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Lightyear: Invest in stocks 4+
Investing with an edge
Lightyear Financial Ltd
Designed for iPad
-
- Free
Screenshots
Description
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. 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 Financial Ltd for the UK and Lightyear Europe AS for the EU. Terms apply – lightyear.com/terms. Seek qualified advice if necessary.
What’s New
Version 3.43.1
Bug fixes and performance improvements.
Ratings and Reviews
Much better than Freetrade
This is probably the best beginner friendly trading app in the UK, and certainly much better than Freetrade.
Opening an acorn is easy, deposits are instant and most importantly withdrawals only take a few minutes to see the money in your bank!
The UI is very sleek and the app is easy to navigate.
I wish there was a stop loss feature which I rely on to limit my losses. Otherwise an excellent app. Well done.
Elegant UI
Very smooth user experience both onboarding and execution - limited on company fundamentals and charts however that’s not where the power of this app is and completely fair to not be a focus as adding too much could destroy the elegance of the app. Absolutely has a place in overall investing strategy - watching with interest as more entities are added.
Fantastic App
Amazing UI but I wish they could add an ISA, that would be increase customers massively. Also fractional ETFs.. and guess what would be even better, a Lightyear debit card like T212 have just released. Most of you guys managed to create Wise, I’m sure you could pull this one off too.
Developer Response ,
That's some great feedback – thank you for taking the time to share your thoughts! Both fractional ETFs and ISAs are something we are committed to bringing you and we hope we can offer these soon.
App Privacy
The developer, Lightyear Financial Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Privacy practices may vary based on, for example, the features you use or your age. Learn More
Information
- Provider
- Lightyear Financial Ltd
- Size
- 141.7 MB
- Category
- Finance
- Compatibility
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- iPhone
- Requires iOS 12.0 or later.
- iPad
- Requires iPadOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Mac
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2023 Lightyear Financial Ltd
- Price
- Free
Supports
-
Wallet
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