{"id":542990,"date":"2024-09-16T14:00:09","date_gmt":"2024-09-16T13:00:09","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=542990"},"modified":"2026-01-30T05:43:15","modified_gmt":"2026-01-30T05:43:15","slug":"share-lending","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-lending","title":{"rendered":"What is securities lending and can you make money?"},"content":{"rendered":"<p>Want to earn some extra passive income from your investments? With securities lending, you can make some bonus money by lending out your stocks and shares. A bunch of UK <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">share trading platforms<\/a> now offer this feature to retail investors. Is it too good to be true, or is it a legitimate way to add to any returns from your investment portfolio?<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>Securities lending allows you to lend out your investments to other investors.<\/li>\n          <li>You can earn interest by lending out your shares, and the amount you can make depends on your platform and the stocks you decide to lend.<\/li>\n          <li>Only a few UK investment platforms allow share lending, and each has its own rules, restrictions and payment plans.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>What is securities lending?<\/h3><p>Securities lending (also known as \u201cstock lending\u201d, or \u201cshare lending\u201d if you want to get less formal) involves lending out shares in your portfolio to borrowers (other investors). You can think of it like renting out your investments. Institutional investors or hedge funds usually look to borrow shares, and in return, you get paid a fee for lending out your stock.<\/p><p>You still retain ownership of the shares (so they\u2019re still yours to keep), but a borrower can use them for short-term activities like short selling, or perhaps for meeting other financial obligations (like maintaining a certain level of liquidity). The borrower will then aim to return your shares at a later date, with an extra fee you can pocket while they\u2019re lent out.<\/p><h3>How does share lending work?<\/h3><p>The exact process can vary slightly depending on your brokerage, but here\u2019s a simple breakdown of how share lending works in the UK:<\/p><ul><li>Sign up and allow the option for share lending on your trading app.<\/li><li>Your shares will be temporarily lent to borrowers (usually institutional investors).<\/li><li>While your shares are being lent out, you still own the shares (and usually keep any dividends)<\/li><li>The borrower will pay a fee, which you receive as income (usually split with your brokerage)<\/li><\/ul><p>It can be a relatively low-maintenance way to earn extra cash from your portfolio, but it\u2019s not without additional risks and potential pitfalls.<\/p><h3>Who is best suited to stock lending?<\/h3><p>In some cases, there is additional risk involved with securities lending. So this feature is best-suited to those who are happy with a bit of extra risk added to their portfolios. The level of risk is actually quite low in most cases because the people borrowing the shares are usually large institutional investors, not just some guy down the pub.<\/p><p>However, relative safety also means that the rewards are fairly low (even more so because you usually split 50% of the profit with the platform). Technology means lending (and to stop lending) your shares can be a relatively hassle-free process. So it is a simple way to generate more cash from your portfolio, but if you\u2019re very risk-averse or not looking to maximise your returns it may not be worth the small amount of effort it takes.<\/p><h3>How to lend your shares<\/h3><p>Here\u2019s how you can start earning extra money from your investments through share lending:<\/p><ul><li><b>Choose an investment platform.<\/b> Not all platforms offer the option to lend out your shares, only some of the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps\">best trading apps<\/a> offer it, so check if this feature is available.<\/li><li><b>Research the terms and fees.<\/b> Each platform will have a unique set up for any share lending program. Make sure you check the terms, fees and how any profit is paid out.<\/li><li><b>Opt in to share lending.<\/b> You\u2019ll usually have to give permission for your shares to be lent out, often in the form of a simple tick box somewhere in your trading app settings.<\/li><li><b>Sit back and relax.<\/b> Once you\u2019ve got the ball rolling, there\u2019s nothing else for you to do. Your platform will lend out any eligible shares and you can watch your profit accumulate until you decide to stop lending your stock.<\/li><\/ul><h3>Can you make money with securities lending?<\/h3><p>Definitely, but it\u2019s not without its potential downsides and risks too. Also, how much money you can make from lending out your stocks and shares will depend partly on the platform you\u2019re using and the shares you own. Each platform has individual arrangements and fee structures for how you get paid for securities lending.<\/p><p>The amount of money you can earn will also be based on how many shares you hold (and lend out). Another factor that can also impact how much you make is how much demand there is for that stock (and the level of market liquidity).<\/p><p>Keep in mind, share lending is a useful tool to provide some additional income from your portfolio but it\u2019s not a get-rich-quick scheme, you won\u2019t become an overnight millionaire. But, you can build up a decent trickle of passive income.<\/p><h3>UK platforms that offer share lending<\/h3><p>Here are some of the major investing platforms operating in the UK where you can create an account and lend out your stocks:<\/p><h4>Freetrade<\/h4><p>A recent addition to the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/freetrade-review\">Freetrade<\/a> platform, its share lending feature means you can keep 50% of any money made by lending out your shares (Freetrade keeps the other 50%).<\/p><p>You\u2019ll lose your share voting rights while they\u2019re leant out, but Freetrade guarantees to replace your shares in the event the borrower can\u2019t return them and the collateral provided isn\u2019t enough to replace your shares. The feature is only available with the general investment account (GIA) and self-invested personal pension (SIPP).<\/p><h4>Robinhood<\/h4><p>Another new feature, Robinhood\u2019s stock lending feature means that <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/robinhood-review\">Robinhood<\/a> themselves borrow your shares (to help with trade settlements, to lend out, or to use as collateral for other loans).<\/p><p>You need to have an account worth at least \u00a35,000, at least \u00a325,000 in reported income and some investing experience to qualify. Robinhood only offers US stocks and you\u2019ll also lose voting rights. Robinhood states you\u2019ll get 15% of any earned income (which apparently equals a 50\/50 split once its costs are taken care of, which seems a bit odd considering Robinhood are the ones borrowing your shares).<\/p><h4>Trading 212<\/h4><p>The platform has offered this feature for a while, leading the pack. All shares lent out are secured with US treasuries and bonds, and similar to other platforms, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/trading-212\">Trading 212<\/a> splits any lending profit with you on a 50\/50 basis.<\/p><p>Like other platforms, you\u2019ll also lose any share voting rights. Share lending is only possible with your Invest account (general investment account). You can turn off share lending on Trading 212 any time you like by heading back to the \u201cInterest on shares\u201d tab and then clicking \u201cDisable lending\u201d and it can take 2 days to stop lending your shares on Trading 212.<\/p><h4>Revolut<\/h4><p>For <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut\u2019s<\/a> optional stock lending service, you\u2019ll get 15% of any income, then 20% goes to Revolut, and the remaining 65% to DriveWealth (Revolut\u2019s third party broker). To lend out stocks on Revolut, head to the \u201cInvest\u201d tab on the bottom menu, click \u201cMore\u201d and then tap \u201cStock lending\u201d.<\/p><p>You can disable the Revolut share lending feature by following those same steps and then tapping \u201cDisable stock lending\u201d. When you first go through this process, you\u2019ll have to answer a few questions to help determine your eligibility.<\/p><p>It\u2019s best to check the terms of each share lending program to find the right one to use. Also, remember that you need to be happy to buy shares and hold your stock portfolio on one of these platforms to lend them out in the first place. So take some time to compare platforms and find the best trading app to build and keep your portfolio.<\/p><h3>What are the risks of securities lending?<\/h3><p>Although this can be an interesting method to try and squeeze more income from your investment portfolio, there are some important risks and drawbacks to consider:<\/p><ul><li><b>Loss of voting rights.<\/b> In most cases, lending out your shares means that you\u2019ll temporarily forfeit any voting rights for that company (but this may not be something you use anyway).<\/li><li><b>Counterparty risk (borrower default).<\/b> This just means there\u2019s a chance that the company or person borrowing your shares can\u2019t return them. However, most platforms protect against this by making borrowers use collateral. And in some cases, like with Freetrade, platforms will guarantee your stocks or use insurance to make sure you get everything back.<\/li><li><b>Stock price changes.<\/b> Your stocks and shares might drop in value and any lending income may not cover your losses (but this would happen even if you didn\u2019t lend the shares out).<\/li><li><b>Relatively small rewards.<\/b> Because you usually only get to keep a portion of the income and profit made, sometimes the interest you\u2019re paid is so small that it may not be worth the hassle.<\/li><\/ul><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 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Freetrade and Trading 212 are possibly the best options due to the range of investments available on the platforms, and you get 50% of any income. Robinhood and Revolut only pay out 15% and both platforms are limited when it comes to investment choice (US stocks only).<\/p><p>Seeing as you\u2019re going to be lending out shares from your main portfolio, it\u2019s better to think about which investment platform suits you best, rather than which has the best stock lending feature. Finding the right platform to suit your investing goals is much more important and you should think of this feature as an added bonus rather than a deal-breaker.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"George Sweeney, DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=360 360w, 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                                George Sweeney, DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Pros and cons of share lending<\/h3><p>Like anything to do with investing, securities lending comes with some unique benefits and risks you should weigh up first. Here\u2019s a quick summary of the main upsides and drawbacks to think about when lending your stocks and shares:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-4\"><li>A simple way to earn passive income<\/li><li>Lending out shares is straightforward with some trading apps<\/li><li>You still own the underlying shares<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Interest paid isn\u2019t much for smaller portfolios<\/li><li>In most cases, you lose voting rights<\/li><li>Income you make can fluctuate depending on the stock<\/li><\/ul><\/div><\/div><h3>Bottom line: is share lending worth it?<\/h3><p>Share lending is a relatively simple way to earn extra passive income from your investment portfolio. It wasn\u2019t always straightforward, but advancements in technology and trading apps mean that you can lend out your stocks with just a few taps in some cases.<\/p><p>While it won\u2019t make you an overnight millionaire, it\u2019s another possible wealth-building strategy to explore. Although it\u2019s relatively low-risk, there are still some downsides to consider, so make sure you fully understand how it works before you jump in.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How long does it take to stop share lending?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>With most platforms (Freetrade and Trading 212, for example) it can take 2 days before your shares will stop being lent out and are completely returned to you.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can you lend shares from a stocks and shares ISA?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In most cases, no. Regulations set by HMRC prevents people from being able to lend out investments for profit that are held in a stocks and shares ISA wrapper.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How are dividends taxed with securities lending?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Typically, you\u2019ll receive dividends as normal, but in some cases, you might get what\u2019s called a \u201cmanufactured dividend\u201d (Freetrade does this) which can impact tax returns in some countries.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What's the difference between repo versus securities lending?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Securities lending and a repo (repurchase agreement) share a lot of similarities. A key difference with repo vs securities lending is that the repo market mostly uses fixed-income assets like bonds as collateral, whereas securities lending focuses more on equities (stocks and shares).<\/p><p>Also, the repo market is popular for those needing to borrow and lend cash. Whereas with securities lending, borrowers want the stocks and shares themselves, perhaps for activities like short selling.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How do fund investors benefit from securities lending?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In the same way as those holding individual stocks and shares. If you invest in a fund that permits securities lending, the fund can generate additional income through the fees it charges borrowers and this can help improve returns or offset the fund management costs.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you\u2019re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.<\/p><\/div><\/article><br>","protected":false},"excerpt":{"rendered":"<p>Find out what securities lending is &#8211; including how to lend out your stocks and how to actually make money by lending out your shares.<\/p>\n","protected":false},"author":1273,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[21],"tags":[],"asset_tag":[],"class_list":["post-542990","post","type-post","status-publish","format-standard","hentry","category-share-trading"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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