4T vs Lloyds Bank
Independent side-by-side on safety (scam-risk, regulation, reviews) and selection (costs, products, funding, who it's best for). We charge brokers nothing.
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These are different service types — a money-transfer service, bank or stockbroker isn’t a like-for-like alternative to a forex/CFD broker. Compare with that in mind.
Safety & Trust
Scam-risk scoreⓘ lower = safer
19
✓13
Verdict
Low risk
Low risk
Regulatedⓘ
Yes
Yes
Licenses
✓2
1
Tier-1 regulatorsⓘ
1
1
Trustpilot score
—
4.1
Reviews collected
—
12045
Exit riskⓘ lower = safer
—
Guarded
Known clonesⓘ
0
0
Regulator warnings
0
0
Cost & Accounts
Min deposit lower = easier to start
$500
—
Max leverage
—
—
Min spread (best acct)
—
—
Commission
$0
—
Cost grade
—
—
Account types
✓3
0
Best for
Suits
Traders seeking FCA-regulated broker with access to MT4/MT5, High-volume traders who can meet $10,000+ minimum deposits, Investors interested in leveraged forex and CFD trading with up to 500:1 leverage
Traditional retail banking customers who value in-branch service, UK-based savers and mortgage holders, Investors using the Share Dealing platform for UK stocks
Not for
Traders who prefer low minimum deposits (under $500), Clients seeking strong investor protection outside FCA jurisdiction, Users looking for a broker with a long operational history
Traders seeking low-cost, high-speed online execution, Customers who rely heavily on mobile app reliability, Those who prefer fully digital banks with 24/7 support
Products & Funding
Instruments
--
—
Deposit methods
MASTER, Bank, transfer, VISA
—
Withdrawal
MASTER, VISA, Bank, transfer
—
Execution
Speed
—
—
Slippage
—
—
Swap cost
—
—
Company
Founded
2022-04-05
2020-03-09
Headquarters
🇬🇧 United Kingdom
🇬🇧 United Kingdom
Employees
0
0
✓ = stronger value on that row · ● good · ● caution · ● weak · "—" = not yet collected. Independent scoring, never for sale.