Investingwith an edge
Our biggest rate yet
Follows the
European Central Bank
Managed by
BlackRock
No minimums
No maximums
We do things differently
We don’t charge for 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
Asset types to suit every investor
3,000+ US stocks across the NYSE and Nasdaq.
Keeping your money safe
Regulated in the UK by the FCA
Regulated in the EU by EFSA
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?
Why are your fees so reasonable? How do you make enough money?
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 3.24% on EUR, 4.91% on GBP, and 4.70% 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.