Put your company

cash to work

Stocks, funds and up to 4.95% AER yield with BlackRock Money Market Funds.

Earn interest

4.95%

4.77%

3.29%

with BlackRock Money Market Funds.

Tried and trusted by

3,000+

companies

When you invest, your capital is at risk. Only invest excess capital.
Business use cases

For businesses small and large

From saving on fees to paying you interest, we help you make make the most out of your company funds.
Any size business, any size deposit
Whether you’re a startup, SME or bigger business, future-proof your company’s finances in minutes with an investment account that gives access to the world’s markets with no minimum or maximum deposit criteria.
Treasury product backed by BlackRock
Low fees
Any size business, any size deposit
Tried and trusted

3,000+ companies across Europe use Lightyear

Salv
Ready Player Me
Taavet+Sten

"All businesses should have access to straightforward business accounts that follow the Bank of England rate. But that option hasn't existed until now. I previously used an account from my bank that put my cash into money market funds, but I had to give a month's notice to withdraw and the rate I received was less than half the Bank of England's base rate. That defeats the purpose. I need to earn as much interest as I can on my company's money, but it also needs to be properly liquid so I have an easily accessible cushion for quiet periods to smooth out my cash flow.

With the account that Lightyear offers, I get the same deal as big companies that have been using money market funds for decades. That's a massive step forward for small businesses like mine."

Andy Davis
Owner of ‘The Investors' Media Company'
Your CFO’s best friend

Tools for your business

Managing your company’s finances has never been easier. Extend your runway, manage foreign exchange exposure and interest-rate risk.
Money market fundsInterest3,500+ Stocks and ETFsLEI registrationAutomatic W-8BEN-E
Money market funds

Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest.

As with all investing, your capital is at risk
Our investors

Backed by the best

We’ve raised multiple rounds of finance from leading global investors and business leaders that share our vision for the future of investing.
Sir Richard Branson, Founder of the Virgin Group
“For too long, financial markets have been overly complex with high barriers to entry and confusing jargon. Martin, Mihkel and the Lightyear team are lifting the lid on the world of investing – making it more transparent whilst empowering people through education – to choose the products which are right for them”.
Sir Richard Branson, Founder of the Virgin Group
Nicole Quinn, General Parter at Lightspeed Venture Partners
“Lightyear is building a platform that customers not only love and trust, but one that understands the nuances between different regulations, languages, exchanges and cultural investing norms.”
Nicole Quinn, General Parter at Lightspeed Venture Partners
Taavet Hinrikus, Co-Founder of Wise
“With launching business accounts, Lightyear is eliminating huge pain points of long, bureaucratic onboarding as well as limited and expensive access to the global markets for a huge audience — deepening their impact on investing in Europe.”
Taavet Hinrikus, Co-Founder of Wise
More about what we’re building
Safe & trusted

Keeping Lightyear safe

As you know, when you invest your capital is at risk — so we don’t take risks with how we keep your assets.
Government insuranceSafeguarding your assets

Your US securities are SIPC protected up to $500,000

Your US securities are held with our partner Alpaca, who is FINRA regulated and a registered member of the Securities Investor Protection Corporation (SIPC).

EU investor protections insure up to €20,000 across your portfolio

Your assets are covered up to the amount €20,000 by the Estonian Investor Protection Sectoral Fund.
Fully regulated

Multi-country regulation

In each region we operate we are governed by the relevant local regulatory authorities.

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.
Things you’ll want to know

Questions we’re often asked

Who can open a business account?

Our UK business accounts are here for:

All limited companies registered in the UK that meet our required terms of service / operate in a non-high risk industry.

If you have more than one business, you can open multiple business accounts with us.

How do I open a business account?

It’s super quick and easy to open up a business account.

All you need to have at hand is your LEI code. If you don’t have an LEI code yet, you can generate one right in the Lightyear app.

Just jump into the app, navigate to your profile from the top left corner, and you're there. If you don’t currently have a personal account with Lightyear, you’ll need to set that up first. See Opening an account.

How much does it cost to open a business account?

It’s free to open up a business account! We also don’t charge any custody or monthly fees.

All you need to have at hand is your LEI code. If you don’t have an LEI code yet, you can generate one right in the Lightyear app for £40 + VAT.

Investing through a business is low-cost and priced just like investing from your personal account. We also pay interest on uninvested cash for businesses too.

Check out our full pricing information here.

Can I claim US tax treaty benefits?

You can claim US tax treaty benefits, but it’s optional. Uploading a W-8BEN-E allows you to reduce the tax you pay on dividends from US instruments, but there’s no benefit to that if you:

  • Invest in non-US instruments
  • Invest in non dividend paying US stocks
  • Hold & convert cash

We fill in the W-8BEN-E form for you automatically. All you need to do is answer a few questions in the app, and we’ll generate the PDF form for you right there.

Please note that tax treatment depends on individual circumstances and is subject to change in the future.

Why do I need a Legal Entity Identifier (LEI)?

A Legal Entity Identifier, also known as an LEI, uniquely identifies your business. It's required by law for businesses trading stocks in Europe.

If you’ve already registered an LEI — we’ll find it for you during onboarding, all you need to do is confirm the details.

If you don’t yet have an LEI, you can generate one within the Lightyear app for £42.50 + VAT.

What should I keep in mind when investing?

When depositing your business funds to your business account, while making sure your money is working hard for you and your business, please take care with it too

  • Don't invest money that you need to operate the business day-to-day
  • Always make sure you have operational cash in an FSCS protected account

We're here to help you invest and grow any excess business capital you have, but remember that capital is still at risk when it's invested

Visit our Help Centre