# Claim up to £100 in a fractional share Start your investing journey with Lightyear. From ISAs to business accounts. When you invest, your capital is at risk. Our ISAs are commission-free but other fees (like FX and fund manager fees) may apply. Start building your portfolio today and use the code to get between £10 and £100 in a fractional share or ETF of choice. 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 Investment Account. - Pick your share: Choose the fractional share or ETF you'd like to start your investing journey with. ## Disclaimer [**Terms & Conditions apply**](https://lightyear.com/en-gb/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 The reward can be withdrawn 6 months after it’s credited.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. ## Invest and save Maximise tax-free allowances with our ISAs, and go even further with our GIA and business accounts. ### Stocks & Shares ISA - No order fees - Flexible ISA - 3.83% AER through Vaults ### Cash ISA - 3.75% AER interest - Flexible ISA - No withdrawal penalties ### General Investment Account - No order fees - Multi-currency account - 3.83% AER through Vaults ### Business - Trusted by 5,000+ businesses - BlackRock Money Market Funds - Hold Pounds, Dollars and Euros ## 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. - Currency conversion (FX) - Monthly fee - ETFs: per order - US stocks: per order - UK stocks: per order - EU stocks: per order Data accurate as of 3rd June 2026. **Trading 212:** Based on their Invest fees [page](https://www.trading212.com/terms/invest). **Hargreaves Lansdown**: Based on their [__Stocks & Shares ISA__](https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changes). Stock trading costs depend on the number of trades made in the previous month. The standard online dealing charge is £6.95 per trade for up to 19 trades in the previous month and £3.95 per trade for 20 or more trades. Shares, exchange-traded funds (ETFs) and investment trusts are charged at 0.35% per year, capped at £150 per account. Foreign exchange (FX) fees are tiered: 0.99% on the first £10,000, 0.75% on the next £10,000, 0.50% on the next £20,000, and 0.25% on amounts above £40,000. Additional dealing charges may apply for certain instruments, such as funds. **Interactive Investor:** Based on their pricing plans [page](https://www.ii.co.uk/our-charges). II offer 3 different plans; Core, Plus and Premium. There is a portfolio limit of £100k for Core. The table shows the range across these 3 plans. FX is 0.75% for Core, 0.75% for the first £50k in Plus and 0.25% over £50k, and 0.25% in Premium. Full breakdown of their pricing is available [here](https://lightyear.com/en-gb/comparison/interactive-investor-vs-lightyear). **AJ Bell:** Based on their [Stocks & Shares ISA](https://www.ajbell.co.uk/isa/stocks-shares-isa/charges). The AJ Bell fees for trading ETFs and stocks are based on trades in the previous month. If you had more than 10 share deals in the previous month then the £5.00 charged is reduced to £3.50. AJ Bell's FX fee in their ISA is 0.75% on the first £10,000 going down to 0.50% on the next £10,000 and to 0.25% on values over £20,000 ## Multi-award winning - [Good Money Guide](https://goodmoneyguide.com/review/lightyear/lightyear-stocks-shares-isa/) - [The Times Money Mentor](https://www.thetimes.com/money-mentor/investing/stocks-shares-isa/best-stocks-shares-isa) - [Financial Interest](https://financialinterest.com/compare/lightyear/) ## Asset types to suit every investor Growing wealth over the long term or hedging against risk? We’ve got tools and asset types to suit every investor. ### US stocks 4,000+ US stocks across the NYSE and Nasdaq. ### UK stocks Invest in UK stocks trading on the London Stock Exchange. ### EU stocks Invest in stocks from across Europe: Germany, France, Belgium, Netherlands, and more. ### 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. ## Protection and regulation Trusting us with your investments is something we don’t take for granted. ### Regulated and insured - Regulated by the FCA: We're authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)). - FSCS protection: Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS deposit protection applies to client money only where held with UK banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected). ### Safeguarding your assets - We safeguard your cash: Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected). - Your assets are yours, no one else's: You are the beneficial 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. ### 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 a 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 Investment Account (GIA). If your first account wasn’t a GIA, you’ll need to open one in order to receive the reward. Remember we're 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 - £20: 80% - £21 - £50: 15% - £51 - £75: 3% - £76 - £100: 2% 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/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-gb/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. Free, impartial guidance covering cash reserves, losses and more, is available at [MoneyHelper](https://www.moneyhelper.org.uk) & [InvestSmart (FCA)](https://www.fca.org.uk/investsmart) including: [A beginners guide to investing](https://www.moneyhelper.org.uk/en/savings/investing/investing-beginners-guide), [5 questions to ask before you invest](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest), [Make sure you understand the risks](https://www.moneyhelper.org.uk/en/savings/investing/thinking-about-investing-make-sure-you-understand-the-risks), [Is it the right investment for you](https://www.fca.org.uk/investsmart/right-investment-you). --- Canonical: https://lightyear.com/en-gb/reward