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
UK shares
£1
per order
EU shares
€1
per order
Currency conversion
Uses the live interbank exchange rate
0.35%
Fast deposit transfer
Depositing with card after free £500 lifetime allowance
0.5%
Money market funds
Taken from monthly distributions
0.25%
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
Local bank transfer in
Free
Local bank transfer out
Free
W8-BEN (US tax form)
Free

...and we’ll also pay you interest

On your uninvested cash.
GBP interest rate
4.50%
p.a. net
EUR interest rate
3.00%
p.a. net
USD interest rate
4.50%
p.a. net
We pay central bank base rates minus a 0.75% fee. 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
£40 + VAT
1 year
Receiving USD wire payment
Fixed fee per payment
$6.11
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 — GBP (4.50%), USD (4.50%), EUR (3.00%) p.a net.

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.
FreetradeRevolutInteractive InvestorHargreaves Lansdown
Monthly fee
Free
£5.99
Free
£4.99
Free
ETFs
Free
Free
£3.99
£11.95
US shares
per successful order
$1 max
0.59%
FX fee
0.25%
£1 min
£3.99
£11.95 + 1.00%
Dealing & FX fee
UK shares
per successful order
£1
Free
£3.99
£11.95
EU shares
per successful order
€1
0.59%
FX fee
£9.99
£11.95 + 1.00%
Dealing & FX fee
Currency conversion (FX)
0.35%
0.59%
0% on £1K/mo
0.5% after
1.50%
1.00%
Multi-currency
Interest on GBP
uninvested cash
4.50%
3.00%
AER, up to £2K
2.29%
AER variable
2.02%
AER
3.04%
AER
Interest on USD
uninvested cash
4.50%
2.29%
AER variable
2.02%
AER
Interest on EUR
uninvested cash
3.00%
2.29%
AER variable

Pricing comparison of other providers as of 17th July 2024 based on a portfolio of £8,000. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites.

Freetrade: Offers 3 different plans. In the above table, the Standard plan is presented with a monthly fee of £5.99 that can be reduced to £4.99 if paid yearly. Other plans are 'Basic' which is free with a 0.99% FX fee, or 'Plus' which is £11.99 (£9.99 if paid annually) with a 0.39% FX fee.

Revolut: Offers 4 different plans. The table above shows their Standard plan, which is the free tier offering one free trade per month. Revolut also offers a Plus, Premium, Metal, and Ultra plans, priced £3.99, £7.99, £14.99, and £45 per month respectively. Offered interest would go up to 2.39% for Plus, 3% for Premium, 4% for Metal, and 4.75% for Ultra. Standard and Plus plans are subjected to and FX fee of 0.5% after the first £1,000 but this fee is waived in Premium and Metal plan.

Interactive investors: Offers 4 different plans. The table above shows their Investor Essentials plan. Other plans are Investor, Super Investor, and Pension Builder, priced at £11.99, £19.99, £12.99 per month respectively. Fees on international (EU) shares are reduced to £5.99 on the Super investor plan. Interest rates are tiered, offering 2.02% AER on the first £10,000, 2.78% AER between £10,000 to £100,000, 3.82% between £100,000 and £1,000,000, and 4.75% over £1,000,000. FX fee is also tiered and would work as follows. £25,000 - £49,999 are 1.25%, £50,000 - £99,999.99 are 1%, £100,000 - £599,999 are 0.5%, and £600,000+ is 0.25%.

Hargreaves Lansdown: Trade cost is based on the number of trades in the previous month. £11.95 fee is the first tier from 0 to 9 trades in the previous month. £8.95 per trade for 10-19 trades, and £5.95 for 20 or more trades. At the same time FX is also tiered with 1.00% FX fee on the first £5,000, reduced to 0.75% for the next £5,000, 0.5% for the £5,000 after that, and 0.25% over £20,000. Interest rates are based on cash holdings in an HL ISA, and these are also tiered: 3.04% AER up to £9,999, 3.25% AER from £10,000 to £49,999, 3.45% AER from £50,000 to £99,999, and 3.76% for over £100,000.