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Trading 212 vs Lloyds Bank 2025

StockBrokers.com

Written by StockBrokers.com

July 31, 2025

In this head to head comparison of Trading 212 vs Lloyds Bank, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.

Trading 212
4.5/5 Stars Overall
  • Minimum Deposit: £1
  • ISA: Yes
  • SIPP:
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, Trading 212 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 - Trading 212 would cost £0 per year, while Lloyds Bank would cost £95 per year.

12 trades per year - Trading 212 would cost £0 per year, while Lloyds Bank would cost £40 - £172 per year.

36 trades per year - Trading 212 would cost £0 per year, while Lloyds Bank would cost £40 - £328 per year.

120 trades per year - Trading 212 would cost £0 per year, while Lloyds Bank would cost £40 / £1,000 per year.

3 fund trades per year - Trading 212 would cost £1 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

In the UK investment landscape, Trading 212 and Lloyds Bank present varied options for those looking to grow their portfolios. Trading 212 stands out by offering a wide range of investment opportunities, including share trading, ETFs, CFD trading, and investment trusts. However, it lacks offerings in areas like crypto trading, spread betting, and funds trading. Lloyds Bank, on the other hand, provides a thorough selection, including share trading, ETFs, funds, corporate and government bonds, and investment trusts, while also leveraging advisor services. This comprehensive approach might appeal more to traditional investors seeking a guided experience.

According to UK.StockBrokers.com, Trading 212 earns a commendable 4.5-star rating for its investment choices, while Lloyds Bank goes a step further with a full 5-star rating. Such differences in offerings and ratings lead to varying rankings, with Trading 212 positioned at 16th among 21 brokers, and Lloyds Bank holding the 8th spot. This higher ranking can be attributed to Lloyds Bank's diversified investment options catering to a broad spectrum of investor needs, making it a valuable choice for those seeking a more inclusive investment hub.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Share Trading info Yes Yes
CFD Trading info Yes
ETFs info Yes Yes
Funds info Yes
Bonds - Government (Gilts) info Yes
Investment Trusts info Yes Yes
Spread Betting info
Crypto Trading info
Advisor Services info Yes
Investment Choices 4.5/5 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 it comes to trading tools, Trading 212 shines with a comprehensive set of features that cater to both novice and experienced traders. Users can make use of 106 technical indicators and an impressive 27 drawing tools for detailed chart analysis. The platform offers the capability to display corporate events like earnings and dividends directly on charts and allows users to add notes, which is ideal for personal tracking. Additionally, Trading 212 provides real-time market data and lets users set alerts for stock price updates, all within its accessible browser-based platform.

On the other hand, Lloyds Bank doesn't quite stack up in terms of trading tools. While it does offer a browser-based platform and the option to create stock price alerts, the features are more basic. Lloyds Bank lacks drawing tools and technical indicators, and it does not support corporate event displays or note-taking on charts. It's suitable for those who prefer a straightforward approach without the bells and whistles of detailed technical analysis tools. However, for traders seeking a richer experience, Trading 212 offers more advanced capabilities.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 106 0
Charting - Drawing Tools info 27 0
Charting - Notes info Yes
Charting - Display Corporate Events info
Charting - Stock Overlays info
Charting - Index Overlays info

ISAs and SIPPs

When comparing retirement account options between Trading 212 and Lloyds Bank in the UK, both platforms offer Individual Savings Accounts (ISAs), catering to those looking to save tax-efficiently. However, they diverge in their offerings of Self-Invested Personal Pensions (SIPPs). Lloyds Bank provides SIPP accounts, which allow individuals greater control over their pension investments, whereas Trading 212 does not currently offer this option. Therefore, while both are viable choices for ISA accounts, Lloyds Bank might be more appealing for those specifically seeking to manage their retirement savings through a SIPP.

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

Mobile App

When it comes to mobile trading apps, both Trading 212 and Lloyds Bank provide options for iPhone and Android users. However, the experiences differ significantly according to UK.StockBrokers.com. Trading 212's mobile app shines with a 5-star rating and ranks 3rd out of 21 brokers for its excellent functionality and user experience. In contrast, Lloyds Bank's mobile app receives a more modest 3.5-star rating, placing it at 17th, indicating room for improvement in its mobile trading features. UK investors seeking a top-rated mobile trading experience may find Trading 212 a more appealing choice.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For beginner investors in the UK seeking educational resources, Trading 212 and Lloyds Bank present distinct offerings. Trading 212 provides educational resources on share trading and funds, but not on retirement. While it offers client webinars, these sessions are live without options for on-demand viewing. Similarly, Lloyds Bank conducts webinars but also lacks archived options. Notably, both platforms have garnered a 4-star rating for beginner education from UK.StockBrokers.com. In terms of ranking, Trading 212 is positioned at #13 out of 21 brokers, just slightly ahead of Lloyds Bank, which holds the #14 spot. This makes both credible options for novices, though Trading 212 edges out with its broader educational focus on investing topics.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Client Webinars info
Client Webinars (Archived) info
Education (Share Trading) info Yes
Education (Funds) info Yes
Education (Retirement) info
Education 4/5 Stars 4/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

When comparing Trading 212 and Lloyds Bank for their market research features, there are some notable differences to consider. While Lloyds Bank provides comprehensive research reports for funds and bonds, Trading 212 does not offer this service but excels in CFD research, which Lloyds Bank lacks. Both platforms support shares and ETFs research, giving investors a solid start for stock market insights. Trading 212 also offers a useful feature for viewing portfolio allocation by asset class, enhancing the user's ability to manage their investments effectively, a feature not mentioned for Lloyds Bank. This comparison highlights key distinctions, assisting UK investors in choosing a platform that aligns with their research needs.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Research - Shares info Yes Yes
Research - CFDs info Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes
Research - Funds info Yes
Fund Research - Research Reports info Yes
Portfolio Allocation Breakdown info Yes

Trading 212 vs Lloyds Bank Winner

Which broker is better overall, Trading 212 or Lloyds Bank? After collecting more than 900 data points over a 10-week period, we found Trading 212 to be a better trading platform overall.

Trading 212 offers commission-free share dealing and is a great option for those looking to simply execute share or ETF trades. Novice investors or those looking for more diversification through mutual funds may find better options elsewhere.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 4/5 Stars 4/5 Stars

FAQs

Can you trade cryptocurrency with Trading 212 or Lloyds Bank?

Trading 212 and Lloyds Bank differ in their offerings, with Trading 212 providing crypto trading options while Lloyds Bank does not support cryptocurrency trading.

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Compare

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Overall Rating Trading 212 Lloyds Bank
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 4/5 Stars 4/5 Stars
Review Trading 212 Review Lloyds Bank Review
Winner check_circle
Investments Trading 212 Lloyds Bank
ISA info Yes Yes
SIPP info Yes
Share Trading info Yes Yes
CFD Trading info Yes
Funds info Yes
ETFs info Yes Yes
Bonds - Corporate info Yes
Bonds - Government (Gilts) info Yes
Investment Trusts info Yes Yes
Spread Betting info
Crypto Trading info
Advisor Services info Yes
Trading Fees Trading 212 Lloyds Bank
Minimum Deposit info £1 £0
Share Trading: 0-9 Deals/ Month info £0 £8 - £11
Share Trading: 10-19 Deals/ Month info £0 £8
Share Trading: 20+ Deals/ Month info £0 £8
5 trades per year (£30k portfolio) info £0 £95
12 trades per year (£30k portfolio) info £0 £40 - £172
36 trades per year (£30k portfolio) info £0 £40 - £328
120 trades per year (£30k portfolio) info £0 £40 / £1,000
3 fund trades per year (£30k portfolio) info £0 £44.50
Annual Custody Fee: £0 - £250,000 info £0 £40
Annual Custody Fee: £250K-£500K info £0 £40
Annual Custody Fee: £500,000 - £1m info £0 £40
Annual Custody Fee: £1m and over info £0 £40
Bonds - Corporate - Fee info N/A £8 - £11
Bonds - Government (Gilts) - Fee info N/A £8 - £11
ETFs - Fee info 0 £8 - £11
Investment Trusts - Fee info 0 £8 - £11
Telephone Dealing Fee info N/A £35
Broker Screenshots Trading 212 Lloyds Bank
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Platforms & Tools Trading 212 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 106 0
Charting - Drawing Tools info 27 0
Charting - Notes info Yes
Charting - Display Corporate Events info
Charting - Stock Overlays info
Charting - Index Overlays info
Research Trading 212 Lloyds Bank
Research - Shares info Yes Yes
Research - CFDs info Yes
Research - Funds info Yes
Fund Research - Research Reports info Yes
Research - ETFs info Yes Yes
Research - Bonds info Yes
Portfolio Allocation Breakdown info Yes
Education Trading 212 Lloyds Bank
Education (Share Trading) info Yes
Education (Funds) info Yes
Education (Retirement) info
Client Webinars info
Client Webinars (Archived) info
Overall Summary Trading 212 Lloyds Bank
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 5/5 Stars
Mobile App 5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3.5/5 Stars
Education 4/5 Stars 4/5 Stars
Review Trading 212 Review Lloyds Bank Review
Winner check_circle
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