Investingwith an edge

Regulated by the EFSA
Earn interest

Our biggest rate yet

Put your money to work in our easy access, high yield Savings.
Follows the
European Central Bank
Benchmarked against the European Central Bank's variable overnight interest rate, which is calculated daily.
Managed by
Looked after by BlackRock, the world’s largest asset manager, with over $10 trillion under management globally.
No minimums
No maximums
From 1€ to infinity. We don’t limit the amount of money you can add to your Vaults.
More about Vaults
What gives us the edge

We do things differently

From saving on fees to paying you yield, we make sure you get the most out of your money.
Earn up to 3.60% yield
Easy access, high yield Savings
We pass the earned yield back to you with a flat fee of 0.25%. This is an investment product with variable rates.
Take control of conversion fees
We don’t charge for ETFs
US dollar
British pound
yield rates APY
Investments on Lightyear

Asset types to suit every investor

Growing wealth over the long term or hedging against risk? We’ve got tools and asset types to suit every investor.
US stocksInterestETFsEU stocksUK stocksMoney market fundsNasdaq Baltic
As seen in
CNBCFinancial TimesTechCrunchSiftedMail Online
Safe & trusted

Keeping your money safe

Trusting us with your investments is something we do not take for granted.
Multi-country regulationGovernment insuranceSafeguarding your assets

Regulated in the UK by the FCA

We’re an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 775330).

Regulated in the EU by EFSA

We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31) and authorised to operate across the European Union.
Frequently asked

Questions a curious investor might ask

How do you keep my money safe?

Trusting us with your money is not something we take for granted. Lightyear Europe AS is a licensed investment firm and as such is bound by strict regulatory obligations in how we handle and protect your assets.

Customer assets always sit separately to our own and are held by authorised custodians. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.

Lightyear customers have their assets covered up to the amount of 20,000 EUR by the Estonian Investor Protection Sectoral Fund. Read more about this fund here. Your US securities are held with our partner Alpaca, who is FINRA regulated and a registered member of the SIPC. This means your US securities are protected up to the value of $500,000 should Alpaca fail. You can read more about this directly on the SIPC website.

Read more about how your assets are protected in our help centre.

Is Lightyear a bank?

Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms (see here). With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this. We also don’t set our interest rate payments like banks do so we can make sure you’re always getting the best deal. We simply take the central bank rates and then pass it along directly to you, minus a flat administration fee.

Why are your fees so reasonable? How do you make enough money?

We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount.

Are there really no “buts” to your interest rate? What’s the catch?

No buts, promise. The interest rate on Lightyear moves with the central bank rates - so when it goes up you get more, and when it goes down you get less. It’s also uncapped which means there are no minimums or maximums, and there are no ‘lock in’ periods. You have access to your money when you want it.

How easy is it to withdraw my money?

Easy. We ensure you always have access to your money and we’ve made the process pretty painless for when you need to withdraw. The transfer times depend on the payout method you’re using but never longer than a day or two. For GBP, EUR, and HUF, your funds typically arrive on the very same day. For USD, your funds typically arrive within two days.
Visit our Help Centre