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City Index vs Lightyear : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
City Index
Lightyear
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
Market maker
STP
Years of Existence / Established Year
1983
2020
Customer Base / Number of Accounts
1M + active customers
Info not available
Regulation & Security
Regulations (governing bodies)
CIRO, CySEC, NFA, CFTC, CIMA, FCA, SFC, FSA, MAS, ASIC
FCA EFSA
Awards Won (count for the last 2 years)
Best trading app, Best CFD provider, Forex broker.com No.1- Performance Analytics new tool, Best in Class overall
No major awards listed
Security Measures
FSCS
SIPC, EIPSF Upto Euro 20,000
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
Yes
Negative Balance Protection
Yes
No
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
13,500+ assets types including Shares
US / EU / UK Stocks (3500+) Interest Money Market Funds Baltic Stocks Baltic Bonds
Currency Pairs
Yes
No
Commodities
Yes
No
Indices
Yes
No
Cryptocurrencies
No
No
CFDs
Yes
No
ETFs
Yes
Yes
Stocks
No
Yes
Options
Yes
No
Futures
No
No
Bonds
Yes
Yes
Mutual Funds
No
No
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
Yes
Yes - through Exchange Traded Commodities
Real Estate Investment Trusts (REITs)
No
Yes - through REIT stocks
Equities
No
Yes
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
Yes
No
MT5
No
No
cTrader
No
No
Social Trading
Yes
Copy Trading
Yes
No
Other Trading Platforms (proprietary, etc.)
City Index mobile trading app
Lightyear's proprietary platform
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
Standard, MT4, Corporate account
Personal Business
Demo Account (Yes/No)
Yes
No
Islamic Accounts (Yes/No)
No
No
Minimum Deposit
€100
$0
Leverage Available
30:1
No
Trade Limit (maximum per trade)
Depends on the assets class
Varies for each product
Commission (per account type)
€0
Euro 0
Best Suited For (e.g., beginners, experienced traders)
Beginner to experienced
Beginners
Deposit & Withdrawal Options
Deposit Methods
Bank transfer, credit card, debit card, 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 transfer, credit card, debit card, e-wallets
Bank Transfers
Other E-Wallets Supported
Paypal
No
Tools & Educational Resources
Economic Calendar
Yes
No
Tools & Educational Resources (tutorials, webinars, market news, etc.)
Reuters Insider, News and analysis, Trading tools, Advanced trading view Charts
Savings interest calculator Inflation calculator Ticker time machine Rate comparison calculator
Fees & Commissions
Trading-Related Fees
UK Shares: 0.10% (min. €8 commission)US Shares: 1.5 cents per share (min. €8 commission)
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)
Fixed and variable spreads
NA
Per Lot Fees
NA
NA
Options Contract Fees
NA
NA
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
$0
NA
Maximum Leverage
30:1
Info not available
Non-Trading Fees
Dormant Fees
$15 monthly fee after 24 months of inactivity
$0
Subscription Fees (for premium features, data feeds)
NA
NA
Advisory Fees
NA
NA
Swap Fees (Overnight Financing)
Yes
NA
Statement or Document Fee
NA
NA
Account Opening Fee
NA
$0
Account Maintenance Fee
NA
$0
Deposit Fee
Credit/ debit card- 2%, others - €0
In EUR & GBP Debit Card / ApplePay / Google Pay - First Euro500 lifetime free, 0.5% after In USD FedWire & Swift - $6.11
Currency Conversion Fee
Varies by instrument
0.35%
Withdrawal Fee
Bank fees may apply
$0
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
Yes
Yes
Customer Benefits (e.g., Retirement Plan)
No
Yes
Trading Hours
Trading Hours (for each asset class if applicable)
Varies by instrument
Vary for each asset class
Customer Support
Support Hours (e.g., 24/7, weekdays only)
24/5
24/7
Customer Support Methods (phone, email, live chat)
Email: [email protected], Phone: 0800 060 8609, Live chat
Email: mailto:[email protected], Live chat Phone number:+1 332-333-4220.
Support Languages
6
20+
Additional Information
Headquarters Location
1st Floor, Moor House, 120 London Wall, London, EC2Y 5ET
Volta 1 Tallinn 10412 Estonia
Complaints (for crypto brokers)
No
No
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