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