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Lightyear vs Fineco Bank : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
Lightyear
Fineco Bank
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
STP
NA
Years of Existence / Established Year
2020
1999
Customer Base / Number of Accounts
Info not available
1.4M
Regulation & Security
Regulations (governing bodies)
FCA EFSA
FCA, PRA Bank of Italy and Consob
Awards Won (count for the last 2 years)
No major awards listed
Winner of EMAS Italia 2023 Best in ESG in MF investment and advisor awards 2023 Sustainability leaders 2023
Security Measures
SIPC, EIPSF Upto Euro 20,000
SIPC & FSCS
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
Yes
Negative Balance Protection
No
NBP for derivatives not available for professional traders
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
US / EU / UK Stocks (3500+) Interest Money Market Funds Baltic Stocks Baltic Bonds
6000+ financial products including ETCs
Currency Pairs
No
Yes
Commodities
No
Yes
Indices
No
Yes
Cryptocurrencies
No
Yes
CFDs
No
Yes
ETFs
Yes
Yes
Stocks
Yes
Yes
Options
No
Yes
Futures
No
Yes
Bonds
Yes
Yes
Mutual Funds
No
Yes
Fractional Shares
Exchange Traded Notes (ETNs)
No
Yes
Precious Metals
Yes - through Exchange Traded Commodities
Yes
Real Estate Investment Trusts (REITs)
Yes - through REIT stocks
No
Equities
Yes
Yes
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
No
MT5
No
No
cTrader
No
No
Social Trading
No
Copy Trading
No
No
Other Trading Platforms (proprietary, etc.)
Lightyear's proprietary platform
PowerDesk Fineco App
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes (except iOS)
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
Personal Business
Fineco Account Trading Account
Demo Account (Yes/No)
No
No
Islamic Accounts (Yes/No)
No
No
Minimum Deposit
$0
Euro 0
Leverage Available
No
100:1
Trade Limit (maximum per trade)
Varies for each product
CFDs Min 2% to Max 6% for intraday trading Min 7% to Max 100% for multiday trading
Commission (per account type)
Euro 0
NA
Best Suited For (e.g., beginners, experienced traders)
Beginners
Beginners & experienced
Deposit & Withdrawal Options
Deposit Methods
EUR - SEPA, Debit Card, Apple Pay, Google Pay GBP - FPS, CHAPS, BACS, SWIFT, Apple Pay, Google Pay USD - ACH, FedWire, SWIFT HUF - Bank transfers within Hungary
Bank transfer Credit / Debit cards
Withdrawal Methods
Bank Transfers
Bank transfer Credit / Debit cards
Other E-Wallets Supported
No
No
Tools & Educational Resources
Economic Calendar
No
Yes
Tools & Educational Resources (tutorials, webinars, market news, etc.)
Savings interest calculator Inflation calculator Ticker time machine Rate comparison calculator
Margination Automatic Orders Multicurrency Multiple Filters Remunerated Portfolio Video guides & online webinars
Fees & Commissions
Trading-Related Fees
US Shares per order - 0.1% upto $1 maximum EU Shares per order - Euro 1 UK Shares per order - Euro 1 Money Market Funds - 0.25% annually Nasdaq Baltic - Euro 1 ETFs -Euro 0 Multi-currency account -Euro 0
CFD Stocks - Euro 0 CFD Indices - Euro 0 CFD Commodities -Euro 0 CFD Forex - Euro0 CFD Crypto -Euro 0 Knock out - Euro 0 ETF promotion -Euro 0 Certificates - Euro 0 Euro 3.95 per order on investments
Spread (typical, fixed, variable)
NA
Variable
Per Lot Fees
NA
Up to Euro 0.85 and $1 per lot
Options Contract Fees
NA
IDEM options - Euro 1.95 EUREX Options - Euro 1.95 CBOE Options - $1.95
Futures Contract Fees
NA
Futures IDEM - Euro 1.95 EUREX Futures - Euro 0.95 CME Futures - $1
Markup Fees on Spread
NA
$0
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
Info not available
100:1
Non-Trading Fees
Dormant Fees
$0
Euro 0
Subscription Fees (for premium features, data feeds)
NA
0.25%
Advisory Fees
NA
$0
Swap Fees (Overnight Financing)
NA
NA
Statement or Document Fee
NA
$0
Account Opening Fee
$0
$0
Account Maintenance Fee
$0
Euro 2.95 per month
Deposit Fee
In EUR & GBP Debit Card / ApplePay / Google Pay - First Euro500 lifetime free, 0.5% after In USD FedWire & Swift - $6.11
$0
Currency Conversion Fee
0.35%
$0
Withdrawal Fee
$0
$0
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
Yes
No
Customer Benefits (e.g., Retirement Plan)
Yes
Yes
Trading Hours
Trading Hours (for each asset class if applicable)
Vary for each asset class
Depends on the assets type
Customer Support
Support Hours (e.g., 24/7, weekdays only)
24/7
24/5
Customer Support Methods (phone, email, live chat)
Email: mailto:[email protected], Live chat Phone number:+1 332-333-4220.
UK - 08006406667 Abroad - +44 (0) 20 7065 7557 Monday to Friday, from 10:00 am to 6:30 pm.Email: mailto:[email protected]
Support Languages
20+
2
Additional Information
Headquarters Location
Volta 1 Tallinn 10412 Estonia
Rivoluzione d'Ottobre 16, Reggio Emilia, Italy 42123
Complaints (for crypto brokers)
No
No
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