Written by StockBrokers.com
In this head to head comparison of Lloyds Bank vs Vanguard UK Investor, 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, Lloyds Bank offers better pricing than Vanguard UK Investor 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.
Lloyds Bank vs Vanguard UK Investor: If you want wider investment choice in the UK, Lloyds Bank offers share dealing, ETFs and funds, plus corporate bonds, government bonds (gilts) and investment trusts. Vanguard UK Investor focuses on its own funds and ETFs; it does not offer share dealing, corporate or government bonds, or investment trusts. Neither platform supports crypto or CFD trading, and both provide access to advice services.
On investment choice, UK.StockBrokers.com rates Lloyds Bank 4.5/5 (ranked 7th of 21) and Vanguard UK Investor 3.5/5 (ranked 16th of 21). In short, pick Lloyds Bank for a broader menu of instruments, or choose Vanguard for a simpler lineup centred on Vanguard funds and ETFs.
| Feature |
Lloyds Bank
|
Vanguard UK Investor
|
|---|---|---|
| Share Trading | Yes | No |
| CFD Trading | No | No |
| ETFs | Yes | Yes |
| Mutual Funds | Yes | Yes |
| Bonds - Government (Gilts) | Yes | No |
| Investment Trusts | Yes | No |
| Spread Betting | No | No |
| Crypto Trading | No | No |
| Advisor Services | Yes | Yes |
| Investment Choices |
|
|
Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
Lloyds Bank and Vanguard UK Investor both offer browser-based trading, but their tools differ. Lloyds Bank includes 93 technical indicators and lets you add notes to charts, plus set price alerts. Vanguard UK Investor offers no technical indicators, no drawing tools, and no option to add notes or create price alerts; it lists 0 drawing tools, while Lloyds Bank does not state a number. Neither platform shows corporate events on charts, supports index or stock overlays, or provides real-time market data.
For UK investors who want more chart-based analysis and alerts, Lloyds Bank is the more capable choice. Vanguard UK Investor is very basic and may suit buy-and-hold investors who don’t rely on charting features.
| Feature |
Lloyds Bank
|
Vanguard UK Investor
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | Yes | No |
| Charting - Indicators / Studies | 93 | 0 |
| Charting - Drawing Tools | 0 | |
| Charting - Notes | Yes | No |
| Charting - Display Corporate Events | No | No |
| Charting - Stock Overlays | No | No |
| Charting - Index Overlays | No | No |
When comparing online brokerage options for retirement accounts in the UK, both Lloyds Bank and Vanguard UK Investor offer Individual Savings Accounts (ISAs) and Self-Invested Personal Pensions (SIPPs). Lloyds Bank provides users with a straightforward way to manage their investments through these popular retirement accounts, appealing to those who may already bank with Lloyds. Vanguard UK Investor, renowned for its cost-effective index funds, also presents a compelling choice for individuals looking to grow their retirement savings through ISAs and SIPPs. Whether you seek the convenience of centralizing your banking and investment services or favor low-cost fund options, both Lloyds Bank and Vanguard UK Investor cater to diverse investment preferences in the retirement planning landscape.
Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.
Comparing UK online brokers for mobile investing, Lloyds Bank and Vanguard UK Investor both offer iPhone and Android apps. UK.StockBrokers.com rates each app at 3.5 out of 5 stars, with Lloyds Bank ranked 14th of 21 brokers for Mobile Apps and Vanguard UK Investor ranked 16th. With equal star ratings but a slightly higher placement for Lloyds Bank, the choice may come down to which overall service fits your needs.
Dive deeper: Best Stock Trading Apps UK.
Comparing UK online brokers for beginner investor education, Lloyds Bank and Vanguard UK Investor both lack live or on-demand webinars and neither offers share trading education. Vanguard does provide content on funds and retirement, which Lloyds does not. That said, UK.StockBrokers.com rates Lloyds higher for beginner education (4 stars, ranked 11th of 21) than Vanguard (3.5 stars, ranked 14th of 21). If you want coverage of funds and retirement, Vanguard has an edge; if you prefer a higher-rated overall learning experience, Lloyds comes out ahead.
| Feature |
Lloyds Bank
|
Vanguard UK Investor
|
|---|---|---|
| Client Webinars | No | No |
| Client Webinars (Archived) | No | No |
| Education (Share Trading) | No | No |
| Education (Funds) | No | Yes |
| Education (Retirement) | No | Yes |
| Education |
|
|
Dive deeper: Best UK Trading Platforms for Beginners.
When comparing the market research features of Lloyds Bank and Vanguard UK Investor, both platforms provide research reports for funds, which can aid investors in making informed decisions. Lloyds Bank stands out by offering comprehensive research for shares, ETFs, and bonds, catering to a wider range of investment types. In contrast, Vanguard UK Investor focuses its research capabilities on funds and ETFs but does not provide research for shares or bonds. Additionally, Vanguard UK Investor allows users to see their portfolio allocation by asset class, a feature Lloyds Bank does not offer. This distinction may appeal to investors who prioritize detailed portfolio insights alongside research resources.
| Feature |
Lloyds Bank
|
Vanguard UK Investor
|
|---|---|---|
| Research - Shares | Yes | No |
| Research - ETFs | Yes | Yes |
| Research - Bonds | Yes | No |
| Research - Funds | Yes | Yes |
| Fund Research - Research Reports | Yes | Yes |
| Portfolio Allocation Breakdown | No | Yes |
Which broker is better overall, Lloyds Bank or Vanguard UK Investor? After collecting more than 900 data points over a 10-week period, we found Lloyds Bank to be a better trading platform overall.
Lloyds Bank is a U.K. investment platform best known for its simple, low-cost investing options, support for ISAs and SIPPs, and appeal to long-term, hands-off investors.
| Feature |
Lloyds Bank
|
Vanguard UK Investor
|
|---|---|---|
| Overall Rating |
|
|
| Charges & Fees |
|
|
| Investment Choices |
|
|
| Mobile App |
|
|
| Website |
|
|
| Ease of Use |
|
|
| Education |
|
|
Both Lloyds Bank and Vanguard UK Investor do not offer cryptocurrency trading, focusing their services on traditional investment platforms.
Select Brokers
↓×Compare
0 of 5| Overall Rating | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| Overall Rating |
|
| |
| Charges & Fees |
|
| |
| Investment Choices |
|
| |
| Mobile App |
|
| |
| Website |
|
| |
| Ease of Use |
|
| |
| Education |
|
| |
| Review | Lloyds Bank Review | Vanguard UK Investor Review | |
| Winner | check_circle |
| Investments | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| ISA | Yes | Yes | |
| SIPP | Yes | Yes | |
| Share Trading | Yes | No | |
| CFD Trading | No | No | |
| Mutual Funds | Yes | Yes | |
| ETFs | Yes | Yes | |
| Bonds - Corporate | Yes | No | |
| Bonds - Government (Gilts) | Yes | No | |
| Investment Trusts | Yes | No | |
| Spread Betting | No | No | |
| Crypto Trading | |||
| Advisor Services | Yes | Yes |
| Trading Fees | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| Minimum Deposit | £1 | £500 | |
| Share Trading: 0-9 Deals/ Month | £9.50 | N/A | |
| Share Trading: 10-19 Deals/ Month | £8 | N/A | |
| Share Trading: 20+ Deals/ Month | £8 | N/A | |
| 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 | £36 | £48 - £375 | |
| Annual Platform Fee (Funds): £250K-£500K | £36 | £375 | |
| Annual Platform Fee (Funds): £500,000 - £1m | £36 | £375 | |
| Annual Platform Fee (Funds): £1m and over | £36 | £375 | |
| Bonds - Corporate - Fee | £9.50 | N/A | |
| Bonds - Government (Gilts) - Fee | £9.50 | N/A | |
| ETFs - Fee | £9.50 | £0 | |
| Investment Trusts - Fee | N/A | N/A | |
| Telephone Dealing Fee | £35 | N/A |
| Broker Screenshots | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| Website Gallery (click to expand) |
|
| |
| Mobile Trading Apps Gallery (click to expand) |
|
| |
| Education Gallery (click to expand) |
|
| Platforms & Tools | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | Yes | No | |
| Charting - Indicators / Studies | 93 | 0 | |
| Charting - Drawing Tools | 0 | ||
| Charting - Notes | Yes | No | |
| Charting - Display Corporate Events | No | No | |
| Charting - Stock Overlays | No | No | |
| Charting - Index Overlays | No | No |
| Research | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| Research - Shares | Yes | No | |
| Research - CFDs | |||
| Research - Funds | Yes | Yes | |
| Fund Research - Research Reports | Yes | Yes | |
| Research - ETFs | Yes | Yes | |
| Research - Bonds | Yes | No | |
| Portfolio Allocation Breakdown | No | Yes |
| Education | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| Education (Share Trading) | No | No | |
| Education (Funds) | No | Yes | |
| Education (Retirement) | No | Yes | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | No | No |
| Overall Summary | Lloyds Bank | Vanguard UK Investor | |
|---|---|---|---|
| Overall Rating |
|
| |
| Charges & Fees |
|
| |
| Investment Choices |
|
| |
| Mobile App |
|
| |
| Website |
|
| |
| Ease of Use |
|
| |
| Education |
|
| |
| Review | Lloyds Bank Review | Vanguard UK Investor Review | |
| Winner | check_circle |
Trading 212 Review
Interactive Brokers Review
Hargreaves Lansdown Review
XTB Review
IG Group Review
eToro Review
Saxo Review
CMC Invest Review
Freetrade Review
Halifax Review
Vanguard Review
