| Where personal accounts are available | When can we not offer our services |
| United Kingdom, Austria, Belgium, Croatia, Cyprus (Republic), Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, and Spain. |
|
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, except Croatia, Germany, and Portugal. 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.
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