Simple, fair and transparent pricing
Customers are at the centre of everything we do and our pricing structure reflects that. We charge the smallest amount possible in order to execute at the highest standard and build a sustainable business.
You pay us for these 4 things
Yep, that’s it.
Currency conversion
Uses the live interbank exchange rate
0.35%
US stocks
0.1%, up to $1 max
min $0.10 · per order
UK shares
£1
per order
EU stocks, bonds, ETNs and ETCs
€1
per order
We’ll give you these for free
You’ll often pay for these elsewhere.
Exchange traded funds (ETFs)
No execution or custody fees. Fund manager fees still apply.
Free
Account fee
Free
Multi-currency account
No more double conversion fees on each trade. Hold GBP, USD and EUR.
Free
USD, EUR, GBP accounts
Easily move foreign currency into your multi-currency account.
Free
Bank transfer in
Free
Bank transfer out
Free
W8-BEN (US tax form)
Pay less tax on any dividends earned from US shares.
Free
Money market funds (EUR & GBP)
BlackRock’s management fee of 0.1% still applies
Free
Other fees
Most customers don’t pay for these.
LEI Fee
Investing as a business
48€ + VAT
1 year
Fast deposit transfer
Quick deposits with debit card, Apple Pay or Google Pay
0.5%
Your first £500 is free
Receiving USD wire payment
Fixed fee per payment
6,11 $
per order
USD Money Market Fund
Taken from monthly distributions
0.25%
annually
Invest in ETFs, free of Lightyear fees
Our mission is to give everyone access to the global markets.
- Free to deposit by bank transfer.
- No execution fees for investing in ETFs.
- No custody fees for holding your investments with us.
- No FX fees when you invest in your home currency — we have ETFs priced in EUR, GBP and USD.
Multi-currency investing
With our multi-currency investment account, your money goes even further without constant foreign exchange fees.
- No more double conversion fees on each trade — You choose when and how much you convert.
- Your money is always converted at the live interbank rate — the rate at which banks convert currencies with each other.
- Earn interest on your uninvested cash — we pay you interest on your balances of USD, EUR, GBP, and HUF.
How we compare
We are one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA.
 |  |  | ||
|---|---|---|---|---|
Currency conversion (FX) | 0.35% | ~1% | ~1% | 0.2% €2 min |
Monthly fee | Free | 0.02% per month €0.5 min, plus VAT** | Free | Free |
ETFs - execution fee | Free | 0.14% €9 min | 0.14% €9.90 min | Free |
US shares - per order | $1 max 0.1%, min $0.10 | 0.14% €9 min | 0.14% €9.90 min | $0.0035/share $0.35 min |
EU shares - per order | 1€ | 0.14% €9 min | 0.14% €9.90 min | 0.05% €1.25 min |
UK shares - per order | £1 | 0.14% €9 min | 0.14% €9.90 min | 0.05% per trade £1 min |
Multi-currency | ||||
Interest on GBP | 3.00% | 0.00% | ||
Interest on USD | 3.00% | 0.00% | ||
Interest on EUR | 2.00% | 0.01% | 0.01% | 0.00% |
Pricing comparison of other providers as of 22nd July 2024 based on a portfolio of €8000. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites.
LHV: Information displayed corresponds to internet bank or mobile app fess in a Growth Account. . Estonian (OMX Tallinn), Latvian (OMX Riga) and Lithuanian (OMX Vilnius) shares are free of charge. With LHV client service an additional €25 will need to be added to the transaction fee for shares trading. The monthly fee is free of charge for under 26 years old. Price of ETFs refers to LHV funds charge.
Swedbank: Information displayed corresponds to internet bank fees in a Securities Account. Estonian (OMX Tallinn), Latvian (OMX Riga) and Lithuanian (OMX Vilnius) shares are free of charge.
Interactive Brokers: The Interactive Brokers' "fee waived" no transaction fee (NTF) program offers over 150 exchange-traded funds (ETFs) which reimburse IBKR Pro clients for commissions paid on ETF shares held for at least 30 days. IBKR Lite clients always pay $0 commissions on ETFs. Interest rates are 0.00% for less than €/$/ £ 10 000 in the account.