Lightyear
Neobroker estonien, 4500+ actions + ETF, change FX competitif
📋About Lightyear
Lightyear est un neobroker estonien cree en 2021 a Tallinn par Martin Sokk et Mihkel Aamer (anciens de Wise/TransferWise). Regule par la FCA au Royaume-Uni (FRN 950923) et la Financial Supervision Authority (Finantsinspektsioon) en Estonie, le broker propose 4500+ actions et ETF de plus de 10 places boursieres (NYSE, NASDAQ, LSE, Xetra, Euronext, etc.). Lightyear se distingue par sa structure de cout transparente : 1 EUR/ordre sur actions US, 0.1% commission sur ETF, et un change FX a 0.35% (parmi les plus competitifs vs 0.5% IBKR et 0.25% DEGIRO). Le broker offre aussi un compte multidevise remunere (jusqu'a 4% USD via fonds monetaire BlackRock). Disponible dans la plupart des pays UE + UK.
ⓘKey info
⚖Pros & Cons
- ✓Commission US tres basse (1 EUR/ordre)
- ✓Change FX competitif (0.35% vs 0.5% IBKR)
- ✓Compte espece remunere jusqu'a 4% USD (BlackRock MMF)
- ✓Fractional shares depuis le debut
- ✓Founders ex-Wise (qualite UX)
- ✓FCA + EE FIN-FSA (double regulation)
- ✕Pas de CFD, pas de forex, pas de crypto, pas de derivatives
- ✕Pas de plateforme desktop (mobile-first)
- ✕Pas de compte demo
- ✕Catalogue limite (4500 actions, pas de bonds, peu d'ETF)
- ✕Pas dispo en Suisse (Lichtenstein OK)
- ✕Compensation limitee a 20K EUR (vs 100K BaFin)
Regulation and licenses
Lightyear is regulated by the following authorities: FCA, FIN-FSA (Finantsinspektsioon). These regulations provide a legal framework for client funds and require the broker to follow strict transparency rules.
Available trading platforms
Lightyear offers: Lightyear App (mobile-first).
How to open an account at Lightyear?
Opening an account at Lightyear is done online in a few minutes. KYC verification (identity + proof of address) is required by regulation. Once approved, the initial deposit can be made by bank transfer, card, or e-wallet depending on the broker's options.
Analyse-Trading community reviews and rating
The community rating is calculated from verified reviews left by users connected to our platform. Each trader can rate Lightyear on 5 criteria: fees, platform, support, security, and withdrawals. Check the detailed reviews and trader feedback below.
⚠ Risk warning: Trading CFDs and Forex involves a high risk of rapid money loss due to leverage. The majority of retail investor accounts lose money trading CFDs. You should make sure you understand how CFDs work and whether you can afford to take the high risk of losing your money.