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Interactive Investor vs Lloyds Bank 2025

StockBrokers.com

Written by StockBrokers.com

April 17, 2025

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.

Interactive Investor
5/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: Yes
Lloyds Bank
4/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: Yes

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 Investor offers better pricing than Lloyds Bank 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 - Interactive Investor would cost £79.83 per year, while Lloyds Bank would cost £95 per year.

12 trades per year - Interactive Investor would cost £59.88 / £107.76 per year, while Lloyds Bank would cost £40 - £172 per year.

36 trades per year - Interactive Investor would cost £59.88 / £203.52 per year, while Lloyds Bank would cost £40 - £328 per year.

120 trades per year - Interactive Investor would cost £59.88 / £538.68 per year, while Lloyds Bank would cost £40 / £1,000 per year.

3 fund trades per year - Interactive Investor would cost £0 per year, while Lloyds Bank would cost £0 per year.

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 Investor and Lloyds Bank both provide a wide array of investment options suitable for UK investors seeking a comprehensive platform. Both platforms offer share trading, ETF trading, funds trading, corporate and government bond (gilts) trading, as well as investment trusts, positioning them as solid choices for diversified portfolios. While Lloyds Bank enhances its offering with advisory services, Interactive Investor, highly rated with five stars by UK.StockBrokers.com, edges ahead in the rankings, securing the third spot among 21 brokers, whereas Lloyds Bank holds the eighth position.

When choosing between these two, both platforms offer significant appeal to UK investors, especially those interested in traditional investment vehicles. However, if ranking and online reviews influence your decision, Interactive Investor might be the preferred choice due to its prominence in the rankings. While details on their support for crypto trading, spread betting, and CFD trading are not discussed, their existing offerings present a compelling foundation for investors navigating the UK market.

Feature Interactive Investor logoInteractive Investor
Lloyds Bank logoLloyds Bank
Share Trading info Yes Yes
CFD Trading info
ETFs info Yes Yes
Funds info Yes Yes
Bonds - Government (Gilts) info Yes Yes
Investment Trusts info Yes Yes
Spread Betting info
Crypto Trading info
Advisor Services info Yes
Investment Choices 5/5 Stars 5/5 Stars

Featured Offers


4.5/5 Stars

Low-cost US and UK shares.

4.5/5 Stars

Professional’s Gateway to the World’s Markets.

Trading Tools

When comparing Interactive Investor and Lloyds Bank for trading tools, Interactive Investor stands out with its comprehensive features tailored for investors seeking detailed charting capabilities. Interactive Investor allows users to display corporate events on charts, which is absent in Lloyds Bank's offerings. With 18 drawing tools and 104 technical indicators available for charting, Interactive Investor provides significantly more options compared to Lloyds Bank, which offers none in these categories. Investors can also annotate charts, add index and stock overlays, and set up stock price alerts with Interactive Investor, enhancing the depth of their analysis.

Both Interactive Investor and Lloyds Bank provide a browser-based trading platform, allowing traders to access their investments through a web browser. However, the experience differs in terms of market data and customization. Interactive Investor supplies real-time market data, ensuring that users have the most current information at their fingertips, whereas Lloyds Bank lacks this feature. For UK investors keen on a comprehensive and analytical approach to online trading, Interactive Investor clearly offers a more feature-rich platform.

Feature Interactive Investor logoInteractive Investor
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 104 0
Charting - Drawing Tools info 18 0
Charting - Notes info Yes
Charting - Display Corporate Events info Yes
Charting - Stock Overlays info Yes
Charting - Index Overlays info Yes

ISAs and SIPPs

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.

Mobile App

For UK investors seeking a reliable mobile trading experience, both Interactive Investor and Lloyds Bank provide convenient smartphone apps for iPhone and Android users. Interactive Investor's app stands out with a rating of 4.5 stars from UK.StockBrokers.com, placing it at an impressive #7 out of 21 brokers for mobile app performance. In contrast, Lloyds Bank's mobile app has a rating of 3.5 stars and ranks at #17, indicating a more average user experience. Whether choosing Interactive Investor's higher-rated service or considering Lloyds Bank for their broader banking services, both platforms offer mobile solutions to facilitate on-the-go investing.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For UK residents looking to dip their toes into investing, Interactive Investor and Lloyds Bank offer educational resources tailored to beginners, but with noticeable distinctions. Interactive Investor excels with 5-star beginner education, ranking #2 out of 21 brokers by UK.StockBrokers.com. They provide comprehensive resources, including live and on-demand webinars and guidance on share trading, funds, and retirement. In contrast, Lloyds Bank, rated 4 stars and ranked #14, lacks these educational webinars and archived content, leaving a gap in accessible learning opportunities for new investors focused on these key topics. Choosing between them depends on the depth and convenience of educational content you seek to kickstart your investment journey.

Feature Interactive Investor logoInteractive Investor
Lloyds Bank logoLloyds Bank
Client Webinars info Yes
Client Webinars (Archived) info Yes
Education (Share Trading) info Yes
Education (Funds) info Yes
Education (Retirement) info Yes
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 Investor and Lloyds Bank, both platforms offer research reports for funds, shares, ETFs, and bonds, making them valuable resources for investors seeking insights across various investment products. However, Interactive Investor provides an added benefit with the ability to view portfolio allocation by asset class, a feature not highlighted for Lloyds Bank. Both platforms seem to lack specific research offerings for CFDs, making them similar in this regard. Overall, Interactive Investor may appeal to those who prioritize detailed allocation insights alongside comprehensive research features.

Feature Interactive Investor logoInteractive Investor
Lloyds Bank logoLloyds Bank
Research - Shares info Yes Yes
Research - CFDs info
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

Interactive Investor vs Lloyds Bank Winner

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.

The standout feature at Interactive Investor (ii) is its low flat-rate fees. Other investment platforms typically favour percentage fees for fund investing, although more brokers are now opting for flat fees. Our view is that Interactive Investor is a great platform for any investor, offering a wide range of investments for cheap prices on the whole.

Feature Interactive Investor logoInteractive Investor
Lloyds Bank logoLloyds Bank
Overall Rating 5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 5/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 5/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars

FAQs

Can you trade cryptocurrency with Interactive Investor or Lloyds Bank?

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
Overall Rating 5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 5/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 5/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars
Review Interactive Investor Review Lloyds Bank Review
Winner check_circle
Investments Interactive Investor Lloyds Bank
ISA info Yes Yes
SIPP info Yes Yes
Share Trading info Yes Yes
CFD Trading info
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
Crypto Trading info
Advisor Services info Yes
Trading Fees Interactive Investor Lloyds Bank
Minimum Deposit info £0 £0
Share Trading: 0-9 Deals/ Month info £3.99 £8 - £11
Share Trading: 10-19 Deals/ Month info £3.99 £8
Share Trading: 20+ Deals/ Month info £3.99 £8
5 trades per year (£30k portfolio) info £79.83 £95
12 trades per year (£30k portfolio) info £59.88 / £107.76 £40 - £172
36 trades per year (£30k portfolio) info £59.88 / £203.52 £40 - £328
120 trades per year (£30k portfolio) info £59.88 / £538.68 £40 / £1,000
3 fund trades per year (£30k portfolio) info £71.85 £44.50
Annual Custody Fee: £0 - £250,000 info £59.88 - £143.88 £40
Annual Custody Fee: £250K-£500K info £143.88 £40
Annual Custody Fee: £500,000 - £1m info £143.88 £40
Annual Custody Fee: £1m and over info £143.88 £40
Bonds - Corporate - Fee info £3.99 £8 - £11
Bonds - Government (Gilts) - Fee info £3.99 £8 - £11
ETFs - Fee info £3.99 £8 - £11
Investment Trusts - Fee info £3.99 £8 - £11
Telephone Dealing Fee info £49 £35
Broker Screenshots Interactive Investor Lloyds Bank
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Platforms & Tools Interactive Investor 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 104 0
Charting - Drawing Tools info 18 0
Charting - Notes info Yes
Charting - Display Corporate Events info Yes
Charting - Stock Overlays info Yes
Charting - Index Overlays info Yes
Research Interactive Investor 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
Education Interactive Investor Lloyds Bank
Education (Share Trading) info Yes
Education (Funds) info Yes
Education (Retirement) info Yes
Client Webinars info Yes
Client Webinars (Archived) info Yes
Overall Summary Interactive Investor Lloyds Bank
Overall Rating 5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 5/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 5/5 Stars 4/5 Stars
Ease of Use 5/5 Stars 3.5/5 Stars
Education 5/5 Stars 4/5 Stars
Review Interactive Investor Review Lloyds Bank Review
Winner check_circle
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