All ISA comparisons

Revolut vs Lightyear

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Key takeaways

Lightyear offers a transparent and low-cost alternative to Revolut’s tiered pricing model. Unlike Revolut, which limits free trades and adjusts FX fees based on subscription level, Lightyear has no monthly fees, lower FX fees (0.1% vs. up to 1%), and zero transaction fees on stocks and ETFs. Plus, Lightyear offers a Cash ISA as well as a Stocks & Shares ISA, and both are Flexible ISAs.
Revolut StandardRevolut PlusRevolut PremiumRevolut MetalRevolut Ultra
Monthly fee
Free
Free
£3.99
£7.99
£14.99
£55
Cash ISA
- AER
3.75%
Stocks & Shares ISA
ETFs
- per order
Free
US stocks
- per order
Free
1 free / month, then 0.25%
£1 min
3 free / month, then 0.25%
£1 min
5 free / month, then 0.25%
£1 min
10 free / month, then 0.25%
£1 min
10 free / month, then 0.25%
£1 min
EU stocks
- per order
Free
UK stocks
- per order
Free
Currency conversion (FX)
0.1%
0% on £1k/month
1% after and weekends
0% on £3k/month
0.5% after and weekends
0%
0%
0%
Pricing data for all Revolut plans sourced on Revolut.com, and correct as of 3rd June 2026.
Frequently asked
Revolut vs Lightyear: FAQs

Revolut and Lightyear have distinct pricing structures and features. Revolut uses a freemium model, where users pay monthly fees to unlock benefits like improved FX rates and a higher allowance of free U.S. stock trades. Depending on your subscription level, your allowance ranges from 1 to 10 free trades per month.

Lightyear, on the other hand, has no monthly fees. It charges a fixed FX fee of 0.1% and charges no fees for trading stocks or ETFs.

No, uninvested cash in your UK Revolut account does not earn interest, regardless of the currency. However, Revolut does offer Savings accounts. When you open a Savings account, your money is passed to Revolut’s banking partners and trustees, and deposited in an account where it can earn interest.

Yes, you can transfer stocks from Revolut to Lightyear. Lightyear accepts transfers of whole shares, provided the value of each position is at least £/$/€1,000. Only regular, exercised stocks can be transferred—non-qualified stock options (NSOs) are not accepted.

To start a transfer, read our guide to stock transfers.

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Disclaimer

This comparison is for educational purposes only and should in no way be taken as investment advice. When investing, your capital is at risk. Seek guidance if necessary.