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Lightyear vs Robinhood vs Revolut

Choose up to four firms. We compare what matters when things go wrong: licences, compensation, legal protections, track record, then platforms and products.

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FirmLightyearRobinhoodRevolut
Protection Score 63 78 74
Licence statusEU/EEA licenceEU/EEA licenceEU/EEA licence
European licencesFinantsinspektsioon FCA FCA Bank of Lithuania FCA Bank of Lithuania
Other licencesSEC / FINRA
Compensation via EU/UK/CH entity
Finantsinspektsioon: At least €20,000 per investor (EU minimum under the Investor Compensation Schemes Directive 97/9/EC; schemes may cover 90% of the claim).
FCA: Up to £85,000 per person per firm for investments
FCA: Up to £85,000 per person per firm for investments
Bank of Lithuania: At least €20,000 per investor (EU minimum under the Investor Compensation Schemes Directive 97/9/EC; schemes may cover 90% of the claim).
FCA: Up to £85,000 per person per firm for investments
Bank of Lithuania: At least €20,000 per investor (EU minimum under the Investor Compensation Schemes Directive 97/9/EC; schemes may cover 90% of the claim).
Negative balance protection (retail)Yes, by law via EU/UK entityYes, by law via EU/UK entityYes, by law via EU/UK entity
Headquarters Estonia United States United Kingdom
Founded202020132015
TypeShare & ETF brokersShare & ETF brokersShare & ETF brokers
Listed / bank—Listed groupBanking licence
PlatformsOwn platformOwn platformOwn platform
ProductsStocks, ETFs, Cash / savingsStocks, ETFs, Crypto, OptionsStocks, ETFs, Crypto, Cash / savings
FeaturesFractional sharesFractional shares, MiCA-licensed cryptoFractional shares, MiCA-licensed crypto
Full profileFull profileFull profile

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