Easy access,high interest Vaults
Put your money to work.
This is an investment product with variable rates.
Get started
When you invest, your capital is at risk
4.89
%AER
4.89
%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 world’s largest asset manager
Backed by BlackRock
Your money is held in BlackRock’s low-risk Money Market Funds.
Highly rated, low risk
Held in AAA rated, low-risk funds
Your money will be held in a low-risk, interest-paying fund that is managed by BlackRock.
Managed by BlackRock
BlackRock
BlackRock ICS Sterling Liquidity Fund (Premier)
Wait, there’s more
It doesn’t stop there
From fast withdrawal times to monthly interest payments — we’ve got you covered.
Get paid
Interest earned daily, paid monthly
You’ll start earning interest daily from the moment your money has been deposited.
Available in Pounds, Euros and Dollars
Light speed withdrawals
November interest
+£68.63
October interest
+£63.56
September interest
+£65.45
August interest
+£67.71
July interest
+£66.67
June interest
+£62.95
Safe & trusted
Your security is our priority
Trusting us with your investments is something we do not take for granted.
Regulated and insuredSafeguarding your assets
FSCS cover up to £85,000
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency.
Frequently asked
Questions a curious person might ask
Are there fees?
The rate shown (4.89% AER) is what you get after the fee of 0.10%, compounded monthly over a year. The fund’s current 1-day yield is 4.88%.
4.88% - 0.10% fees = 4.78% (4.89% when compounded).
What is a Money Market Fund?
A Money Market Fund is a low-risk investment that aims to give you a slightly higher return than cash. Unlike most funds that invest in bonds or shares, it invests in short-term debt.
This short-term debt is bought from by governments, banks and companies with strong balance sheets and high credit ratings. In exchange, they pay interest to the fund.
Lightyear Vaults allows you to invest in Money Market Funds. As with all investments, the value can go up as well as down. The yield generated by these funds changes daily and may also move in an unfavourable direction.
The prospectuses and Key Information Documents of these funds are available in our app and website, and on BlackRock’s website.
Who are BlackRock?
BlackRock is the world’s largest asset manager, with over $10 trillion managed for people and businesses across the world.
What countries are Vaults available in?
Lightyear Vaults are available in Austria, Estonia, Finland, France, Germany, Hungary, Italy, Latvia, Lithuania (EUR only), Luxembourg, Netherlands, Spain and the UK.
They are not currently available in Belgium, Croatia, Cyprus, Greece, Ireland, Greece, Malta, Portugal, Slovakia and Slovenia.