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Broker Comparison

Lightyear vs XTB

Compare Lightyear and XTB side by side: fees, regulation, platforms.

Lightyear

Lightyear

Cost-conscious long-term investors

Low-cost investing platform with free ETFs, multi-currency accounts, fractional investing, savings products, โ€ฆ

VS
XTB

XTB

Investors who want ETFs, stocks and CFDs in one app

XTB combines stocks, ETFs, CFDs, options, ETF plans, cash interest and a multi-currency card. Its German branโ€ฆ

Head-to-head comparison

Lightyear vs XTB
Feature Lightyear XTB
Minimum deposit โ€” 1 EUR
Stock trading fee US shares: 0.10% (0.10 USD min - 1 USD max); UK shares: 1 GBP; EUR-denominated stocks, bonds, ETNs and ETCs: 1 EUR; other European stocks: 0.10% 0% commission up to 100 000 EUR monthly turnover; above that 0.2%, minimum 10 EUR
Regulators FCA, EFSA, FINRA, SIPC BaFin, KNF, FCA, CySEC
Best for Cost-conscious long-term investors Investors who want ETFs, stocks and CFDs in one app
Markets & account
Stocks
ETFs
Forex
โ€”
CFDs
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Crypto
Bonds
โ€”
Options
โ€”
Funds
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Fractional Shares
Investment Plans
Ready Made Portfolios
โ€”
Savings Vaults
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Money Market Funds
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Multi Currency
Business Account
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Pros & cons

Lightyear

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
XTB

XTB

Pros

  • 0% stock and ETF commission up to 100 000 EUR monthly turnover
  • Minimum deposit is 1 EUR
  • Fractional shares are available for selected stocks
  • ETF investment plans can start from 15 EUR
  • Automatic interest on non-invested cash
  • XTB card supports accounts in up to 25 currencies
  • Negative balance protection is available for CFDs

Cons

  • Trades above 100 000 EUR cost 0.2%, minimum 10 EUR
  • Currency conversion fee is 0.50%
  • Inactivity fee can reach 10 EUR per month after one year
  • Crypto is offered as CFDs
  • Retail CFD leverage is capped at 1:30
Lightyear

Lightyear

Low-cost investing platform with free ETFs, multi-currency accounts, fractional investing, savings products, and a 0.35% FX fee.

Your capital is at risk. Other fees apply.

XTB

XTB

XTB combines stocks, ETFs, CFDs, options, ETF plans, cash interest and a multi-currency card. Its German branch is supervised by KNF and BaFin.

Your capital is at risk. Other fees apply.

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