Written by StockBrokers.com
In this head to head comparison of Interactive Investor 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, Interactive Investor 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.
Interactive Investor and Lloyds Bank both give UK investors a wide choice of account investments, including share trading, ETFs, funds, corporate bonds, government bonds (gilts) and investment trusts. Neither platform offers CFD trading, spread betting or crypto trading, so they are better suited to longer-term investing than more speculative trading styles. Both also offer adviser services, which may help if you want guidance when choosing investments.
In terms of investment choice, Interactive Investor has the edge, with a 5-star rating from UK.StockBrokers.com and a ranking of #3 out of 21 brokers. Lloyds Bank is also a solid option, but comes in slightly lower at 4.5 stars and #7 out of 21. If you want a broader range of investing options in one place, Interactive Investor may be the stronger pick.
| Feature |
Interactive Investor
|
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 | ||
| Advisor Services | Yes | Yes |
| Investment Choices |
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Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
Interactive Investor and Lloyds Bank both give UK investors a browser-based trading platform, chart notes and price alerts, but neither shows corporate events such as earnings, splits or dividends on charts, and neither offers real-time market data. In terms of charting, Interactive Investor has more to work with overall, offering 12 drawing tools and 104 technical indicators, compared with Lloyds Bank’s 93 indicators.
Interactive Investor also has an extra edge for chart analysis because it lets you add stock overlays, while Lloyds Bank does not. Neither platform supports index overlays, so if you want a simple online trading setup with basic chart annotation and alerts, both are suitable, but Interactive Investor is the stronger choice for more detailed chart tools.
| Feature |
Interactive Investor
|
Lloyds Bank
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | Yes |
| Charting - Indicators / Studies | 104 | 93 |
| Charting - Drawing Tools | 12 | |
| Charting - Notes | Yes | Yes |
| Charting - Display Corporate Events | No | No |
| Charting - Stock Overlays | Yes | No |
| Charting - Index Overlays | No | No |
When comparing retirement account options between Interactive Investor and Lloyds Bank in the UK, both providers offer Individual Savings Accounts (ISAs) and Self-Invested Personal Pensions (SIPPs) to cater to your financial planning needs. Interactive Investor provides a versatile platform for investors seeking to manage their own portfolios, while Lloyds Bank offers the convenience of integrating banking services with retirement savings. Both services aim to support individuals in building a secure financial future, with choices that align with diverse investment strategies and preferences.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
Comparing mobile apps in the UK, both Interactive Investor and Lloyds Bank offer iPhone and Android apps, but their ratings differ: UK.StockBrokers.com scores Interactive Investor at 4.5 out of 5 stars and ranks it 8th out of 21 brokers, while Lloyds Bank earns 3.5 stars and ranks 14th. If you’re choosing between the two, Interactive Investor’s app is rated higher for overall experience, though both let you manage your money on the go.
Dive deeper: Best Stock Trading Apps UK.
For beginner investor education, Interactive Investor offers more than Lloyds Bank, with client webinars that you can also watch on demand, plus learning on share trading, funds and retirement. This fuller range is reflected in its UK.StockBrokers.com rating of 5 stars and #3 out of 21 brokers, compared with Lloyds Bank’s 4 stars and #11 rank, making Interactive Investor the stronger choice if you want more help getting started.
| Feature |
Interactive Investor
|
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 it comes to market research features available for UK investors, both Interactive Investor and Lloyds Bank provide comprehensive research reports for funds, shares, ETFs, and bonds, making them robust choices for informed investment decisions. However, Interactive Investor stands out by offering insights into portfolio allocation by asset class, a feature not available with Lloyds Bank. For those interested in a deeper understanding of how their investments are distributed across different asset classes, Interactive Investor provides that added layer of detail.
| Feature |
Interactive Investor
|
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, Interactive Investor or Lloyds Bank? After collecting more than 900 data points over a 10-week period, we found Interactive Investor to be a better trading platform overall.
Interactive Investor is a great platform for any investor, offering a wide range of investments for cheap prices on the whole.
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Lloyds Bank
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Interactive Investor does not offer crypto trading, whereas Lloyds Bank also does not provide crypto trading services; however, both companies focus on traditional investment offerings, with Interactive Investor specializing in an online brokerage platform and Lloyds Bank providing comprehensive banking services.
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↓×Compare
0 of 5| Overall Rating | Interactive Investor | Lloyds Bank | |
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| Review | Interactive Investor Review | Lloyds Bank Review | |
| Winner | check_circle |
| Investments | Interactive Investor | 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 | Interactive Investor | Lloyds Bank | |
|---|---|---|---|
| Minimum Deposit | £1 | £1 | |
| Share Trading: 0-9 Deals/ Month | £3.99 | £9.50 | |
| Share Trading: 10-19 Deals/ Month | £3.99 | £8 | |
| Share Trading: 20+ Deals/ Month | £3.99 | £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 | £71.88 / £179.88 | £36 | |
| Annual Platform Fee (Funds): £250K-£500K | £179.88 | £36 | |
| Annual Platform Fee (Funds): £500,000 - £1m | £179.88 | £36 | |
| Annual Platform Fee (Funds): £1m and over | £179.88 | £36 | |
| Bonds - Corporate - Fee | £3.99 | £9.50 | |
| Bonds - Government (Gilts) - Fee | £3.99 | £9.50 | |
| ETFs - Fee | £3.99 | £9.50 | |
| Investment Trusts - Fee | £3.99 | N/A | |
| Telephone Dealing Fee | £49 | £35 |
| Broker Screenshots | Interactive Investor | Lloyds Bank | |
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| Platforms & Tools | Interactive Investor | Lloyds Bank | |
|---|---|---|---|
| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | Yes | |
| Charting - Indicators / Studies | 104 | 93 | |
| Charting - Drawing Tools | 12 | ||
| Charting - Notes | Yes | Yes | |
| Charting - Display Corporate Events | No | No | |
| Charting - Stock Overlays | Yes | No | |
| Charting - Index Overlays | No | No |
| Research | Interactive Investor | 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 | Interactive Investor | 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 | Interactive Investor | Lloyds Bank | |
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| Review | Interactive Investor Review | Lloyds Bank Review | |
| Winner | check_circle |
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