Lightyear

4.1(500)

FCA/EFSA

Scalable Capital

4.4(1200)

BaFin

Lightyear vs Scalable Capital

Head-to-Head Comparison 2026

Last reviewed: October 2026•

By Sofia

Our Verdict

Scalable Capital has a higher rating of 4.4/5 compared to Lightyear (4.1/5). Scalable Capital offers 5 instrument types, while Lightyear offers 3. The minimum deposit is lower at Scalable Capital with 0 €. Scalable Capital is BaFin-regulated, while Lightyear is supervised by FCA/EFSA. Scalable Capital has been in the market since 2014, making it the more experienced provider.

Find the broker that fits

Lightyear oder Scalable Capital?

Side by side. Decided with knowledge.

See the differences that matter, and the Academy lessons that explain them.

See the comparison

Lightyear4.1

No commissions on stocks and ETFs
Multi-currency accounts without exchange fees
Modern, user-friendly app

Scalable Capital4.4

Flat-rate trading with PRIME+
BaFin-regulated
Over 7,800 stocks and 2,500 ETFs

Fees
Platform
Regulation
Matching lessons

Two brokers. Many options. Your call.

Comparison Table

Criteria	Lightyear	Scalable Capital
Rating	4.1/5 (500 reviews)	4.4/5 (1200 reviews)✓
Regulation	FCA/EFSA	BaFin
Fees	€0 commission on US/EU stocks, 0.35% FX fee	PRIME+ flat rate €4.99/month or €0.99 per trade
Min. Deposit	1 €	0 €
Instruments	Stocks, ETFs, Government Bonds	Stocks, ETFs, Funds, Crypto, Derivatives
Platforms	Lightyear App, Lightyear Web	Scalable Broker App, Scalable Broker Web
Options Trading	No	No, no options trading
Spread (typical)	FX conversion 0.35%, stocks from $0–$1 per trade depending on market	—
Execution Speed	—	~50–100 ms (gettex/Xetra)
Founded	2020	2014
Headquarters	London	Munich

Detailed Comparison

Fee Comparison

Lightyear: €0 commission on US/EU stocks, 0.35% FX fee. Minimum deposit: 1 €. Spread: FX conversion 0.35%, stocks from $0–$1 per trade depending on market.

Scalable Capital: PRIME+ flat rate €4.99/month or €0.99 per trade. Minimum deposit: 0 €.

Execution Quality

Lightyear

No data available

Scalable Capital

Execution: ~50–100 ms (gettex/Xetra)

Product Range

Lightyear (3 categories)

StocksETFsGovernment Bonds

Scalable Capital (5 categories)

StocksETFsFundsCryptoDerivatives

Trading Platforms

Lightyear

Lightyear App
Lightyear Web

Scalable Capital

Scalable Broker App
Scalable Broker Web

Regulation & Security

Lightyear is regulated by FCA/EFSA (HQ: London).

Scalable Capital is regulated by BaFin (HQ: Munich).

Who Is It For?

Lightyear

Commission-free stock trading with multi-currency accounts

✓ No commissions on stocks and ETFs

✓ Multi-currency accounts without exchange fees

✓ Modern, user-friendly app

✗ Relatively new broker

✗ Limited product range

Scalable Capital

Neobroker with flat-rate trading and robo-advisor

✓ Flat-rate trading with PRIME+

✓ BaFin-regulated

✓ Over 7,800 stocks and 2,500 ETFs

✗ No options trading

✗ Limited trading venues (gettex/Xetra)

Frequently Asked Questions

Is Lightyear or Scalable Capital cheaper?

Lightyear charges €0 commission on US/EU stocks, 0.35% FX fee. Scalable Capital charges PRIME+ flat rate €4.99/month or €0.99 per trade. The minimum deposit is 1 € at Lightyear and 0 € at Scalable Capital.

Which broker offers more products: Lightyear or Scalable Capital?

Lightyear offers Stocks, ETFs, Government Bonds. Scalable Capital offers Stocks, ETFs, Funds, Crypto, Derivatives.

Which broker is better regulated?

Lightyear is regulated by FCA/EFSA. Scalable Capital is regulated by BaFin. Scalable Capital has BaFin regulation, which is particularly advantageous for German investors.

Is Lightyear or Scalable Capital better for beginners?

Lightyear has a minimum deposit of 1 € and offers Lightyear App, Lightyear Web as platforms. Scalable Capital has a minimum deposit of 0 € and offers Scalable Broker App, Scalable Broker Web. Scalable Capital has the lower entry barrier.

Lightyear vs Scalable Capital: Which broker is better overall?

The choice between Lightyear (4.1/5, 500 reviews) and Scalable Capital (4.4/5, 1200 reviews) depends on your needs. Lightyear: Commission-free stock trading with multi-currency accounts. Scalable Capital: Neobroker with flat-rate trading and robo-advisor.