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Lightyear

Multi-award winning EU investment platform offering commission-free ETFs, stocks, and up to 1.92% APY savings

InvestingAvailable in English
4.0/ 5
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Free account

Founded:2020
HQ:Estonia
Regulator:EFSA (Estonia)
Protection:€20,000
Cash interest:1.92%

Rating breakdown

Overall
4.0
Fees
4.5
Platform
4.5
Safety
3.5
Product range
3.5

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

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

Fees & costs

0% commission on US/EU stocks; FX fee 0.35%

Fee typeCost
ETF trading€0 (free)

Fees as of 23 March 2026. Always verify on the platform's website.

Available products

Stocks
ETFs
Bonds
Options
Futures
Crypto
CFDs
Forex
Funds

Platform & features

Available on

Web platform
Mobile app
Desktop app
API access

Key features

Fractional shares
Savings plan
Demo account
Copy trading
Savings plan available — automate your investing

Availability

Languages

EnglishEstonianGermanFrenchSpanishItalianPortugueseDutch

Available in 17 countries

🇦🇹Austria🇧🇪Belgium🇩🇪Germany🇩🇰Denmark🇪🇪Estonia🇪🇸Spain🇫🇮Finland🇫🇷France🇮🇪Ireland🇮🇹Italy🇱🇹Lithuania🇱🇻Latvia🇳🇱Netherlands🇳🇴Norway🇵🇱Poland🇵🇹Portugal🇸🇪Sweden

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Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always do your own research before investing.

Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer