Written by StockBrokers.com
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.
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, XTB 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.
XTB and Lloyds Bank both let UK investors trade shares and ETFs, and neither supports crypto. XTB stands out for CFD trading, while Lloyds Bank does not offer CFDs but adds more options for long‑term investing: funds, corporate bonds, government bonds (gilts), investment trusts, plus access to advice services.
For investment choices, UK.StockBrokers.com rates both XTB and Lloyds Bank 4.5 out of 5. In the ranking of 21 brokers, Lloyds Bank places 8th and XTB 13th. In short: choose XTB if you want CFDs alongside shares and ETFs; choose Lloyds Bank if you want funds, bonds, gilts, investment trusts, and the option of advice.
| Feature |
XTB
|
Lloyds Bank
|
|---|---|---|
| Share Trading | Yes | Yes |
| CFD Trading | Yes | No |
| ETFs | Yes | Yes |
| Mutual Funds | No | Yes |
| Bonds - Government (Gilts) | No | Yes |
| Investment Trusts | No | Yes |
| Spread Betting | No | No |
| Crypto Trading | No | No |
| Advisor Services | No | Yes |
| Investment Choices |
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Low-cost US and UK shares.
Professional’s Gateway to the World’s Markets.
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
|
Lloyds Bank
|
|---|---|---|
| Web Platform | Yes | Yes |
| Stock Alerts | No | Yes |
| Charting - Indicators / Studies | 13 | 93 |
| Charting - Drawing Tools | 4 | |
| Charting - Notes | Yes | Yes |
| Charting - Display Corporate Events | Yes | No |
| Charting - Stock Overlays | Yes | No |
| Charting - Index Overlays | Yes | No |
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.
For UK residents exploring mobile trading options, XTB and Lloyds Bank both offer iPhone and Android apps to cater to your needs. XTB's mobile app stands out with an impressive 4.5-star rating from UK.StockBrokers.com, ranking it 6th out of 21 brokers for mobile apps. In contrast, Lloyds Bank's mobile app holds a 3.5-star rating and is ranked 17th, reflecting a noticeable difference in user satisfaction and overall functionality. When selecting a trading app, these ratings suggest that XTB may provide a more seamless and higher-rated mobile experience compared to Lloyds Bank.
Dive deeper: Best Stock Trading Apps UK.
For UK investors beginning their journey, comparing educational resources between XTB and Lloyds Bank reveals some distinct differences. XTB stands out with a high rating of 4.5 stars for beginner education, earning a top ten spot at #9 among 21 brokers according to UK.StockBrokers.com. This is largely due to their educational resources on share trading, making them a solid choice for those interested in this area. In contrast, Lloyds Bank, with a respectable rating of 4 stars, ranks #14 and offers no specific education on share trading, funds, or retirement. Neither XTB nor Lloyds Bank provides webinars or archived sessions, limiting live educational interaction. For beginners focused on share trading education, XTB offers a more comprehensive option, while Lloyds Bank may appeal to those looking for basic resources without specialization.
| Feature |
XTB
|
Lloyds Bank
|
|---|---|---|
| Client Webinars | No | No |
| Client Webinars (Archived) | No | No |
| Education (Share Trading) | Yes | No |
| Education (Funds) | No | No |
| Education (Retirement) | No | No |
| Education |
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Dive deeper: Best UK Trading Platforms for Beginners.
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
|
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 | No | No |
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 has set itself up as a strong competitor in commission-free share trading. Its low fees and solid educational content will make XTB particularly attractive to newer investors. It does not, however, offer an ISA or SIPP.
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XTB
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Lloyds Bank
|
|---|---|---|
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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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0 of 5| Overall Rating | XTB | Lloyds Bank | |
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| Review | XTB Review | Lloyds Bank Review | |
| Winner | check_circle |
| Investments | XTB | Lloyds Bank | |
|---|---|---|---|
| ISA | Yes | Yes | |
| SIPP | No | 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 | No | Yes | |
| Spread Betting | No | No | |
| Crypto Trading | |||
| Advisor Services | No | Yes |
| Trading Fees | XTB | Lloyds Bank | |
|---|---|---|---|
| Minimum Deposit | £0 | £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 | N/A | £36 | |
| Annual Platform Fee (Funds): £250K-£500K | N/A | £36 | |
| Annual Platform Fee (Funds): £500,000 - £1m | N/A | £36 | |
| Annual Platform Fee (Funds): £1m and over | N/A | £36 | |
| Bonds - Corporate - Fee | N/A | £9.50 | |
| Bonds - Government (Gilts) - Fee | N/A | £9.50 | |
| ETFs - Fee | £0 | £9.50 | |
| Investment Trusts - Fee | N/A | N/A | |
| Telephone Dealing Fee | N/A | £35 |
| Broker Screenshots | XTB | Lloyds Bank | |
|---|---|---|---|
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| Platforms & Tools | XTB | Lloyds Bank | |
|---|---|---|---|
| Web Platform | Yes | Yes | |
| iPhone App | Yes | Yes | |
| Android App | Yes | Yes | |
| Stock Alerts | No | Yes | |
| Charting - Indicators / Studies | 13 | 93 | |
| Charting - Drawing Tools | 4 | ||
| Charting - Notes | Yes | Yes | |
| Charting - Display Corporate Events | Yes | No | |
| Charting - Stock Overlays | Yes | No | |
| Charting - Index Overlays | Yes | No |
| Research | XTB | 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 | No | No |
| Education | XTB | Lloyds Bank | |
|---|---|---|---|
| Education (Share Trading) | Yes | No | |
| Education (Funds) | No | No | |
| Education (Retirement) | No | No | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | No | No |
| Overall Summary | XTB | Lloyds Bank | |
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| Review | XTB Review | Lloyds Bank Review | |
| Winner | check_circle |
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