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We offer access to a wide range of investment options, including funds, exchange traded funds (ETFs) and individual shares.
Read more about the investments we have available and how our research tools could help to find the right investment for your needs, along with details of associated fees and charges.
Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest.
Unsure how to invest your money? Find out more about possible investment styles below.
Do you need help deciding what types of investments are best for you? Discover our wide range of investments on offer.
When you invest in a share you basically invest in to a small part of a company. Usually investors use a stock exchange to buy and sell shares. The prices of shares on the stock exchange change throughout the day based on the supply and demand of that particular share.
With Lloyds Bank you can invest in not only UK shares but a range of shares from other global markets such as: New York, Paris, Frankfurt, Milan, Amsterdam and Brussels.
Lloyds Bank does not have direct access to all overseas markets (for example the Japanese market). You may still be able to invest in an international share that we do not have direct access to by using a depository receipt. Depository receipts represent when you hold a share listed on a different overseas market. When you wish to use a depository receipt to invest in an overseas share, just head to our research centre and search for the name of the company using our global search tool.
If you are looking to invest in U.S. markets for the first time; you will need to complete a W8-BEN form and the NYSE Subscriber Agreement which can be found on our International Trading page.
Please note, if you are looking to invest in U.S. markets for the first time you will need to complete and return a W8-BEN form (PDF, 68KB).
• Completing and returning a W8-BEN form:
You can email a form to us, or you can return it by post to:
Customer Services Department
Lloyds Bank Share Dealing
Lovell Park Road
• NYSE subscriber agreement:
When dealing for the first time you’ll be asked to complete a NYSE subscriber agreement.
Once you've completed the form and confirmed that you are not a professional investor, you will be able to trade immediately.
Funds are collective investments where fund managers pool together investors’ money to buy and hold assets in the fund on an investor’s behalf. Fund prices are set at the end of the day rather than moving up and down through the day.
One type of fund is an actively managed fund. The fund manager actively monitors the investments in the fund to ensure that the fund achieves its expected regular income or investment growth.
There are also passively managed funds whereby a fund buys and sells investments based on pre-set guidelines (for example tracking an index). This is done with the goal of mirroring the performance of the index, market or commodity in question.
You should consider:
You can invest in a fund that tracks an index (like the FTSE 100 or S&P 500) or a commodity (such as gold or platinum) by investing in an Exchange Traded Fund (ETF) or Commodity (ETC). They aim to mimic an index, sector, commodity or currency. A fund manager will use the investors' money to buy relevant assets to achieve this.
Please note: We are not able to trade or hold US listed ETFs.
You should consider:
An investment trust is another form of collective investment. If you want to invest in an investment trust you will need to buy shares rather than give money to a fund manager (like in funds). This is because investment trusts are companies listed on a stock exchange. Prices of a share in an investment trust are based on the value of the investments held but also the supply and demand of the shares themselves as it is listed on a stock exchange. This means they can be riskier investments than other collective investments such as funds and ETFs.
Governments and companies may need to raise money (capital) and they do so by selling bonds and gilts to investors. These governments and companies will offer a fixed rate of return if investors lend them money by buying a bond or gilt. A bond or gilt confirms that any return will be paid to investors after a set time period.
You should consider:
The Lloyds Bank Direct Investments Service is operated by Halifax Share Dealing Limited. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Registered in England and Wales no. 3195646. Halifax Share Dealing Limited is authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.