Interest onuninvested cash

Put your money to work in our instant access multi-currency accounts.
0.75
%APY
0.75
%APY
Earned daily,
paid montly
You’ll start earning interest on the same day as your deposit hits your Lightyear account.
Multi-currency
accounts
Hold in 3 different currencies (EU, USD, GBP) and generate interest in all of them.
No minimums
No maximums
From €1 to infinity. We don’t limit the amount of money you can add.
INTEREST CALCULATOR
You could earn
€7.47
€7.47
YearlyMonthly
Forecasts aren’t a reliable indicator of future performance. For simplicity, this calculation assumes the interest doesn’t change.
Interest - ed?
From saving on fees to paying you yield, we make sure you get the most out of your money.
EARN 0.75%% INTEREST…
Instant access in 3 currencies

Lightyear gets paid interest for holding customers' money and at a rate typically not available to retail customers. We have decided to pay this forward to you transparently. Latest interest rates are available in our Help Centre.

Interest earned daily, paid monthly
Light speed deposits & withdrawals (with no fees)
Safe & trusted
Keeping your money safe
Trusting us with your investments is something we do not take for granted.
Multi-country regulationGovernment insuranceSafeguarding your assets

Regulated in the UK by the FCA

We’re authorised and regulated by the Financial Conduct Authority (FRN 987226). Lightyear UK Ltd is a company registered in England and Wales with company number 14367910.

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 investor might ask

How do you keep my money safe?

Is Lightyear a bank?

Why are your fees so reasonable? How do you make enough money?

Are there really no "buts" to your interest rate? What’s the catch?

How easy is it to withdraw my money?

Visit our Help Centre