Training Example: Lightyear – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[IMG: FSCS protected & FCA regulated]
FSCS protected & FCA regulated
[H1] Better returns start with lower fees
2 min intro£0Commission£0Account fees0.1%FX fee
[IMG: 2 min intro]
2 min introThe multi-award winning investment platform that pays up to 3.78% AER interest. Enhanced with Lightyear AI. Get startedWhen you invest, your capital is at risk Our trusted partnersFrom people who helped build
[H4] Commission-free
[H3]
No account, execution or custody fees. Just a 0.1% FX fee if you convert currency.See how we compare
[H4] Award-winning ISAs
[H3]
The same Lightyear experience that customers love, wrapped in a tax-efficient flexible ISA.View our Stocks & Shares ISA
[H4] 3.78% interest
[H3]
Easy access Vaults with no withdrawal penalties. This is an investment product with daily variable rates.More infoHow we compareLow cost pricingFor too long, UK investors have got the short end of the stick. Sky-high fees on one side, illusive
promises of ‘free trading’ on the other. This ends with Lightyear. With us, what you see is what you get.View our pricingCompare Lightyear
[IMG: Trading212]
[IMG: Trading212]
[IMG: Hargreaves Lansdown]
[IMG: Hargreaves Lansdown]
[IMG: Interactive Investor]
[IMG: Interactive Investor]
[IMG: AJ Bell]
[IMG: AJ Bell]
Currency conversion (FX)0.1%0.15%0.99%First £10k (see below)Up to 0.75%see below0.75%see belowMonthly feeFreeFree0.35%per year, see below£5.99 - £39.99 see below0.25% of holdingsmax £3.50 per monthETFs - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityUS stocks - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityUK stocks - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityEU stocks - per orderFreeFree£6.95£5.99 - £9.99see below£3.50 - £5.00based on trade activityMulti-currencyFull comparisonViewViewViewViewViewShow morePricing comparison of other providers as of 1st March 2026. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites.How are our fees so low?“Do you even make money?”
[H4] We have low costs
[H3]
We integrate as closely as we can into Europe's financial infrastructure, reducing the number of intermediaries that want to take a cut. We also automate as many repetitive human processes as we can.
[H4] We charge reasonably
[H3]
Our fees might be low, but they add up. We charge for FX and retain part of the interest on any cash held with us. Better returns start with lower fees, so it's important that we keep these as low as possible.Something for every investorInvest and saveMaximise tax-free allowances with our ISAs, and go even further with our GIA and business accounts.Better ISA returns start with lower fees
[H4] Stocks & Shares ISA
No order feesFlexible ISA3.78% AER through Vaults
[IMG: Stocks & Shares ISA]
Follow the Bank of England rate
[H4] Cash ISA
3.75% AER interestFlexible ISANo withdrawal penalties
[IMG: Cash ISA]
Build wealth, not fees
[H4] General Investment Account
No order feesMulti-currency account3.78% AER through Vaults
[IMG: General Investment Account]
Put your company cash to work
[H4] Business
Trusted by 5,000+ businessesBlackRock Money Market FundsHold Pounds, Dollars and EurosLightyear Business has different pricing to Lightyear Personal.
[IMG: Business]
Investments on LightyearAsset types to suit every investorGrowing wealth over the long term or hedging against risk? We’ve got tools and asset types to suit every investor.US stocksUK stocksEU stocksETFsMoney market fundsNVIDIA$NVDA·SemiconductorsAlphabet Class A$GOOGL·Software & Cloud ServicesAlphabet Class C$GOOG·Software & Cloud ServicesApple$AAPL·Digital HardwareMicrosoft$MSFT·Software & Cloud ServicesAmazon$AMZN·Consumer Essentials
[H4] 4,000+ US stocks across the NYSE and Nasdaq.
Explore US stocksThe world’s largest stocksHSBC Holdings£HSBA·FinanceAstraZeneca£AZN·HealthShell£SHEL·EnergyRio Tinto£RIO·MaterialsBritish American Tobacco£BATS·Consumer EssentialsRolls-Royce Holdings£RR.·Industrials
[H4] Invest in UK stocks trading on the London Stock Exchange.
Explore UK stocksBiggest companies in BritainASML Holding€ASML·SemiconductorsLVMH Moet Hennessy Louis Vuitton€MC·Consumer DiscretionaryShell€SHELL·EnergySiemens€SIE·IndustrialsL'Oreal€OR·Consumer EssentialsTotalEnergies SE€TTE·Energy
[H4] Invest in French, German, Dutch and Belgian stocks trading on the Euronext and Deutsche Börse.
Explore EU stocksAllez!
[H4] Diverse ETFs from some of the world’s largest fund managers.
Explore ETFsTime to level up
[H4] Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest.
As with all investing, your capital is at riskAutomate your investingChoose a Ready-made Plan or create one yourself. For people who want to keep investing structured and low-effort.Moderate MixGrowth GroupAll-World WonderLEAVE IT TO THE EXPERTSReady-made PlansThree risk-based Plans, funds managed by BlackRock & Vanguard.€500/moinBUILD YOUR PORTFOLIO YOURSELFCreate your own PlanAutomate and group your investingSupercharge your savingsEvery account can pay interestCash ISA
[H4] 3.75% AER
Follows the Bank of England rateHold GBP onlyMoney is held in UK banks and qualified money market funds.
[IMG: 3.75% AER]
Stocks & Shares ISA and GIA
[H4] 3.78% AER
Daily variable rateHold GBP, EUR and USDThis is an investment product managed by BlackRock.
[IMG: 3.78% AER]
Lightyear for Business
[H4] 3.78% AER
Daily variable rateHold GBP, EUR and USDThis is an investment product managed by BlackRock.
[IMG: 3.78% AER]
As seen in
[IMG: CNBC]
[IMG: Financial Times]
[IMG: TechCrunch]
[IMG: Sifted]
[IMG: Mail Online]
Word on the streetWhat our customers sayDon’t just take our word for it, hear it from fellow Lightyear investors.
[IMG: Cordane]
[H6] Cordane
[IMG: Gabriella]
[H6] Gabriella
[IMG: Vahid]
[H6] Vahid
Read more reviews on TrustPilotThe important stuffProtection and regulationTrusting us with your investments is something we don’t take for granted.Regulated and insuredSafeguarding your assets
[H4] Regulated by the FCA
[H3]
We're authorised and regulated by the Financial Conduct Authority (FRN 987226).
[H4] FSCS protection
[H3]
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] We safeguard your cash
[H3]
Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] Your assets are yours, no one else's
[H3]
You are the beneficial owner of all your investments, and your assets are held in separate accounts. Your assets can't be touched by our creditors and in the unlikely event of Lightyear's insolvency, everything is returned to you.Frequently askedQuestions a curious investor might ask
[H4] How do you keep my money safe?
Trusting us with your money is not something we take for granted. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority and as such is bound by strict regulatory obligations in how we handle and protect your money.Customer money always sits separately to our own and is held in Citibank, Natwest and Qualifying Money Market Funds. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency. FSCS does not cover losses due to poor investment performance. FSCS protection applies to client money only where held with Banks, not where held in QMMFs.Read more about how your assets are protected in our help centre.
[H4] What do I need to know before I invest?
Do you have cash reserves?: It’s generally good practice to have easily accessible cash available to cover your ongoing short term expenses, as well as an emergency fund for any unforeseen sudden expenses (e.g. needing to replace your washing machine), before investing extra money you might have. It may also be sensible to pay off debts with available money, rather than investing it.Can you accept losses?: All investing contains an element of risk; your investment value can go down as well as up, so you could get back less than you invested, or in some cases, you may lose your entire investment. Generally the more risk you take gives you the opportunity for higher returns, but also increases the potential for greater losses. You should also think about how long you plan to invest for, and therefore whether you have the time to wait for any losses to recover. Don’t invest more than you can afford to lose.
See explanations of the types of risk each investment type provided by Lightyear might be exposed to here. This can be complicated, so please let us know if you need help.Free, impartial guidance covering cash reserves, losses and more, is available at MoneyHelper & InvestSmart (FCA) including: A beginners guide to investing, 5 questions to ask before you invest, Make sure you understand the risks, Is it the right investment for you.
[H4] Is Lightyear a bank?
Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms (see here). With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this.
[H4] Why are your fees so reasonable? How do you make enough money?
We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount.
[H4] How easy is it to withdraw my money?
Easy. We ensure you always have access to your money and we've made the process pretty painless for when you need to withdraw. Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the transfer time depends on the payout method:For GBP, your funds should typically arrive within 0-2 business hours.For EUR, your funds should arrive within 0-2 business days.For USD, your funds will arrive after 3-5 business days. As it's a SWIFT payment it may take longer, so contact your receiving bank for an estimation.
[H4] Do I need financial advice?
Lightyear doesn't offer investment advice; i.e. we don't assess if our services or instruments are suitable for you. But we do provide info about what we offer – e.g. our Target Market Matrix which describes investor types based on their investment experience, financial objectives and how much risk they're comfortable with – to help you decide what investments might work best for you. You'll need to make sure your investment decisions meet your needs and amount of investment risk you're happy to take. If you don't feel you have the necessary knowledge and experience to make those decisions for yourself, you may want to get independent financial advice instead.Visit our Help Centre

[IMG: Multi-award winning]
Multi-award winning
[H1] Better ISA returnsstart with lower fees
2 min intro£0Commission£0Account fees0.1%FX fee
[IMG: 2 min intro]
2 min introThe same Lightyear experience that customers love, wrapped in a tax-efficient Stocks & Shares ISA.Open an ISATransfer an ISAWhen you invest, your capital is at risk
[H4] Yes, it’s a “Flexible ISA”
[H3]
Withdraw money and replace it within the same tax year, without eating into your annual ISA allowance.Learn more
[H4] Commission-free
[H3]
No account, execution or custody fees. Just a 0.1% FX fee if you convert currency.View our pricing
[H4] 3.78% interest
[H3]
Easy access Vaults with no withdrawal penalties. This is an investment product with daily variable rates.Learn moreHow we stack upLow cost pricingWe’re one of the most competitively priced investment platforms on the market and that's just how we like it. Low cost and transparent pricing is in our DNA.View our pricing
[IMG: Trading212]
[IMG: Trading212]
[IMG: Hargreaves Lansdown]
[IMG: Hargreaves Lansdown]
[IMG: Interactive Investor]
[IMG: Interactive Investor]
[IMG: AJ Bell]
[IMG: AJ Bell]
Currency conversion (FX)0.1%0.15%0.99%First £10k (see below)Up to 0.75%see below0.75%see belowMonthly feeFreeFree0.35%per year, see below£5.99 - £39.99 see below0.25% of holdingsmax £3.50 per monthETFs - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityUS stocks - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityUK stocks - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityEU stocks - per orderFreeFree£6.95£5.99 - £9.99see below£3.50 - £5.00based on trade activityFull comparisonViewViewViewViewViewShow morePricing comparison of other providers as of 1st March 2026. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites.Investments on LightyearAsset types to suit every investorGrowing wealth over the long term or hedging against risk? We’ve got tools and asset types to suit every investor.US stocksUK stocksEU stocksETFsMoney market fundsNVIDIA$NVDA·SemiconductorsAlphabet Class A$GOOGL·Software & Cloud ServicesAlphabet Class C$GOOG·Software & Cloud ServicesApple$AAPL·Digital HardwareMicrosoft$MSFT·Software & Cloud ServicesAmazon$AMZN·Consumer Essentials
[H4] 4,000+ US stocks across the NYSE and Nasdaq.
Explore US stocksThe world’s largest stocksHSBC Holdings£HSBA·FinanceAstraZeneca£AZN·HealthShell£SHEL·EnergyRio Tinto£RIO·MaterialsBritish American Tobacco£BATS·Consumer EssentialsRolls-Royce Holdings£RR.·Industrials
[H4] Invest in UK stocks trading on the London Stock Exchange.
Explore UK stocksBiggest companies in BritainASML Holding€ASML·SemiconductorsLVMH Moet Hennessy Louis Vuitton€MC·Consumer DiscretionaryShell€SHELL·EnergySiemens€SIE·IndustrialsL'Oreal€OR·Consumer EssentialsTotalEnergies SE€TTE·Energy
[H4] Invest in French, German, Dutch and Belgian stocks trading on the Euronext and Deutsche Börse.
Explore EU stocksAllez!
[H4] Diverse ETFs from some of the world’s largest fund managers.
Explore ETFsTime to level up
[H4] Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest.
As with all investing, your capital is at riskLightyear VaultsEarn high interest within your ISA This is an investment product with variable rates.3.78%AER
[H5] Follows the
[H5] Bank of England
Benchmarked against the Bank of England’s variable overnight interest rate, which is calculated daily.
[H5] Managed by
[H5] BlackRock
Looked after by BlackRock, the world’s largest asset manager, with over $10 trillion under management globally.
[H5] No minimums
[H5] No maximums
From £1 to infinity. We don’t limit the amount of money you can add to your Vaults.More about VaultsMulti-award winning
[IMG: Good Money Guide]
[IMG: The Times Money Mentor]
[IMG: Financial Interest]
The important stuffProtection and regulationTrusting us with your investments is something we don’t take for granted.Regulated and insuredSafeguarding your assets
[H4] Regulated by the FCA
[H3]
We're authorised and regulated by the Financial Conduct Authority (FRN 987226).
[H4] FSCS protection
[H3]
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] We safeguard your cash
[H3]
Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] Your assets are yours, no one else's
[H3]
You are the beneficial owner of all your investments, and your assets are held in separate accounts. Your assets can't be touched by our creditors and in the unlikely event of Lightyear's insolvency, everything is returned to you.Frequently askedQuestions a curious investor might ask
[H4] How do you keep my money safe?
Trusting us with your money is not something we take for granted. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority and as such is bound by strict regulatory obligations in how we handle and protect your money.Customer money always sits separately to our own and is held in Natwest and Qualifying Money Market Funds. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency. FSCS does not cover losses due to poor investment performance. FSCS protection applies to client money only where held with Banks, not where held in QMMFs.Read more about how your assets are protected in our Help Centre, or review our Stocks & Shares ISA Key Features Document.
[H4] What do I need to know before I invest?
Do you have cash reserves?: It’s generally good practice to have easily accessible cash available to cover your ongoing short term expenses, as well as an emergency fund for any unforeseen sudden expenses (e.g. needing to replace your washing machine), before investing extra money you might have. It may also be sensible to pay off debts with available money, rather than investing it.Can you accept losses?: All investing contains an element of risk; your investment value can go down as well as up, so you could get back less than you invested, or in some cases, you may lose your entire investment. Generally the more risk you take gives you the opportunity for higher returns, but also increases the potential for greater losses. You should also think about how long you plan to invest for, and therefore whether you have the time to wait for any losses to recover. Don’t invest more than you can afford to lose.
See explanations of the types of risk each investment type provided by Lightyear might be exposed to here. This can be complicated, so please let us know if you need help.Free, impartial guidance covering cash reserves, losses and more, is available at MoneyHelper & InvestSmart (FCA) including: A beginners guide to investing, 5 questions to ask before you invest, Make sure you understand the risks, Is it the right investment for you.
[H4] Is Lightyear a bank?
Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms (see here). With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this.
[H4] Why are your fees so reasonable? How do you make enough money?
We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount.
[H4] How easy is it to withdraw my money?
Easy. We ensure you always have access to your money and we've made the process pretty painless for when you need to withdraw.Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the money will typically land in your account in an hour or two.
[H4] Do I need financial advice?
Lightyear doesn't offer investment advice; i.e. we don't assess if our services or instruments are suitable for you. But we do provide info about what we offer – e.g. our Target Market Matrix which describes investor types based on their investment experience, financial objectives and how much risk they're comfortable with – to help you decide what investments might work best for you. You'll need to make sure your investment decisions meet your needs and amount of investment risk you're happy to take. If you don't feel you have the necessary knowledge and experience to make those decisions for yourself, you may want to get independent financial advice instead.Visit our Help Centre

Trusted by 5,000+ companies
[H1] Company cash.Put to work.
Stocks, funds, and 3.78%3.64%1.96% AER with BlackRock Money Market Funds.Get startedWhen you invest, your capital is at risk. Only invest excess capital. Earn high interestPut your company cash to work in our easy access, high yield Money Market Funds.3.78%AER
[H5] Low risk
[H5] Managed by BlackRock
Your money is segregated from Lightyear assets at all times. BlackRock funds are AAA rated and have a low risk level of 1 out of 7.
[H5] Low pricing
[H5] Multi-currency
Annual fees of 0.20%. We have money market funds in euros, dollars and pounds.
[H5] High liquidity
[H5] Instant withdrawals
Due to their regulatory requirements, Money market funds are highly liquid. Withdrawals aim to be instant and arrive back into your Lightyear account. Money Market FundsHow we compareLow cost pricingFor too long, UK investors have got the short end of the stick. Sky-high fees on one side, illusive
promises of ‘free trading’ on the other. This ends with Lightyear. With us, what you see is what you get.View our pricingCompare Lightyear
[IMG: Trading212 Business]
[IMG: Trading212 Business]
[IMG: Hargreaves Lansdown Business]
[IMG: Hargreaves Lansdown Business]
[IMG: Interactive Investor Business]
[IMG: Interactive Investor Business]
[IMG: AJ Bell]
[IMG: AJ Bell]
Business accountOpen onlineNo, post onlyCurrency conversion (FX)0.35%0.75%see below0.75%see belowMonthly feeFreeup to £44.99see below0.25% of holdingsmax £3.50 per monthETFs - per orderFree£3.99£3.50 - £5.00based on trade activityUS stocks - per order$1 max£3.99£3.50 - £5.00based on trade activityUK stocks - per order£1£3.99£3.50 - £5.00based on trade activityEU stocks - per order€1£7.99 - £9.99£3.50 - £5.00based on trade activityMulti-currencyShow morePricing comparison of other providers as of 1st March 2026. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites.Business use casesFor businesses small and largeFrom saving on fees to paying you interest, we help you make make the most out of your company funds.Any size business, any size depositWhether you’re a startup, SME or bigger business, future-proof your company’s finances in minutes with an investment account that gives access to the world’s markets with no minimum or maximum deposit criteria.Treasury product managed by BlackRockTried and trusted5,000+ companies across Europe use Lightyear
[IMG: Salv]
[IMG: Ready Player Me]
[IMG: null]
"All businesses should have access to straightforward business accounts that follow the Bank of England rate. But that option hasn't existed until now. I previously used an account from my bank that put my cash into money market funds, but I had to give a month's notice to withdraw and the rate I received was less than half the Bank of England's base rate. That defeats the purpose. I need to earn as much interest as I can on my company's money, but it also needs to be properly liquid so I have an easily accessible cushion for quiet periods to smooth out my cash flow.With the account that Lightyear offers, I get the same deal as big companies that have been using money market funds for decades. That's a massive step forward for small businesses like mine."Andy DavisOwner of ‘The Investors' Media Company'Your CFO’s best friendTools for your businessManaging your company’s finances has never been easier. Extend your runway, manage foreign exchange exposure and interest-rate risk. Money market funds6000+ Stocks and ETFsLEI registrationAutomatic W-8BEN-E
[H4] Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest.
As with all investing, your capital is at riskNVIDIA$NVDA·SemiconductorsAlphabet Class A$GOOGL·Software & Cloud ServicesAlphabet Class C$GOOG·Software & Cloud ServicesApple$AAPL·Digital HardwareMicrosoft$MSFT·Software & Cloud ServicesAmazon$AMZN·Consumer Essentials
[H4] Invest in over 6000 international stocks and ETFs
Europe, the US and beyond
[H4] Hassle-free Legal Entity Identifier registration for £42.50 + VAT
LEI registration at cost price
[H4] Automatic W-8BEN-E form filling to help you claim a reduced tax rate on dividends from US stocks
Automated tax forms for non-US businessesOur investorsBacked by the bestWe’ve raised multiple rounds of finance from leading global investors and business leaders that share our vision for the future of investing.
[IMG: Sir Richard Branson, Founder of the Virgin Group]
“For too long, financial markets have been overly complex with high barriers to entry and confusing jargon. Martin, Mihkel and the Lightyear team are lifting the lid on the world of investing – making it more transparent whilst empowering people through education – to choose the products which are right for them”.Sir Richard Branson, Founder of the Virgin Group
[IMG: Nicole Quinn, General Parter at Lightspeed Venture Partners]
“Lightyear is building a platform that customers not only love and trust, but one that understands the nuances between different regulations, languages, exchanges and cultural investing norms.”Nicole Quinn, General Parter at Lightspeed Venture Partners
[IMG: Taavet Hinrikus, Co-Founder of Wise]
“With launching business accounts, Lightyear is eliminating huge pain points of long, bureaucratic onboarding as well as limited and expensive access to the global markets for a huge audience — deepening their impact on investing in Europe.”Taavet Hinrikus, Co-Founder of WiseMore about what we’re buildingThe important stuffProtection and regulationTrusting us with your investments is something we don’t take for granted.Regulated and insuredSafeguarding your assets
[H4] Regulated by the FCA
[H3]
We're authorised and regulated by the Financial Conduct Authority (FRN 987226).
[H4] FSCS protection
[H3]
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] We safeguard your cash
[H3]
Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] Your assets are yours, no one else's
[H3]
You are the beneficial owner of all your investments, and your assets are held in separate accounts. Your assets can't be touched by our creditors and in the unlikely event of Lightyear's insolvency, everything is returned to you.Things you’ll want to knowQuestions we’re often asked
[H4] Who can open a business account?
Our UK business accounts are here for:All limited companies registered in the UK that meet our required terms of service / operate in a non-high risk industry.If you have more than one business, you can open multiple business accounts with us.
[H4] How do I open a business account?
It’s super quick and easy to open up a business account.All you need to have at hand is your LEI code. If you don’t have an LEI code yet, you can generate one right in the Lightyear app.Just jump into the app, navigate to your profile from the top left corner, and you're there. If you don’t currently have a personal account with Lightyear, you’ll need to set that up first. See Opening an account.
[H4] How much does it cost to open a business account?
It’s free to open up a business account! We also don’t charge any custody or monthly fees.All you need to have at hand is your LEI code. If you don’t have an LEI code yet, you can generate one right in the Lightyear app for £40 + VAT.Investing through a business is low-cost but pricing varies from your personal account.Check out our full pricing information here.
[H4] Can I claim US tax treaty benefits?
You can claim US tax treaty benefits, but it’s optional. Uploading a W-8BEN-E allows you to reduce the tax you pay on dividends from US instruments, but there’s no benefit to that if you:Invest in non-US instrumentsInvest in non dividend paying US stocksHold & convert cashWe fill in the W-8BEN-E form for you automatically. All you need to do is answer a few questions in the app, and we’ll generate the PDF form for you right there.Please note that tax treatment depends on individual circumstances and is subject to change in the future.
[H4] Why do I need a Legal Entity Identifier (LEI)?
A Legal Entity Identifier, also known as an LEI, uniquely identifies your business. It's required by law for businesses trading stocks in Europe.If you’ve already registered an LEI — we’ll find it for you during onboarding, all you need to do is confirm the details.If you don’t yet have an LEI, you can generate one within the Lightyear app for £42.50 + VAT.
[H4] What should I keep in mind when investing?
When depositing your business funds to your business account, while making sure your money is working hard for you and your business, please take care with it tooDon't invest money that you need to operate the business day-to-dayAlways make sure you have operational cash in an FSCS protected accountWe're here to help you invest and grow any excess business capital you have, but remember that capital is still at risk when it's investedVisit our Help Centre

[IMG: FSCS protected & FCA regulated]
FSCS protected & FCA regulated
[H1] Better returns start with lower fees
2 min intro£0Commission£0Account fees0.1%FX fee
[IMG: 2 min intro]
2 min introThe multi-award winning investment platform that pays up to 3.78% AER interest. Enhanced with Lightyear AI. Get startedWhen you invest, your capital is at risk Our trusted partnersFrom people who helped build
[H4] Commission-free
[H3]
No account, execution or custody fees. Just a 0.1% FX fee if you convert currency.See how we compare
[H4] Award-winning ISAs
[H3]
The same Lightyear experience that customers love, wrapped in a tax-efficient flexible ISA.View our Stocks & Shares ISA
[H4] 3.78% interest
[H3]
Easy access Vaults with no withdrawal penalties. This is an investment product with daily variable rates.More infoHow we compareLow cost pricingFor too long, UK investors have got the short end of the stick. Sky-high fees on one side, illusive
promises of ‘free trading’ on the other. This ends with Lightyear. With us, what you see is what you get.View our pricingCompare Lightyear
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Currency conversion (FX)0.1%0.15%0.99%First £10k (see below)Up to 0.75%see below0.75%see belowMonthly feeFreeFree0.35%per year, see below£5.99 - £39.99 see below0.25% of holdingsmax £3.50 per monthETFs - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityUS stocks - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityUK stocks - per orderFreeFree£6.95£3.99£3.50 - £5.00based on trade activityEU stocks - per orderFreeFree£6.95£5.99 - £9.99see below£3.50 - £5.00based on trade activityMulti-currencyFull comparisonViewViewViewViewViewShow morePricing comparison of other providers as of 1st March 2026. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites.How are our fees so low?“Do you even make money?”
[H4] We have low costs
[H3]
We integrate as closely as we can into Europe's financial infrastructure, reducing the number of intermediaries that want to take a cut. We also automate as many repetitive human processes as we can.
[H4] We charge reasonably
[H3]
Our fees might be low, but they add up. We charge for FX and retain part of the interest on any cash held with us. Better returns start with lower fees, so it's important that we keep these as low as possible.Something for every investorInvest and saveMaximise tax-free allowances with our ISAs, and go even further with our GIA and business accounts.Better ISA returns start with lower fees
[H4] Stocks & Shares ISA
No order feesFlexible ISA3.78% AER through Vaults
[IMG: Stocks & Shares ISA]
Follow the Bank of England rate
[H4] Cash ISA
3.75% AER interestFlexible ISANo withdrawal penalties
[IMG: Cash ISA]
Build wealth, not fees
[H4] General Investment Account
No order feesMulti-currency account3.78% AER through Vaults
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Put your company cash to work
[H4] Business
Trusted by 5,000+ businessesBlackRock Money Market FundsHold Pounds, Dollars and EurosLightyear Business has different pricing to Lightyear Personal.
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Investments on LightyearAsset types to suit every investorGrowing wealth over the long term or hedging against risk? We’ve got tools and asset types to suit every investor.US stocksUK stocksEU stocksETFsMoney market fundsNVIDIA$NVDA·SemiconductorsAlphabet Class A$GOOGL·Software & Cloud ServicesAlphabet Class C$GOOG·Software & Cloud ServicesApple$AAPL·Digital HardwareMicrosoft$MSFT·Software & Cloud ServicesAmazon$AMZN·Consumer Essentials
[H4] 4,000+ US stocks across the NYSE and Nasdaq.
Explore US stocksThe world’s largest stocksHSBC Holdings£HSBA·FinanceAstraZeneca£AZN·HealthShell£SHEL·EnergyRio Tinto£RIO·MaterialsBritish American Tobacco£BATS·Consumer EssentialsRolls-Royce Holdings£RR.·Industrials
[H4] Invest in UK stocks trading on the London Stock Exchange.
Explore UK stocksBiggest companies in BritainASML Holding€ASML·SemiconductorsLVMH Moet Hennessy Louis Vuitton€MC·Consumer DiscretionaryShell€SHELL·EnergySiemens€SIE·IndustrialsL'Oreal€OR·Consumer EssentialsTotalEnergies SE€TTE·Energy
[H4] Invest in French, German, Dutch and Belgian stocks trading on the Euronext and Deutsche Börse.
Explore EU stocksAllez!
[H4] Diverse ETFs from some of the world’s largest fund managers.
Explore ETFsTime to level up
[H4] Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest.
As with all investing, your capital is at riskAutomate your investingChoose a Ready-made Plan or create one yourself. For people who want to keep investing structured and low-effort.Moderate MixGrowth GroupAll-World WonderLEAVE IT TO THE EXPERTSReady-made PlansThree risk-based Plans, funds managed by BlackRock & Vanguard.€500/moinBUILD YOUR PORTFOLIO YOURSELFCreate your own PlanAutomate and group your investingSupercharge your savingsEvery account can pay interestCash ISA
[H4] 3.75% AER
Follows the Bank of England rateHold GBP onlyMoney is held in UK banks and qualified money market funds.
[IMG: 3.75% AER]
Stocks & Shares ISA and GIA
[H4] 3.78% AER
Daily variable rateHold GBP, EUR and USDThis is an investment product managed by BlackRock.
[IMG: 3.78% AER]
Lightyear for Business
[H4] 3.78% AER
Daily variable rateHold GBP, EUR and USDThis is an investment product managed by BlackRock.
[IMG: 3.78% AER]
As seen in
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Word on the streetWhat our customers sayDon’t just take our word for it, hear it from fellow Lightyear investors.
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[H6] Cordane
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[H6] Gabriella
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[H6] Vahid
Read more reviews on TrustPilotThe important stuffProtection and regulationTrusting us with your investments is something we don’t take for granted.Regulated and insuredSafeguarding your assets
[H4] Regulated by the FCA
[H3]
We're authorised and regulated by the Financial Conduct Authority (FRN 987226).
[H4] FSCS protection
[H3]
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] We safeguard your cash
[H3]
Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] Your assets are yours, no one else's
[H3]
You are the beneficial owner of all your investments, and your assets are held in separate accounts. Your assets can't be touched by our creditors and in the unlikely event of Lightyear's insolvency, everything is returned to you.Frequently askedQuestions a curious investor might ask
[H4] How do you keep my money safe?
Trusting us with your money is not something we take for granted. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority and as such is bound by strict regulatory obligations in how we handle and protect your money.Customer money always sits separately to our own and is held in Citibank, Natwest and Qualifying Money Market Funds. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency. FSCS does not cover losses due to poor investment performance. FSCS protection applies to client money only where held with Banks, not where held in QMMFs.Read more about how your assets are protected in our help centre.
[H4] What do I need to know before I invest?
Do you have cash reserves?: It’s generally good practice to have easily accessible cash available to cover your ongoing short term expenses, as well as an emergency fund for any unforeseen sudden expenses (e.g. needing to replace your washing machine), before investing extra money you might have. It may also be sensible to pay off debts with available money, rather than investing it.Can you accept losses?: All investing contains an element of risk; your investment value can go down as well as up, so you could get back less than you invested, or in some cases, you may lose your entire investment. Generally the more risk you take gives you the opportunity for higher returns, but also increases the potential for greater losses. You should also think about how long you plan to invest for, and therefore whether you have the time to wait for any losses to recover. Don’t invest more than you can afford to lose.
See explanations of the types of risk each investment type provided by Lightyear might be exposed to here. This can be complicated, so please let us know if you need help.Free, impartial guidance covering cash reserves, losses and more, is available at MoneyHelper & InvestSmart (FCA) including: A beginners guide to investing, 5 questions to ask before you invest, Make sure you understand the risks, Is it the right investment for you.
[H4] Is Lightyear a bank?
Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms (see here). With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this.
[H4] Why are your fees so reasonable? How do you make enough money?
We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount.
[H4] How easy is it to withdraw my money?
Easy. We ensure you always have access to your money and we've made the process pretty painless for when you need to withdraw. Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the transfer time depends on the payout method:For GBP, your funds should typically arrive within 0-2 business hours.For EUR, your funds should arrive within 0-2 business days.For USD, your funds will arrive after 3-5 business days. As it's a SWIFT payment it may take longer, so contact your receiving bank for an estimation.
[H4] Do I need financial advice?
Lightyear doesn't offer investment advice; i.e. we don't assess if our services or instruments are suitable for you. But we do provide info about what we offer – e.g. our Target Market Matrix which describes investor types based on their investment experience, financial objectives and how much risk they're comfortable with – to help you decide what investments might work best for you. You'll need to make sure your investment decisions meet your needs and amount of investment risk you're happy to take. If you don't feel you have the necessary knowledge and experience to make those decisions for yourself, you may want to get independent financial advice instead.Visit our Help Centre

[H1] Easy access,high interest Vaults
Put your money to work.
This is an investment product with variable rates.Get startedWhen you invest, your capital is at risk3.78%AERPoundsEurosDollars
[H5] Follows the
[H5] Bank of England
Benchmarked against the Bank of England’s variable overnight interest rate, which is calculated daily.
[H5] Managed by
[H5] BlackRock
Looked after by BlackRock, the world’s largest asset manager, with over $10 trillion under management globally. More info
[H5] No minimums
[H5] No maximums
From £1 to infinity. We don’t limit the amount of money you can add to your Vaults.More infoThe world’s largest asset managerManaged by BlackRockYour money is held in BlackRock’s low-risk Money Market Funds.Highly rated, low riskHeld in AAA rated, low-risk fundsYour money will be held in a low-risk, interest-paying fund that is managed by BlackRock.Managed by BlackRock
[H4] BlackRock
[H5] BlackRock ICS Sterling Liquidity Fund (Premier)
Risk level
[H4] 1
/7Fund size
[H4] £47bn
Fund rating
[H4] AAA
View fundWait, there’s moreIt doesn’t stop thereFrom fast withdrawal times to monthly interest payments — we’ve got you covered.Get paidInterest earned daily, paid monthlyYou’ll start earning interest daily from the moment your money has been deposited.Available in Pounds, Euros and DollarsLight speed withdrawalsApril interest
[H5] +£68.63
March interest
[H5] +£63.56
February interest
[H5] +£65.45
January interest
[H5] +£67.71
December interest
[H5] +£66.67
The important stuffProtection and regulationTrusting us with your investments is something we don’t take for granted.Regulated and insuredSafeguarding your assets
[H4] Regulated by the FCA
[H3]
We're authorised and regulated by the Financial Conduct Authority (FRN 987226).
[H4] FSCS protection
[H3]
Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] We safeguard your cash
[H3]
Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. Learn more here.
[H4] Your assets are yours, no one else's
[H3]
You are the beneficial owner of all your investments, and your assets are held in separate accounts. Your assets can't be touched by our creditors and in the unlikely event of Lightyear's insolvency, everything is returned to you.Frequently askedQuestions a curious person might ask
[H4] Are there fees?
The rate shown (3.78% AER) is what you get after the fee of 0.20%, compounded monthly over a year. The fund’s current 1-day yield is 3.92%.3.92% - 0.20% fees = 3.72% (3.78% when compounded).
[H4] What is a Money Market Fund?
A Money Market Fund is a low-risk investment that aims to give you a slightly higher return than cash. Unlike most funds that invest in bonds or shares, it invests in short-term debt.This short-term debt is bought from by governments, banks and companies with strong balance sheets and high credit ratings. In exchange, they pay interest to the fund.Lightyear Vaults allows you to invest in Money Market Funds. As with all investments, the value can go up as well as down. The yield generated by these funds changes daily and may also move in an unfavourable direction.The prospectuses and Key Information Documents of these funds are available in our app and website, and on BlackRock’s website.
[H4] Who are BlackRock?
BlackRock is the world’s largest asset manager, with over $10 trillion managed for people and businesses across the world.
[H4] What countries are Vaults available in?
Lightyear Vaults are available in Austria, Denmark, Estonia, Finland, France, Germany, Hungary, Italy, Latvia, Lithuania (EUR only), Luxembourg, Netherlands, Spain, Sweden, and the UK.They are not currently available in Belgium, Bulgaria, Croatia, Cyprus, Greece, Ireland, Malta, Portugal, Slovakia and Slovenia.Visit our Help Centre

[H2] What's your question about?
Deposits, conversions & withdrawalsRead more about managing your Lightyear multi-currency accountGetting verifiedEverything you need to know about signing up and verifying your account.Lightyear for BusinessEverything you need to know about our Business productManaging my Lightyear accountSee here for updating your details, logging in or managing your preferences.Promotions & referralsFind out more about promotions and referral programs Trading & investmentsOrders, portfolio and general trading topics
[H2] FAQs
[H4] Fees and taxes
Our approach to fees is simple. We believe in:Radical transparency: We’ll always be upfront with any associated charges. We also want to ensure that we charge the smallest amount possible fairly, so if you place an order where the fees will account for 5% or more of its total value, you’ll be presented with a pop-up in the Lightyear app for you to confirm this.Honest pricing: Our fees are a combination of covering the costs associated with the service plus a small amount on top that we can reinvest to improve the businessSee our pricing here.
[H3] Applicable taxes
Financial Transaction TaxA financial transaction tax (FTT) is when a percentage of the asset's value is paid in taxes when traded. FTTs usually apply only to select financial instruments and often have varying tax rates depending on the asset type.Stamp dutyStamp duty is the tax governments place on legal documents, usually in the transfer of assets or property.These taxes apply to anyone who is trading the applicable asset, irrespective of if you are a tax resident of that jurisdiction or not.See more: here.
[H4] How are my assets protected?
NB! The protections mentioned in this article do not cover poor investment performance. It’s important to always remember that markets may go up or down, so you should never invest more than you can afford to lose.
[H2] How does Lightyear protect my Cash and Investments?
Trusting us with your investments is not something we take for granted. Lightyear UK Ltd is an FCA-authorised and regulated investment firm and as such is bound by strict regulatory obligations in how we handle and protect your assets:You are always the beneficial owner of your cash. Your uninvested cash is held in ringfenced accounts and deposited with a UK bank and Qualifying Money Market Funds (QMMF) under legally binding agreements that confirm this money belongs to you, not Lightyear. The institutions where we hold uninvested customer funds are NatWest bank in the UK and BlackRock Qualifying Money Market Funds rated AAA/mmf by Moody’s, S&P and Fitch.Lightyear never uses customers' money or investments to cover its own needs, which also means that, unlike banks, for example, we do not lend customers' money out to third parties.You are the beneficial owners of all your investments on Lightyear — your assets are held in separate accounts from Lightyear assets, which you can read more about in our article Who is the owner of the securities I buy?.Therefore, all customers' assets are inaccessible by our creditors and they would be returned to you in the unlikely event of Lightyear's insolvency.The UK bank we use is covered by FSCS and in the event they failed we could claim up to £120,000 on your behalf. Please be aware this is the total you can claim in any banking institution so if you held personal accounts or money with other platforms in the same banking group, this may impact the amount you get back through Lightyear.
[H2] Do UK users benefit from Financial Services Compensation Scheme (FSCS) protection?
Yes, all UK customers are covered by the Financial Services Compensation Scheme (FSCS).This means that if Lightyear goes out of business and there is a shortfall in the funds we are holding for you, you may be able to claim for losses through FSCS. For more detail on the amounts you may be eligible to claim for, refer to information on the FSCS website.FSCS does not cover losses due to poor investment performance.
[H2] What is a Qualifying Money Market Fund
Qualifying money market funds (QMMFs) are a type of mutual fund that invests only in highly liquid, short-term debt from the likes of governments and financial institutions. These funds offer high liquidity with a very low level of risk and EU/UK regulations allow for brokerages to hold customer money in them.A QMMF must meet specified, higher regulatory standards for quality and liquidity than other money market funds. We carefully review and monitor any QMMF we use to ensure that it is stable, liquid and continues to comply with the requirements of a QMMF, and only work with large, reputable fund managers.Deposit guarantee schemes are not relevant to QMMFs. The QMMF depositary will hold assets in a segregated account which should therefore be available in the event of their failure. However, if there is a shortfall in the value of assets, FSCS does not apply and compensation is only available if this shortfall is due to fraud, negligence or failure of the depositary to comply with their regulatory obligations.
[H4] What is Lightyear?
Lightyear is a simple and approachable way to invest your money globally without unnecessary barriers or fees. We make investing approachable with a simple and easy to use app.What problems are you solving?Expensive and opaque fee structures: Traditional players often have hidden and high cost feesLimited access to markets: Local brokers often offer bad access to global marketsLimited information and education: Typically lacking or hard to understandWe’re at the beginning of our journey and haven’t solved the entire problem just yet, but believe that we’re already Lightyears ahead of the incumbents.
[H2] What do you offer?
We give you access to:A multi-currency account to deposit, hold and convert across three different currencies. Find out more by reading How does my multi-currency account work?Over 3500 mixed fractional and non-fractional stocks from US, UK and EU markets as well as access to international ETFs. This list is continually growing. See our Stock screener and Fund screenerOur mission does not stop there as we also believe in helping you become a better investor. To do this, we’re building bespoke tools that are tailored to your needs, no matter if you’re at the beginning of your investment journey or a seasoned expert.In the app you’ll find:Custom chartsInstrument fundamentalsAnalyst ratings & price targetsFinancials, news and moreWe’re passionate about continuously evolving and ensuring you have the best tools available at your fingertips. Our services vary depending on where you are based. To find out exactly what you’ll have access to, see: What services do you offer and in which country?.
[H2] How much does it cost?
Visit our Fees and taxes article for more on the cost of using Lightyear.
[H4] What services do you offer and where?
Whether you're looking for an account for yourself or your business, we’ve got you covered:Personal accounts are available to individuals aged 18+ who reside in countries where we’re authorised to offer our services.Business accounts are available in most of the countries where personal accounts are offered. To open a business account, you need to live in our service area and start by setting up a personal account first.
Products or services available to you vary depending on where you reside, see full information here.See what instruments we offer in our Stock screener and Fund screener.We unfortunately can’t offer you our services if you reside outside of our service area but fear not, we’re working hard on expanding. As well, if you are a citizen or tax resident of the United States, or if certain legal or regulatory restrictions apply in other cases, we can’t offer you our products or services just yet.
[H4] Withdrawals
We only send your (or your business') funds to a bank account in the name of the Lightyear account holder.
[H2] How to withdraw funds in the app?
If you already have a withdrawal account set up, simply tap on the “Withdraw” button in the Portfolio tab or in the corresponding currency cash balance and place a withdrawal request.To withdraw GBP, please note that your withdrawal account is typically available by the end of the same day your initial deposit was credited.To withdraw EUR or USD, contact us and send your recent bank statement or another relevant document issued by your bank. The document must show your account details and confirm you as the account owner. We’ll let you know once the account has been added and is ready for a withdrawal.The USD withdrawal will be paid via an international/SWIFT payment which comes with fees by banks that route your funds and takes about 3-5 business days to arrive at your bank. Alternatively, you can convert your funds to another currency, which will have a currency conversion fee, before placing a withdrawal request.In case you’ve only deposited using Apple/Google Pay or Debit card options, we don’t have your bank account details yet, so keep them at hand and the app will guide you through how to add them.
[H2] How long can a withdrawal take?
Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the transfer time depends on the payout method and once initiated cannot be cancelled:For GBP, the funds should typically arrive within 0-2 business hours.For EUR, your funds should arrive within 0-2 business days.For USD, your funds will arrive after 3-5 business days but as it’s a SWIFT payment, it may take longer and we recommend contacting your receiving bank for any estimations.
[H2] Why won’t my withdrawal work?
You don’t have a bank account in the currency you’re trying to withdraw connected to your Lightyear account. You'd need to either convert your funds to a currency you have a withdrawal account for or contact us and send your recent bank statement or another relevant document issued by your bank. The document must show your account details and confirm you as the account owner. We’ll confirm when the account has been added.You don’t have any funds in the currency you're attempting to withdraw and need to convert before withdrawing.You are not holding uninvested cash but open positions only.Promotional/referral rewards can only be withdrawn 180 days after having received them. See Lightyear Sign-up Promotion Terms and Lightyear Refer a Friend Terms.If none of the above apply, feel free to reach out to us below.
See also: Everything about deposits and How can I deposit USD?