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Lightyear is a UK and EU investing platform offering a multi-currency account and access to thousands of stocks, ETFs, money market funds, Baltic bonds and crypto assets, with regional differences between its UK FCA-regulated and EU EFSA-regulated entities.
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84
/100
Overall
Overall is usable, but check the supporting evidence and caveats.
Headline score from research fields, regulation evidence, and scoring payload.
UK and EU retail investors · Cost-conscious ETF and stock investors · Investors wanting EUR/GBP/USD multi-currency support
Entity, country restrictions, and high-risk fee fields should be checked carefully.
Before you decide
Minimum Deposit
No general minimum deposit was disclosed. Savings/Vaults states no minimums/no maximums and 'From 1€ to infinity'.
Spread From
Lightyear does not disclose a spread-from trading model for stocks/ETFs; pricing lists fixed/percentage order fees and 0.35% FX conversion fee.
Negative Balance Protection
No negative balance protection statement found; Lightyear appears to be cash/investment-only without leverage or short-selling.
Investor Compensation
EU investor protection up to €20,000; US securities held with Alpaca are SIPC protected up to $500,000; UK client money/assets covered by FSCS subject to limitations.
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Important disclosure
Availability, fees, investor protection, and regulation can vary by country and legal entity. Verify the broker and regulator details directly before opening an account.
84
/100
Overall score
Overall score is usable, but check the supporting evidence and caveats.
Trust looks strong, with high-confidence evidence. Still verify country/entity terms.
Withdrawal is usable, but check the supporting evidence and caveats.
Availability
Availability can vary by legal entity, account type, and local regulation. Treat this as a shortlist signal and verify details with the broker before opening an account.
Personal accounts are available only in listed UK/EEA countries; unavailable outside the service area and for US tax residents/citizens or where restrictions apply.
SourceEvidence
Regulated in the EU by EFSA/Finantsinspektsioon and in the UK by the FCA.
SourceEFSA licence 4.1-1/31, EFSA crypto-asset services permission 4.1-1/147, FCA FRN 987226.
SourceEU services are provided by Lightyear Europe AS; UK services by Lightyear U.K. Ltd.
SourceNo negative balance protection statement found; Lightyear appears to be cash/investment-only without leverage or short-selling.
SourceEU investor protection up to €20,000; US securities held with Alpaca are SIPC protected up to $500,000; UK client money/assets covered by FSCS subject to limitations.
SourceNo general minimum deposit was disclosed. Savings/Vaults states no minimums/no maximums and 'From 1€ to infinity'.
SourceLightyear does not disclose a spread-from trading model for stocks/ETFs; pricing lists fixed/percentage order fees and 0.35% FX conversion fee.
SourceETFs free; US shares 0.10% ($0.10 min/$1 max); UK shares £1; EUR-denominated stocks/bonds/ETNs/ETCs €1; other European shares 0.10% with local minimums; crypto 0.45%; MMFs 0.10%-0.15% annual Lightyear fee.
SourcePersonal accounts are available only in listed UK/EEA countries; unavailable outside the service area and for US tax residents/citizens or where restrictions apply.
Source6,000+ stocks/funds including US, European and UK stocks, ETFs, money market funds, Baltic stocks, Baltic bonds and EU crypto assets.
SourceAvailable on Android and iOS mobile apps and Lightyear web application; no API offered.
SourcePersonal and business accounts; UK GIA, Cash ISA and Stocks & Shares ISA; local tax-advantaged Estonian Investeerimiskonto and Hungarian TBSZ.
SourceVS next
These brokers share similar type or asset-class signals. Open the VS page to compare regulation, cost, platforms, withdrawals, and caveats side by side.
Overall 91 · Trust 100
Lightyear does not offer leveraged CFD/futures/options trading; no maximum leverage applies.
SourceLocal bank deposits are generally free; fast card/Apple Pay/Google Pay deposits cost 0.6%; USD FedWire and USD SWIFT receiving fee is $6.11.
SourceLocal withdrawals are free from Lightyear; SWIFT withdrawals have no Lightyear fee but intermediary fees may apply.
SourceNo monthly/account/custody fee; no inactivity fee found in official pricing/help pages reviewed.
SourceEUR SEPA and cards/wallets; GBP FPS/CHAPS/BACS/cards/wallets/SWIFT; USD ACH/FedWire/SWIFT; HUF local bank transfers.
SourceLocal withdrawals for EUR/GBP/USD subject to prior bank details; GBP and USD SWIFT withdrawals may be available after bank statement verification.
Source
Overall 91 · Trust 100
Overall 91 · Trust 100