Build wealth, not fees.
£0Commission
£0Account fees
0.1%FX fee
Go further with a General Investment Account (GIA). Save big with a multi-currency
portfolio that lets you hold balances and invest in Pounds, Dollars and Euros.
When you invest, your capital is at risk
Multi-currency account
Hold and earn interest on GBP, USD, EUR. No double currency conversions each time you trade.
Commission-free
No account, execution or custody fees. Just a 0.1% FX fee if you convert currency.
3.76% interest
Easy access Vaults with no withdrawal penalties. This is an investment product with daily variable rates.
How we compare
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.
 |  |  |  | ||
|---|---|---|---|---|---|
Currency conversion (FX) | 0.1% | 0.15% | 0.99% First £10k (see below) | Up to 0.75% see below | 0.75% see below |
Monthly fee | Free | Free | 0.35% per year, see below | £5.99 - £39.99 see below | 0.25% of holdings max £3.50 per month |
ETFs - per order | Free | Free | £6.95 | £3.99 | £3.50 - £5.00 based on trade activity |
US stocks - per order | Free | Free | £6.95 | £3.99 | £3.50 - £5.00 based on trade activity |
UK stocks - per order | Free | Free | £6.95 | £3.99 | £3.50 - £5.00 based on trade activity |
EU stocks - per order | Free | Free | £6.95 | £5.99 - £9.99 see below | £3.50 - £5.00 based on trade activity |
Multi-currency | |||||
Full comparison |
Pricing comparison of other providers as of 1st March 2026. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites.
Multi-currency investing
Your money goes even further without constant foreign exchange fees.
No double conversion fees
We don’t force currency conversions each time you trade. You choose when and how much you convert.
The live interbank rate
Your money is always converted at the live interbank rate — the rate at which banks convert money with each other.
Uninvested cash interest
Your uninvested GBP earns 1.00%. Get up to 3.76% with Vaults. Rates are AER.
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.
4,000+ US stocks across the NYSE and Nasdaq.
Explore US stocksThe world’s largest stocks
Invest in UK stocks trading on the London Stock Exchange.
Explore UK stocksBiggest companies in Britain
Invest in French, German, Dutch and Belgian stocks trading on the Euronext and Deutsche Börse.
Explore EU stocksAllez!
Diverse ETFs from some of the world’s largest fund managers.
Explore ETFsTime to level up
Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest.
As with all investing, your capital is at risk
Lightyear Vaults
Earn high interest on your money
This is an investment product with variable rates.
3.76
%AER
Follows the
Bank of England
Benchmarked against the Bank of England’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 Vaults.
The important stuff
Protection and regulation
Trusting us with your investments is something we don’t take for granted.
Regulated by the FCA
We're authorised and regulated by the Financial Conduct Authority (FRN 987226).
FSCS protection
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
