# Company cash. Put to work. Stocks, funds, and AER with [J.P. Morgan Asset Management Money Market Funds](/money-market-funds). Trusted by 8,000+ companies Invest in over 6000 stocks and ETFs with a Lightyear Business Account. Put your company cash to work. ## Earn high interest Put your money to work in our easy access, high yield Savings. ### Follows the The interest tracks the European Central Bank's rate trends, aiming for a slightly higher return than cash. ### Managed by Looked after by J.P. Morgan Asset Management, one of the world's leading asset managers. ### No minimums From 1€ to infinity. We don’t limit the amount of money you can add to your Savings. ## For businesses small and large From saving on fees to paying you interest, we help you make make the most out of your company funds. ### Freelancers & sole directors Whether you’re a startup, SME or bigger business, future-proof your company’s finances in minutes with an investment account that gives access to the world’s markets with no minimum or maximum deposit criteria. ### Larger business treasury management Put your company cash in these highly liquid, low risk, interest-paying money market funds, an investment product traditionally reserved for large corporates who can buy in with a €1 million minimum investment. Instant withdrawals. ## Tools for your business Managing your company’s finances has never been easier. Extend your runway, manage foreign exchange exposure and interest-rate risk. ### Money market funds Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest. ### 6000+ Stocks and ETFs Invest in over 6000 international stocks and ETFs ### LEI registration Hassle-free Legal Entity Identifier registration for 48 € + VAT ### Automatic W-8BEN-E Automatic W-8BEN-E form filling to help you claim a reduced tax rate on dividends from US stocks ## Backed by the best We’ve raised multiple rounds of finance from leading global investors and business leaders that share our vision for the future of investing. ### Sir Richard Branson, Founder of the Virgin Group “For too long, financial markets have been overly complex with high barriers to entry and confusing jargon. Martin, Mihkel and the Lightyear team are lifting the lid on the world of investing – making it more transparent whilst empowering people through education – to choose the products which are right for them”. ### Nicole Quinn, General Partner at Lightspeed Venture Partners “Lightyear is building a platform that customers not only love and trust, but one that understands the nuances between different regulations, languages, exchanges and cultural investing norms.” ### Taavet Hinrikus, Co-Founder of Wise “With launching business accounts, Lightyear is eliminating huge pain points of long, bureaucratic onboarding as well as limited and expensive access to the global markets for a huge audience — deepening their impact on investing in Europe.” ## Keeping your money safe Trusting us with your investments is something we do not take for granted. ### Multi-country regulation - Regulated in the UK by the FCA: We’re authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)). 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 4.1-1/147) and authorised to operate across the European Union. ### Government insurance - 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. Crypto-assets are not covered by any investor compensation scheme in the EU. ### Safeguarding your assets - We safeguard your cash with authorised banks & financial institutions: Customer funds are held in a mix of AAA-rated BlackRock and J.P. Morgan Asset Management Money Market Funds and cash in authorised commercial banks. Your money is always kept separate from ours. - Your assets are yours, no one else’s: Your assets are yours, no one else’s. You are the owner of all your investments, and your assets are held in separate accounts. Your assets can’t be touched by our creditors and in the unlikely event of Lightyear’s insolvency, everything is returned to you. Your crypto-assets are no different. ## Questions we’re often asked ### Who can open a business account? Business accounts are available for companies with single and multiple shareholders in Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain and the UK. The business accounts must meet our [required terms of service](/terms-business) / operate in a non-high risk industry. We cannot accept certain types of legal entities such as charities, trusts and foundations. The person opening the account must reside in a country in which Lightyear is already available for personal accounts (see [Can I open a business account?](/help/business/can-i-open-a-business-account)). If you have more than one business, you can open multiple business accounts with us. ### How do I open a business account? It’s super quick and easy to open up a business account. You need to have your LEI code to hand. If you don’t have an LEI code yet, you can generate one right in the Lightyear app. Just jump into the app, navigate to your profile from the top left corner, and you're there. If you don’t currently have a personal account with Lightyear, you’ll need to set that up first. See [Opening an account](/help/getting-verified/opening-an-account). ### How much does it cost to open a business account? It’s free to open up a business account! We also don’t charge any custody or monthly fees. Investing through a business is low-cost and priced just like investing from your personal account. We also pay interest on uninvested cash for businesses too. Check out our full pricing information [here](/pricing). ### Can I claim US tax treaty benefits? You can claim US tax treaty benefits, but it’s optional. Uploading a W-8BEN-E allows you to reduce the tax you pay on dividends from US instruments, but there’s no benefit to that if you: - Invest in non-US instruments - Invest in non dividend paying US stocks - Hold & convert cash We fill in the W-8BEN-E form for you automatically. All you need to do is answer a few questions in the app, and we’ll generate the PDF form for you right there. ### Why do I need a Legal Entity Identifier (LEI)? A Legal Entity Identifier, also known as an LEI, uniquely identifies your business. It's required by law for businesses trading stocks in Europe. If you’ve already registered an LEI — we’ll find it for you during onboarding, all you need to do is confirm the details. If you don’t yet have an LEI, you can generate one within the Lightyear app for 48 € + VAT. --- Canonical: https://lightyear.com/en-ie/business