Featured partnerSign up to Lightyear and get up to €100 in a free fractional shareCapital at risk, terms apply. Seek guidance if necessary. Claim Up to €100 Capital at risk, terms apply. Seek guidance if necessary. - Up to €100 in a free fractional share or ETF with code EUINVEST when you open a Lightyear account and fund it. You pick the instrument, subject to availability.
- Open to new users resident in supported EU member states. The EUINVEST code is not available to UK residents.
- Deposit at least €100 within 15 days of signing up to qualify. The reward is credited to your general account.
- Share value is weighted: around 85% of users land in the €10 to €15 band, with higher values awarded far less often.
EU investors looking for a solid entry point into stock and ETF investing can use the promo code EUINVEST to receive up to €100 in a free fractional share or ETF when signing up with Lightyear. The platform has positioned itself as one of the more cost-effective options for Europeans looking to access American and European markets without excessive fees.
We tested the sign-up process, the promo code redemption, and the overall platform experience to give you an honest breakdown of what to expect.
Read our Lightyear review for EU investors for a closer look at fees, safety and the app experience.
The offerThe EUINVEST bonus at a glance
Sign up with Lightyear using the promo code EUINVEST and, once you meet the eligibility requirements, you receive a free fractional share or ETF worth up to €100. Here are the key terms of the offer.
Who is Lightyear?
Lightyear is a European investment platform regulated by the Estonian Financial Supervision Authority (Finantsinspektsioon) and operating under Lightyear Europe AS. The platform is specifically designed for EU-based investors who want access to US and European stock markets without the complexity that often comes with traditional international brokerages.
Lightyear states that customer assets are covered up to €20,000 by the Estonian Investor Protection Sectoral Fund. This protection does not cover investment losses, and your capital remains at risk.
If you are looking for a more established option, we also have a detailed Interactive Brokers review for EU investors.
How it worksHow the EUINVEST bonus works
The promo code EUINVEST grants eligible new Lightyear users a free fractional share or ETF worth up to €100. Under the promotion terms effective from 27 August 2026, the value is determined through a randomized tiered distribution:
- €10 to €15 (85% probability), most users will receive a reward in this range
- €16 to €30 (12% probability)
- €31 to €75 (2% probability)
- €76 to €100 (1% probability)
Being realistic about expectations here: the vast majority of users will land in the €10 to €15 bracket. That said, a free fractional share is still a worthwhile incentive for trying a new platform, even at the lower end of the range.
After meeting the eligibility requirements, the reward is credited to your general account. Lightyear's current public promotion page does not guarantee a specific credit time.
Step by stepHow to claim the EUINVEST bonus
If you recently signed up for Lightyear but have not yet claimed a promo code, you may still be eligible. The code can be applied within 15 days of account creation via the app's Settings, then Promotions, section, provided you have not already redeemed another promotional or referral offer.
MarketsWhat can you invest in?
Lightyear gives EU investors access to a practical range of markets. The core offering includes:
- US stocks listed on NYSE and NASDAQ, with fractional share support for higher-priced names
- European stocks across major EU exchanges
- ETFs from providers like Vanguard, iShares, and Amundi, with no execution or custody fees (fund manager fees and potential FX fees still apply)
- Multi-currency account allowing you to hold euros, US dollars, and British pounds without forced conversion
For EU investors specifically focused on building a long-term ETF portfolio, this covers the essentials. For those looking specifically at the S&P 500, Lightyear offers several index-tracking ETFs. We wrote a detailed guide on how to invest in the S&P 500 as a European that covers all your options.
CostsFees overview
Lightyear keeps its fee structure simple, which is one of the things we appreciated during testing:
The 0.35% FX conversion fee is competitive compared to many alternatives. If you are regularly buying US-listed assets, the multi-currency account feature helps minimize unnecessary conversions. For context, some competitors charge significantly more for currency conversion, which can eat into returns over time.
If you are interested in comparing this with other platforms, our Trade Republic review covers an alternative option for EU investors.
The verdictLightyear EUINVEST bonus: pros and cons
- Up to €100 in a free fractional share
- Only a €100 deposit required to qualify
- No ETF execution or custody fees (fund and potential FX fees still apply)
- Competitive 0.35% FX conversion fee
- Multi-currency account included
- Reward value cannot be withdrawn for 6 months
- 85% probability of receiving only €10 to €15
- Withdrawing the qualifying deposit within 6 months can remove the reward
- Reward is credited to a general account
- Cannot be combined with the referral bonus
Referral program
Separately from the EUINVEST promo code, Lightyear also runs a referral program. Under the terms applying from 11 June 2026, the referred customer normally needs to deposit at least €100 within 30 days, unless a different amount is shown in the app or campaign materials. Both people receive the same randomized reward under the current probability tiers. Referrer eligibility and the monthly reward cap are set in the app and can vary by country.
It is worth noting that the promo code bonus and the referral bonus cannot be combined. You can use one or the other when signing up, not both.
Terms to knowImportant terms and conditions
Before committing, these are the key terms you should be aware of:
- Be a new user who has not redeemed any Lightyear promo or referral offer
- Be resident in a supported EU member state
- Deposit at least €100 within 15 days of completing setup
- Have a general account available to receive the reward
- Not available to UK residents
- 6-month holding period before the value can be withdrawn
- Withdrawing the initial deposit within 6 months can remove the reward
- Standard FX fees apply when the free fractional share is purchased
- One promo per person, cannot be combined with other offers
You can sell the fractional share, but an amount equal to the reward's original value remains unavailable for withdrawal for 6 months.
The reward is credited to a general account. If your first account was country-specific, you need to open a general account to receive it.
There is an 85% probability of receiving between €10 and €15. Higher values are awarded far less often.
You can review the full official terms on Lightyear's signup promotion terms page.
Get startedReady to get started?
Get up to €100 after a €100 qualifying deposit
Frequently asked questions
Lightyear Europe AS is regulated by the Estonian Financial Supervision Authority and operates under MiFID II passporting rules across the EU. Lightyear states that customer assets are covered up to €20,000 by the Estonian Investor Protection Sectoral Fund. This does not protect against investment losses, and your capital remains at risk.
Lightyear credits the reward after you complete onboarding and meet the qualifying deposit condition. The current public promotion page does not guarantee a specific credit time. If you redeem the reward while the relevant market is closed, the order is filled after the market reopens.
Yes. Under the current terms you pick the fractional share or ETF you want, subject to availability on the platform. The reward value is still randomized and will fall within one of the tiered probability brackets.
The current offer requires a deposit of at least €100 within 15 days of signing up. If you do not meet that condition, you do not qualify for the reward under the current promotion.
No. The EUINVEST promo code is for EU residents only. UK investors are subject to different regulatory frameworks and would need to look for UK-specific promotional offers.
You can sell the fractional share, but an amount equal to the reward's original value cannot be withdrawn for 6 months. Lightyear also states that withdrawing the initial qualifying deposit within 6 months can cause the reward to be removed.
The EUINVEST bonus is competitive for the EU market. Trading 212 offers a free fractional share worth up to €100 with its promo code, and other brokers run their own sign-up offers. Each platform has different terms and holding periods, so it is worth comparing the full picture. eToro's welcome bonus requires a significantly higher deposit.
