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Lightyear Review
Lightyear is a UK and Estonia based investing app for stocks, ETFs, and cash Vaults, not a forex broker. It dropped crypto trading in 2025.
Min Deposit
N/A
Spreads From
Not applicable, Lightyear charges flat fees on stock trades instead of a forex style spread
Max Leverage
Not applicable, Lightyear does not offer leveraged forex or CFD trading
Platforms
Lightyear app, Lightyear web platform
Pros
- Regulated by the FCA in the UK and Estonia's Finantsinspektsioon in the EU
- No minimum deposit, so you can start with a small amount of money
- ETF trades are commission free, and stock trades cost a flat small fee
- Vaults let uninvested cash earn interest through money market funds
- Named best investing app at the 2026 Good Money Guide Awards
Cons
- No forex, CFDs, options, or futures for traders who want leverage
- Crypto trading was removed from the app completely in 2025
- Research and education tools are thinner than at bigger brokers
- A minority of Trustpilot reviewers report slow withdrawal times
Lightyear is a stock and ETF investing app, not a forex or CFD broker. Martin Sokk and Mihkel Aamer, who both worked on Wise before this, founded it in 2020 in Tallinn and London. Lightyear U.K. Ltd is authorised by the FCA, and Lightyear Europe AS is authorised by Estonia's Finantsinspektsioon for EU clients.
The app covers over 6000 stocks and ETFs, UK and EU government bonds, and Vaults that pay interest through money market funds. There is a Stocks and Shares ISA and a Cash ISA for UK users. Lightyear removed crypto trading from the app in 2025 and still does not offer forex, CFDs, options, or futures.
Lightyear serves the UK plus about 24 other European countries, but not the United States. There is no minimum deposit, and ETF trades are commission free. It runs an official refer a friend program, and Trustpilot reviewers rate it well, though a few mention thin research tools and slow withdrawals.
Max Leverage
Not applicable, Lightyear does not offer leveraged forex or CFD trading
Spreads From
Not applicable, Lightyear charges flat fees on stock trades instead of a forex style spread
Platforms
Regulation, fund safety, track record
Spreads, execution, leverage
Platform quality, charting, features
Analysis, webinars, learning materials
Support quality, responsiveness
Mobile app quality, features
