# Better returns start with lower fees The multi-award winning investment platform that pays [2.22% APY interest](/vaults). Enhanced with [Lightyear AI](/lightyear-ai). Regulated by EFSA Invest in stocks & funds from around the world with Lightyear. Low cost, no order fees for ETFs and AI-powered market data tools. ## Earn high interest Put your money to work in our easy access, high yield Savings. ### Follows the Benchmarked against the European Central Bank's variable overnight interest rate, which is calculated daily. ### Manged by Looked after by BlackRock, the world’s largest asset manager, with over $10 trillion under management globally. ### No minimums From 1€ to infinity. We don’t limit the amount of money you can add to your 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. ## A universe of assets, made simple From stocks to funds, bonds and more, explore a vast universe of investment options, all in one place. And now with fractionals, you don't need to buy a whole share. Just pick the amount you want to invest, and you're in. Subject to availability. ### US stocks 4,000+ US stocks across the NYSE and Nasdaq. ### European stocks Invest in leading European companies, headquartered in more than 20 countries. ### UK stocks Invest in UK stocks trading on the London Stock Exchange. ### ETFs Diverse ETFs from some of the world’s largest fund managers. ### Money market funds Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest. ### Crypto 12 top-traded coins, in EUR and USD ### Baltic stocks Invest in stocks from Estonian, Latvian and Lithuanian markets. ### Baltic bonds Invest in bonds from Estonian, Latvian and Lithuanian markets. ## Automate your investing Choose a Ready-made Plan or create one yourself. For people who want to keep investing structured and low-effort. ### Ready-made Plans Three risk-based Plans, funds managed by BlackRock & Vanguard. ### Create your own Plan Automate and group your investing ## As seen in - [CNBC](https://www.cnbc.com/2022/07/14/richard-branson-takes-stake-in-lightyear-europes-answer-to-robinhood.html) - [Financial Times](https://www.ft.com/content/d3cbfa1f-d712-46b6-8595-ebe36b6c7162) - [TechCrunch](https://techcrunch.com/2022/07/14/richard-branson-backs-lightyear-as-uk-stock-trading-platform-launches-into-europe/) - [Sifted](https://sifted.eu/articles/trading-app-lightyear-transferwise) - [Mail Online](https://www.dailymail.co.uk/money/diyinvesting/article-9985949/Lightyear-app-Wise-backed-trading-app-battle-rivals.html) ## 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 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](https://www.tf.ee/en/protection-depositors/faq). Your US securities are held with our partner Alpaca, who is [FINRA](https://www.finra.org/about/firms-we-regulate/firms-we-regulate-a) regulated and a [registered](https://www.sipc.org/list-of-members) 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](https://www.sipc.org/for-investors/). Read more about how your assets are protected in our [help centre](/help/deposits-conversions-and-withdrawals/how-are-my-assets-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)](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected). 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! Savings, a separate balance on your Lightyear account, invests into money market funds and aims for a slightly higher return than cash. Savings is available in Austria, Denmark, Estonia, Finland, France, Germany, Hungary, Italy, Latvia, Lithuania (EUR only), Malta, Luxembourg, Netherlands, Spain, Sweden, and the UK through BlackRock. The interest earned is (**2.22% APY**). Through J.P. Morgan Asset Management, the product is available in Croatia, Cyprus, Greece, Ireland, Portugal, Slovakia and Slovenia, earning you (**2.24% APY**). ### 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. --- Canonical: https://lightyear.com