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Deposits, conversions & withdrawals
Managing my Lightyear account
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What is Lightyear?
Lightyear is a simple and approachable way to invest your money globally without unnecessary barriers or fees. We make investing approachable with a simple and easy to use app.
What problems are you solving?
- Expensive and opaque fee structures: Traditional players often have hidden and high cost fees
- Limited access to markets: Local brokers often offer bad access to global markets
- Limited information and education: Typically lacking or hard to understand
We’re at the beginning of our journey and haven’t solved the entire problem just yet, but believe that we’re already Lightyears ahead of the incumbents.
What do you offer?
We give you access to:
- A multi-currency account to deposit, hold and convert across three different currencies. Find out more by reading the “How does your multi-currency account work?” article here.
- Access to over 3000 global stocks and ETFs. This list is continually growing.
Our mission does not stop there as we also believe in helping you become a better investor. To do this, we’re building bespoke tools that are tailored to your needs, no matter if you’re at the beginning of your investment journey or a seasoned expert.
In the app you’ll find:
- Custom charts
- Instrument fundamentals
- Analyst ratings & price targets
- Financials, news and more
We’re passionate about continuously evolving and ensuring you have the best tools available at your fingertips. Our services vary depending on where you are based. To find out exactly what you’ll have access to, check out our offered services article.
How much does it cost?
Visit our “Fees and taxes” article for more on the cost of using Lightyear.
What services do you offer and who is eligible?
You have to be 18+ and an eligible person currently residing in the United Kingdom or select European countries to use our service today. We’re working hard on increasing this eligibility. Read more about what you’ll need to sign up here.
If you are a tax resident of the United States, unfortunately we can’t offer you our products or services just yet.
Products or services available to you vary depending on where you reside, see the below:
We unfortunately can’t offer you our services If you reside outside of the UK or the above listed EU countries but, fear not, we’re working hard on expanding.
Change in deposit methods for UK customers
For customers with an address in the United Kingdom who completed sign up on or before 14 September 2022, these changes came into effect on 15 October 2022.
We’ve recently changed our payment partner for UK customers which means that soon all customers will have:
- Faster weekend deposit processing
- Access to UK and EU stocks
- Access to ETFs
- Ability to deposit via Apple/Google pay and cards
With these exciting upgrades there’s an important change to note: Your existing Lightyear multi-currency account details will no longer be active. This means that any deposits you send in future should not be sent to your old Lightyear account details, and, you should remove that information if you have it stored somewhere, such as a saved recipient in your online banking.
What happens if I accidentally send a deposit to my old details?
The funds will bounce back to your sending account. We’ve closed those accounts and so they won’t be able to accept any funds going forward.
How do I deposit going forward?
You’ll find the correct payment methods within the Lightyear app. You can make a fast and secure in-app bank deposit using TrueLayer, or, use another of the listed methods such as Apple / Google pay or cards. Read our Deposits article for more information on these.
Will I get new personal account details to deposit directly myself?
We’re working on issuing you with new details soon and will update you once these are available.
Download the app and start investing now
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.