The best alternatives to Lightyear are
- Trading 212 - Global CFD broker, but real stocks/ETFs are also available
- Revolut - UK discount broker
- eToro - Global social trading broker
- Freetrade - UK discount broker
Let's see in a bit more detail how the Lightyear alternatives compare to Lightyear and each other:
Lightyear | Trading 212 | Revolut | eToro | Freetrade | |
---|---|---|---|---|---|
Overall score | 4.7 stars | 4.6 stars | 4.4 stars | 4.9 stars | 4.7 stars |
Fees score | 4.8 stars | 4.1 stars | 3.7 stars | 4.4 stars | 4.4 stars |
Account opening score | 5.0 stars | 4.5 stars | 5.0 stars | 5.0 stars | 5.0 stars |
Deposit and withdrawal score | 3.5 stars | 4.3 stars | 3.5 stars | 3.8 stars | 4.0 stars |
Web platform score | 2.3 stars | 4.4 stars | - | 4.4 stars | - |
Markets and products score | 2.6 stars | 4.1 stars | 2.2 stars | 4.7 stars | 3.0 stars |
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68% of retail CFD accounts lose money |
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eToro USA LLC; Investments are subject to market risk, including the possible loss of principal |
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Why are these brokers considered good alternatives to Lightyear? There are many areas based on which Lightyear can be compared with others. When we say a given online broker is a good alternative to Lightyear we mean these brokers are comparable in the following areas:
- The products they offer, meaning you can buy mostly the same things, i.e. stocks, CFDs, options, etc.
- The type of clients they target, i.e. beginners, experienced investors, or day traders.
Lightyear alternatives recommendations
Brokers are different in a number of ways, which means each of them may be suitable for different people. Here's how they compare overall:
- Lightyear is recommended for investors and beginners looking for high interest rate on cash, easy mobile platform, and low fees
- Trading 212 is recommended for equity investors and cfd traders looking for easy-to-use trading platforms
- Revolut is recommended for beginners looking for low stock trading and a great mobile-only trading platform
- eToro is recommended for traders interested in social trading (i.e. copying other investors’ trades) and zero-commission stock trading
- Freetrade is recommended for long-term investors on the hunt for low fees and focusing on the uk and us markets
Important factors of finding Lightyear alternatives
So far BrokerChooser has reviewed 102 online brokers in detail, which gives this comparison a solid starting point.
Not only that, but all of these brokers are reviewed using the exact same broker review methodology, which makes everything easily comparable. For each broker, we
- open a live account
- check over 100 criteria, with weighting based on readers' preferences
- refresh data regularly
Whether Lightyear or one of its alternatives is the best choice for you is on the following five broker characteristics that most interest people:
Fees. There are different types of fees that your online brokerage may charge, and both the number and the size of these fees may vary significantly from broker to broker. Both of these aspects can impact your returns and your overall experience. Lightyear is one of the cheaper brokers, so if this is an important consideration for you, make sure you pick a similarly low-cost Lightyear alternative.
Account opening. To open an account some brokers require at least €50,000 to be invested, while others don't set a minimum first-time deposit. The time it takes to open your account can be very different as well. At Lightyear this is not a problem as you can have it ready on the same day you registered.
Deposit/withdrawal. The number of ways that you can deposit or withdraw money to or from your account matters a lot. For example, while you can make a deposit with a credit card at Lightyear, this might not be the case at its alternatives.
Web trading platform. While online brokers are usually available on various platforms like mobile apps, tablet apps or desktop software, most people use them through their web platform in a browser. User-friendly trading platforms that offer many different resources can significantly increase your trading comfort.
Markets and products. A lot of people have specific products they would like to invest in. Knowing whether stocks, forex, mutual funds, and other products are available at the given Lightyear alternative is a must.
Now let's dive into the details of how Lightyear and its alternatives perform in the most important areas!
Lightyear alternatives
Trading 212
Trading 212 is onboarding clients without a waiting list from the EEA region only. Customers from other eligible countries can join Trading 212's waiting list, but it may take a while until onboarding restrictions are lifted and the waiting list is scrapped.
Trading 212 is a global CFD broker, but clients can also trade stocks and ETFs free of charge. The company was founded in 2004 and is now headquartered in London. Trading 212 is regulated by the UK Financial Conduct Authority (FCA), the Cypriot Cyprus Securities and Exchange Commission (CySEC), and the Bulgarian Financial Supervision Commission (FSC).
Check out our Trading 212 review tailored to the needs of beginner investors and traders.
Trading 212 is considered safe as it is regulated by the top-tier FCA.
Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 70% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Recommended for equity investors and cfd traders looking for easy-to-use trading platforms
Pros | Cons |
---|---|
• Real stocks and ETFs are commission-free
|
• Limited product portfolio
|
• Quick and easy account opening
|
• High forex fees
|
• Great trading platforms
|
• USD unavailable as account currency
|
Fees
Trading 212 offers commission-free stock and ETF trading, and there are also no fees for deposit, withdrawal or inactivity. However, fees for forex trading are high.
Pros | Cons |
---|---|
• Free stock and ETF trading
|
• High forex fees
|
• No withdrawal and inactivity fee
|
• High financing rate
|
Trading 212 | Lightyear | |
---|---|---|
Apple benchmark fee | $14.2 | $2.3 |
Vodafone benchmark fee | $15.3 | $3.3 |
EURUSD benchmark fee | $13.9 | - |
Includes spreads, commissions and financing rate for opening a position, holding for a week, and closing.
Position sizes: $2k for stocks and $20k for FX
Account opening
The account opening process is straightforward, user-friendly and quick. Our account was verified within one business day.
Pros | Cons |
---|---|
• Fast
|
• Problems with verification
|
• Fully digital
|
|
• No minimum deposit
|
|
Trading 212 | Lightyear | |
---|---|---|
Minimum deposit | $0 | $0 |
Time to open account | 1 day | 1 day |
If you are interested more in Trading 212 minimum deposit, this overview will help you.
Deposit and withdrawal
Trading 212 offers many free deposit and withdrawal options. On the downside, there are only a few account base currencies available in each country, and you can't choose USD.
Pros | Cons |
---|---|
• Credit/Debit card available
|
• USD unavailable as base currency
|
• Free withdrawal
|
• Few base currencies in each country
|
Trading 212 | Lightyear | |
---|---|---|
Bank transfer | Yes | Yes |
Credit/debit card | Yes | No |
Electronic wallets | Yes | No |
Withdrawal fee | $0 | $0 |
Web trading platform
Trading 212 has a user-friendly web trading platform with great features, like a safe two-step login or easy search. On the negative side, the platform is not customizable.
Pros | Cons |
---|---|
• User-friendly
|
• Limited customizability (for charts, workspace)
|
• Two-step (safer) login
|
|
• Good search function
|
|

Trading 212 | Lightyear | |
---|---|---|
Web platform score | 4.4 stars | 2.3 stars |
Mobile platform score | 4.9 stars | 4.5 stars |
Desktop platform score | - | - |
Learn more about Trading 212's web trading platform in the detailed Trading 212 review.
Markets and products
Trading 212 focuses on CFDs (forex, stock, index, etc.) and real stocks/ETFs. As a result, popular asset classes like bonds, mutual funds, options or futures are missing.
Trading 212 | Lightyear | |
---|---|---|
Stocks | Yes | Yes |
ETFs | Yes | Yes |
Forex | Yes | No |
Funds | No | No |
Bonds | No | No |
Options | No | No |
Futures | No | No |
CFDs | Yes | No |
Crypto | No | No |
Verdict
Trading 212 is primarily a CFD broker, regulated by multiple financial supervisory authorities.
On the plus side, Trading 212 offers commission-free stocks and ETFs, while most CFD fees and non-trading fees are low as well. The account opening process is seamless and the trading platforms are user-friendly.
However, Trading 212 has a limited product portfolio, lacking popular asset classes such as bonds or options. We found forex fees relatively high and missed USD as an account currency.
So is Trading 212 good? Trading 212 is a good choice for those interested in investing in equities or trading leveraged CFD products, using a great trading platform. As it offers a demo account, don't hesitate to give it a try.
Trading 212 | |
---|---|
Summary | Trading 212 is a CFD broker regulated by the UK's FCA, the Bulgarian authority FSC, and CySEC in Cyprus. Customers can also invest in stocks and ETFs commission-free. |
Fees score | 4.1 stars |
Recommended for | Equity investors and CFD traders looking for easy-to-use trading platforms |
Lightyear alternatives
Revolut
Revolut is a fast-growing fintech startup founded in 2015 and mainly known for its banking and payment services. In 2019, the company launched its commission-free stock trading service, which is provided by Revolut Trading Ltd.
Revolut is regulated by multiple top-tier regulators, including the US Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). Clients' assets are protected up to $500,000 ($100,000 cash) under the Securities Investment Protection Corporation's (SIPC) insurance. The protected amount can vary based on your country of residence. Revolut is also regulated by the UK Financial Conduct Authority (FCA).
Recommended for beginners looking for low stock trading and a great mobile-only trading platform
Pros | Cons |
---|---|
• Low stock fees
|
• Limited product portfolio
|
• Fast and easy account opening
|
• Basic research and missing educational tools
|
• Great mobile trading platform
|
• Poor customer service
|
Fees
Revolut provides low fees for stock trading. On the other hand, it charges a custody fee and outside the monthly allowance the trading fees are quite high.
Pros | Cons |
---|---|
• Low non-trading fees
|
• High crypto fees
|
• Low stock fees
|
|
Revolut | Lightyear | |
---|---|---|
Apple benchmark fee | $11.0 | $2.3 |
Vodafone benchmark fee | - | $3.3 |
EURUSD benchmark fee | - | - |
Includes spreads, commissions and financing rate for opening a position, holding for a week, and closing.
Position sizes: $2k for stocks and $20k for FX
Account opening
Revolut has an easy, fast, and fully digital account opening, requiring no minimum account balance.
Pros | Cons |
---|---|
• Fast
|
None |
• Fully digital
|
|
• No minimum deposit
|
|
Revolut | Lightyear | |
---|---|---|
Minimum deposit | $0 | $0 |
Time to open account | 1 day | 1 day |
If you are interested more in Revolut minimum deposit, this overview will help you.
Deposit and withdrawal
Revolut offers several deposit options, and both deposits and withdrawals are free even when using wire transfers. On the negative side, you can only use a USD-based account for trading and we experienced issues with canceled orders.
Pros | Cons |
---|---|
• Credit/Debit card available
|
• Only one account base currency
|
• Free withdrawal
|
• Funds can be blocked after cancel order
|
• No deposit fee
|
|
Revolut | Lightyear | |
---|---|---|
Bank transfer | Yes | Yes |
Credit/debit card | No | No |
Electronic wallets | No | No |
Withdrawal fee | $0 | $0 |
Web trading platform
Revolut does not offer a web trading platform, it's available only on mobile. This is a drawback, as web-based applications are convenient and accessible from all devices.
Revolut | Lightyear | |
---|---|---|
Web platform score | - | 2.3 stars |
Mobile platform score | 4.4 stars | 4.5 stars |
Desktop platform score | - | - |
Learn more about Revolut's web trading platform in the detailed Revolut review.
Markets and products
Revolut has a limited product portfolio, as you can only trade certain US stocks, cryptos, gold and silver. It doesn't offer popular asset classes like mutual funds, bonds or options.
Revolut | Lightyear | |
---|---|---|
Stocks | Yes | Yes |
ETFs | No | Yes |
Forex | No | No |
Funds | No | No |
Bonds | No | No |
Options | No | No |
Futures | No | No |
CFDs | No | No |
Crypto | Yes | No |
Verdict
Revolut's fees truly steal the show. If you open any of the three types of accounts, you can trade US stocks for low fees. Account opening is easy, fully digital, and fast. You will also have an excellent and user-friendly mobile trading platform.
Revolut has some drawbacks though. The product portfolio covers only US stocks and some cryptocurrencies. Their research tool selection is limited, and the broker offers no educational material at all. Customer service could also be improved.
If you want to trade US stocks on an easy-to-use mobile platform, Revolut is a great choice.
Revolut | |
---|---|
Summary | Revolut is a UK-based fintech startup that offers low-cost stock trading. Revolut Trading Ltd is regulated by the FCA. |
Fees score | 3.7 stars |
Recommended for | Beginners looking for low stock trading and a great mobile-only trading platform |
Lightyear alternatives
eToro
eToro is a well-known Israeli fintech company and a social trading broker, established in 2007.
Check out our eToro review tailored to the needs of beginner investors and traders.
eToro serves UK clients through a unit regulated by the Financial Conduct Authority (FCA) and Australians through an Australian Securities and Investment Commission (ASIC)-regulated entity. All other customers are served by a Cypriot unit that is regulated by the Cyprus Securities and Exchange Commission (CySEC).
eToro is not listed on any stock exchange, does not disclose its annual report on its website and does not have a bank parent.
Being regulated by the top-tier FCA and ASIC is a good sign for eToro's safety.
HEADS UP: Minimum deposit based on residency and account activation – Be sure to check the minimum deposit that is required to activate your account. After uploading your documents, a deposit is also needed in order to make trades. The amount of the deposit required is based on your residency, and ranges from $10 to $10,000. More details are available in the review’s Account opening section.
eToro USA LCC does not offer CFDs, only real Crypto assets available.
Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Recommended for traders interested in social trading (i.e. copying other investors’ trades) and zero-commission stock trading
Pros | Cons |
---|---|
• Free stock and ETF trading
|
• High non-trading fees
|
• Seamless account opening
|
• Only one account base currency
|
• Social trading
|
• Customer support should be improved
|
Fees
eToro offers free stock and ETF while forex and CFD fees are low. On the negative side, non-trading fees are high, including a $5 withdrawal fee.
Pros | Cons |
---|---|
• Low trading fees
|
• Inactivity fee
|
• Free stock and ETF trading
|
• $5 withdrawal fee
|
• Low forex and CFD fees
|
|
eToro | Lightyear | |
---|---|---|
Apple benchmark fee | $6.4 | $2.3 |
Vodafone benchmark fee | - | $3.3 |
EURUSD benchmark fee | $14.4 | - |
Includes spreads, commissions and financing rate for opening a position, holding for a week, and closing.
Position sizes: $2k for stocks and $20k for FX
Account opening
Account opening at eToro is seamless and very fast, and the minimum deposit is relatively low for most countries.
Pros | Cons |
---|---|
• Fast
|
None |
• Fully digital
|
|
• Low minimum deposit
|
|
eToro | Lightyear | |
---|---|---|
Minimum deposit | $10 | $0 |
Time to open account | 1 day | 1 day |
If you are interested more in eToro minimum deposit, this overview will help you.
Deposit and withdrawal
Depositing money is easy, with a lot of available options, although there is a $5 withdrawal fee. As only USD accounts are available, you may pay a high conversion fee if you deposit or withdraw in another currency, like EUR or GBP.
Pros | Cons |
---|---|
• Credit/Debit card available
|
• Only one account base currency
|
• User-friendly
|
• $5 withdrawal fee
|
|
• Conversion fee for non-USD deposits
|
eToro | Lightyear | |
---|---|---|
Bank transfer | Yes | Yes |
Credit/debit card | Yes | No |
Electronic wallets | Yes | No |
Withdrawal fee | $5 | $0 |
Web trading platform
eToro offers a user-friendly and well-designed web trading platform, where social trading is also available. On the other hand, the platform's customizability is limited.
Pros | Cons |
---|---|
• User-friendly
|
• Limited customizability (for charts, workspace)
|
• Clear fee report
|
|
• Two-step (safer) login
|
|

eToro | Lightyear | |
---|---|---|
Web platform score | 4.4 stars | 2.3 stars |
Mobile platform score | 4.9 stars | 4.5 stars |
Desktop platform score | - | - |
Learn more about eToro's web trading platform in the detailed eToro review.
Markets and products
At eToro, you can trade CFDs and forex, as well as real stocks, ETFs, and many cryptos. Innovative services like social trading and Smart Portfolios are also available.
eToro | Lightyear | |
---|---|---|
Stocks | Yes | Yes |
ETFs | Yes | Yes |
Forex | Yes | No |
Funds | No | No |
Bonds | No | No |
Options | No | No |
Futures | No | No |
CFDs | Yes | No |
Crypto | Yes | No |
Verdict
How does eToro work? eToro offers zero-commission stock trading. The account opening is swift and seamless. It has a lot of innovative features, like social trading and copying other (successful) traders. Furthermore, eToro offers many cryptos to trade.
It has some drawbacks, though. There is a $5 withdrawal fee and eToro only allows USD accounts, which means that conversion costs on deposits and withdrawals can be high if your funding currency is not USD. It's difficult to contact customer support and their educational materials could be better.
So is eToro good? Overall, we would recommend eToro for its social trading feature, crypto offering and zero-commission stock trading. If you are a long-term stock investor, a traditional stockbroker might make more sense to you as some of the drawbacks of eToro (like not applying reduced withholding tax on US dividends) might outweigh the benefits of free trading.
Risk disclaimer
eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs.
Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Past performance is not an indication of future results. Trading history presented is less than 5 complete years and may not suffice as basis for investment decision.
Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.
Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protection. Tax on profits may apply.
eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro.
eToro | |
---|---|
Summary | eToro is a global social trading broker. It is regulated by top-tier authorities such as the UK's FCA and Australia's ASIC. eToro USA LCC does not offer CFDs, only real crypto assets are available. |
Fees score | 4.4 stars |
Recommended for | Traders interested in social trading (i.e. copying other investors’ trades) and zero-commission stock trading |
Lightyear alternatives
Freetrade
Freetrade is a UK-based fintech startup providing commission-free stock trading, regulated by the UK's Financial Conduct Authority (FCA). The company was founded in 2016.
Freetrade is considered safe because it is regulated by a top-tier regulator, the FCA.
Recommended for long-term investors on the hunt for low fees and focusing on the uk and us markets
Pros | Cons |
---|---|
• Free stock and ETF trading
|
• Basic product portfolio
|
• Easy and fast account opening
|
• Limited research tools
|
• Great mobile trading platform
|
• Debit card only for deposits
|
Fees
At Freetrade, you can trade stocks and ETFs free of charge. Also, there are no account, inactivity or withdrawal fees. However, there is a high, 0.45% fee for converting your funds to USD.
Pros | Cons |
---|---|
• Free stock and ETF trading
|
• High currency conversion fee
|
• No inactivity fee
|
|
• No withdrawal fee
|
|
Freetrade | Lightyear | |
---|---|---|
Apple benchmark fee | $0.3 | $2.3 |
Vodafone benchmark fee | $0.8 | $3.3 |
EURUSD benchmark fee | - | - |
Includes spreads, commissions and financing rate for opening a position, holding for a week, and closing.
Position sizes: $2k for stocks and $20k for FX
Account opening
Account opening at Freetrade is fast, fully digital and user-friendly, and there is no minimum deposit. You can choose from 3 different account types.
Pros | Cons |
---|---|
• Fast
|
None |
• Fully digital
|
|
• No minimum deposit
|
|
Freetrade | Lightyear | |
---|---|---|
Minimum deposit | $0 | $0 |
Time to open account | 1 day | 1 day |
If you are interested more in Freetrade minimum deposit, this overview will help you.
Deposit and withdrawal
Deposits and withdrawals are user-friendly and free. On the negative side, no credit cards are accepted and the only available base currency is GBP.
Pros | Cons |
---|---|
• Free withdrawal
|
• Only one account base currency
|
• No deposit fee
|
• Debit card available only for deposits
|
• User-friendly
|
|
Freetrade | Lightyear | |
---|---|---|
Bank transfer | Yes | Yes |
Credit/debit card | No | No |
Electronic wallets | Yes | No |
Withdrawal fee | $0 | $0 |
Web trading platform
At Freetrade, you can only trade through a mobile platform, while desktop platform is not available, and web platform is available in beta version only for Freetrade Plus subscribers.
Freetrade | Lightyear | |
---|---|---|
Web platform score | - | 2.3 stars |
Mobile platform score | 4.7 stars | 4.5 stars |
Desktop platform score | - | - |
Learn more about Freetrade's web trading platform in the detailed Freetrade review.
Markets and products
Freetrade has a limited product portfolio that covers only stocks and ETFs. There are no other asset classes available, like mutual funds, bonds or options.
Freetrade | Lightyear | |
---|---|---|
Stocks | Yes | Yes |
ETFs | Yes | Yes |
Forex | No | No |
Funds | No | No |
Bonds | No | No |
Options | No | No |
Futures | No | No |
CFDs | No | No |
Crypto | No | No |
Verdict
Freetrade's fees are great. Stock and ETF trades are free and there is no inactivity fee. Account opening is easy, fully digital and fast. You can use an awesome and user-friendly mobile trading platform.
Freetrade has some drawbacks, though: there are stocks and ETFs available for trading. There aren't many research tools and you can't use credit/debit cards for transfers.
If you are looking for stock and ETF trading for free and you prefer an easy-to-use mobile trading platform, Freetrade is a good choice.
Freetrade | |
---|---|
Summary | Freetrade is a UK fintech startup offering a wide selection of commission-free stocks. Freetrade is regulated by the FCA. |
Fees score | 4.4 stars |
Recommended for | Long-term investors on the hunt for low fees and focusing on the UK and US markets |
Lightyear alternatives
Lightyear
Lightyear هو وسيط أسهم مقره المملكة المتحدة / الاتحاد الأوروبي، تأسس في عام 2020. يتم تنظيم الوسيط من قبل السلطات في المملكة المتحدة واستونيا. يعتبر Lightyear خيارًا رائعًا إذا كنت تبحث عن فائدة عالية تدفع على النقد غير المستثمر (4.00% على الدولار الأمريكي، 2.25% على اليورو، 3.50% على الجنيه الاسترليني، 10.25% على الفورنت المجري)، والرسوم المنخفضة، وتطبيق الهاتف المحمول الممتاز.
\n\nتتمتع استثماراتك في الأسهم الأمريكية بحماية المستثمر الأمريكي (SIPC) حتى 500,000 دولار أمريكي. تحمي الاستثمارات غير الأمريكية والنقد حتى 20,000 يورو.
", "be": "Lightyear - гэта брытанскі / еўрапейскі брокер па акцыях, заснаваны ў 2020 годзе. Брокер рэгулюецца ўладамі Вялікабрытаніі і Эстоніі. Lightyear - адмысловы выбар, калі вы шукаеце высокія працэнты, якія выплачваюцца на неўкладзеныя грашовыя сродкі (4,00% на USD, 2,25% на EUR, 3,50% на GBP, 10,25% на HUF), нізкія тарыфы і выдатны мабільны дадатак.
\n\nВашы інвестыцыі ў акцыі ЗША атрымліваюць абарону амерыканскіх інвестараў (SIPC) да $500,000. Інвестыцыі па-за ЗША і грашовыя сродкі ахоўваюцца да 20 000 еўра.
", "de": "Lightyear ist ein britischer/europäischer Aktienbroker, der im Jahr 2020 gegründet wurde. Der Broker wird von Behörden in Großbritannien und Estland reguliert. Lightyear ist eine großartige Wahl, wenn du hohe Zinsen auf uninvestiertes Geld suchst (4,00% auf USD, 2,25% auf EUR, 3,50% auf GBP, 10,25% auf HUF), niedrige Gebühren und eine hervorragende mobile App.
\n\nDeine Investitionen in US-Aktien genießen den US-Investorenschutz (SIPC) bis zu $500.000. Nicht-US-Investitionen und Bargeld sind bis zu 20.000 € geschützt.
", "fr": "Lightyear est un courtier en actions basé au Royaume-Uni/UE, fondé en 2020. Le courtier est régulé par les autorités du Royaume-Uni et de l'Estonie. Lightyear est un excellent choix si vous recherchez un taux d'intérêt élevé sur les liquidités non investies (4,00% sur les USD, 2,25% sur les EUR, 3,50% sur les GBP, 10,25% sur les HUF), des frais peu élevés et une excellente application mobile.
\n\nVos investissements dans les actions américaines bénéficient de la protection des investisseurs américains (SIPC) jusqu'à 500 000 $. Les investissements non américains et les liquidités sont protégés jusqu'à 20 000 €.
", "hu": "A Lightyear egy UK/EU-alapú bróker, amely 2020-ban alakult. A brókert az Egyesült Királyságban és Észtországban működő hatóságok szabályozzák. A Lightyear kiváló választás, ha magas kamatot szeretnél kapni a befektetetlen készpénzre (4,00% USD-n, 2,25% EUR-n, 3,50% GBP-n, 10,25% HUF-on), alacsony díjakat és egy kiváló mobilalkalmazást keresel.
\n\nAz amerikai részvényekbe történő befektetéseidet az amerikai Befektetővédelmi (SIPC) védi akár 500 000 dollárig. A nem amerikai befektetések és készpénz akár 20 000 euróig védettek.
", "it": "Lightyear è un broker di azioni con sede nel Regno Unito e nell'UE, fondato nel 2020. Il broker è regolamentato dalle autorità del Regno Unito e dell'Estonia. Lightyear è un'ottima scelta se cerchi un alto interesse pagato su denaro non investito (4,00% su USD, 2,25% su EUR, 3,50% su GBP, 10,25% su HUF), commissioni basse e un'app mobile eccellente.
\n\nI tuoi investimenti in azioni statunitensi godono della protezione degli investitori statunitensi (SIPC) fino a $500.000. Gli investimenti non statunitensi e il denaro contante sono protetti fino a €20.000.
", "kk": "Lightyear - 2020 жылы құрылған, Біріккен Корольдік/Еуропалық сауда агенті. Брокер Біріккен Корольдік пен Эстониядағы нормативтік органдармен реттеу алып тұр. Lightyear - қолма-қол төлемдер, төмен ақылы, әдіссоқ мобильді қолданба бар кезде жоғары қызмет көрсету үшін дұрыс таңдау.
\n\nАҚШ акцияларына инвестицияларыңыз АҚШ инвесторларын қорғау (SIPC) жүйесімен $500,000-ге дейін қорғалады. АҚШ-тың сыртқы инвестициялары мен ақша 20,000 еуроға дейін қорғалады.
", "lt": "Lightyear yra JK / ES įsikūręs vertybinių popierių brokeris, įkurta 2020 metais. Brokeris yra reglamentuojamas JK ir Estijos institucijų. Lightyear yra puikus pasirinkimas, jei ieškote aukštos palūkanų normos neuždirbtam kapitalui (4,00% USD, 2,25% EUR, 3,50% GBP, 10,25% HUF), mažų mokesčių ir puikios mobiliosios programėlės.
\n\nJūsų investicijos į JAV akcijas yra apsaugotos JAV investuotojų apsauga (SIPC) iki 500 000 USD. Ne JAV investicijos ir grynaisiais yra apsaugotos iki 20 000 EUR.
", "nl": "Lightyear is een in het VK/EU gevestigde effectenmakelaar, opgericht in 2020. De broker wordt gereguleerd door autoriteiten in het VK en Estland. Lightyear is een uitstekende keuze als je op zoek bent naar hoge rente op niet-belegd geld (4,00% op USD, 2,25% op EUR, 3,50% op GBP, 10,25% op HUF), lage kosten en een uitstekende mobiele app.
\n\nJe investeringen in Amerikaanse aandelen genieten van Amerikaanse beleggersbescherming (SIPC) tot $500.000. Niet-Amerikaanse beleggingen en contant geld zijn beschermd tot €20.000.
", "no": "Lightyear er en britisk/EU-basert aksjemegler som ble grunnlagt i 2020. Megleren er regulert av myndigheter i Storbritannia og Estland. Lightyear er et flott valg hvis du ser etter høy rente på ubenyttede kontanter (4,00% på USD, 2,25% på EUR, 3,50% på GBP, 10,25% på HUF), lave gebyrer og en utmerket mobilapp.
\n\nDine investeringer i amerikanske aksjer nyter godt av amerikansk investorbeskyttelse (SIPC) opptil $500 000. Ikke-amerikanske investeringer og kontanter er beskyttet opptil €20 000.
", "pl": "Lightyear to brytyjski/UE-owski broker giełdowy, który został założony w 2020 roku. Broker jest regulowany przez władze w Wielkiej Brytanii i Estonii. Lightyear to świetny wybór, jeśli szukasz wysokich odsetek od niewykorzystanych środków (4,00% w USD, 2,25% w EUR, 3,50% w GBP, 10,25% w HUF), niskich opłat i doskonałej aplikacji mobilnej.
\n\nTwoje inwestycje w akcje amerykańskie są chronione przez amerykańską ochronę inwestorów (SIPC) do kwoty 500 000 USD. Inwestycje spoza USA oraz gotówka są chronione do 20 000 EUR.
", "sk": "Lightyear je britský/európsky maklér, ktorý bol založený v roku 2020. Maklér je regulovaný úradmi vo Veľkej Británii a Estónsku. Lightyear je skvelá voľba, ak hľadáte vysoké úroky z neinvestovaných peňazí (4,00% na USD, 2,25% na EUR, 3,50% na GBP, 10,25% na HUF), nízke poplatky a vynikajúcu mobilnú aplikáciu.
\n\nVaše investície do amerických akcií sú chránené americkou ochranou investorov (SIPC) až do výšky 500 000 dolárov. Neamerické investície a hotovosť sú chránené až do výšky 20 000 eur.
", "sl": "Lightyear je borznoposredniška družba iz Združenega kraljestva/EU, ustanovljena leta 2020. Posrednik je urejen s strani oblasti v Združenem kraljestvu in Estoniji. Lightyear je odlična izbira, če iščeš visoke obresti na neinvestiran denar (4,00% na USD, 2,25% na EUR, 3,50% na GBP, 10,25% na HUF), nizke provizije in odlično mobilno aplikacijo.
\n\nTvoje naložbe v ameriške delnice uživajo zaščito ameriških vlagateljev (SIPC) do 500.000 $. Naložbe izven ZDA in gotovina so zaščitene do 20.000 €.
", "sq": "Lightyear është një ndërmjetës i bazuar në UK/BE, i themeluar në vitin 2020. Ndërmjetësi është i rregulluar nga autoritetet në Mbretërinë e Bashkuar dhe Estoni. Lightyear është një zgjedhje e shkëlqyer nëse kërkoni për interesa të larta të paguara për paratë e painvestuara (4.00% në USD, 2.25% në EUR, 3.50% në GBP, 10.25% në HUF), tarifa të ulëta dhe një aplikacion celular të shkëlqyer.
\n\nInvestimet tuaja në aksionet amerikane gëzojnë Mbrojtjen e Investitorëve të SHBA-së (SIPC) deri në $500,000. Investimet jashtë SHBA-së dhe paraja janë të mbrojtura deri në €20,000.
", "sr": "Lightyear je berzanski posrednik iz Velike Britanije/EU, osnovan 2020. godine. Posrednik je regulisan od strane vlasti u Velikoj Britaniji i Estoniji. Lightyear je odličan izbor ako tražite visoku kamatu na neinvestirani novac (4,00% na USD, 2,25% na EUR, 3,50% na GBP, 10,25% na HUF), niske provizije i odličnu mobilnu aplikaciju.
\n\nVaša ulaganja u američke akcije uživaju zaštitu američkih investitora (SIPC) do $500.000. Zaštita za neameričke investicije i gotovinu iznosi do 20.000 evra.
", "tr": "Lightyear, 2020 yılında kurulan İngiltere/AB merkezli bir aracı kurumdur. Aracı kurum, İngiltere ve Estonya'daki yetkililer tarafından düzenlenmektedir. Lightyear, yatırılmamış nakit üzerinden yüksek faiz ödemesi (USD üzerinden %4,00, EUR üzerinden %2,25, GBP üzerinden %3,50, HUF üzerinden %10,25), düşük ücretler ve mükemmel bir mobil uygulama arıyorsanız harika bir seçimdir.
\n\nABD hisse senetlerine yaptığınız yatırımlar, ABD Yatırımcı Koruması (SIPC) ile $500.000'a kadar korunmaktadır. ABD dışı yatırımlar ve nakit ise €20.000'e kadar korunmaktadır.
", "vi": "Lightyear là một nhà môi giới chứng khoán của Vương quốc Anh/ Liên minh châu Âu, được thành lập vào năm 2020. Nhà môi giới được quản lý bởi các cơ quan của Vương quốc Anh và Estonia. Lightyear là lựa chọn tuyệt vời nếu bạn tìm kiếm lãi suất cao được trả cho tiền không đầu tư (4.00% trên USD, 2.25% trên EUR, 3.50% trên GBP, 10.25% trên HUF), phí thấp và ứng dụng di động xuất sắc.
\n\nKhoản đầu tư của bạn vào cổ phiếu Mỹ được hưởng Bảo vệ Nhà đầu tư Mỹ (SIPC) lên đến $500,000. Khoản đầu tư không phải của Mỹ và tiền mặt được bảo vệ lên đến €20,000.
", "fil": "Ang Lightyear ay isang stockbroker na nakabase sa UK/EU, na itinatag noong 2020. Ang broker ay regulado ng mga awtoridad sa UK at Estonia. Ang Lightyear ay isang mahusay na pagpipilian kung naghahanap ka ng mataas na interes na ibinabayad sa hindi pa na-invest na pera (4.00% sa USD, 2.25% sa EUR, 3.50% sa GBP, 10.25% sa HUF), mababang bayarin, at isang napakagaling na mobile app.
\n\nAng iyong mga pamumuhunan sa US shares ay protektado ng US Investor Protection (SIPC) hanggang $500,000. Ang mga hindi US na pamumuhunan at pera ay protektado hanggang €20,000.
"}Recommended for investors and beginners looking for high interest rate on cash, easy mobile platform, and low fees
Pros | Cons |
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• Commission-free ETF and low commission on stock trades
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• Missing asset classes (e.g. options or funds)
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• High interest on uninvested cash
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• Only email support available
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• Quick account opening
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• Lack of educational tools
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• Easy-to-use mobile trading platform
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Fees
Lightyear has commission-free ETFs and low stock fees. There are no account, inactivity, custody, or withdrawal fees. On the other side, there is a 0.35% FX conversion fee and a 0.5% fee for card deposits after reaching a €500 limit.
Pros | Cons |
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• Low stock fee
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• 0.35% FX fee and 0.5% card fee after a limit
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• Commission-free ETFs
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• No inactivity or custody fee
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Lightyear | Trading 212 | Revolut | eToro | Freetrade | |
---|---|---|---|---|---|
US stock | $1.0 | $0.0 | $5.4 | $0.0 | $0.0 |
UK stock | $1.2 | $0.0 | - | $0.0 | $0.0 |
Includes spreads, commissions and financing rate for opening a position, holding for a week, and closing.
Position sizes: $2k
Account opening
Account opening at Lightyear is fast, fully digital, and user-friendly. It's also great that you can start with any amount. Corporate accounts are available as well.
Pros | Cons |
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• Fast
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None |
• Fully digital
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• No minimum deposit
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Lightyear | Trading 212 | Revolut | eToro | Freetrade | |
---|---|---|---|---|---|
Minimum deposit | $0 | $0 | $0 | $10 | $0 |
Time to open account | 1 day | 1 day | 1 day | 1 day | 1 day |
Learn more about Lightyear minimum deposit here.
Deposit and withdrawal
Lightyear's deposits and withdrawals are user-friendly and mostly free of charge. You can hold multiple currencies at the same time, which can save you currency conversion. On the negative side, only bank transfers are available for withdrawal.
Pros | Cons |
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• Free withdrawal
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• Only bank transfer for withdrawal
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• Multicurrency account
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• 0.5% card deposit fee after a limit
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• Debit card available
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Lightyear | Trading 212 | Revolut | eToro | Freetrade | |
---|---|---|---|---|---|
Bank transfer | Yes | Yes | Yes | Yes | Yes |
Credit/debit card | No | Yes | No | Yes | No |
Electronic wallets | No | Yes | No | Yes | Yes |
Withdrawal fee | $0 | $0 | $0 | $5 | $0 |
Web trading platform
Lightyear's web trading platform is user-friendly and well-designed. On the other hand, the platform is not customizable, only market orders are available, and price alerts are missing.
Pros | Cons |
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• User-friendly
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• Limited customizability (for charts, workspace)
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• Well-designed platform
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• Limited order types
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• No price alerts
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Lightyear | Trading 212 | Revolut | eToro | Freetrade | |
---|---|---|---|---|---|
Web platform score | 2.3 stars | 4.4 stars | - | 4.4 stars | - |
Mobile platform score | 4.5 stars | 4.9 stars | 4.4 stars | 4.9 stars | 4.7 stars |
Desktop platform score | - | - | - | - | - |
Learn more about Lightyear's web trading platform in the detailed Lightyear review.
Markets and products
Lightyear has a limited product portfolio that covers only stocks and ETFs. There are no other asset classes available, like mutual funds, bonds, or options.
Lightyear | Trading 212 | Revolut | eToro | Freetrade | |
---|---|---|---|---|---|
Stocks | Yes | Yes | Yes | Yes | Yes |
ETFs | Yes | Yes | No | Yes | Yes |
Forex | No | Yes | No | Yes | No |
Funds | No | No | No | No | No |
Bonds | No | No | No | No | No |
Options | No | No | No | No | No |
Futures | No | No | No | No | No |
CFDs | No | Yes | No | Yes | No |
Crypto | No | No | Yes | Yes | No |
Verdict
Lightyear is a mobile-first, newcomer broker that provides great services for stock/ETF investments.
On the plus side, investing in ETFs is commission-free, while investing in stocks has low fees. You can also earn really competitive interest on uninvested cash. The account opening and deposit/withdrawal services are user-friendly and quick. You can use a well-designed and easy-to-use app to manage your investments.
There are some drawbacks, however. We missed popular asset classes, like options or mutual funds. You can only contact Lightyear through email support. Lastly, the educational tools and the charting tools are really basic.
Lightyear | |
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Summary | Lightyear is a UK/EU-based stockbroker that was founded in 2020. The broker has regulation in the UK and Estonia. |
Fees score | 4.8 stars |
Recommended for | Investors and beginners looking for high interest rate on cash, easy mobile platform, and low fees |
Lightyear alternatives
Bottom line
Based on our analysis, there are several good alternatives to Lightyear. They all offer similar products and target similar customers. Here's a recap of the results in a table.
Broker | Info | Recommended for |
---|---|---|
Lightyear | UK/EU-based stockbroker | Investors and beginners looking for high interest rate on cash, easy mobile platform, and low fees |
Trading 212 | Global CFD broker, but real stocks/ETFs are also available | Equity investors and CFD traders looking for easy-to-use trading platforms |
Revolut | UK discount broker | Beginners looking for low stock trading and a great mobile-only trading platform |
eToro | Global social trading broker | Traders interested in social trading (i.e. copying other investors’ trades) and zero-commission stock trading |
Freetrade | UK discount broker | Long-term investors on the hunt for low fees and focusing on the UK and US markets |
Still unsure? Use our broker finder and find the best broker for you or learn more about investing your money.
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