Compare platforms

Side-by-side comparison of fees, features, and ratings

Lightyear logo
Lightyear
XTB logo
XTB
Lightyear logo
Lightyear4.0Multi-award winning EU investment platform offering commission-free ETFs, stocks, and up to 1.92% APY savingsOpen accountView full review
XTB logo
XTB4.0Major European broker — 0% commission on stocks/ETFs, 8,500+ securities, ISA with 6% AEROpen accountView full review
Overview
Categoryinvestinginvesting
Difficulty
Founded20202002
HeadquartersEstoniaPoland
Best for
Ratings
Overall
4.0
4.0
Fees
4.5
4.5
Platform
4.5
4.0
Safety
3.5
4.0
Product range
3.5
4.5
Fees & costs
Stock trading€0 (free)
ETF trading€0 (free)€0 (free)
Crypto trading
Currency conversion
Inactivity fee
Withdrawal fee
Custody fee
Deposit fee
Minimum deposit
Available products
Stocks
ETFs
Bonds
Options
Futures
Crypto
CFDs
Forex
Funds
Platform & features
Web platform
Mobile app
Desktop app
API access
Fractional shares
Savings plan
Demo account
Copy trading
Cash interest1.92%
Regulation & safety
Primary regulatorEFSA (Estonia)KNF
Investor protection
MiFID passported
Availability
Available in English
Languages8 languages10 languages
Countries1722
Pros & cons
Pros
  • Commission-free ETF investing with zero custody fees — excellent for passive investors
  • Up to 1.92% APY savings managed by BlackRock — competitive cash yield
  • Clean, modern app with Lightyear AI features and 4.7 Trustpilot rating
  • 0% commission on stocks and ETFs up to €100K monthly turnover
  • 2M+ clients across Europe with MiFID passport
  • Free deposits and withdrawals with no custody fees up to €250K
Cons
  • Relatively new platform — less established than major EU brokers
  • Estonian regulation (EFSA) may feel less familiar than BaFin or FCA
  • Limited asset classes — no crypto, options, or futures trading
  • CFD products carry high risk of capital loss
  • 0.5% currency conversion cost on non-local stocks
  • Custody fee of 0.02% p.a. above €250K
Open accountOpen account

Quick verdict

Best fees

Tied

Safest

XTB

Most products

XTB

Best platform

Lightyear

Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always verify fees and features on each platform's website before opening an account.

Lightyear vs XTB | Capmap