Lightyear is an investment platform built to make investing simpler, clearer, and lower cost. The focus is on fair pricing with no hidden charges, £0 commission (fund manager fees apply), £0 account fees, and a low 0.1% FX fee on all personal accounts. The platform also pays up to 3.75% AER (as of 15-July-2026) interest through Cash ISA, with everything designed to keep more of your money working for you. Lightyear keeps costs down by reducing unnecessary middlemen and automating processes, so there are fewer layers taking a cut. The approach is simple, what you see is what you get, small and transparent fees for things like foreign exchange and interest earned through Vaults. You can invest and save in one place, with options like ISAs, general investment accounts, and business accounts, along with a range of asset types depending on how you want to grow or manage your money. Security is taken seriously, customer money is held separately from the business and stored with NatWest and qualifying money market funds. Lightyear is authorised and regulated by the Financial Conduct Authority and protected by the Financial Services Compensation Scheme for eligible funds. The platform is designed to be easy to use with quick access to your money and simple withdrawals, while also being clear about the risks, investing can go down or up and isn’t guaranteed, ISA rules apply. Lightyear is not a bank, it’s an investment platform built to give more people access to financial markets. Today, only around 10% of people in Europe invest, and the goal is to change that by making investing more accessible, transparent, and easier to understand. Lightyear is now live in 25 countries across Europe, with a clear aim, help more people start investing and build long term wealth.