Capital.com vs Lightyear : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Capital.com

Lightyear

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

Market maker

STP

Years of Existence / Established Year

2016

2020

Customer Base / Number of Accounts

660k

Info not available

Regulation & Security

Regulations (governing bodies)

CySEC, ASIC, FCA, MiFID, SCB

FCA EFSA

Awards Won (count for the last 2 years)

Best Overall Trading Platform (Online Money Awards 2024) and Best Trading App 2023 (Good Money Guide), Fastest Growing Broker

No major awards listed

Security Measures

AML

SIPC, EIPSF Upto Euro 20,000

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

3000+ assets including shares, ESG

US / EU / UK Stocks (3500+) Interest Money Market Funds Baltic Stocks Baltic Bonds

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Futures

Bonds

Yes

Mutual Funds

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Yes - through Exchange Traded Commodities

Real Estate Investment Trusts (REITs)

Yes - through REIT stocks

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Mobile apps, CFD trading App, Capital.com API

Lightyear's proprietary platform

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

CFD Live, MTA account, CFD corporate account, Individual account-Retail, professional account

Personal Business

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Minimum Deposit

20 EUR / USD / GBP

Leverage Available

2:1- 30:1

Trade Limit (maximum per trade)

$25,000

Varies for each product

Commission (per account type)

Euro 0

Best Suited For (e.g., beginners, experienced traders)

Beginners to experienced traders

Beginners

Deposit & Withdrawal Options

Deposit Methods

Bank transfer, Bank cards, Pay ID, e-wallets

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

Withdrawal Methods

Bank cards, e-wallets

Bank Transfers

Other E-Wallets Supported

Apple Pay, Google pay, PayPal, Neteller, Skrill, Sofort, PRZELEWY, Truelayer, Ideal, Trustly, SPEI, Lean, Volt

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

For trading beginners- Trading Essentials, Risk management, Market guides, For experienced traders- Trading Strategies, Technical analysis, Market analysis, Trading Psychology

Savings interest calculator Inflation calculator Ticker time machine Rate comparison calculator

Fees & Commissions

Trading-Related Fees

Commission: $0

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

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Options Contract Fees

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

GSL fee value will be displayed on the deal ticket

Maximum Leverage

30:1

Info not available

Non-Trading Fees

Dormant Fees

Subscription Fees (for premium features, data feeds)

Advisory Fees

Swap Fees (Overnight Financing)

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

0.7% of the spot forex rate

In EUR & GBP Debit Card / ApplePay / Google Pay - First Euro500 lifetime free, 0.5% after In USD FedWire & Swift - $6.11

Currency Conversion Fee

0.35%

Withdrawal Fee

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

opens at 9.30am and closes at 4pm local time (2.30pm-9pm London time)

Vary for each asset class

Customer Support

Support Hours (e.g., 24/7, weekdays only)

24/7

Customer Support Methods (phone, email, live chat)

Live chat, Phone: +61 3 8658 0539, E-mail: [email protected]

Email: mailto:[email protected], Live chat Phone number:+1 332-333-4220.

Support Languages

10+

20+

Additional Information

Headquarters Location

Limassol, Cyprus

Volta 1 Tallinn 10412 Estonia

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

Capital.com is known for competitive pricing on basic trades, especially for beginners. However, Lightyear fee structure, though slightly higher, covers a broader range of services, making it more suitable for active traders.

Capital.com gets you trading faster thanks to its minimal entry barriers. In comparison, Lightyear account setup is slower but includes extra layers of financial screening and suitability assessments.

The trading interface of Capital.com is known for its speed and ease-of-use, while Lightyear shines with its customizable layouts and advanced charting capabilities, making it a strong choice for serious analysts.

Capital.com stands out for active traders with robust tools, while Lightyear suits investors seeking simplicity and ease of use.

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