Lightyear
Pros
- No account fee
- Free ETF execution and custody
- 0.35% FX conversion fee
- Multi-currency account
- Fractional investing
- Web, iOS and Android access
- Savings Vaults with money market funds
- SIPC protection for US securities
Cons
- Stock fees vary by instrument
- Card deposits cost 0.6%
- Crypto assets lack investor compensation cover
- Product availability may vary
- Money market fund fees apply
- Some withdrawals may require currency conversion