Broker review · #7 of 10
Lightyear Review: Overview & Rating
A clean, multi-currency challenger built for European index investors.
Last reviewed August 2026 · Fees and features change; always confirm on the broker's own site.
How we scored it
Weighted overall: Fees 30%, ETF range 25%, savings plans 15%, platform 15%, safety 15% — full methodology.
Lightyear at a glance
- Regulator
- Estonian FSA (EU passported)
- Founded
- 2020
- HQ
- Tallinn, Estonia
- ETF order fee
- €0 on ETF list
- Custody fee
- €0
- Savings plans
- AutoInvest, free
- Fractional shares
- Yes
What we like
- Free ETF orders on a curated UCITS list
- Multi-currency accounts (EUR, USD, GBP, HUF) with interest on cash
- Simple, honest fee schedule with no custody fee
- Fast-improving product with savings plans (AutoInvest)
What to watch
- Smaller ETF universe than the incumbents
- Younger company with a shorter track record
- Estonian investor-protection ceiling (€20k securities scheme) is lower than bank-licence rivals
ETFPanda verdict
The most thoughtfully designed of the newer entrants. The fund list covers the core of what most index investors need, and multi-currency support is a genuine differentiator.
Best for: Investors who hold multiple currencies and want a straightforward, well-designed app for a core ETF portfolio.
Ratings are ETFPanda's editorial opinion and never for sale. Nothing on this page is investment advice; features, fees and investor protections vary by country of residence. Capital at risk.