# Claim up to €100 in a fractional share Invest your way. From a personal to a business account. From stocks to ETFs to Savings. When you invest, your capital is at risk. Start building your portfolio today and use the code to get between 10€ and 100€ in a fractional share. Capital at risk. T&Cs apply. ### Terms for the promotion - Sign up for free: Open a Lightyear account and enter your promo code during onboarding or later in the Promotions section. - Claim up to 100€ in a fractional share or ETF: Complete onboarding and deposit at least 100€ within 15 days to receive between 10€ and 100€ in a fractional share or ETF, credited to your general account. - Pick your share: Choose the fractional share or ETF you'd like to start your investing journey with. Instrument selection is subject to availability. ## Disclaimer [**Terms & Conditions apply**](https://lightyear.com/en-eu/signup-promotion-terms). The promotion is only valid for new users who signed up within the last 15 days and haven’t redeemed a promotional code before. The promotion applies to selected promo codes only. The reward can be withdrawn 6 months after it’s credited. If you withdraw your initial deposit within 6 months of claiming the reward, the reward will be removed. ## Low cost pricing We’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. - ETFs: per order - US stocks: per order - UK stocks: per order - EUR-denominated stocks: per order - Currency conversion (FX) - Other European stocks: per order - Monthly fee - Multi-currency Pricing comparison of other providers as of 10.06.2026. Information displayed on the table above is based on competitors' websites information. For the most up to date information please visit their respective websites. [Revolut](https://help.revolut.com/en-EE/help/wealth/stocks/trading-stocks/trading-fees/what-fees-will-i-be-charged-for-my-trading/): Comparison is based on the Standard plan. FX pricing includes a €1,000/month fee-free allowance and a 1% FX markup on weekends. For stock trading, users receive one free order per month; thereafter a fee of 0.25% of the order value applies, with a €1 minimum charge. [Trade Republic](https://traderepublic.com/en-lt?openModal=pricing-scheme&): Information is derived from a Pricing Scheme available on the Trade Republic website and compared across several regions. For most up-to-date pricing, please refer to Trade Republic's website. *Minimum fees per order for other European stocks (non-EUR-denominated) : Hungarian min 200 HUF, Swiss min 1.5 CHF, Danish min 10 DKK, Swedish min 10 SEK, Norwegian min 10 NOK, Polish min 5 PLN. ## A universe of assets, made simple From stocks to funds, bonds and more, explore a vast universe of investment options, all in one place. And now with fractionals, you don't need to buy a whole share. Just pick the amount you want to invest, and you're in. Subject to availability. ### US stocks 4,000+ US stocks across the NYSE and Nasdaq. ### European stocks Invest in leading European companies, headquartered in more than 20 countries. ### UK stocks Invest in UK stocks trading on the London Stock Exchange. ### ETFs Diverse ETFs from some of the world’s largest fund managers. ### Money market funds Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest. ### Crypto 12 top-traded coins, in EUR and USD ### Baltic stocks Invest in stocks from Estonian, Latvian and Lithuanian markets. ### Baltic bonds Invest in bonds from Estonian, Latvian and Lithuanian markets. ## Keeping your money safe Trusting us with your investments is something we do not take for granted. ### Multi-country regulation - Regulated in the UK by the FCA: We’re authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)). Lightyear UK Ltd is a company registered in England and Wales with company number 14367910. - Regulated in the EU by EFSA: We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31 and 4.1-1/147) and authorised to operate across the European Union. ### Government insurance - Your US securities are SIPC protected up to $500,000: Your US securities are held with our partner Alpaca, who is FINRA regulated and a registered member of the Securities Investor Protection Corporation (SIPC). - EU investor protections insure up to €20,000 across your portfolio: Your assets are covered up to the amount €20,000 by the Estonian Investor Protection Sectoral Fund. Crypto-assets are not covered by any investor compensation scheme in the EU. ### Safeguarding your assets - We safeguard your cash with authorised banks & financial institutions: Customer funds are held in a mix of AAA-rated BlackRock and J.P. Morgan Asset Management Money Market Funds and cash in authorised commercial banks. Your money is always kept separate from ours. - Your assets are yours, no one else’s: Your assets are yours, no one else’s. You are the 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. Your crypto-assets are no different. ### How can I enter a promo code? Entering a promo code is easy. It's possible to do while you're signing up but don't worry if you missed that step. You can enter a promo code after completing the sign-up by: 1. Opening/logging in to your Lightyear app 2. Navigating to your personal profile view 3. Selecting settings and then "Promotions". Once you enter the promotional code, if eligible, you'll see the conditions needed to claim the bonus. Please keep in mind that promo codes are only valid for new users who created their account within the last 15 days. If you signed up earlier or have already used another code, you won’t be able to redeem it. ### Who can claim the reward? To claim the reward, you must: 1. Be eligible to sign up with Lightyear 2. Provide any supporting documentation you might need to complete onboarding. 3. Deposit at least 100€ into your account. The reward will be credited to your general account. If your first account wasn’t a general one (country-specific), you’ll need to open one in order to receive the reward. Remember we are a regulated investment firm, and as such may be required to ask additional questions to be able to offer you our services. ### What value of share will I get? Your value of a share will be randomly generated based on the following probabilities: - 10€ - 15€: 85% - 16€ - 30€: 12% - 31€ - 75€: 2% - 76€ - 100€: 1% Due to the randomized nature of generation, the actual distributed awards may differ from the weightings above. ### Can I withdraw my deposit once I get the reward? If you withdraw your initial deposit within 6 months of claiming the reward, the reward will be removed - see our [Terms and Conditions](https://lightyear.com/en-eu/signup-promotion-terms). ### 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](https://lightyear.com/en-eu/risk-disclosures) 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. --- Canonical: https://lightyear.com/en-eu/reward