Lightyear — Free Service Overview

Lightyear is a European retail brokerage subscription operated by Lightyear Europe AS, headquartered in Tallinn, Estonia. The product launched in 2020 and has become a category staple. This page tracks live pricing, named tiers, supported platforms and the practical jobs where Lightyear earns its keep against competing in the European retail brokerage category against neobroker startups and incumbent stockbrokers.

Quick Facts

• Operator: Lightyear Europe AS
• Headquarters: Tallinn, Estonia
• Founded: 2020
• Public-market status: privately held (Lightspeed, Mosaic, Virgin Group investors)
• Flagship paid tier: Lightyear Plus (Lightyear Plus at €9.99/month)
• Free tier available: Yes (Free account)
• Where it sells: EEA, UK, Norway, Iceland, Liechtenstein
• 2025-2026 differentiator: In 2024-2025 Lightyear expanded into Junior investing accounts and rolled out higher-yield interest on idle cash, positioning against neobroker incumbents for European retail investors.

What is Lightyear?

Lightyear is a European retail brokerage subscription that launched in 2020 under Lightyear Europe AS. The product is built around Commission-free European stock and ETF trading across LSE, Xetra, Euronext, $1 per US trade or unlimited on Plus tier, Multi-currency wallet earning interest on idle cash, with the rest of the catalogue tracked in the platform sections below. The Subger catalogue page pulls live tier pricing from our internal database and links into cancel guides, deal hunters and renewal price trackers so subscribers can monitor Lightyear across its full lifecycle.

Why choose Lightyear

Product roadmap and 2025-2026 differentiation

Lightyear is operated by Lightyear Europe AS out of Tallinn, Estonia, and the team continues to invest in the catalogue that subscribers care about most. The latest roadmap milestone — in 2024-2025 lightyear expanded into junior investing accounts — gives buyers a concrete reason to evaluate Lightyear now rather than waiting for the next refresh cycle.

Feature breadth that matters

Beyond the headline, Lightyear ships Junior accounts for children with parental approval and limits, Securities lending opt-out by default (rare among European brokers) and Custody under Saxo Bank A/S with EU investor protection up to €20,000. This depth matters because teams rarely buy a single capability — they need a system that absorbs adjacent jobs over time without forcing a vendor switch.

Regulation and customer protection

Lightyear is regulated as a financial product in every market where it operates. The Lightyear entity publishes its licence numbers, deposit-protection terms (where applicable) and complaint procedures on the legal pages of the website. Customers in EU and UK markets benefit from the baseline of PSD2-style consumer protections.

Lightyear pricing in 2026

The current ladder for Lightyear ranges from Free account (€0) up to Lightyear Business (free). The anchor paid tier most buyers compare is Lightyear Plus at Lightyear Plus at €9.99/month, sourced from the vendor's published pricing page.

Live pricing across countries

For country-by-country billing currency, taxes and renewal pricing for Lightyear, see the live pricing table on this page. It pulls directly from our catalogue so promotions, anchor tiers and price drops surface the moment we capture them.

Lightyear apps and platform coverage

Lightyear runs on the platforms its category demands. The table below summarises coverage as of 2026.

Use cases Lightyear fits

• Subscribers using commission-free european stock and etf trading across lse, xetra, euronext as their primary reason to upgrade
• Teams that need $1 per us trade or unlimited on plus tier on a single billing relationship
• Buyers who value multi-currency wallet earning interest on idle cash as part of the Lightyear Plus bundle
• Operators evaluating Lightyear against competing in the European retail brokerage category against neobroker startups and incumbent stockbrokers
• Existing Lightyear customers expanding their footprint to Lightyear Plus from a free or entry tier

Comparable products in the Subger catalogue

If you are evaluating Lightyear alongside other tools, the Subger catalogue maintains a separate page per service with live pricing and tier names. Use the relevant hub to compare Lightyear with adjacent European retail brokerage subscription candidates on price, free-tier availability and feature coverage. For each candidate Subger also tracks the cancellation flow, current promo codes and renewal price history so total cost of ownership is visible upfront. Start with the Subscription comparisons, the Cancel guides hub and the Deals hub.

Frequently asked questions

Who operates Lightyear?

The legal operator is Lightyear Europe AS. The product was founded in 2020; the parent's public-market status today is privately held (Lightspeed, Mosaic, Virgin Group investors).

How much does Lightyear cost in 2026?

The flagship paid tier (Lightyear Plus) is Lightyear Plus at €9.99/month. The full ladder — Free account, Lightyear Plus, Lightyear Family / Junior, Lightyear ETFs, Lightyear Business — is in the pricing table above with feature differences per tier.

Does Lightyear offer a free tier or trial?

Yes — Free account is available at €0 with the usage caps shown in the pricing table above. You can also browse the Subger deals page for promotional pricing on paid tiers.

What platforms does Lightyear run on?

Lightyear covers the platforms shown in the platform table above. Mobile, desktop and API surfaces vary by tier, and the vendor's release notes track new integrations as they ship.

What's new in Lightyear for 2025-2026?

In short, the team continues to invest where it matters most: in 2024-2025 lightyear expanded into junior investing accounts. That is the development most likely to influence whether Lightyear is the right choice for a buyer evaluating European retail brokerage subscription options in 2026.

How does Lightyear compare to other European retail brokerage subscription options?

Lightyear differentiates on commission-free european stock and etf trading across lse, xetra, euronext and $1 per us trade or unlimited on plus tier plus the broader feature ladder shown above. For a side-by-side comparison with adjacent products, see the Subger category hub linked at the bottom of this page.

Can I cancel Lightyear anytime?

Yes — cancellation is self-service in Lightyear app under Settings → Subscription. Subger maintains a step-by-step cancellation guide on the cancel hub that covers the specific in-product flow, refund eligibility and what data is preserved after cancel.

Does Lightyear offer team, family or enterprise pricing?

Yes — the higher tiers (Lightyear Business) target larger deployments with admin controls, audit logs and dedicated support. Quoted pricing depends on seat count and contract length; the pricing table above shows the published anchors.

Is Lightyear available outside its primary market?

Coverage details: Lightyear is sold across the following markets: EEA, UK, Norway, Iceland, Liechtenstein. See the live pricing table for country-specific tier pricing in local currencies where applicable.

Where can I find Lightyear deals and promo codes?

The Subger deals page tracks current Lightyear promotional pricing, and the renewal price tracker stores historical price points so subscribers can spot post-trial price hikes. Both are linked in the related guides section below.

Get started with Lightyear

To sign up for Lightyear, head to the live pricing table at the top of this page. Pick the tier that matches usage: Free account for evaluation or Lightyear Plus for production usage at Lightyear Plus at €9.99/month, or the Lightyear Business tier for advanced deployments. After signup, bookmark this Subger page to monitor renewal pricing and catch any tier or anchor-price changes from Lightyear Europe AS.

Related Subger guides

• Cancel Lightyear — step-by-step cancellation guide for the current portal
• Lightyear deals and promo codes — live promotional offers tracked across the year
• Lightyear true price tracker — renewal-price history and post-trial cost watch
• Lightyear promo codes — coupon and code archive with expiration tracking
• Browse the full Subger services catalogue