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XTB vs Lloyds Bank 2026

StockBrokers.com

Written by StockBrokers.com

July 31, 2025

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

XTB
4.5/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: No
Lloyds Bank
4/5 Stars Overall
  • Minimum Deposit: £1
  • 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, XTB offers better pricing than Lloyds Bank for share dealing.

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

Comparing investment choices in the UK, both XTB and Lloyds Bank offer share dealing and ETFs, and neither supports crypto. XTB stands out for CFD trading, while Lloyds Bank does not. In contrast, Lloyds Bank provides access to funds, corporate bonds, gilts, and investment trusts, plus advice services—areas XTB does not cover.

Both are rated 4.5 out of 5 for investment choices by UK.StockBrokers.com. However, Lloyds Bank ranks higher overall at 7th out of 21 brokers, with XTB placed 12th. If you want CFDs, XTB fits the bill; if you prefer a wider range of long-term investments and access to advice, Lloyds Bank is the stronger pick.

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

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Trading Tools

XTB vs Lloyds Bank: For charting tools, XTB lets you display corporate events (earnings, splits, dividends) directly on charts, add notes, and apply both index and stock overlays—features Lloyds Bank doesn’t offer. XTB includes 4 drawing tools and 13 technical indicators, while Lloyds Bank supports notes and offers a far larger library of 93 technical indicators (its number of drawing tools isn’t specified).

Both provide a browser-based platform. For alerts and data, Lloyds Bank offers price alerts but lacks real-time market data, whereas XTB provides real-time market data but no price alerts. In short, XTB suits traders who value live data and on-chart context, while Lloyds Bank appeals to those who want many indicators and built-in price alerts.

Feature XTB logoXTB
Lloyds Bank logoLloyds Bank
Web Platform info Yes Yes
Stock Alerts info No Yes
Charting - Indicators / Studies info 13 93
Charting - Drawing Tools info 4
Charting - Notes info Yes Yes
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes No

ISAs and SIPPs

For UK residents considering retirement accounts, XTB and Lloyds Bank both offer ISA accounts, allowing you to save money in a tax-efficient manner. However, when it comes to SIPP accounts, Lloyds Bank provides this option for those who wish to manage their own pension savings, while XTB does not offer SIPP accounts. This distinction may guide your decision if you're interested in additional control over your retirement planning through a SIPP, making Lloyds Bank the suitable choice for this specific need over XTB.

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

Mobile App

For UK users comparing XTB vs Lloyds Bank mobile apps: both offer iPhone and Android options. UK.StockBrokers.com rates XTB’s app 4.5/5 and ranks it 9th out of 21 brokers, while Lloyds Bank’s app scores 3.5/5 and ranks 14th. If you want a higher-rated mobile experience, XTB has the edge; Lloyds Bank still pairs investing with everyday banking.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For UK beginner investors comparing educational resources, XTB edges Lloyds Bank: neither offers client webinars or on‑demand archives, and both lack content on funds and retirement, but XTB does provide share trading education while Lloyds Bank does not. According to UK.StockBrokers.com, XTB is rated 4.5/5 and ranks 8th out of 21 brokers for beginner education, whereas Lloyds Bank scores 4/5 and ranks 11th. If you want accessible share trading guides, XTB is the stronger choice; if you’re seeking webinars or broader topics, both are limited.

Feature XTB logoXTB
Lloyds Bank logoLloyds Bank
Client Webinars info No No
Client Webinars (Archived) info No No
Education (Share Trading) info Yes No
Education (Funds) info No No
Education (Retirement) info No No
Education 4.5/5 Stars 4/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

For UK investors comparing online broker XTB with Lloyds Bank, XTB offers shares and ETF research but no funds or bond research and no research reports for funds, while Lloyds Bank provides research on shares, ETFs, funds, and bonds, plus research reports for funds. Neither platform shows portfolio allocation by asset class.

Feature XTB logoXTB
Lloyds Bank logoLloyds Bank
Research - Shares info Yes Yes
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 No No

XTB vs Lloyds Bank Winner

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

XTB is a low-cost investing platform best known for its commission-free stock and ETF trading, free ISA, and strong educational content for newer investors.

Feature XTB logoXTB
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 4.5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 4/5 Stars
Education 4.5/5 Stars 4/5 Stars

FAQs

Can you trade cryptocurrency with XTB or Lloyds Bank?

When comparing online brokers, both XTB and Lloyds Bank do not offer cryptocurrency trading, making neither a choice for investors seeking crypto investment options.

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Overall Rating XTB 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 4.5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 4/5 Stars
Education 4.5/5 Stars 4/5 Stars
Review XTB Review Lloyds Bank Review
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Investments XTB Lloyds Bank
ISA info Yes Yes
SIPP info No Yes
Share Trading info Yes Yes
CFD Trading info Yes No
Mutual Funds info No Yes
ETFs info Yes Yes
Bonds - Corporate info No Yes
Bonds - Government (Gilts) info No Yes
Investment Trusts info No Yes
Spread Betting info No No
Crypto Trading info
Advisor Services info No Yes
Trading Fees XTB Lloyds Bank
Minimum Deposit info £0 £1
Share Trading: 0-9 Deals/ Month info £0 £9.50
Share Trading: 10-19 Deals/ Month info £0 £8
Share Trading: 20+ Deals/ Month info £0 £8
5 trades per year (£30k portfolio) info
12 trades per year (£30k portfolio) info
36 trades per year (£30k portfolio) info
120 trades per year (£30k portfolio) info
3 fund trades per year (£30k portfolio) info
Annual Platform Fee (Funds): £0 - £250,000 info N/A £36
Annual Platform Fee (Funds): £250K-£500K info N/A £36
Annual Platform Fee (Funds): £500,000 - £1m info N/A £36
Annual Platform Fee (Funds): £1m and over info N/A £36
Bonds - Corporate - Fee info N/A £9.50
Bonds - Government (Gilts) - Fee info N/A £9.50
ETFs - Fee info £0 £9.50
Investment Trusts - Fee info N/A N/A
Telephone Dealing Fee info N/A £35
Broker Screenshots XTB Lloyds Bank
Website Gallery (click to expand)
Home page of the XTB xStation 5 web app. A trade ticket for purchasing Tesla on the xStation 5 web app. An example commission cost for purchasing £350,000 worth of shares on the xStation 5 web app. Full view of the trade ticket pop-up dialog on the xStation 5 web app. Viewing a ESG rating chart for Persimmon stock on the xStation 5 web app. XTB UK xStation5 platform share trading news headlines. XTB UK xStation5 platform share trading charts. XTB UK xStation5 platform share trading ticket window. XTB UK xStation5 platform share trading markets. XTB UK xStation5 platform sentiment. XTB UK xStation5 platform share trading economic calendar. XTB UK xStation5 platform share trading heat map. XTB UK xStation5 dividend calendar. XTB UK client dashboard portal messages.
Lloyds Investing tab on the website. Ways to Invest page on the Lloyds website. Lloyds Share Dealing homepage. Lloyds Share Dealing no trade commission overseas stock purchase. Lloyds Share Dealing dividend diary. Lloyds Share Dealing buy Vanguard fund. Lloyds Share Dealing associated costs. Lloyds share dealing buy British land.
Mobile Trading Apps Gallery (click to expand)
Home tab of the XTB mobile app. Viewing the stock chart of Tesla shares on the XTB mobile app. Viewing the Tesla stock chart and trade ticket in the XTB mobile app. Purchasing Tesla stock and viewing the trade ticket costs on the XTB mobile app. Viewing key financial information about Tesla shares on the XTB mobile app. The Discover tab on the XTB mobile app.
Home tab of the Lloyds mobile app. Assortment of investing tools on the Lloyds mobile app. Educational articles on the Lloyds mobile app. Lloyds app other services. Lloyds Share Dealing ETF Quicklist.
Education Gallery (click to expand)
Education tab on the XTB mobile app. XTB education. XTB UK xStation5 platform share trading educational video detail. XTB UK share trading research videos YouTube playlist detail. XTB UK share trading educational videos YouTube playlist.
Platforms & Tools XTB Lloyds Bank
Web Platform info Yes Yes
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info No Yes
Charting - Indicators / Studies info 13 93
Charting - Drawing Tools info 4
Charting - Notes info Yes Yes
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes No
Research XTB Lloyds Bank
Research - Shares info Yes Yes
Research - CFDs info
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 No No
Education XTB Lloyds Bank
Education (Share Trading) info Yes No
Education (Funds) info No No
Education (Retirement) info No No
Client Webinars info No No
Client Webinars (Archived) info No No
Overall Summary XTB 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 4.5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 4.5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 4/5 Stars
Education 4.5/5 Stars 4/5 Stars
Review XTB Review Lloyds Bank Review
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