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Interactive Brokers vs Lloyds Bank 2026

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: £1
  • 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, Lloyds Bank offers better pricing than Interactive Brokers 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

Interactive Brokers vs Lloyds Bank: both offer UK share dealing plus access to ETFs, funds, corporate bonds, government bonds (gilts), and investment trusts. Interactive Brokers also supports crypto and CFD trading, which Lloyds Bank does not. If you need advice, Lloyds Bank offers advisor services, while Interactive Brokers does not.

For investment choices, UK.StockBrokers.com rates Interactive Brokers 5/5 (ranked #1 of 21) and Lloyds Bank 4.5/5 (ranked #7 of 21). Choose Interactive Brokers if you want wider markets, including crypto and CFDs; pick Lloyds Bank if you prefer mainstream investments with the option to get advice from a UK high-street bank.

Feature Interactive Brokers logoInteractive Brokers
Lloyds Bank logoLloyds Bank
Share Trading info Yes Yes
CFD Trading info Yes 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 4.5/5 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

If you’re choosing between Interactive Brokers and Lloyds Bank for trading tools, Interactive Brokers has the deeper charting feature set. It shows corporate events (earnings, splits, dividends) on charts, offers 85 drawing tools (Lloyds Bank doesn’t state a total), and includes 155 technical indicators versus Lloyds Bank’s 93. Both let you add notes to charts.

Interactive Brokers also supports index and stock overlays on charts, which Lloyds Bank does not. Each provides a browser-based trading platform and price alerts. Neither offers real-time market data by default, so expect delayed prices unless you add paid data where available.

Feature Interactive Brokers logoInteractive Brokers
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 155 93
Charting - Drawing Tools info 85
Charting - Notes info Yes Yes
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes 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

For UK investors comparing mobile options, both Interactive Brokers (online broker) and Lloyds Bank offer iPhone and Android apps; however, UK.StockBrokers.com rates Interactive Brokers’ mobile trading app 5/5 stars and ranks it 5th out of 21 brokers, while Lloyds Bank’s app scores 3.5/5 stars and ranks 14th. If app quality and performance are priorities, Interactive Brokers currently leads, though Lloyds Bank still provides convenient mobile access for everyday use.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For UK beginners, Interactive Brokers beats Lloyds Bank on investor education: it runs client webinars, lets you watch them on demand, and offers learning on share trading, funds and retirement. Lloyds Bank does not provide webinars, on-demand archives or education on those topics. Matching this, UK.StockBrokers.com rates Interactive Brokers 5 out of 5 stars and ranks it #4 of 21 brokers for beginner education, while Lloyds Bank earns 4 out of 5 stars and ranks #11.

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 4.5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 4/5 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 4.5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 4/5 Stars
Education 5/5 Stars 4/5 Stars
Review Interactive Brokers Review Lloyds Bank Review
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Investments Interactive Brokers Lloyds Bank
ISA info Yes Yes
SIPP info Yes Yes
Share Trading info Yes Yes
CFD Trading info Yes 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 £1
Share Trading: 0-9 Deals/ Month info £3 £9.50
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 £36
Annual Platform Fee (Funds): £250K-£500K info £0 £36
Annual Platform Fee (Funds): £500,000 - £1m info £0 £36
Annual Platform Fee (Funds): £1m and over info £0 £36
Bonds - Corporate - Fee info 0.1% (for <10,000 EUR) 0.025% (for >10,000 EUR) £9.50
Bonds - Government (Gilts) - Fee info 0.1% (for <10,000 EUR) 0.025% (for >10,000 EUR) £9.50
ETFs - Fee info £3 £9.50
Investment Trusts - Fee info £3 N/A
Telephone Dealing Fee info $30 £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 155 93
Charting - Drawing Tools info 85
Charting - Notes info Yes Yes
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes 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 4.5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 4/5 Stars
Education 5/5 Stars 4/5 Stars
Review Interactive Brokers Review Lloyds Bank Review
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