Lightyear: Invest in stocks

Invest in the international stock market with low fees, earn interest on uninvested cash, and seamlessly switch between GBP, EUR, and USD in your General Investment Account.
Remember, capital at risk. Terms apply.
Lightyear is an investing platform founded by an ex-Wise duo, headquartered in London and operating in 22+ European countries. It provides low-cost access for individuals (and businesses in some countries) to the international stock market, plus interest on uninvested cash. Lightyear has raised over $35M in funding from international VCs and is regulated by UK and Estonian financial authorities.
GETTING STARTED
1. Download the Lightyear app (or use the web app) and open your account.
2. Deposit funds in GBP, EUR, or USD in your General Investment Account, and in GBP in both your Cash ISA and Stocks and Shares ISA.
3. Invest in companies and funds you believe in.
4. Earn interest on uninvested cash.
Capital at risk. Terms apply.
WHY LIGHTYEAR?
- Explore 4,000+ US and Europe stocks & ETFs. Invest in ETFs with no Lightyear execution fees (other fees may apply).
- Multi-currency accounts in your General Investment account: you can hold cash in your investment account in pounds, euros and dollars. These accounts are free. You only pay an FX fee once, when you’re buying and selling in that currency (instead of for every transaction, like many other companies).
- Earn yield daily (paid monthly) with Vaults starting from €1—no minimums or maximums. Managed by BlackRock, the world’s largest asset manager (over $10 trillion under management globally).
- Manage company funds with a corporate multi-currency investment account. Access the world’s markets and earn interest on uninvested cash. For businesses of all sizes in 22 countries.
- Tax-wrappers for UK (ISAs), Estonia (Investeerimiskonto) and Hungary (TBSZ) to benefit more from your investments.
SECURITY
Your cash and investments are held in a segregated client account.
Investor protection - Lightyear Europe AS customers' assets are covered up to €20,000 by the Estonian Investor Protection Sectoral Fund; US securities are covered up to $500,000 by SIPC; Lightyear UK Ltd is protected by the FSCS. In the event of Lightyear UK Ltd default, if there is a shortfall in the cash or assets returned to you, you may be able to claim up to £85,000 via FSCS.
Provider: Lightyear UK Ltd (UK), Lightyear Europe AS (EU).
Help & Support: lightyear.com/help
Important: Coverage does not protect you against losses from market movements. If unsure, seek qualified advice.
Read more here: lightyear.com/gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected
Capital at risk. The provider of investment services is Lightyear UK Ltd for the UK and Lightyear Europe AS for the EU. Terms apply – lightyear.com/terms. Seek qualified advice if necessary.