Lightyear
FCA/EFSA
Scalable Capital
BaFin
Lightyear vs Scalable Capital
Head-to-Head Comparison 2026
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.
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 |
| Founded | 2020 | 2014 |
| Headquarters | London | Munich |
Detailed Comparison
Fee Comparison
Lightyear: €0 commission on US/EU stocks, 0.35% FX fee. Minimum deposit: 1 €.
Scalable Capital: PRIME+ flat rate €4.99/month or €0.99 per trade. Minimum deposit: 0 €.
Product Range
Lightyear (3 categories)
Scalable Capital (5 categories)
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?
Which broker offers more products: Lightyear or Scalable Capital?
Which broker is better regulated?
Is Lightyear or Scalable Capital better for beginners?
Lightyear vs Scalable Capital: Which broker is better overall?
Lightyear
Commission-free stock trading with multi-currency accounts
Open Account →From 1 € min. deposit
Scalable Capital
Neobroker with flat-rate trading and robo-advisor
Open Account →From 0 € min. deposit