Invest beyondyour ISA allowance
Go further with a General Investment Account (GIA). Save big with a multi-currency
portfolio that lets you hold, invest and earn interest 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.
Learn more
Free ETFs
No execution or custody fees from us. Some fund managers charge their own fees. No FX fees if using local currency.
View our funds
4.84% interest
Easy access Vaults with no withdrawal penalties. This is an investment product with daily variable rates.
Learn more
How we stack up
Low cost, no monthly fees
We’re one of the most competitively priced investment platforms on the
market and that's just how we like it. Low cost and transparent pricing is in our DNA.
View our pricing |  |  |  | ||
|---|---|---|---|---|---|
Monthly fee | Free | £5.99 | 0.45% per year, see below | £4.99 | 0.25% per year, max £42 |
ETFs - execution fee | Free | Free | £5.95 - £11.95 | £3.99 | £3.50 - £5.00 |
US shares - per order | $1 max 0.1%, min $0.10 | "Free" There's a 0.59% FX fee | £5.95 - £11.95 Plus FX fee | £3.99 | £3.50 - £5.00 Plus FX fee |
UK shares - per order | £1 | Free | £5.95 - £11.95 | £3.99 | £3.50 - £5.00 |
EU shares - per order | €1 | "Free" There's a 0.59% FX fee | £5.95 - £11.95 Plus FX fee | £9.99 | £3.50 - £5.00 Plus FX fee |
Currency conversion (FX) | 0.35% | 0.59% | 1.00% First £5k (see below) | 1.50% First £25k (see below) | 0.75% |
Multi-currency |
Pricing comparison of other providers as of 16th January 2025. 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 3.00%, USD earns 3.00% and EUR earns 2.00%. Get up to 4.84% 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.
US stocksUK stocksEU stocksETFsMoney market funds
3,000+ US stocks across the NYSE and Nasdaq.
The world’s largest stocks
Lightyear Vaults
Earn high interest on your money
This is an investment product with variable rates.
4.84
%AER
4.84
%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 and insuredSafeguarding your assets
FSCS cover up to £85,000
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Learn more here.
