# Company cash. Put to work. Stocks, funds, and AER with [BlackRock Money Market Funds](/money-market-funds). When you invest, your capital is at risk. [Only invest excess capital](help/business/investing-your-company-capital). Trusted by 8,000+ companies Invest in over 6000 stocks and ETFs with a Lightyear Business Account. Put your company cash to work. ## Earn high interest Put your company cash to work in our easy access, high yield Money Market Funds. ### Low risk Your money is segregated from Lightyear assets at all times. BlackRock funds are AAA rated and have a low risk level of 1 out of 7. ### Low pricing We have Money Market funds in euros, dollars and pounds. Lightyear's annual fees for the GBP MMF are 0.10%. ### High liquidity Due to their regulatory requirements, Money market funds are highly liquid. Withdrawals aim to be instant and arrive back into your Lightyear account. ## Low cost pricing For too long, UK investors have got the short end of the stick. Sky-high fees on one side, illusive
promises of ‘free trading’ on the other. This ends with Lightyear. With us, what you see is what you get. - Business account - Open online - Currency conversion (FX) - Monthly fee - ETFs: per order - US stocks: per order - UK stocks: per order - EU stocks: per order - Multi-currency Data accurate as of 3rd June 2026. Trading 212: Does not offer business accounts. Hargreaves Lansdown: Does not offer business accounts. Interactive Investor: Based on their [Company Account](https://www.ii.co.uk/ii-accounts/company-account). II offer 2 different plans; Core and Plus. On top of trading fees and other charges, II charge a monthly account fee of £5.99 (Core) and £14.99 (Plus) as well as an additional £30 per month for both. The table shows the range across these two plans. FX fees are 0.75% for Core and 0.75% for the first £50k in Plus and 0.25% over £50k. AJ Bell: Based on their [Limited Company Dealing](https://www.ajbell.co.uk/dealing-account/limited-company) account. The fees are the same as their standard [Dealing Account charges](https://www.ajbell.co.uk/sites/ajbell/files/DA_charges.pdf). AJ Bell’s fees for trading ETFs and stocks are based on trades in the previous month. If you made more than 10 share deals in the previous month then the £5.00 charged is reduced to £3.50. AJ Bell’s FX fee for Dealing Accounts is 0.75% on the first £10,000 going down to 0.50% on the next £10,000 and to 0.25% on values over £20,000. ## 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 managed by BlackRock Put your company cash in these highly liquid, low risk, interest-paying money market funds, an investment product traditionally reserved for large corporates who can buy in with a £1 million minimum investment. Instant withdrawals. "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' ## 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 funds Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest. ### 6000+ Stocks and ETFs Invest in over 6000 international stocks and ETFs ### LEI registration Hassle-free Legal Entity Identifier registration for £42.50 + VAT ### Automatic W-8BEN-E Automatic W-8BEN-E form filling to help you claim a reduced tax rate on dividends from US stocks ## 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”. ### 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.” ### 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.” ## Protection and regulation Trusting us with your investments is something we don’t take for granted. ### Regulated and insured - Regulated by the FCA: We're authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)). - FSCS protection: Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS deposit protection applies to client money only where held with UK banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected). ### Safeguarding your assets - We safeguard your cash: Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected). - Your assets are yours, no one else's: You are the beneficial owner of all your investments, and your assets are held in separate accounts. Your assets can't be touched by our creditors and in the unlikely event of Lightyear's insolvency, everything is returned to you. ## 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](/terms-business) / 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](/help/getting-verified/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 £42.50 + VAT. Investing through a business is low-cost but pricing varies from your personal account. Check out our full pricing information [here](/pricing). ### 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 --- Canonical: https://lightyear.com/en-gb/business