Question 1

Why do I see a Lightyear charge on my bank or card statement?

Accepted Answer

Most Lightyear charges are deposits you made to fund your investment account using a debit/credit card or another supported payment method. The transaction often shows up as “LIGHTYEAR” or a similar descriptor, sometimes with your region or card processor mentioned. Check the Deposits/Activity section in the Lightyear app or web platform for a matching top‑up on the same date and amount.

Question 2

Does Lightyear charge any monthly subscription or account fees?

Accepted Answer

Lightyear is designed as a low‑cost platform and, at the time of writing, does not typically charge monthly account or custody fees for standard users. Instead, its revenue mainly comes from things like FX conversion charges and specific service fees, which are clearly listed on their pricing page and within the app. Always review the latest fee schedule at lightyear.com/pricing or in your account settings, as pricing can change over time or vary by region.

Question 3

What typical amounts might Lightyear charges appear as?

Accepted Answer

Lightyear charges most commonly match the exact amount you chose to deposit into your investment account, such as €50, €100, £200 or similar round numbers. In some cases, your bank may show a slightly different amount due to currency conversion if you funded your account in a different currency than your card. Any FX fees or adjustments will be visible in your Lightyear transaction history alongside the deposit.

Question 4

Can Lightyear place small or temporary authorization holds on my card?

Accepted Answer

When you first add a card or attempt a deposit, Lightyear’s payment processor may place a small temporary authorization (often a low amount) to verify that the card is valid. This is not a final charge and should either disappear or be reversed automatically by your bank within a few business days. If a small pending charge doesn’t clear, contact your bank and share a screenshot of the transaction and your Lightyear deposit history.

Question 5

How do I cancel or stop future charges from Lightyear?

Accepted Answer

Lightyear does not usually bill you on a recurring subscription basis for simply holding an account, so you will not see regular monthly charges unless you actively make deposits or use a service that carries a recurring fee. To prevent new charges, avoid making further card deposits and remove or update your saved payment methods in the app. If your bank card is enrolled in a recurring top‑up or scheduled payment through Lightyear (if available in your region), disable that feature in your Funding/Payments settings or contact Lightyear support for assistance.

Question 6

How can I get a refund for a mistaken or duplicate Lightyear deposit?

Accepted Answer

If you deposited money into Lightyear by mistake or notice a duplicate top‑up, contact Lightyear support as soon as possible through the in‑app chat or by emailing support@lightyear.com. In many cases, you can simply withdraw the uninvested funds back to your bank from within the app, subject to standard withdrawal times and checks. If the deposit failed or was duplicated and the balance doesn’t match, Lightyear’s support team can investigate with their payment processor and advise whether a reversal or refund is possible.

Question 7

How can I contact Lightyear about a charge I don’t recognize?

Accepted Answer

You can reach Lightyear by opening the app or web platform and using the in‑app support chat, which is the fastest way to speak to their team about specific account or transaction questions. You can also email them at support@lightyear.com with your registered email address, approximate charge amount, date, and a screenshot of the bank statement entry (with sensitive data obscured). They can confirm whether the charge is linked to your account, explain any related fees, and guide you on next steps if the transaction appears unauthorized.

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