| Where personal accounts are available | When can we not offer our services |
| United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus (Republic), Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, Spain, and Sweden. |
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Who can join Lightyear?
Whether you're looking for an account for yourself or your business, we’ve got you covered.
Personal accounts
Personal accounts are available to individuals aged 18+ who reside in countries where we’re authorised to offer our services.
For UK residents opening personal accounts, we offer a General Investment Account as well as as the tax-advantaged accounts Cash ISA and Stocks and Shares ISA.
Business account
Business accounts are available in all countries where personal accounts are offered, Bulgaria, Croatia, Denmark, Germany, and Sweden. To open a business account, you need to live in our service area and start by setting up a personal account first.
What does Lightyear offer?
Products you’ll get based on your account type
| Account | Multi-currency account | Investments | Interest on uninvested cash | MMFs (Vaults) |
| Local account details for GBP & EUR, international for USD. Deposit, convert, and withdraw in all three. | Buy & sell thousands of Stocks and Funds. | Earn interest on your uninvested money. | Invest in money market funds, earning you yield. | |
| General investment account | ✓ | ✓ | ✓ | ✓ |
| Cash ISA | Only GBP | - | ✓ | - |
| Stocks and Shares ISA | Only GBP | ✓* | ✓ | ✓ |
| Business account | ✓ | ✓ | ✓ | ✓ |
*FCA rules determine which instruments are allowed in an ISA. You can see a full list of ISA eligible stocks and funds on our website - simply enable the "ISA Eligible" toggle under the Basic filters list.
Other tax-advantaged accounts
Local accounts that give special tax benefits:
- Estonian Investeerimiskonto
- Hungarian TBSZ
What is currently not available
At the moment, there are services we don’t offer on any type of account. This includes options, CFDs, futures trading, short-selling, pre-market and after-hours trading.
See also: How are my assets protected and Fees and taxes