VOL. XCIV, NO. 247
A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES
Lightyear Review, Pricing, and Features
Lightyear
Lightyear is a brokerage app for customers in the UK and supported European countries. It combines stocks, ETFs, funds, selected bonds, multi-currency cash, investment plans, and basic AI research. Crypto is limited to eligible EU customers. It is not an equity terminal, factor screener, or backtesting system.
Best for
- UK and European investors who want a multi-currency app for stocks, ETFs, funds, bonds, and investment plans.
- Investors comparing brokers by published FX and order fees rather than by quantitative research or backtesting depth.
- Investors who want brokerage execution, custody, and basic AI-assisted research in one app.
Watch out
- Lightyear is an investing platform and broker, not a full research terminal, custom screener engine, or strategy backtesting product.
- Personal accounts are limited to the United Kingdom and listed European countries. U.S. citizens and U.S. tax residents are ineligible.
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Pricing
Key fees from the official fee schedule
Source-checked · Jul 16, 2026Account fee
U.S. stocks
ETF execution and custody
UK stocks
EUR-denominated stocks, bonds, ETNs and ETCs
Other European stocks
Crypto
Currency conversion
See the Lightyear fee schedule for your country.
Key features
- Trade U.S., UK, and European stocks, with fractional shares where supported.
- European accounts pay no Lightyear ETF execution or custody fee, although fund manager fees still apply.
- General investment and eligible business accounts can hold GBP, USD, and EUR. UK ISAs hold cash in GBP and convert when foreign instruments are bought.
- Build custom plans, use ready-made plans, and optionally automate purchases of eligible fractional instruments.
- Lightyear AI summarizes material-move news, explains possible price-chart drivers, and presents sourced bull and bear cases.
- European and UK account fees differ. Confirm the fee schedule for your country, entity, and account type.
- Options, CFDs, futures, short selling, and extended-hours trading in EU and UK instruments are unavailable.
- Lightyear provides brokerage services, not personalized investment or tax advice.
Broker details
Account and availability
Available in 25 countriesEurope
Available in 1 countryUK
AccountEurope
Personal investment account, Business investment account in supported countries, Local tax-advantaged account in Estonia or Hungary · EUR, GBP, USD base currency · No minimum account funding stated
AccountUK
General investment account, Stocks and Shares ISA, Cash ISA, Business investment account · GBP, EUR, USD base currency · No minimum account funding stated
Cash and trading
Interest on uninvested cashEurope
Country- and currency-dependent variable APY
Interest on uninvested cashUK
Variable APY for eligible GBP cash
Deposits
Free from Lightyear
Local bank transfer in EUR, GBP or USD
Deposits
0.6%
Debit card, Apple Pay or Google Pay
Withdrawals
Free from Lightyear
Transfer to a same-name local bank account · Processing can take up to two business days
Fractional shares
Limited availability
Selected U.S., UK and European stocks
Tax support · 25 countriesEurope
Statements only
Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Portugal, Slovakia, Slovenia, Spain, Sweden
Tax support · United KingdomUK
Statements only
Regulation and protection
Lightyear Europe AS
Estonian Financial Supervision Authority · Activity licence 4.1-1/31; company 16235024
EuropeLightyear UK Ltd
Financial Conduct Authority · FRN 987226; company 14367910
UKEstonian Investor Protection Sectoral Fund · Up to €20,000
Applies only if safeguarding fails and eligible money or instruments cannot be returned; it does not cover market losses or crypto assets.
Lightyear Europe ASUK Financial Services Compensation Scheme eligibility · Subject to FSCS eligibility and limits
Protection depends on the failed firm, product and claim. It does not protect against investment performance losses.
Lightyear UK LtdSource-checked · Reviewed Jul 16, 2026 · Official sources: What services do you offer and where?, How are my assets protected?, Pricing, How does interest work?, Deposits, conversions and withdrawals, Fractional shares, Dividend taxes and statements
Data partners
Lightyear states US securities are held with Alpaca, which is FINRA-regulated and an SIPC member.
Lightyear says customer funds are held partly in AAA-rated BlackRock money market funds and cash at authorized institutions.
Lightyear says customer funds are held partly in J.P. Morgan Asset Management money market funds and cash at authorized institutions.
FAQ
Is Lightyear free?
Lightyear should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is Lightyear best for?
Lightyear is built for Retail Traders, Long-term Investors, and Index/Passive Investors. It suits beginner and intermediate users.
What platforms and connections does Lightyear support?
You can use Lightyear on Web and Mobile.
Which markets does Lightyear cover?
Lightyear covers North America and Europe. Examples include US, GB, and EE. It tracks Stocks, ETFs, Bonds, Funds, and Cryptos. Identifiers include Ticker.
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I'm Jera Value, and I write every record here myself. I'm an independent investor who likes code and value investing, and I keep these notes because I use the tools for my own research. When a page is wrong, I fix it and say so.
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