Written by StockBrokers.com
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.
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, Trading 212 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.
Trading 212 and Lloyds Bank both let UK investors buy shares, ETFs and investment trusts, and each has a strong 4.5 out of 5 rating from UK.StockBrokers.com for investment choices. Trading 212 also offers CFD trading, while Lloyds Bank does not. On the other hand, Lloyds Bank gives access to funds, corporate bonds, government bonds (gilts) and adviser services, which Trading 212 does not offer.
In UK.StockBrokers.com’s investment choices ranking, Lloyds Bank sits slightly higher at 7th out of 21 brokers, compared with Trading 212 at 10th. Neither provider offers crypto trading or spread betting from the information given, so the main difference is that Trading 212 suits investors who want share and ETF trading plus CFDs, while Lloyds Bank offers a wider range of traditional investment options and advice.
| Feature |
Trading 212
|
Lloyds Bank
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | Yes | No |
| ETFs | Yes | Yes |
| Mutual Funds | No | Yes |
| Bonds - Government (Gilts) | No | Yes |
| Investment Trusts | Yes | Yes |
| Spread Betting | No | No |
| Crypto Trading | ||
| Advisor Services | No | Yes |
| Investment Choices |
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Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
When it comes to trading tools, Trading 212 gives UK investors a slightly wider charting setup than Lloyds Bank. Trading 212 offers 15 drawing tools and 104 technical indicators, compared with Lloyds Bank’s 93 indicators, while both platforms let you add notes to charts and use a browser-based trading platform. Neither broker shows corporate events such as earnings, splits or dividends on charts, and neither supports index or stock overlays.
For market data and alerts, Trading 212 has the edge too, as it offers real-time market data as well as price alerts for stocks. Lloyds Bank also provides stock price alerts, but its market data is not real-time. If chart detail and live pricing matter most, Trading 212 may suit active traders better, while Lloyds Bank still covers the basics well for simpler investing.
| Feature |
Trading 212
|
Lloyds Bank
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | Yes |
| Charting - Indicators / Studies | 104 | 93 |
| Charting - Drawing Tools | 15 | |
| Charting - Notes | Yes | Yes |
| Charting - Display Corporate Events | No | No |
| Charting - Stock Overlays | No | No |
| Charting - Index Overlays | No | No |
Trading 212 and Lloyds Bank both offer ISA and SIPP retirement accounts for UK savers, giving you tax-efficient ways to invest for the future. Trading 212 may appeal if you want a low-cost online broker with a simple app-based experience, while Lloyds Bank may suit those who prefer a well-known high street bank with a more traditional service. If you are comparing retirement account options, both providers let you open either an ISA or a SIPP, so the main difference is likely to be fees, ease of use, and the style of service you prefer.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
For UK investors comparing mobile apps, the online broker Trading 212 and Lloyds Bank both offer iPhone and Android apps; however, UK.StockBrokers.com rates Trading 212 at 5/5 stars and ranks it #3 out of 21 brokers for Mobile Apps, while Lloyds Bank earns 3.5/5 stars and ranks #14, indicating Trading 212 provides a higher-rated mobile trading experience.
Dive deeper: Best Stock Trading Apps UK.
For beginner investor learning, Trading 212 has a slight edge over Lloyds Bank. Trading 212 covers key topics such as share trading, funds and retirement, while Lloyds Bank does not offer this same range, and neither provider offers live or on-demand client webinars. UK.StockBrokers.com rates Trading 212 higher for beginner education at 4.5 out of 5 stars, placing it 10th out of 21 brokers, compared with Lloyds Bank’s 4 stars and 11th place.
| Feature |
Trading 212
|
Lloyds Bank
|
|---|---|---|
| Client Webinars | No | No |
| Client Webinars (Archived) | No | No |
| Education (Share Trading) | Yes | No |
| Education (Funds) | Yes | No |
| Education (Retirement) | Yes | No |
| Education |
|
|
Dive deeper: Best UK Trading Platforms for Beginners.
When comparing the market research features of Trading 212 and Lloyds Bank, UK investors will find notable differences in the services offered. Trading 212 shines with its ability to display portfolio allocation by asset class, a function Lloyds Bank does not provide. Both platforms are equipped with resources for researching shares and ETFs, catering to investors keen on these assets. However, Trading 212 lacks research reports for funds and bonds, areas where Lloyds Bank excels, offering comprehensive reports for both. Individuals seeking in-depth analysis on funds and bonds might prefer Lloyds Bank, while those prioritizing asset allocation insights may lean towards Trading 212.
| Feature |
Trading 212
|
Lloyds Bank
|
|---|---|---|
| Research - Shares | Yes | Yes |
| Research - ETFs | Yes | Yes |
| Research - Bonds | No | Yes |
| Research - Funds | No | Yes |
| Fund Research - Research Reports | No | Yes |
| Portfolio Allocation Breakdown | Yes | No |
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 is a popular investing platform best known for its commission-free trading, easy-to-use mobile app, and support for low-cost investing in stocks and ETFs.
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Trading 212
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Lloyds Bank
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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
0 of 5| Overall Rating | Trading 212 | Lloyds Bank | |
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| Review | Trading 212 Review | Lloyds Bank Review | |
| Winner | check_circle |
| Investments | Trading 212 | Lloyds Bank | |
|---|---|---|---|
| ISA | Yes | Yes | |
| SIPP | Yes | Yes | |
| Share Trading | Yes | Yes | |
| CFD Trading | Yes | No | |
| Mutual Funds | No | Yes | |
| ETFs | Yes | Yes | |
| Bonds - Corporate | No | Yes | |
| Bonds - Government (Gilts) | No | Yes | |
| Investment Trusts | Yes | Yes | |
| Spread Betting | No | No | |
| Crypto Trading | |||
| Advisor Services | No | Yes |
| Trading Fees | Trading 212 | Lloyds Bank | |
|---|---|---|---|
| Minimum Deposit | £1 | £1 | |
| Share Trading: 0-9 Deals/ Month | £0 | £9.50 | |
| Share Trading: 10-19 Deals/ Month | £0 | £8 | |
| Share Trading: 20+ Deals/ Month | £0 | £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 | £0 | £36 | |
| Annual Platform Fee (Funds): £250K-£500K | £0 | £36 | |
| Annual Platform Fee (Funds): £500,000 - £1m | £0 | £36 | |
| Annual Platform Fee (Funds): £1m and over | £0 | £36 | |
| Bonds - Corporate - Fee | N/A | £9.50 | |
| Bonds - Government (Gilts) - Fee | N/A | £9.50 | |
| ETFs - Fee | £0 | £9.50 | |
| Investment Trusts - Fee | £0 | N/A | |
| Telephone Dealing Fee | N/A | £35 |
| Broker Screenshots | Trading 212 | Lloyds Bank | |
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| Education Gallery (click to expand) |
| Platforms & Tools | Trading 212 | 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 | 15 | ||
| Charting - Notes | Yes | Yes | |
| Charting - Display Corporate Events | No | No | |
| Charting - Stock Overlays | No | No | |
| Charting - Index Overlays | No | No |
| Research | Trading 212 | Lloyds Bank | |
|---|---|---|---|
| Research - Shares | Yes | Yes | |
| Research - CFDs | |||
| Research - Funds | No | Yes | |
| Fund Research - Research Reports | No | Yes | |
| Research - ETFs | Yes | Yes | |
| Research - Bonds | No | Yes | |
| Portfolio Allocation Breakdown | Yes | No |
| Education | Trading 212 | Lloyds Bank | |
|---|---|---|---|
| Education (Share Trading) | Yes | No | |
| Education (Funds) | Yes | No | |
| Education (Retirement) | Yes | No | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | No | No |
| Overall Summary | Trading 212 | Lloyds Bank | |
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| Review | Trading 212 Review | Lloyds Bank Review | |
| Winner | check_circle |
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