{"id":479990,"date":"2023-02-24T12:01:11","date_gmt":"2023-02-24T12:01:11","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=479990"},"modified":"2026-03-26T13:36:35","modified_gmt":"2026-03-26T13:36:35","slug":"lightyear","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/lightyear","title":{"rendered":"Lightyear investing review 2026"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3100!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/lightyear.com\/en-gb\" class=\"luna-button luna-button--primary\">Return to Lightyear<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><h2 id=\"section_heading_0187b0cce2\" class=\"section-heading\">\n            How we rated Lightyear's investment features\n    <\/h2>\n<table id=\"best\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Lightyear offers decent value and is a low-cost investing option.<\/td><\/tr><tr><th scope=\"row\">Investment choice<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>It offers a solid range of investments.<\/td><\/tr><tr><th scope=\"row\">Safety and security<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Overall, Lightyear offers a secure place to invest.<\/td><\/tr><tr><th scope=\"row\">Account types and products<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>The platform is somewhat limited when it comes to account types.<\/td><\/tr><tr><th scope=\"row\">Ease of use<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.9<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Lightyear offers an excellent investing experience that most customers seem happy with.<\/td><\/tr><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Lightyear offers some useful resources and tools for investing analysis.<\/td><\/tr><\/tbody><\/table><h3>Who might Lightyear suit?<\/h3><p>Lightyear is going to be best-suited for those who want an excellently designed investing app with low fees and some useful analysis metrics. Lightyear is also one of the best options if you want to earn a decent level interest on any cash you\u2019re holding.   <\/p><p>If that\u2019s not you, why not <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">compare share trading platforms<\/a> to find the right fit to match your style.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 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<\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Hands-on test: I tried out Lightyear's investing app<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Lightyear has created an excellent investing app that I found super easy to navigate, with a few simple clicks you can start investing. It\u2019s definitely up there with one of the best-looking platforms, thoughtfully designed and really straightforward to use. <\/p><p>If you want to find out more about an investment \u2013 whether that\u2019s financials, analyst ratings and price targets or simply the latest news about a stock \u2013 it\u2019s all there clear as day and not buried deep in complex charts and statements. It now also offers zero commission investing, a low FX fee and a free stocks and shares ISA wrapper, which is a big tick, tick, tick in my book.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                        George Sweeney, DipFA\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h2 id=\"section_heading_5e1ebd43ae\" class=\"section-heading\">\n            Lightyear fees\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Platform fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">UK shares<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">US stocks<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">International shares<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Funds\/ETFs<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Foreign exchange (FX) fee<\/th><td>0.1%<\/td><\/tr><tr><th scope=\"row\">Regular investing<\/th><td>Yes (Repeat orders feature)<\/td><\/tr><tr><th scope=\"row\">Withdrawal\/deposit fee<\/th><td>\u00a30 (0.6% for fast deposit transfer with your card)<\/td><\/tr><tr><th scope=\"row\">Inactivity fee<\/th><td>\u00a30<\/td><\/tr><\/tbody><\/table><p>Lightyear burst onto the scene with 0% commission and has recently gone back to its roots. So, Lightyear is now one of the absolute cheapest places to invest in the UK. No platform fees (including using an ISA), zero commissions, and an extremely low 0.1% foreign exchange (FX) fee.<\/p><p>The Lightyear GIA and ISA offer excellent value for investors with no commissions and no platform fees, a bit of a no-brainer really! The minimum deposit for the Lightyear app is \u00a31, and the minimum investment you can make is \u00a31 with <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/fractional-shares\">fractional shares<\/a>, so it\u2019s incredibly affordable for anyone who wants to invest, even with a small budget.<\/p><h2 id=\"section_heading_9daa5796af\" class=\"section-heading\">\n            Lightyear investment choice and stocks\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Investment choice score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Asset options<\/th><td>3+<\/td><\/tr><tr><th scope=\"row\">Markets<\/th><td>3+<\/td><\/tr><tr><th scope=\"row\">Number of investments<\/th><td>6,000+<\/td><\/tr><tr><th scope=\"row\">Number of ETFs\/funds<\/th><td>400+<\/td><\/tr><tr><th scope=\"row\">Fractional shares<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Minimum deposit<\/th><td>\u00a31<\/td><\/tr><tr><th scope=\"row\">Minimum investment<\/th><td>\u00a31<\/td><\/tr><\/tbody><\/table><p>Lightyear may not be for you if you want complete access to whole international markets. But, if you wish to access the most popular and largest stocks across exchanges like the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/invest-in-nyse\">New York Stock Exchange (NYSE)<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/how-to-invest-in-nasdaq\">Nasdaq<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/invest-in-london-stock-exchange\">London Stock Exchange (LSE)<\/a> \u2013 Lightyear will likely have investments to interest you.<\/p><p>Currently, the platform has over 6,000 stocks, shares, ETFs and money market funds (MMFs). These investments are from the UK, the US, Europe and other countries (like China). The Lightyear stock list is continuously expanding, so don\u2019t be surprised to see more investments available as time passes. Some investments are only available in the GIA and not the ISA, and not all shares are available as fractions.<\/p><h2 id=\"section_heading_edd9c7c0b7\" class=\"section-heading\">\n            Is Lightyear safe?\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Safety and security score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Biometric login\/2FA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FCA regulated<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FSCS protection<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">SSL certificate<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Public company<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Lightyear is regulated by the Financial Conduct Authority (FCA) and it now comes with full <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme (FSCS)<\/a> protection. This means that funds of up to \u00a3120,000 are covered should Lightyear go bust.<\/p><p>With Lightyear, customer funds sits separately to their money and is held in Natwest and Qualifying Money Market Funds (QMMFs).  <\/p><h2 id=\"section_heading_f0d076ec4e\" class=\"section-heading\">\n            Lightyear account types and products\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Account types and products score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">General investment account (GIA)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Stock and shares ISA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Self-invested personal pension (SIPP)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Lifetime ISA (LISA)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Junior ISA (JISA)\/Junior SIPP (JSIPP)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Business Account<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Interest on cash balances<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>As it stands, Lightyear offers a: <\/p><ul><li>General investment account (GIA)<\/li><li>Business account<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">Stocks and shares ISA<\/a><\/li><li>Cash ISA<\/li><\/ul><p>The introduction of a fleixble stocks and shares ISA was a recent and welcome addition to the Lightyear platform. With a combination of a stocks and Shares ISA plus a <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas\">cash ISA<\/a>, Lightyear is a much more attractive option for savers and investors in the UK. <\/p><p>There\u2019s no platform fee to use the stocks and shares ISA (which is brilliant) and because it\u2019s fleixible, you can make withdrawals and replace the money during the same tax year without eating into your yearly allowance. <\/p><p>The Lightyear cash ISA also pays an extremely attractive interest rate tracking the Bank of England (BoE) base rate and it says money is held in UK banks and qualified money market funds (QMMFs).<\/p><p>Because Lightyear now offers the option to use a free stocks and shares ISA wrapper, it makes it on of the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps\">best trading apps<\/a> in the UK if you\u2019re looking to invest as there\u2019s no commission or platform fees. <\/p><p>As it stands, there\u2019s no <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">self-invested personal pension (SIPP)<\/a> or junior accounts, but Lightyear is always looking to expand the options offered on the platform.<\/p><p>Outside of the ISAs, Lightyear also offer free multi-currency accounts for US dollars and Euros.<\/p><h3>Lightyear Vaults<\/h3><p>Lightyear offers a seperate investment product it calls \u201cVaults\u201d where you can earn a higher rate of interest. These Vaults are basically BlackRock Money Market Funds, a low-risk short-term investment with an interest rate that follows the corresponding central bank. <\/p><p>You can invest in the Vaults from just \u00a31 and interest is earned daily, but paid monthly. You\u2019re not tied into anything and you can withdraw funds from the Vaults whenever you want (usually same day). You\u2019re also able to choose between GBP, USD, or EUR and get a varying level of interest. <\/p><h2 id=\"section_heading_964904cef5\" class=\"section-heading\">\n            Lightyear ease of use\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Ease of use score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.9<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Apple iOS rating<\/th><td>4.7\/5<\/td><\/tr><tr><th scope=\"row\">Google Play rating<\/th><td>4.6\/5<\/td><\/tr><tr><th scope=\"row\">Ways to contact customer service<\/th><td>Email<\/td><\/tr><tr><th scope=\"row\">UI\/UX<\/th><td>Good<\/td><\/tr><tr><th scope=\"row\">Desktop or mobile app<\/th><td>Both<\/td><\/tr><\/tbody><\/table><p>Lightyear scored fairly well in our ease of use assessment. Most reviewers on the App Store and Google Play speak positively about the platform and you can invest using either the mobile or desktop app.<\/p><p>On the App Store, Lightyear scores 4.7 out of 5, and on Google Play it scores an equally impressive 4.6 out of 5 (as of October 2025). <\/p><p>Our only major criticism is that the only way to get hold of customer support is via email. <\/p><h2 id=\"section_heading_c5f3ff9f3d\" class=\"section-heading\">\n            Lightyear customer reviews\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Score<\/th><th scope=\"col\">Rating<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Trustpilot<\/th><td>4.7\/5<\/td><\/tr><\/tbody><\/table><p>Trustpilot reviewers gave Lightyear a high 4.8 out of 5 \u201cExcellent\u201d rating from over 1,000 reviews (as of October 2025).<\/p><h2 id=\"section_heading_54cc692b22\" class=\"section-heading\">\n            Lighyear tools, resources and features\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Analysis features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Tools for investing\/trading<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Social features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Learning resources<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Additional Features<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Lightyear does a great job providing some decent research and trading tools while keeping everything sleek and simple for interacting. Relatively recent additions include the \u201cinsights\u201d feature that shows you which sectors, companies and countries you\u2019ve invested in, and a portfolio profit and loss explainer.<\/p><p>It\u2019s straightforward to select a stock, and as you scroll down, you\u2019ll see:<\/p><ul><li>Current metrics<\/li><li>Analyst ratings and price targets<\/li><li>Company financials<\/li><li>Upcoming events (where you can also see previous dividend payments)<\/li><li>Company news and basic info<\/li><li>Similar stocks<\/li><\/ul><p>Considering so much info is available, it\u2019s presented in a highly digestible format that\u2019s easy to understand.<\/p><p>Lightyear also introduced limit orders on the platform. But that\u2019s the only <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/trading-order-types\">trading order type<\/a> currently available (other than market or repeat orders). This is part of the reason why it doesn\u2019t come with advanced charting tools, it would be too much information for the actions you can take.<\/p><p>A recent addition to the Lightyear platform was the introduction of social features with the option to share some of your portfolio details or keep things private, here\u2019s how the new changes work:<\/p><ul><li><strong>Follow your friends.<\/strong> You can now opt-in to view and follow your contacts on Lightyear (if they\u2019ve opted in too). As part of this, you\u2019ll be able to choose to have a private or public profile on the platform.<\/li><li><strong>Hide portfolio values.<\/strong> The privacy part of this equation means you can show off your portfolio without revealing all your finances. Tapping the \u201ceye\u201d icon next to your portfolio means you can show your investments and their performance without revealing sensitive information about your money.<\/li><\/ul><h3>Lightyear AI tools<\/h3><p>The latest addition to Lightyear\u2019s fantastic range of tools and analysis features was the introduction of the Lighyear AI \u201cInvestment intelligence\u201d to provide AI-driven market insights to give you a better understanding of why your portfolio holdings have moved without you needing to spend ages digging around all the financial news outlets. <\/p><p>It also provides some bull and bear opinions on the outlook for a particular stock, which can be a handy piece of information to use alongside your own research.<\/p><h3>How to sign up to Lightyear<\/h3><p>It\u2019s dead simple to sign up and open an account with Lightyear, just follow these steps:<\/p><ol><li><strong>Sign up to Lightyear.<\/strong> You can download the mobile investing app on the App Store or Google Play Store. Or, get started with the desktop platform on the Lightyear website.<\/li><li><strong>Provide basic information.<\/strong> You\u2019ll need to submit your mobile phone number (for a text verification) and your registered address.<\/li><li><strong>Answer some more questions.<\/strong> Lightyear will ask for your living and tax residency. You\u2019ll need your national insurance (NI) number if you select the UK.<\/li><li><strong>Pass identification checks<\/strong> Once you\u2019ve provided your basic details, Lightyear will request to take a photo of a current ID (e.g driving licence or passport). The app will then prompt you to take a selfie to complete the verification process.<\/li><li><strong>Deposit into your account and start investing.<\/strong> You can kick things off by depositing just \u00a31 into your account and then invest as you like.<\/li><\/ol><p>In summary, you\u2019ll likely need the following info to get set up:<\/p><ul><li>Name<\/li><li>Date of birth<\/li><li>NI number<\/li><li>Citizenship declaration<\/li><li>Phone number and email<\/li><li>Current ID<\/li><\/ul><p>Lightyear can verify and open your account almost instantly if you can provide all the required details.<\/p>\n        \n            <h3>What do customers say about Lightyear?<\/h3>\n        <p>70% of customers we <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps#customer-satisfaction\">surveyed<\/a> in 2026 would recommend Lightyear to a friend.<\/p>\n        <p>It's viewed as a fast, reliable, and easy-to-use modern investment app. Users appreciate the prompt communication and the flexibility to invest in both stocks and crypto. It is considered a strong brand with a good overall offering.<\/p>\n<p>However, some users feel the interest rates on uninvested cash could be better, and a few found the platform slightly complicated or \"average but unspectacular\" compared to other options on the market.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                                    \n            <h3 id=\"awardspanel\">Lightyear and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Lightyear was named our 2025 Beginners Investing Provider of the Year Award winner!<\/p>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h2 id=\"section_heading_af90cef809\" class=\"section-heading\">\n            Frequently asked questions\n    <\/h2>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is Lightyear investing legit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes! The company has been reviewed and approved by UK regulators with full FSCS protection.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What is Lightyear?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Lightyear is a relatively new investing platform. With lots of established competition already out there, it\u2019s tough to stand out. But in our first-hand experience using the Lightyear investing desktop and mobile app, we found it has plenty of features to entice new customers. <\/p><p>Extremely low fees, a free multi-currency account and ISA wrapper, and competitive interest rates in Lightyear\u2019s \u201cVaults\u201d will attract both beginners and more experienced investors. But like anything, Lightyear isn\u2019t without its flaws. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Is Lightyear FCA regulated?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, Lightyear is authorised and regulated by the UK\u2019s Financial Conduct Authority (FCA).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Is Lightyear on the stock market?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, it\u2019s still a private company at this stage.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How do you withdraw money from Lightyear?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can take money out directly from the app and it\u2019s free to withdraw funds from your Lightyear account.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>The Lightyear app is a cheap option for investing in stocks and ETFs with a free stocks and shares ISA. 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13:36:40\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated the guide with Lightyear&#39;s 2026 customer satisfaction score and customer review summary.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[130087],"tags":[],"asset_tag":[],"class_list":["post-479990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-share-trading-reviews"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Lightyear investing review: Features &amp; fees explained | Finder UK<\/title>\n<meta name=\"description\" content=\"The Lightyear investing app is pretty cheap for investing commissions, offers a cash 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