Lightyear: Invest in stocks

1.05K reviews
Content rating
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About this app

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.


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


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.


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.


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:


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 Financial Ltd for the UK and Lightyear Europe AS for the EU. Terms apply – Seek qualified advice if necessary.
Updated on
Feb 27, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 6 others
This app may collect these data types
Personal info, Financial info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

1.05K reviews
Jae Cloete
January 11, 2024
I've used many different financial apps and this one has been the easiest to navigate. Their minimum deposit is low, making it easy for anyone to start out. Also offers significant news on your watchlist which is helpful. However, one very big issue I have with it is that you can't simply add an account to withdraw money into. The account I first used to deposit has since been closed and now I can't withdraw my money unless I deposit again. Would increase star rating if this was sorted out.
6 people found this review helpful
Lightyear Investing
January 30, 2024
Thanks for your review and kind words. There are no deposit fees if you deposit via bank transfer. Depositing by card will not forward your bank account details for a withdrawal, therefore a bank transfer in is required. Read more here: & let us know if you need any help!
Dean Houlihan
September 15, 2023
App is very sleek, great design and easy to use. The fees are great in comparison with most others. Great to see they are constantly pushing updates & adding new stocks, looking forward for more to come. Needs a few more metrics/stats in portfolio section and would love the ability to create separate pies to pool stocks and lump sum invest to set weights every month. Would love to see some promo's for free stocks etc that dont involve affilates. Interest on Cash is top! Market leader! Overall A+
6 people found this review helpful
Lightyear Investing
September 29, 2023
Hi Dean, thank you for taking the time to give us your review of Lightyear. We are thrilled to read your thoughts and appreciate your kind words. We continue improving our product and services and hope to delight you with more features in the future.
Hugo Santos
January 4, 2024
Looks good, but the constant vibration when you do some action, is anoying to say the least. Can't find a way to turn it off.
1 person found this review helpful
Lightyear Investing
January 9, 2024
Hi Hugo. At the moment the vibrations depend on your device settings and there is no way to turn them off in the app. I've forwarded your feedback to our relevant team to review how we could improve this in the future. If there's anything else we can help you with, feel free to reach out to us!