Money Market FundsBacked by BlackRock

Make your money work even harder for you, in today’s high interest rate environment.
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When you invest, your capital is at risk
4.54
%APY
4.54
%APY
EurosDollarsPounds
Low risk
Managed by BlackRock
Your money is segregated from Lightyear assets at all times. Available BlackRock funds are AAA rated and have a low risk level of 1 out of 7.
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Low pricing
Multi-currency
Annual fees of 0.10%. We have Money Market Funds in Euros, Dollars and Pounds.
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High liquidity
Instant withdrawals
Due to their regulatory requirements, Money Market Funds are highly liquid. Withdrawals aim to be instant and arrive back into your Lightyear account.
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Extend your runway
You could earn
£44.48
£44.48
YearlyMonthly
Forecasts are not a reliable indicator of future performance. This calculator assumes investment into money market fund yielding today's rate. The 1-day yield changes slightly day-to-day and significantly when there is a change to the Central Bank rate. For simplicity, this calculation assumes the 1-day yield does not change.
The world’s largest asset manager
Backed by BlackRock
Your money is held in BlackRock’s low-risk Money Market Funds.
Highly rated, low risk
Held in AAA rated, low-risk funds
Your money will be held in a low-risk, interest-paying fund that is managed by BlackRock.
Managed by BlackRock

BlackRock

BlackRock ICS Sterling Liquidity Fund (Premier)
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Investing in money market funds is an important part of our treasury management strategy, especially today, with interest rates at a high standstill. BlackRock funds through Lightyear are the best option in the market for this.

At Ready Player Me we’re also using Lightyear to grow our money. There’s a few reasons for this choice: Lightyear offers highly liquid funds at a low cost, plus they’ve made opening and managing of business investment accounts easier than ever before.

Pavel Ruban
Head of Finance
You get what you see
Transparent fees included
To preserve your principal deposit, we deduct these fees from your interest payments.
4.46%
Fund 1-day yield p.a
0.10%
The fee
4.36%
Your interest rate (APR)
4.45%
Your interest rate (APY)
Not so Risky Business
Managing risk with Money Market Funds
The BlackRock funds we’ve chosen have a risk level of 1/7 and a AAA credit rating for good reasons.
Strong counterparties & Diversified
Credit and concentration risk
The funds we offer have over 300 holdings. Money Market Fund regulations require that a single holding can’t account for more than 5% of all holdings — making Money Market Funds a very diversified asset class.
Liquidity risk
Interest rate risk

Diversified with over

300

individual holdings

Safe & trusted
Keeping your money safe
Trusting us with your money is something we do not take for granted.
Multi-country regulationGovernment insuranceSafeguarding your assets

Regulated in the UK by the FCA

We’re authorised and regulated by the Financial Conduct Authority (FRN 987226). Lightyear UK Ltd is a company registered in England and Wales with company number 14367910.

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 person might ask

Are there fees?

What is a Money Market Fund?

Who are BlackRock?

What countries are MMFs available in?

How is the APY rate calculated?

What is the difference between yield for MMFs and interest on uninvested cash?