What services do you offer and where?

Who can join Lightyear?

Whether you're looking for an account for yourself or your business, we’ve got you covered.

Personal accounts

Personal accounts are available to individuals aged 18+ who reside in countries where we’re authorised to offer our services.

Where personal accounts are available	When can we not offer our services
Austria, Belgium, Croatia, Cyprus (Republic), Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, Spain, and the United Kingdom.	If you reside outside of our service area. If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.

Business account

Business accounts are available in all countries where personal accounts are offered, except Croatia, Germany, and Portugal. To open a business account, you need to live in our service area and start by setting up a personal account first.

What does Lightyear offer?

You’ll get this with your personal or business account

Multi-currency account	Investments	Interest on uninvested cash
Local account details for GBP, EUR, and USD. Deposit, convert, and withdraw in all three.	Buy & sell thousands of Stocks, Funds, and Bonds.	Earn interest on your uninvested money.

Products you’ll get based on your residency

Some features you can use depend on where you live and the requirements in your country.

BlackRock money market funds (Savings)

Available for all account types, but only where locally registered by the fund issuer.

Countries where residents can invest in MMFs	Countries where residents cannot invest in MMFs
Austria, Estonia, Finland, France, Germany, Hungary, Italy, Latvia, Lithuania (EUR only), Luxembourg, Netherlands, Spain and the UK.	Belgium, Croatia, Cyprus (Republic), Greece, Ireland, Malta, Portugal, Slovakia, and Slovenia.

Personal users will see MMFs in the Savings vaults. Business users will see them as MMFs.

Tax-advantaged accounts

Local accounts that give special tax benefits:

What is currently not available

At the moment, there are services we don’t offer on any type of account. This includes options, CFDs, futures trading, short-selling, pre-market and after-hours trading.

See also: How are my assets protected and Fees and taxes