Lightyear review – an app with excellent resources to help investors choose their investments

We used to say the lack of an ISA was the major drawback of Lightyear as it left savers and investors unable to take advantage of the ISA's tax advantages. But, as of January 2025, that's no longer the case. Lightyear has started 2025 strongly, with the launch of a stocks and shares ISA product and a cash ISA. Both are flexible (you can take money in and out without it affecting your annual allowance), come with no withdrawal penalties, and there's no minimum deposit.

If you're struggling to decide what to invest in, Lightyear's research tools will satisfy even seasoned investors. In-app earnings calls are a unique proposition here, and analyst estimates and price targets are all free to access. Want to know how many analysts recommend you buy, hold or sell? It’s all available within the app.

Assets are limited to stocks and ETFs, however, this is ample for many investors. Fees are low, withdrawals are fast, and there are multicurrency accounts available so you can keep costs to a minimum. The addition of fractional shares means investors can also own a piece of big-value stocks without the hefty price tag.

If you want the security of savings rather than investing, then Lightyear now also has a cash ISA paying an excellent 4.75% AER (variable).