★ A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES ★
VOL. XCIV, NO. 247
Lightyear Review, Pricing, and Features
Lightyear
Lightyear is a low-cost UK and European investing app for stocks, ETFs, funds, bonds, crypto, ready-made plans, multi-currency cash, and light AI-assisted investing workflows. It is useful when brokerage execution and transparent fees matter, but it is not a full equity research terminal, custom factor screener, or backtesting platform.
Best for
- UK and European investors who want a low-cost multi-currency investing app for stocks, ETFs, funds, bonds, crypto, and ready-made plans.
- Users comparing broker apps where transparent FX and order fees matter more than deep quant research or custom backtesting.
- Investors who want broker execution, account custody, and light AI-assisted research in one workflow.
Watch out
- Lightyear is an investing platform and broker, not a full research terminal, custom screener engine, or strategy backtesting product.
- The public site emphasizes UK and EU regulation and availability; investors outside supported markets may not be able to open accounts.
Community votes (overall)
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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
- Investment access for in US, UK, and European stocks, with fractional availability where supported.
- ETF access with no Lightyear execution or custody fee, while still accounting for fund manager fees.
- Hold GBP, USD, and EUR in a multi-currency account to reduce repeated FX conversions.
- Ready-made plans or build custom plans for recurring structured investing.
- Access to Lightyear AI and in-app tools for lighter research support around investable assets.
- Explicit transaction fees: FX, stock orders, crypto orders, card deposits, and LEI fees are separate from the free account.
- Country availability, entity terms, tax handling, and investor protection require verification before opening an account.
- Lightyear is a broker and investing app, not personalized advice, a tax-lot optimizer, or a professional research terminal.
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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