Lightyear fees and price list 2026: equity savings account, trading and funds
In October 2026 at Lightyear ETF trades have no order fee and US share trading costs 0.10%, at most 1 USD, but currency exchange costs 0.35%. The Helsinki exchange is not available, and Lightyear does not pre-fill trades on the Finnish tax return.
Not investment advice. Investing involves risk. Pankkitutka compares costs and does not recommend individual investments or service providers. The value of investments can rise and fall, and you can lose the money you invest.
Lightyear trading costs
| Market | Price | Details |
|---|---|---|
| Helsinki exchange | no Helsinki exchange | USA: 0.10% per order, min. 0.10 USD, at most 1 USD. Euro-denominated shares, bonds, ETNs and ETCs €1 per order. ETFs with no order fee. Currency exchange 0.35% to the real-time interbank rate. Instant deposit by card 0.6%. |
| US (NYSE, Nasdaq) | 0.10%, min. 0.10 USD | The price is in dollars. |
| Nordic and other markets | see details | Sweden, Denmark and Norway 0.10%, min. 10 SEK/DKK/NOK (markets opened 10 December 2025). The Helsinki exchange is not on Lightyear's market list. |
| Currency conversion | 0.35% | The currency conversion markup applies to trades in a foreign currency. |
The price in the table is the ordinary price paid by a customer who trades rarely. Calculate your own cost with the cost comparison calculator.
Equity savings account
| Fact | Value |
|---|---|
| Offered | not offered |
| Monthly fee | not available |
| Opening fee | not available |
Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority.
Read the rules, taxation and comparison on the page equity savings account.
Book-entry account and custody
Custody: nominee register (the securities are held in the name of the broker and its custodians). Monthly fee: €0.00.
No custody fee. An investment account where the securities are nominee-registered with the broker and its custodians, not a Finnish book-entry account. Fractional shares are in a joint ownership structure through the custodian.
Funds and ETFs
No own index funds.
ETFs with no order or custody fees; the fund company's costs are paid. Money market funds (Savings) available in Finland.
ETF monthly saving: Yes. No order or custody fee on ETF trades; currency exchange 0.35% if the ETF is not denominated in euros. Fractional shares: Yes.
Compare funds on the page index funds.
Taxation and reporting
Lightyear does not report your sales to the Tax Administration, so you report the sales (form 9A) and other capital income and foreign dividends (form 16B) yourself. Service in Finnish: no. Read taxation of foreign brokers.
Investor protection
Estonian investor protection fund (Estonian Investor Protection Sectoral Fund): assets protected up to €20,000 regardless of country of residence (Lightyear's own information). Read also about the deposit guarantee: the deposit guarantee and the investors' compensation fund are different things.
The good and the bad
The pros and cons below are based on Pankkitutka's price data.
Pros
- Pro: ETFs with no order fee
- Pro: US trades at most 1 USD
- Pro: Fractional shares
- Pro: No custody fee
Cons
- Con: No Helsinki exchange
- Con: No equity savings account and no Finnish tax reporting
- Con: Currency exchange 0.35%
- Con: No Finnish-language service
Read also
- Investment services compared
- Equity savings account: comparison, costs and taxation
- Investing for beginners
- Savings rates (compare with deposits, which are covered by the deposit guarantee)
Other providers
Sources
- Lightyear: Fees and taxesretrieved 16 October 2026
- Lightyear: Pricingretrieved 16 October 2026
- Lightyear: Stocks (markkinat ja sijoittajansuoja)retrieved 16 October 2026
- Lightyear: Scandinavian, Polish & Swiss stocks, now live (10.12.2025)retrieved 16 October 2026
- Lightyear: What services do you offer and where?retrieved 16 October 2026
- Lightyear: Fractional sharesretrieved 16 October 2026
- Lightyear: Taxes and statementsretrieved 16 October 2026
- Verohallinto: Ilmoita tulot sijoituksista (päivitetty 10.3.2026)retrieved 16 October 2026
- Laki osakesäästötilistä 680/2019 (Suomen säädöskokoelma)retrieved 16 October 2026
Data checked 16 October 2026. Check the current prices and terms with the provider.
Frequently asked questions
What does trading at Lightyear cost?
In October 2026 Lightyear brokerage fees: Helsinki exchange: no Helsinki exchange; US: 0.10%, min. 0.10 USD (USD); currency conversion 0.35%. USA: 0.10% per order, min. 0.10 USD, at most 1 USD. Euro-denominated shares, bonds, ETNs and ETCs €1 per order. ETFs with no order fee. Currency exchange 0.35% to the real-time interbank rate. Instant deposit by card 0.6%. Note: no Helsinki exchange; report your trades to the tax authority yourself. Check the current price list with the provider.
Does Lightyear offer an equity savings account?
In October 2026: no. Not offered. Under the equity savings account act, an equity savings account is an account at a deposit bank or at the Finnish branch of a foreign credit institution, and the provider must register with the Financial Supervisory Authority.
Does Lightyear report trades to the Tax Administration?
In October 2026 Lightyear does not report the sales: it is a foreign remote broker, and sales made through it are reported by the customer (sales on form 9A, other capital income and foreign dividends on form 16B). If shares or other securities have been sold through a foreign remote broker, you must report the gains and losses yourself; the Tax Administration also receives information on trades made abroad and monitors their reporting.