Capital at risk.
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 to the international stock market, and interest on uninvested cash.
Individuals – as well as businesses in some countries – can download Lightyear’s cash & stock investing app, and open a multi-currency account. From there, you can deposit, hold and invest your cash into the world's stock markets in EUR, GBP and USD. Your uninvested cash will benefit from the central bank’s rate minus a fixed 0.75% fee. The cash & stock app is available for both Android and iOS users. Lightyear also has a web platform from which you can access your stocks and shares, invest and market-watch.
To get investing – just download the app, open your multi-currency investment account, and type in the ticker or company you’re interested in investing in! And remember, the cash you don’t use to invest will earn interest.
MULTICURRENCY ACCOUNTS
Invest in the international stock market – Lightyear connects with the world’s largest exchanges across Europe and the US so you can invest in international stocks and shares.
GBP, EUR, and USD – 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 interest on uninvested cash – the money you’re not using for stock trading will benefit from an interest rate that moves with the Central Bank Rate (see current rates on uninvested cash at lightyear.com/pricing).
FUNDS & STOCK TRADING:
Stock trading – invest from a choice of over 3,500 international stocks and funds.
Market-watch – research by stock ticker and add your favourite stocks and shares to your market-watch list.
ETFs – invest in exchange traded funds from Vanguard, Amundi, iShares, and more, on the most popular indexes.
Stocks and shares – fractional shares in US stocks available.
LIGHTYEAR STOCK INVESTING APP WON ‘BEST UX OF THE YEAR’
We won the "Best UX of the Year” award from Altfi in 2021 for our stock investing app.
Our cash & stock app is available in 22 countries.
SECURITY AND REGULATIONS
Your assets – both cash in your account and your securities (all your stocks and shares) - belong to you, not Lightyear. They’re held in a clients' assets account on your behalf.
Your assets are covered up to the amount of 20,000 EUR by the Estonian Investor Protection Sectoral Fund.
US securities are protected up to the value of 500,000.
Protection does not cover losses from investing in the stock market.
Read more here: lightyear.com/gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected
COMPANY BACKGROUND
Ex-Wise duo Martin Sokk and Mihkel Aamer founded investment platform Lightyear in 2020.
INVESTMENTS AND LAUNCHES: Taavet Hinrikus, co-founder and Chairman of Wise, was Lightyear’s angel investor in its 1.5m pre-seed investment round. Lightyear launched in the UK in September 2021, raising an additional 8.5M in investment, led by Mosaic Ventures. The investment platform then launched in 19 countries in Europe, in July 2022, having raised 25 million in its Series A round of investment, led by U.S. venture capital firm Lightspeed; other notable investments included Virgin Group, which counts Richard Branson as its sole shareholder.
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.
This update includes several small improvements and fixes, as well as some nice updates to core features like the Watchlist.
A small update to fix the tiniest of bugs.
This is yet another small, but important release in order to help your app run smoother than ever.
This update contains improvements to performance, accessibility, and, as always, a bunch of small fixes.
This update contains improvements to performance, accessibility, and, as always, a bunch of small fixes.
This update brings several small bugfixes that we've had the time to fix over the holidays. See you next year!
This update, boringly, again includes some important fixes for some of our latest features.
This update includes a few extra fixes on top of our previous release!
We’re always here for you at support@lightyear.com for more feedback!
Say hello to Lightyear's fresh new look! It's been a good run, but it's time to say goodbye to blue as we bring Lightyear back to the future with a fresh, reimagined design of our mobile app.
Another release that consists of small improvements and fixes that enhance the overall experience of using Lightyear!
We’re always here for you at support@lightyear.com for more feedback!
We have focused on fixing all the small things around our app to make your experience even better!
We’re always here for you at support@lightyear.com for more feedback!
This release consists of small technical updates that make small but meaningful differences. Stay tuned for more updates soon enough!
This release consists of small technical updates that make small but meaningful differences. Stay tuned for more updates soon enough!
This release consists of small technical updates that make small but meaningful differences. Stay tuned for more updates soon enough!
We’re always here for you at support@golightyear.com for more feedback!
We put most of our effort into fixing small things all around the app and making sure the app runs as smoothly as possible!
* Updates to instrument view
* Business Onboarding tweaks
* Small visual fixes
We’re always here for you at support@golightyear.com for more feedback!
- Added option to download trade confirmations straight from the app
- Fixed a bug where switching themes did not work correctly
- Fixed a bug where opening the app from push notifications could cause the app to freeze
- Added option to filter the personalised news feed by articles or videos
We’ve put together a rather boring, but important release. Here’s a portion of what’s included:
* Fixed some minor issues with opening Lightyear links with the app.
* Fixed portfolio chart not getting refreshed when opening the app from the background.
* Small deposit flow upgrades.
* Fixed stock name overflow in activity details.
We’re always here for you at support@golightyear.com for more feedback!
This update brings you some nice performance updates. We have improved our app startup time and several underlying [list technical terms] improvements to make the app smoother than butter.
PS: we also fixed the pending order activity details screen.
We're always here for you at support@golightyear.com for more feedback!
Remember the times we promised new features? Here you go!
* NEW: Portfolio Insights - head over to the portfolio tab to see an x-ray of your portfolio. More improvements are on the way!
* NEW: Portfolio P&L breakdown - see how your p&l is calculated
* Incredibly minor fixes that only deserve a collective mention - minor fixes.
We’re always here for you at support@golightyear.com for more feedback!
If an app gets some small fixes on the backend and no one really notices them, do they make a difference? Well, yes. Yes, they do.
More new features coming soon though.
- Fixed a bug where account statements could not be generated
- Improved onboarding for businesses
One of those boring releases, where we write "This version includes several bug fixes and performance fixes," while also promising we did a lot of work under the hood for future features (we really did).
This version includes several bug fixes and performance fixes.
One of those releases, where we are getting things ready behind the scenes.
- Improved search functionality
- Add split/reverse splits corporate event support
- Various fixes
* Fixed a bug with Easy Transfers
* Fixed a bug with Document Upload
Fix a crash for older android versions.
* We have updated the conversion design. It is prettier now. Also fancier.
* Preparing for a new feature on the instrument detail screen.
* Fixed some rounding issues here and there. (rounding numbers, not the shape)
* Crushed some bugs in reward claim flow.
* Updated small UI elements for easy transfer confirmation screen, when depositing on weekends.
* Beep-boop code updates to things that make the app run smoothly.
We found an issue with biometrics security that we decided to fix quickly, so here's a surprise update!
New day new update, heh heh heh.
We were so eager to bring you new stuff this time, that we forgot to include all of them in our last release! But here it is, the real release, with real new features. All we're asking is a bit more patience, but it's worth it!
New year, new update. This update packs a lot of improvements and bug fixes with a hefty amount of preparation for upcoming features.
* UK users can now use postcode for address auto-completion during onboarding.
* You can now see all lightning updates, not just for the stocks you own or watch.
* Updated the design of price targets.
* Lightyear loading spinner is back!
* Year and YTD have been swapped in charts.
* Performance and memory usage improvements.
* Fixed currencies sorting.
### Changed
- Improved onboarding flow
- Improved experience on small screens
- Re-organised settings screens
### Fixed
- Fixed a bug where adding and then immediately removing an instrument from the watchlist was not working.
