Lightyear confirms to PIA·IE its intention to offer a Personal Investment Account

Lightyear confirmed to PIA·IE on 30 October 2026 that it intends to offer a Personal Investment Account to Irish customers. It has not published a launch date, fees, a minimum investment or the range of investments the account will hold. We record that as a stated plan, not an available product.

Lightyear joins AIB, Bank of Ireland, PTSB, Irish Life, Zurich, Trading 212 and Revolut, all of which have stated plans of their own. Interactive Brokers Ireland is considering the account, subject to the final rules, with no firm commitment or date. None has published a live account, a fee schedule or complete opening terms.

• A third app-based option. Lightyear is a low-cost European investing app already used by Irish investors, so it is aiming at the same customers as Trading 212 and Revolut. More names competing for the same savers is the main reason to expect fees to fall once products are real.
• The passporting question. In a PIA the provider calculates, deducts and pays the annual charge to Revenue, so the firm issuing the account has to be able to do Irish tax reporting. A firm passporting in from another member state has to show how it will deliver that, which is the detail we are waiting to see.
• Intent still isn't a product. A stated plan tells you who is building. It tells you nothing about what you will pay or what you can hold. Those only become comparable when terms are published.

• Launch date, fees and minimums.
• Which shares, ETFs and funds the account will offer.
• Whether Lightyear would run the account itself or with a partner firm.
• The scheme itself: the Finance (No. 2) Bill 2026 is not yet law, and the start date is set by ministerial order.

Every position we hold, with its source and date, is on the provider tracker. Our comparison directory stays empty until a firm publishes real terms. To see what the account would do to your own money, put your figures into the PIA calculator, or read what can and cannot be moved in if you already hold ETFs.

• An Post Money targets 1 July 2027 for a Personal Investment Account
• Interactive Brokers Ireland considering a Personal Investment Account, subject to final rules
• The Finance Bill and the PIA: what section 26 says
• Irish Life will offer the account — and its page says July 2027
• Budget 2027: the PIA, decoded
• Trading 212 intends to offer the account; Revolut is weighing it up
• AIB plans to offer a PIA; Zurich says it will be available at launch
• What is the Personal Investment Account? Ireland's 2027 investing shake-up
• PIA vs pension: which should an Irish saver fund first?
• All PIA and Irish investment tax guides