Investingwith an edge
Stocks, funds and up to 5.12% interest.
Free TBSZ
The long-term tax-free investment account. No opening, holding or withdrawal fees.
No execution fees on ETFs
No execution or custody fees from us. Some fund managers charge their own fees. No FX fees if using local currency.
Earn up to 4.31% interest
As well as interest on uninvested HUF, you can grow your EUR, USD, and GBP with Savings Vaults. This is an investment product, daily variable rates.
How we stack up
Low cost pricing
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 | 350 Ft | 199 Ft | 0.25% per year min. 1190 Ft |
TBSZ opening fee | Free | Free | Free | Free |
TBSZ holding fee | Free | 350 Ft/month | 199 Ft/month | From 0.18% per year min. 1190 Ft |
Currency conversion (FX) | 0.35% | ~0.7% | 1% | Variable Based on amount & currency |
ETFs - execution fee | Free | 0.35% €7 min | 0.12% - 0.34% €6.99 | 0.485% |
US stocks - per order | $1 max 0.1%, min $0.10 | 0.35% $7 min | 0.12% – 0.34% $6.99 min | 0.5% |
EU stocks - per order | €1 | 0.35% €7 min | 0.12% - 0.34% €6.99 min | 0.5% |
UK stocks - per order | £1 | 0.35% £7 min | 0.45% £7 min | 0.5% |
Pricing comparison of other providers accurate as of 17th March 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.
something for every investor
Invest and save
Enjoy tax-free growth after 5 years with TBSZ, or grow your money flexibly with our General and Business accounts.
For the long term investor
TBSZ
- No fees to open, hold or withdraw
- No execution fees on ETFs
- 4.31% APY through Savings
General Account
- No execution fees on ETFs
- Multi-currency account
- 5.12% APY on uninvested HUF
Put your company cash to work
Business Account
- Trusted by 3500+ businesses
- BlackRock Money Market Funds
- Hold GBP, USD, EUR, and HUF
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.
4,000+ US stocks across the NYSE and Nasdaq.
Explore US stocksThe world’s largest stocks
Supercharge your savings
Every account can pay interest
TBSZ and General Account
4.31% APY on USD
- Daily variable rate
- Hold GBP, EUR, and USD
This is an investment product backed by BlackRock.
General Account
5.12% APY on HUF
- Earn interest on uninvested HUF
- Hold GBP, EUR, HUF, and USD
Lightyear for Business
4.31% APY
- Daily variable rate
- Hold GBP, EUR and USD
This is an investment product backed by BlackRock.
As seen in
Safe & trusted
Keeping your money safe
Trusting us with your investments is something we don’t take for granted.
EU investor protection up to €20,000
Your assets are covered up to €20,000 by the Estonian Investor Protection Sectoral Fund. We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31) and authorised to operate across the EU.
SIPC protection for US securities 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). Learn more about SIPC.
Frequently asked
Questions a curious investor might ask
How do you keep my money safe?
Trusting us with your money is not something we take for granted. Lightyear Europe AS is a licensed investment firm and as such is bound by strict regulatory obligations in how we handle and protect your assets.
Customer assets always sit separately to our own and are held by authorised custodians. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.
Lightyear customers have their assets covered up to the amount of 20,000 EUR by the Estonian Investor Protection Sectoral Fund. Read more about this fund here. Your US securities are held with our partner Alpaca, who is FINRA regulated and a registered member of the SIPC. This means your US securities are protected up to the value of $500,000 should Alpaca fail. You can read more about this directly on the SIPC website.
Read more about how your assets are protected.
Is Lightyear a bank?
Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms (see here). With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this.
Why are your fees so reasonable? How do you make enough money?
We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount.
Do you offer interest?
Yes! There's two ways you can earn interest with Lightyear.
Savings – a separate balance on your Lightyear account – invests into BlackRock's money market funds and offers interest in three currencies, with same or next day liquidity. The current rates for Savings are 2.11% on EUR, 4.38% on GBP, and 4.31% on USD (APY).
Your uninvested cash will also earn interest — 0.50% on EUR, 2.50% on GBP and 3.00% on USD (APY). For more information, check out our pricing page.
How easy is it to withdraw my money?
Easy. We ensure you always have access to your money and we’ve made the process pretty painless for when you need to withdraw. The transfer times depend on the payout method you’re using but never longer than a day or two. For GBP, EUR, and HUF, your funds typically arrive on the very same day. For USD, your funds typically arrive within two days.