Up to 4.50% interest on your uninvested cash

Invest in stocks, funds and more. Assets are covered up to €20,000.
When you invest, your capital is at risk
Regulated by EFSA
What gives us the edge

Earn interest on three different currencies

Up to 4.50% on USD and GBP, and 3.25% on EUR
Earn up to 4.50% interest
Your money is always working
Sitting alongside your investments, any uninvested cash is earning interest. There’s no catch. We pass earned interest back to you at the central bank rates, with a flat 0.75% fee.
Your money is always working
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Safe & trusted

Keeping your money safe

Trusting us with your investments is something we do not take for granted.
Government insuranceMulti-country regulationSafeguarding your assets
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.
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).
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 in our help centre.

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. We also don’t set our interest rate payments like banks do so we can make sure you’re always getting the best deal. We simply take the central bank rates and then pass it along directly to you, minus a flat administration fee.

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.

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

No buts, promise. The interest rate on Lightyear moves with the central bank rates - so when it goes up you get more, and when it goes down you get less. It’s also uncapped which means there are no minimums or maximums, and there are no ‘lock in’ periods. You have access to your money when you want it.

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.
Visit our Help Centre