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Trading 212 vs Lloyds Bank 2025

StockBrokers.com

Written by StockBrokers.com

April 17, 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: No
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, 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

When comparing the investment offerings of Trading 212 and Lloyds Bank, UK investors will find notable differences tailored to varying financial preferences. Trading 212 provides a solid platform for those interested in share and ETF trading, alongside the option for CFD Trading. However, it does not support trading in cryptocurrencies, spread betting, or several other instruments like corporate and government bonds. Despite these limitations, Trading 212 earns a 4.5-star rating for its investment choices, positioning itself as a considerable choice for those primarily aiming for shares, ETFs, and investment trusts.

Lloyds Bank, in contrast, extends a more comprehensive suite of investment options. It supports share and ETF trading, and uniquely offers access to funds, corporate and government bonds, and advisor services—avenues that Trading 212 lacks. Rated 5-stars for its investment services, Lloyds Bank also outpaces Trading 212 in rankings at #8 out of 21 brokers, indicating a robust selection geared for investors seeking a broad spectrum of opportunities. However, like Trading 212, it does not engage in crypto trading or spread betting, aligning its core offerings with more traditional investment routes.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Share Trading info Yes Yes
CFD Trading info Yes No
ETFs info Yes Yes
Funds info No Yes
Bonds - Government (Gilts) info No Yes
Investment Trusts info Yes Yes
Spread Betting info No No
Crypto Trading info No No
Advisor Services info No Yes
Investment Choices 4.5/5 Stars 5/5 Stars

Featured Offers


4.5/5 Stars

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4.5/5 Stars

Professional’s Gateway to the World’s Markets.

Trading Tools

When comparing Trading 212 and Lloyds Bank for their trading tools, UK investors will find notable differences. Trading 212 stands out with an impressive suite of 27 drawing tools and 106 technical indicators for charting, allowing for more detailed analysis. Lloyds Bank, on the other hand, does not provide any drawing tools or technical indicators, which might limit its appeal for some traders. Additionally, while both platforms allow users to create alerts for stock price updates and offer browser-based trading, only Trading 212 offers real-time market data, which can be crucial for making timely trading decisions.

Neither Trading 212 nor Lloyds Bank can display corporate events, add index or stock overlays on charts, which might impact traders who rely on these features for comprehensive market insights. However, Trading 212 does allow users to add notes directly to charts, providing an avenue for personalized analysis that Lloyds Bank lacks. Ultimately, for those seeking a more feature-rich charting experience, Trading 212 may offer more flexibility and tools to suit varied trading strategies. Meanwhile, Lloyds Bank provides a streamlined approach, suitable for those focused on simplicity and basic trading needs.

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 No
Charting - Display Corporate Events info No No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No

ISAs and SIPPs

When comparing online broker Trading 212 with Lloyds Bank in terms of retirement account offerings, UK investors will find notable differences. Trading 212 provides Individual Savings Accounts (ISAs), a tax-efficient way to invest, appealing to those looking for straightforward investment options. Lloyds Bank, however, not only offers ISAs but also Self-Invested Personal Pensions (SIPPs), which can be attractive to individuals focused on managing their pension savings and planning for retirement. This makes Lloyds Bank a more comprehensive choice for UK investors seeking both immediate tax benefits and long-term retirement investment flexibility, while Trading 212 is suitable for those who need a simpler investment option like ISAs.

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 UK beginners seeking investment education, Trading 212 and Lloyds Bank present distinct offerings. Trading 212 provides resources on share trading and funds, while Lloyds Bank does not cover these topics. However, neither broker offers webinars or guidance on retirement investing. Both are equally rated at four stars for beginner education by UK.StockBrokers.com, though Trading 212 slightly outranks Lloyds Bank, coming in at 13th compared to Lloyds' 14th place, out of 21 brokers. Investors keen on learning about shares and funds may find Trading 212's resources more aligned with their needs, while both offer similar overall educational quality for beginners.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Client Webinars info No No
Client Webinars (Archived) info No No
Education (Share Trading) info Yes No
Education (Funds) info Yes No
Education (Retirement) info No No
Education 4/5 Stars 4/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

When comparing market research features, Trading 212 and Lloyds Bank cater to different investor needs in the UK. Trading 212 excels in offering investors insights into shares, ETFs, and CFDs, alongside a useful feature to view portfolio allocation by asset class. However, it lacks research tools for funds and bonds. On the other hand, Lloyds Bank shines in providing comprehensive research reports for funds and bonds, making it suitable for investors seeking detailed reports in these areas. It also supports research for shares and ETFs, though it lacks the feature to view portfolio allocation by asset class. Both platforms provide valuable resources, yet their offerings cater to distinct investment strategies and preferences.

Feature Trading 212 logoTrading 212
Lloyds Bank logoLloyds Bank
Research - Shares info Yes Yes
Research - CFDs info Yes No
Research - ETFs info Yes Yes
Research - Bonds info No Yes
Research - Funds info No Yes
Fund Research - Research Reports info No Yes
Portfolio Allocation Breakdown info Yes No

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?

Neither Trading 212 nor Lloyds Bank currently offers cryptocurrency trading, positioning both as traditional financial service providers, with Trading 212 specializing in online brokerage and stock trading and Lloyds Bank focusing on conventional banking services.

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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 No Yes
Share Trading info Yes Yes
CFD Trading info Yes No
Funds info No Yes
ETFs info Yes Yes
Bonds - Corporate info No Yes
Bonds - Government (Gilts) info No Yes
Investment Trusts info Yes Yes
Spread Betting info No No
Crypto Trading info No No
Advisor Services info No 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 No
Charting - Display Corporate Events info No No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No
Research Trading 212 Lloyds Bank
Research - Shares info Yes Yes
Research - CFDs info Yes No
Research - Funds info No Yes
Fund Research - Research Reports info No Yes
Research - ETFs info Yes Yes
Research - Bonds info No Yes
Portfolio Allocation Breakdown info Yes No
Education Trading 212 Lloyds Bank
Education (Share Trading) info Yes No
Education (Funds) info Yes No
Education (Retirement) info No No
Client Webinars info No No
Client Webinars (Archived) info No No
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
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