Founded by ex-Wise duo Martin Sokk and Mihkel Aamer, Lightyear offers a fully digital investing experience with a highly-rated app available on both Apple and Android. You can invest in a variety of assets including stocks, funds and even money market funds – with no account fees.

Lightyear Investment Review  for beginner investors is the ability to buy ‘fractional shares’. This allows you to get a piece of a company like Netflix (for example) without having to pay the full $600 per share price. This makes it much more accessible for beginners to invest in companies like this, and is a fantastic way for newbies to dip their toe into the investment world.

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The Lightyear app is slick, well-designed and easy to use, with plenty of information at your fingertips before you invest in an asset such as news, performance, third party analyst ratings and more. In fact, we believe it’s one of the best investments apps for beginners.

Opening an investment account is quick and straightforward, taking our traders just minutes. You can deposit via debit card (via Apple or Google Pay) or by bank wire transfer with no account, custody or withdrawal fees. However, you should note that there is a maximum of EUR500 for debit card deposits before a 0.5% fee applies.

Lightyear is authorised and regulated by top-tier authorities in the UK and Estonia, which ensures you’re dealing with a trustworthy broker. This, combined with its robust security measures and SIPC protection of up to USD500,000, should provide you with peace of mind when investing your hard earned cash.