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 and Vanguard UK Investor differ sharply on investment choices. Lloyds offers share trading plus ETFs, funds, corporate bonds, gilts, and investment trusts. Vanguard UK Investor focuses on ETFs and funds and does not offer share trading, corporate or government bonds, or investment trusts. Neither provider supports crypto or CFD trading, and spread betting isn’t listed by either. Both offer advisor services.
If you want a wider menu that includes shares, bonds, gilts, and investment trusts, Lloyds Bank is the more versatile choice. This breadth is reflected in its UK.StockBrokers.com scores: 4.5 stars and ranked #8 of 21 for Investment Choices, versus Vanguard UK Investor’s 3.5 stars and #18 ranking—suited to investors who primarily want simple access to 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 |
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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.
For UK investors seeking mobile trading convenience, both Lloyds Bank and Vanguard UK Investor provide iPhone and Android apps, making them easily accessible for users of both platforms. When it comes to app performance, both are rated at 3.5 stars by UK.StockBrokers.com, reflecting a satisfactory user experience. In terms of ranking among 21 brokers, Lloyds Bank edges out with a rank of #17, suggesting a slightly better placement than Vanguard UK Investor, which is ranked #19. This comparison indicates both brokers offer reliable apps for trading, though neither tops the chart.
Dive deeper: Best Stock Trading Apps UK.
For UK beginner investors comparing educational resources at Lloyds Bank and Vanguard UK Investor, neither broker hosts webinars or offers on-demand replays, and neither covers share trading basics. Vanguard does provide learning content on funds and retirement, while Lloyds does not. Even so, UK.StockBrokers.com rates Lloyds higher for beginner education (4 stars, ranked 14th of 21) than Vanguard (3.5 stars, ranked 17th of 21). Choose Vanguard if you want guidance on funds and retirement, or Lloyds if overall beginner support and third-party ratings are your priority.
| 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 |
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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.
It's easy for current Lloyds Bank customers to open a Lloyds Bank Share Dealing investment account. But there are other platforms that are easier, more comprehensive and cheaper to use, including Halifax, which is also owned by Lloyds Banking Group.
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Vanguard UK Investor
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Both Lloyds Bank and Vanguard UK Investor do not offer cryptocurrency trading, focusing their services on traditional investment platforms.
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0 of 5| Overall Rating | Lloyds Bank | Vanguard UK Investor | |
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| 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 | |
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| 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 | |
|---|---|---|---|
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| Review | Lloyds Bank Review | Vanguard UK Investor Review | |
| Winner | check_circle |
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