If the address on your Lightyear account is in the United Kingdom, you can deposit up to £500 for free by debit card, Apple Pay, and Google Pay with a 0.5% fee after this lifetime limit has been reached. Deposits by these methods are counted in combination towards the lifetime limit. For example, if you’ve deposited £300 by debit card, and £200 by Apple Pay, you’ve reached your lifetime limit. As well, if you go over the free limit within a transaction, we only will charge the fee on the amount over the free limit.
We only accept personal debit cards that:
- Are in the name of the Lightyear account holder
- Have a Visa or Mastercard logo
- Have 3DSecure (Verified by Visa or Mastercard Securecode) active
- Are issued in the same country as the address on your account
- Are not a business, corporate, or prepaid card
You can’t cancel deposits paid by card that have been completed, and any deposited funds can only be withdrawn to a bank account you’ve successfully deposited from previously.
To find out how long your card deposit may take, see "How long do deposits and withdrawals take and what do they cost?".