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Help centre / Deposits, conversions & withdrawals / 

How long do deposits take and what do they cost?

The time it takes for Lightyear to receive funds you send depends on things like:
  • The currency you’re sending
  • Payment method used
  • When the deposit was sent (e.g. banking hours, weekends, bank holidays, etc.)
  • The amount
Lightyear doesn’t charge for local bank transfers but there may be fees from your sending bank or for different payment methods. See the relative costs in the table below.
CurrencyPayment MethodEstimated timeReceiving fees
EURSEPA0 – 2 business daysFree
SEPA instant0 -2 hoursFree
Debit card, Apple Pay, Google PayInstantFirst €500 lifetime free, 0.5% after
SWIFT3 – 5 business daysFree*
GBPFPS 0 -2 hoursFree
CHAPS1 business dayFree*
Debit card, Apple Pay, Google PayInstantFirst €500 lifetime free, 0.5% after
SWIFT3 – 5 business daysFree*
BACSNot Supported
USDNot supported yet
*While Lightyear charges no fees for receiving transfers in, there may be some sending fees charged by your sending financial institution, it’s always best to clarify directly with them before sending if unsure. Read more about SWIFT transfers here.
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support@golightyear.com

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The provider of investment services is Lightyear Europe AS. Please read the terms before using our services and if necessary, seek qualified advice.

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.