Here’s what you’ll get:
- 3.82% APY on GBP and 3.67% APY on USD (both variable, net of fees, as of July 22, 2026)
- Interest earned daily, paid out monthly
- Easy access withdrawals, most happening instantly
- Lightyear's fee of 0.10% for GBP, 0.15% for USD
- Powered by J.P. Morgan Asset Management
How Savings works
Savings for USD and GBP works the same way as it does for euros. Your money is invested into a Money Market Fund (MMF) managed by J.P. Morgan Asset Management. The interest tracks its respective central bank rate trends: the Bank of England base rate for GBP, and the US Federal Reserve rate for USD.
Each currency runs through a dedicated J.P. Morgan fund: the JPMorgan GBP Liquidity LVNAV Select fund for pounds, and the JPMorgan USD Liquidity LVNAV Select fund for dollars.
Like the euro fund, both are AAA-rated and sit at a risk level of 1/7 on the SRRI (Synthetic Risk and Reward Indicator). For comparison, a government bond typically sits at 3/7, and a global stock index fund at around 6/7.
Where Savings comes into play
If you're holding dollars or pounds while you decide what to invest in next, or simply keeping a portion of your portfolio in something lower-risk, Savings can help you out. Your money earns yield from day one and stays accessible whenever you need it.
Idle cash is one of the most common things holding people back from making their money work harder. Savings is here to solve that, simply and transparently, across all three major currencies.
For personal and business investments
Savings can be useful whether you're investing personally or managing cash for a business. For individuals, it's a straightforward way to keep your dollars or pounds working while you decide what to do with them next.
For businesses, Money Market Funds are a well-established treasury management tool. Idle cash sitting in a current account between payroll runs, vendor payments or reinvestment earns close to nothing. Lightyear Business accounts give you access to the same low-risk, highly liquid MMF structure, with transparent fees. Learn more about MMFs for your business.
Disclaimer
Investing involves risk. Terms apply, seek guidance if needed. Savings is an investment product, with variable daily yield. Rates shown are net of fees and correct as of July 22, 2026. When earning interest through an investment product, your tax circumstances might change compared to interest on uninvested cash.