89%Would buy again
Signed up on the app during my lunch break and had the account open before I'd finished my sandwich. Verification asked for a selfie and a passport photo which took a minute but was fine. Money moved between my pots instantly and I've used it three times this week already. Brilliant for a quick job.
Read moreHonestly not great. Signed up, got stuck on the ID check for ages and had to send the same photo twice. Once I got in the app is alright but the start was a nightmare.
Read moreI've had the savings account with them for over ten years and it's never let me down. The interest is paid monthly into my current account and I've never had to chase anything. When I needed to move a larger sum for a house repair the transfer went through in a day, and the support line answered first time when I had a question about the statement. I'd say it's the most reliable money I've got.
Read moreI needed a way to pay my nephew's school trip deposit in Germany and my bank kept sending the payment back for checks. Someone suggested this one so I gave it a go. The account opening was a bit slow because they asked for extra proof of address, a few days in total. Once I was in, the transfer went through fine and the fee was much lower than I'd have paid elsewhere.
The exchange rate caught my attention first, it was close to the interbank rate which I hadn't expected from an app. I used it to convert a chunk of savings for a trip to Japan and the money showed up in the foreign account within a day. The only small thing is the app asks you to re-verify your details every few months which is a bit annoying.
I opened an account to hold dollars for a trip to the States and compared it with two other options before picking this one. The fees are clearly shown and the card works fine abroad. The only thing was the verification took a couple of days longer than I'd have liked, but once it was done it was smooth.
Never used them before so I wasn't sure what to expect. The sign up took about ten minutes on my laptop and the bank details arrived the same day. Transfer to my mum in India reached her the next morning, which was all I needed.
I've been running a multi currency account with them for my freelance work, so I know the set up well. I bought the business account to take payments in euros and dollars. The conversion is decent and the payouts land quickly. The one thing I'd flag is that the statement export is clunky and I end up tidying it in a spreadsheet, which is a bit of a pain.
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Lightyear is a financial technology company that offers a multi-currency account, a debit card and a platform for investing in funds and shares. Customers can hold, convert and send money in a range of currencies, with the app serving as the main point of access to the service. The company is authorised by the Financial Conduct Authority and operates primarily online, with its services delivered through its mobile app and web platform.
Lightyear is aimed at individuals who want to manage international payments and build investment portfolios without relying on traditional banking arrangements. Its investment offering centres on low-cost access to European and US markets, with the company positioning itself around transparency in fees and currency conversion.
