
Winner check_circle
Investments Interactive Brokers 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 Yes info
Advisor Services info No Yes
Trading Fees Interactive Brokers Lloyds Bank
Minimum Deposit info £0 £0
Share Trading: 0-9 Deals/ Month info £3 £8 - £11
Share Trading: 10-19 Deals/ Month info £3 £8
Share Trading: 20+ Deals/ Month info £3 £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 £0 £40
Annual Platform Fee (Funds): £250K-£500K info £0 £40
Annual Platform Fee (Funds): £500,000 - £1m info £0 £40
Annual Platform Fee (Funds): £1m and over info £0 £40
Bonds - Corporate - Fee info 0.1% (for <10,000 EUR) 0.025% (for >10,000 EUR) £8 - £11
Bonds - Government (Gilts) - Fee info 0.1% (for <10,000 EUR) 0.025% (for >10,000 EUR) £8 - £11
ETFs - Fee info £3 £8 - £11
Investment Trusts - Fee info £3 £8 - £11
Telephone Dealing Fee info £25 £35
Broker Screenshots Interactive Brokers Lloyds Bank
Website Gallery (click to expand)
The home page of the Interactive Brokers website (demo account). The order ticket on the IBKR website. List of available indicators for the charts when viewing a share price on the IBKR website.
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 screen of the IBKR mobile app. The customisation screen for the homepage of the IBKR mobile app. The watchlist on the IBKR mobile app. Share price information for Barclays stock on the IBKR mobile app. Viewing a stock chart for Lloyds Bank on the IBKR mobile app. The order ticket on the IBKR mobile app (slide to buy). Order fulfillment screen on the IBKR mobile app. Various order types available on the IBKR mobile app. Setting advanced order conditions on the IBKR mobile app. The Learn page of the IBKR mobile app. IBKR GlobalTrader home page. The trade ticket on the IBKR GlobalTrader mobile app. Order preview for purchasing Apple stock on the IBKR GlobalTrader 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 Interactive Brokers 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 94 0
Charting - Drawing Tools info 16 0
Charting - Notes info No No
Charting - Display Corporate Events info No No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No
Research Interactive Brokers 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 Interactive Brokers 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 Interactive Brokers 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 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars
Review Interactive Brokers Review Lloyds Bank Review
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