# Claim up to €300 in a fractional share Invest through your business and earn 2.46% APY on your business cash with [BlackRock Money Market Funds](/money-market-funds). When you invest, your capital is at risk. [Only invest excess capital](help/business/investing-your-company-capital). Terms and conditions apply. Trusted by 8,000+ companies Invest and earn interest on your business cash today. Use the code to claim between €30 and €300 in a fractional share, MMF, or ETF of choice. Capital at risk. T&Cs apply. Only invest excess capital. ### Terms for the promotion - Register your business account: Open a Lightyear business account and enter your promo code during onboarding or later in the Promotions section. - Deposit into your account: Complete business verification, get an LEI number and deposit at least €1,000 within 45 days. - Claim up to €300: Receive between €30 and €300 in a fractional share, ETF, or Money Market Fund, credited to your business account. ## Disclaimer [**Terms & Conditions apply**](https://lightyear.com/signup-promotion-terms). This promotion is valid only for newly created business accounts registered within the last 15 days that have redeemed one promotional code or fewer. It applies to selected promo codes only. The reward can be withdrawn 6 months after it is credited. If you withdraw your initial net deposit within 6 months of claiming the reward, the reward will be removed. ## Earn high interest Put your company cash to work in our easy access, high yield Money Market Funds. ### Follows the Benchmarked against the European Central Bank's variable overnight interest rate, which is calculated daily. ### Managed by Looked after by BlackRock, the world’s largest asset manager, with over $10 trillion under management globally. ### No minimums From 1€ to infinity. We don’t limit the amount of money you can invest in Money Market Funds. ### Follows the The interest tracks the European Central Bank's rate trends, aiming for a slightly higher return than cash. ### Managed by Looked after by J.P. Morgan Asset Management, one of the world's leading asset managers. ### No minimums From 1€ to infinity. We don’t limit the amount of money you can invest in Money Market Funds. ## For businesses small and large From saving on fees to paying you interest, we help you make make the most out of your company funds. ### Any size business, any size deposit Whether you’re a startup, SME or bigger business, future-proof your company’s finances in minutes with an investment account that gives access to the world’s markets with no minimum or maximum deposit criteria. ### Treasury product managed by BlackRock Put your company cash in these highly liquid, low risk, interest-paying money market funds, an investment product traditionally reserved for large corporates who can buy in with a £1 million minimum investment. Instant withdrawals. ## Tools for your business Managing your company’s finances has never been easier. Extend your runway, manage foreign exchange exposure and interest-rate risk. ### Money market funds Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest. ### 6000+ Stocks and ETFs Invest in over 6000 international stocks and ETFs ### LEI registration Hassle-free Legal Entity Identifier registration for €48 + VAT ### Automatic W-8BEN-E Automatic W-8BEN-E form filling to help you claim a reduced tax rate on dividends from US stocks ## 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. ### Who can open a business account? Business accounts are available for companies with single and multiple shareholders in Austria, Belgium, Cyprus, Estonia, Finland, France, Italy, Greece, Hungary, Ireland, Latvia, Luxembourg, Netherlands, Slovakia, Spain, Lithuania, Malta, Portugal, Slovenia and the UK. The business accounts must meet our [required terms of service](/terms-business) / operate in a non-high risk industry. We cannot accept certain types of legal entities such as charities, trusts and foundations. The person opening the account must reside in a country in which Lightyear is already available for personal accounts (see [Can I open a business account?](/help/business/can-i-open-a-business-account)). If you have more than one business, you can open multiple business accounts with us. ### How much does it cost to open a business account? It’s free to open up a business account! We also don’t charge any custody or monthly fees. All you need to have at hand is your LEI code. If you don’t yet have an LEI, you can generate one within the Lightyear app for 48 € + VAT. If you’ve already registered an LEI — we’ll find it for you during onboarding, all you need to do is confirm the details. ### How can I use a promo code for my business account? To use a promo code for your business account, you'll first need to create and verify a personal account. Once that's verified, you can start registering your business account. While your business account is being verified, enter your code under Promotions: - Go to your personal profile - Select Settings - Select Promotions and enter your code If you're eligible, you'll see the conditions for claiming the bonus. Promo codes are only valid for business accounts registered within the last 15 days. If you signed up your personal account earlier and already used a code, you can still redeem a code for your business account — as long as you've claimed one promotional code or fewer in total. ### 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 account verification 3. Deposit at least €1,000 into your business account The reward will be credited to your business account. 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: - €30 - €50: 80% - €51 - €75: 15% - €76 - €150: 3% - €151 - €300: 2% Due to the randomized nature of generation, the actual distributed awards may differ from the weightings above. ### I can't claim a share. Why? If you can't claim a share and the page says "Waiting for your Business", it means you don't yet have an LEI number, which is required to claim a share. We're resolving this soon so businesses without an LEI can still claim a Money Market Fund, which doesn't require one. ### Can I withdraw my deposit once I get the reward? If you partially or fully withdraw your initial net 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-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-hu/reward-business