# 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.

Zero execution fees on ETFs. Free to deposit by bank transfer. No FX fees when you invest in your home currency. Simple, fair and transparent pricing.

## Numbers that speak for themselves

For too long, UK investors have got the short end of the stick. Sky-high fees on one side, illusive
promises of ‘free trading’ on the other. This ends with Lightyear. With us, what you see is what you get.

- Currency conversion (FX)

- Monthly fee

- ETFs: per order

- US stocks: per order

- UK stocks: per order

- EU stocks: per order

- Multi-currency

- Full comparison

Data accurate as of 3rd June 2026.

**Trading 212:** Based on their Invest fees [page](https://www.trading212.com/terms/invest).

**Hargreaves Lansdown**: Based on their [__Stocks & Shares ISA__](https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changes). Stock trading costs depend on the number of trades made in the previous month. The standard online dealing charge is £6.95 per trade for up to 19 trades in the previous month and £3.95 per trade for 20 or more trades. Shares, exchange-traded funds (ETFs) and investment trusts are charged at 0.35% per year, capped at £150 per account. Foreign exchange (FX) fees are tiered: 0.99% on the first £10,000, 0.75% on the next £10,000, 0.50% on the next £20,000, and 0.25% on amounts above £40,000. Additional dealing charges may apply for certain instruments, such as funds.

**Interactive Investor:** Based on their pricing plans [page](https://www.ii.co.uk/our-charges). II offer 3 different plans; Core, Plus and Premium. There is a portfolio limit of £100k for Core. The table shows the range across these 3 plans. FX is 0.75% for Core, 0.75% for the first £50k in Plus and 0.25% over £50k, and 0.25% in Premium. Full breakdown of their pricing is available [here](https://lightyear.com/en-gb/comparison/interactive-investor-vs-lightyear).

**AJ Bell:** Based on their [Stocks & Shares ISA](https://www.ajbell.co.uk/isa/stocks-shares-isa/charges). The AJ Bell fees for trading ETFs and stocks are based on trades in the previous month. If you had more than 10 share deals in the previous month then the £5.00 charged is reduced to £3.50. AJ Bell's FX fee in their ISA is 0.75% on the first £10,000 going down to 0.50% on the next £10,000 and to 0.25% on values over £20,000

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Canonical: https://lightyear.com/en-gb/pricing