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 things

Yep, that’s it.
US shares
0.1%, up to $1 max
min $0.10 · per order
EU shares
€1
per order
UK shares
£1
per order
Currency conversion
Uses the live interbank exchange rate
0.35%
Fast deposit transfer
Depositing with your card after your free allowance
0.5%
Money market funds
Taken from monthly distributions
0.09-0.30%
Annually

We’ll give you these for free

You’ll often pay for these elsewhere.
Exchange traded funds (ETFs)
Free
Multi-currency account
Free
USD, EUR, GBP account numbers
Free
Securities custody
Free
Bank transfer in
Free
Bank transfer out
Free
W8-BEN (US tax form)
Free

...and we’ll also pay you interest

On your uninvested cash.
EUR interest rate
3.25%
p.a. net
USD interest rate
4.50%
p.a. net
GBP interest rate
4.50%
p.a. net
HUF interest rate
Only for Hungarian clients
8.25%
p.a. net
Earned daily, paid monthly on the 1st.

Oh, and there’s the Government

No one can save you from these.
UK Stamp Duty
When buying UK stocks
0.5%
French Financial Transaction Tax
When buying French stocks
0.3%
Spanish Financial Transaction Tax
When buying Spanish stocks
0.2%
Other local taxes and fees may apply.

Also, our partners charge for this

You won’t encounter these often
LEI Fee
When you’re investing as a business
€45 + VAT
1 year
Receiving USD wire payment
Fixed fee per payment
$4.14
Invest in ETFs, free of Lightyear fees

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

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 — USD (4.50%), EUR (3.25%), GBP (4.50%) and HUF (8.25%)  p.a gross.

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.
How we compare
LHV
Securities account
Swedbank
Securities account
IBKR
Pro-tiered
ETFs
Free
0.14%
€9 min
0.14%
€9.90 min
$0.0035/share
$0.35 min
Monthly fee
Free
Free
Free
Free
US shares
per successful order
$1 max
0.14%
€9 min
0.14%
€9.90 min
$0.0035/share
$0.35 min
UK shares
per successful order
£1
0.14%
€9 min
0.14%
€9.90 min
0.05%
£1 min
EU shares
per successful order
€1
0.14%
€9 min
0.14%
€9.90 min
0.05%
€1.25 min
Currency conversion (FX)
0.35%
~ 1%
~1%
0.2 bps
€2 min
Multi-currency
Interest on GBP
4.50%
0.00%
Interest on USD
4.50%
0.00%
Interest on EUR
3.25%
0.01%
0.01%
0.00%

Pricing comparison of other providers as of 3rd of April 2023 based on a portfolio of €7,000. 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 Securities 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.

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: Offers different plans for Europe depending on the country. In the above table  the IBKR Tiered Pro plan is represented. Other plans offered are Tiered and Fixed offering a minimum per order starting at a minimum of €4.00, or starting at 0.05% but these amounts may vary depending on the country. Interest rates offered are also tiered with 0% on the first $10,000 and % 4.330 (BM - 0.5%) for everything above $10,000 for USD; 0% on the first €10,000 and 2.394% (BM - 0.5%) for everything above €10,000; and 0% on the first £8,000 and 3.427% (BM - 0.75%) for everything above £8,000.