Investingwith an edge
Earn interest
Our biggest rate yet
Put your money to work in our easy access, high yield Savings.
3.11
%APY
3.11
%APY
Follows the
European Central Bank
Benchmarked against the European Central Bank's variable overnight interest rate, which is calculated daily.
Managed by
BlackRock
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 Savings.
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.
Commission-free access
We don’t charge for buying ETFs
Zero execution fees. Zero custody fees. No FX fees when investing in your home currency - we have ETFs priced in EUR, GBP, and USD.
Explore our universe of ETFs.
Easy access, high yield Savings
Take control of conversion fees
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 fundsBaltic stocksBaltic bonds
3,000+ US stocks across the NYSE and Nasdaq.
The world’s largest stocks
As seen in
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 currently an appointed representative of RiskSave Technologies LTD, which is authorised by the Financial Conduct Authority (FCA). But, excitingly, the FCA has recently directly authorised Lightyear. This means there'll be some changes in the near future, which you can read about here.
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.
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.
Do you offer interest?
Yes! There's two ways you can earn interest with Lightyear.
Savings – a separate balance on your Lightyear account – invests into BlackRock's money market funds and offers interest in three currencies, with same or next day liquidity. The current rates for Savings are 3.11% on EUR, 4.89% on GBP, and 4.55% on USD (APY).
Your uninvested cash will also earn interest — 2.00% on EUR, 3.00% on GBP and 3.00% on USD (APY). For more information, check out our pricing page.
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.