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Lightyear Review
4.2★A modern, low-cost European neo-broker with commission-free ETFs, free auto-investing, multi-currency accounts and competitive interest on cash. A strong, simple choice for cost-conscious long-term investors, including a UK ISA.
Key facts
- Savings-plan fee
- €0.00 auto-invest
- Min. savings plan
- Low minimum
- Custody fee
- €0.00 (no inactivity fee)
- FX fee
- 0.35% (0.1% on UK ISA/GIA); hold multi-currency to avoid
- Regulator
- Estonia FSA / FCA (UK)
- Deposit protection
- Investor compensation up to scheme limits (entity-dependent)
- Founded
- 2021
- Available in
- GB, DE, FR, NL, IT, ES
Best for
- Low-cost auto-investing with multi-currency
- Interest on uninvested cash, no inactivity fee
Pros
- Commission-free ETFs and free auto-invest
- Low FX with multi-currency accounts to avoid it
- Good interest on cash, free withdrawals, UK ISA
Cons
- Small fee on EU stock trades (ETFs are free)
- Younger platform with a narrower range than incumbents
- Light on research and advanced tools