Our biggest rate yet
Easy access, high interest Vaults have arrived. This is an investment product with variable rates.
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When you invest, your capital is at risk
3.10
%AER
3.10
%AER
Follows the
European Central Bank
Benchmarked against the European Central Bank’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 Euro 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
+€67.50
October interest
+€62.52
September interest
+€64.38
August interest
+€66.60
July interest
+€65.58
June interest
+€61.92
Safe & trusted
Keeping Lightyear safe
As you know, when you invest your capital is at risk — so we don’t take risks with how we keep your assets.
Government insuranceSafeguarding your assets
Your US securities are SIPC protected up to $500,000
Your US securities are held with our partner Alpaca, who is FINRA regulated and a registered member of the Securities Investor Protection Corporation (SIPC).
EU investor protections insure up to €20,000 across your portfolio
Your assets are covered up to the amount €20,000 by the Estonian Investor Protection Sectoral Fund.
Fully regulated
Multi-country regulation
In each region we operate we are governed by the relevant local regulatory authorities.
Regulated in the UK by the FCA
We’re currently an appointed representative of RiskSave Technologies LTD, which is authorised by the Financial Conduct Authority (FCA). But, excitingly, the FCA has recently directly authorised Lightyear. This means there'll be some changes in the near future, which you can read about here.
Regulated in the EU by EFSA
We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31) and authorised to operate across the European Union.
Frequently asked
Questions a curious person might ask
Are there fees?
The rate shown (3.10% AER) is what you get after the fee of 0.10%, compounded monthly over a year. The fund’s current 1-day yield is 3.16%.
3.16% - 0.10% fees = 3.06% (3.10% 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.