Hargreaves Lansdown Review 2026
Established in 1981
•
United Kingdom
• FCA Regulated
Hargreaves Lansdown is a well-established broker with a solid 4.4/5 rating. Regulated by FCA (highest protection tier), this broker offers spreads from 0.0 pips on EUR/USD with a minimum deposit of $0. Trade 13000+ instruments including forex, CFDs, and more.
📊 Hargreaves Lansdown Overview
Hargreaves Lansdown (Hargreaves Lansdown Asset Management) is a well-established broker founded in 1981 headquartered in Bristol, United Kingdom. The broker operates under the supervision of FCA , one of the world's most respected financial regulators known for strict oversight and investor protection .
With access to 13000+ tradable instruments , 13000 stocks , Hargreaves Lansdown caters to diverse trading strategies.
| Legal Name | Hargreaves Lansdown Asset Management |
|---|---|
| Founded | 1981 |
| Headquarters |
Bristol, United Kingdom
|
| Primary Regulation | FCA (Tier 1 - Highest Protection) |
| Publicly Traded | Yes (HL.L) |
| Instruments | 13000+ assets |
| Min Deposit | $0 |
| Max Leverage | 1:5 |
📖 Hargreaves Lansdown — In-Depth Introduction
With over 45 years of industry experience, Hargreaves Lansdown has established itself as a leading force in the forex and CFD trading space. Hargreaves Lansdown's FCA authorization subjects the broker to rigorous compliance requirements, regular audits, and strict capital adequacy rules—providing peace of mind for safety-conscious traders. With a $100 minimum deposit requirement, Hargreaves Lansdown removes barriers to entry for new traders.
Company Background
Hargreaves Lansdown (legally Hargreaves Lansdown Asset Management) has been operating in the financial services industry for 45 years. Headquartered in Bristol, United Kingdom, the company has weathered multiple market cycles including the 2008 financial crisis and the 2020 pandemic volatility, demonstrating operational resilience.
As a publicly traded company (HL.L), Hargreaves Lansdown is subject to enhanced financial disclosure requirements, providing an additional layer of transparency.
The broker provides access to 13000+ tradable instruments.
💸 Hargreaves Lansdown Fees — Complete Cost Analysis
Trading costs at Hargreaves Lansdown are reasonable, with 1.0 pip spreads on EUR/USD representing fair value in the current market. Hargreaves Lansdown operates on a spread-only model with no commission charges on standard accounts. This simplifies cost calculation—what you see in the spread is what you pay. To put this in perspective: trading 10 lots per month on EUR/USD at Hargreaves Lansdown's 1.0 pip spread would cost approximately $100 in spread fees alone. Compare this to an industry-average broker at 1.0 pips, where the same volume would cost $100.
Trading Costs Breakdown
💡 Cost Calculator: Hargreaves Lansdown
Non-Trading Fees
| Fee Type | Hargreaves Lansdown | Industry Average |
|---|---|---|
| Deposit Fee | Free | Free - $25 |
| Withdrawal Fee | Varies by method | $0 - $50 |
| Inactivity Fee | None | $10-50/month |
Want to compare fees with other brokers?
⚖️ Compare🛡️ Is Hargreaves Lansdown Safe? — Complete Security Analysis
Safety and fund security are paramount when choosing a broker, and Hargreaves Lansdown excels in this area with a Trust Score of 95/100. This rating reflects strong regulatory compliance, robust fund protection measures, and a clean operational history. Client funds at Hargreaves Lansdown are held in segregated accounts at top-tier banks, completely separate from the company's operational funds. This means even in the unlikely event of broker insolvency, your money remains protected and inaccessible to creditors.
Regulatory Framework
Hargreaves Lansdown is regulated by FCA.
Security Features Checklist
Understanding the Trust Score
Our 95/100 Trust Score is calculated using 15+ safety factors including regulation, company history, financial transparency, and client fund protection.
📋 Methodology👤 Who Should Use Hargreaves Lansdown?
✅ Best For
- Beginners will appreciate Hargreaves Lansdown's low $100 minimum deposit, free demo account, and educational resources. The learning curve is manageable, making it suitable for those just starting their trading journey.
- Professional traders will appreciate Hargreaves Lansdown's institutional-grade features: tight spreads, advanced platforms, API access, and high leverage options (where permitted).
❌ May Not Suit
- Those seeking the absolute lowest trading costs.
Looking for alternatives?
📝 The Bottom Line on Hargreaves Lansdown
Hargreaves Lansdown is a solid choice for most traders looking for reliability with a 4.4/5 rating.
📈 Hargreaves Lansdown Detailed Scores
Our expert team evaluates brokers across 8 key categories. Here's how Hargreaves Lansdown performed in our rigorous testing:
Hargreaves Lansdown offers a solid trading experience with competitive conditions.
💰 Hargreaves Lansdown Fees & Spreads
Understanding trading costs is crucial for profitability. Hargreaves Lansdown uses a Variable spread model with no commission on standard accounts.
📊 Typical Spreads
| Pair | Min | Average |
|---|---|---|
| EUR/USD | N/A | N/A pips |
| GBP/USD | 0.8 | 1.2 pips |
| USD/JPY | 0.6 | 1.0 pips |
| XAU/USD | 15 | 25 cents |
💳 Other Fees
| Commission (ECN) | No commission |
| Deposit Fee | Free |
| Withdrawal Fee | Free (method dependent) |
| Inactivity Fee | None |
| Swap-Free (Islamic) | Not available |
💡 Trading Cost Example
Trading 1 standard lot (100,000 units) of EUR/USD with Hargreaves Lansdown:
- Spread Cost: 1.0 pips × $10/pip = $10.0
- Commission: $0
- Total Cost: $10.0 per lot
🛡️ Hargreaves Lansdown Regulation & Safety
Hargreaves Lansdown is regulated by FCA, a Tier 1 - Highest Protection regulatory authority. This means the broker must adhere to the strictest financial regulations, including capital requirements, regular audits, and mandatory investor protection schemes.
📜 Regulatory Licenses
- FCA 115248
🔒 Safety Features
- ✓ Segregated Client Funds
- ✓ Negative Balance Protection
- ✗ Investor Compensation
- ✓ Publicly Traded (HL.L)
🎯 Trust Score: 95/100
High Trust: Hargreaves Lansdown has demonstrated excellent regulatory compliance and safety standards.
🖥️ Hargreaves Lansdown Trading Platforms
Hargreaves Lansdown offers 3 trading platforms, giving traders flexibility in how they access the markets.
MetaTrader 4
The world's most popular forex platform. Ideal for beginners and algo traders with Expert Advisor support.
- ✓ Expert Advisors (EAs)
- ✓ Custom Indicators
- ✓ One-Click Trading
- ✓ Mobile & Desktop
MetaTrader 5
Advanced multi-asset platform with more timeframes, order types, and improved backtesting.
- ✓ 21 Timeframes
- ✓ Depth of Market
- ✓ Economic Calendar
- ✓ Multi-Asset Support
HL Platform
Hargreaves Lansdown's custom-built trading platform designed specifically for their clients.
- ✓ Custom Features
- ✓ Integrated Tools
📋 Platform Comparison
| Feature | MT4 | MT5 | cTrader | HL Platform |
|---|---|---|---|---|
| Available | ✓ | ✓ | ✗ | ✓ |
| Copy Trading | ✗ | ✗ | ✗ | ✗ |
| Algo Trading | ✓ | ✓ | ✗ | ✗ |
| VPS Available | Not offered | |||
| API Access | Not available | |||
🌐 Hargreaves Lansdown Tradable Instruments
Hargreaves Lansdown offers access to 13000+ tradable instruments across multiple asset classes. , and 13000 global stocks.
👤 Hargreaves Lansdown Account Types
Hargreaves Lansdown offers various account types to suit different trading needs and experience levels.
Not available
Not available
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💳 Hargreaves Lansdown Deposits & Withdrawals
Hargreaves Lansdown requires a minimum deposit of $0 — one of the most accessible in the industry.
📥 Deposit Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets (Skrill, Neteller)
📤 Withdrawal Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets
⚖️ Hargreaves Lansdown Pros & Cons
✅ Pros
- Top-tier FCA regulation ensures high safety standards
- Offers both MetaTrader 4 and MetaTrader 5 platforms
- Negative balance protection for retail traders
❌ Cons
- No copy trading feature
- Limited educational resources for advanced traders
📚 Hargreaves Lansdown Education & Research
Hargreaves Lansdown's educational offerings are limited compared to some competitors.
Limited
Not available
Basic coverage
Available on trading platforms
🎧 Hargreaves Lansdown Customer Support
Hargreaves Lansdown offers customer support to assist traders with their queries.
⭐ Hargreaves Lansdown User Reviews
📝 User reviews will be displayed here. Share your experience with Hargreaves Lansdown!
Write a Review🏆 Hargreaves Lansdown — Our Verdict
Hargreaves Lansdown is a solid choice for most traders. With FCA regulation, 0.0 pips EUR/USD spreads, and a $0 minimum deposit, this broker is particularly accessible for beginners .
Best for: Safety-focused traders , Beginners with limited capital
⚠️ Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-89% of retail investor accounts lose money when trading CFDs with this provider. Consider whether you understand how CFDs work and whether you can afford the high risk of losing your money.
❓ Hargreaves Lansdown — Frequently Asked Questions
Is Hargreaves Lansdown a safe and regulated broker?
Yes, Hargreaves Lansdown is regulated by FCA, which is a Tier 1 - Highest Protection regulatory authority. Client funds are kept in segregated accounts with negative balance protection.
What is the minimum deposit at Hargreaves Lansdown?
The minimum deposit at Hargreaves Lansdown is $0. This means you can start with any amount. This is considered low and accessible for beginners.
What trading platforms does Hargreaves Lansdown offer?
Hargreaves Lansdown offers the following trading platforms:
- MetaTrader 4 (MT4) — The most popular forex trading platform
- MetaTrader 5 (MT5) — Advanced multi-asset platform
- HL Platform — Custom-built trading solution
What are Hargreaves Lansdown's spreads on EUR/USD?
Hargreaves Lansdown offers EUR/USD spreads . The broker uses Variable spreads.
How long do withdrawals take at Hargreaves Lansdown?
Withdrawal processing times at Hargreaves Lansdown depend on the payment method:
- E-wallets: 0-24 hours
- Credit/Debit Cards: 2-5 business days
- Bank Transfers: 3-7 business days
Does Hargreaves Lansdown offer a demo account?
Check Hargreaves Lansdown's website for demo account availability, as this may vary by region.
What is Hargreaves Lansdown's maximum leverage?
Hargreaves Lansdown offers maximum leverage of 1:5. However, note that leverage limits vary by region due to regulatory requirements:
- EU/UK/Australia: Up to 1:30 for major forex pairs (retail)
- Professional traders: Higher leverage may be available upon qualification
- Other jurisdictions: Leverage up to 1:5 may be available
Higher leverage increases both potential profits and potential losses.
Can I use Hargreaves Lansdown in ?
Hargreaves Lansdown accepts traders from . The broker operates under FCA regulation. Always verify current availability and applicable regulations on the broker's website.
Does Hargreaves Lansdown offer Islamic (swap-free) accounts?
Hargreaves Lansdown does not currently advertise Islamic accounts. If you require swap-free trading, we recommend contacting them directly or considering an alternative broker.
What instruments can I trade with Hargreaves Lansdown?
Hargreaves Lansdown offers access to 13000+ tradable instruments:
- 13000 Stock CFDs
