# Revolut vs Lightyear

The real revolution is smarter investing.

When you invest, your capital is at risk.

Deciding between Revolut and Lightyear? Compare fees, FX rates and more - so you can decide if Revolut or Lightyear is right for your investing and saving needs.

## 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.

- Monthly fee

- Cash ISA: AER

- Stocks & Shares ISA

- ETFs: per order

- US stocks: per order

- EU stocks: per order

- UK stocks: per order

- Currency conversion (FX)

Pricing data for all Revolut plans sourced on Revolut.com, and correct as of 3rd June 2026.

## Revolut vs Lightyear: FAQs

### Which is cheaper for trading, Revolut or Lightyear? 

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.

### Can I earn interest on cash held with Revolut?

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.

### Can I transfer stocks from Revolut?

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](/help/trading-and-investments/stock-transfer).

## Other providers to compare with

- Freetrade: Free trades can cost you. Invest wisely.

- Moneybox: Break out of the box. Lightyear offers smarter investing and low fees.

- Hargreaves Lansdown: No-one grieves high fees once they've moved to Lightyear.

- Interactive Investor: Their fees may be flat, but they could also be flattening your returns.

- AJ Bell: AJ Bell rings up the costs. Lightyear keeps them down.

- Trading 212: Your future isn’t a bet. Invest with purpose.

## 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.

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Canonical: https://lightyear.com/en-gb/comparison/revolut-vs-lightyear