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INVESTINGWITH AN EDGE

Stocks, funds and earn 3.79% APY yield.
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Regulated by the EFSA
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Earn interest


OUR BIGGEST RATE YET

Put your money to work in our easy access, high yield Savings.
3.79
%APY
3.79
%APY

FOLLOWS THE

EUROPEAN CENTRAL BANK

Benchmarked against the European Central Bank's variable overnight interest
rate, which is calculated daily.

MANAGED BY

BLACKROCK

Looked after by BlackRock, the world’s largest asset manager, with over $10
trillion under management globally.

NO MINIMUMS

NO MAXIMUMS

From 1€ to infinity. We don’t limit the amount of money you can add to your
Vaults.
More about Vaults
What gives us the edge


WE DO THINGS DIFFERENTLY

From saving on fees to paying you interest, we make sure you get the most out of
your money.
Earn up to 3.79% yield

YOUR MONEY IS ALWAYS WORKING

Sitting alongside your investments, your money is earning interest. There’s no
catch. We pass earned interest back to you at the central bank rates, with a
flat fee of 0.25%.

TAKE CONTROL OF CONVERSION FEES

WE DON’T CHARGE FOR ETFS

5.38%

US dollar

3.79%

Euro

5.18%

British pound
yield rates APY
Investments on Lightyear


ASSET TYPES TO SUIT EVERY INVESTOR

Growing wealth over the long term or hedging against risk? We’ve got tools and
asset types to suit every investor.
US stocksInterestETFsEU stocksUK stocksMoney market funds

APPLE

$AAPL·Phones & Smart Phones

MICROSOFT

$MSFT·Software

ALPHABET CLASS A

$GOOGL·Search Engines

AMAZON

$AMZN·Services

NVIDIA

$NVDA·Semiconductors

TESLA

$TSLA·Electric (Alternative) Vehicles

META

$META·Social Media & Networking

3,000+ US STOCKS ACROSS THE NYSE AND NASDAQ.

The world’s largest stocks

As seen in

Safe & trusted


KEEPING YOUR MONEY SAFE

Trusting us with your investments is something we do not take for granted.
Multi-country regulationGovernment insuranceSafeguarding your assets

REGULATED IN THE UK BY THE FCA

We’re an appointed representative of RiskSave Technologies Ltd, which is
authorised and regulated by the Financial Conduct Authority (FRN 775330).

REGULATED IN THE EU BY EFSA

We’re authorised and regulated by the Estonian Financial Supervision Authority
(4.1-1/31) and authorised to operate across the European Union.
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


FRICTION-FREE ACCESS TO FINANCIAL MARKETS


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We do things differently
Asset types to suit every investor
Keeping your money safe
Simple, fair and transparent pricing


LIGHTYEAR

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© 2024 Lightyear Financial Ltd.

The provider of investment services is Lightyear Europe AS. Please read the
terms before using our services and if necessary, seek qualified advice. When
you invest, your capital is at risk.

Lightyear Europe AS is authorised and regulated as an investment firm by the
Estonian Financial Supervision Authority (Finantsinspektsioon) under activity
licence number 4.1-1/31.

Lightyear Europe is a company registered in Estonia with company number 16235024
and registered office at Volta 1, Tallinn 10412, Estonia.

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