New UK users who deposit £100 and enter promo code MMB get a free fractional US share, most often worth £10 to £20, that must stay in the account for six months.
Researched and rated by the BrokerBonuses editorial team · Last verified 2026-06-07 · How we rate
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Value rating breakdown
Availability
Checking availability…The catch
The free reward share is credited only to a General Investment Account (GIA), never a tax-free ISA, and the ENTIRE original reward value is locked for 180 days (6 months) from the date it is credited. Per Lightyear's official signup-promotion terms, if you sell or convert the reward share during this period, a sum on the account equal to the reward's original value remains frozen and cannot be withdrawn or transferred.
How to claim
- Sign up for a new Lightyear account via the referral link
- Enter promo code MMB during sign-up, or within 15 days via Profile then Settings then Promotions
- Complete onboarding and open a General Investment Account (GIA)
- Deposit at least £100 within 15 days of account creation
- Receive a free fractional US share, typically credited within 24 to 48 hours
Full review
Lightyear gives new UK customers a free fractional share in a US company when they open an account, enter promo code MMB, and deposit at least £100 within 15 days. The advertised "up to £100" figure is the top of a randomised range, not the typical outcome.
Lightyear's own probability table shows an 80% chance the reward is worth £10 to £20, a 15% chance of £20 to £50, a 3% chance of £50 to £75, and only a 2% chance of £75 to £100, so most people should expect a share worth around £10 to £20.
The catch is the lock-up. The reward must remain in the account for 180 days (6 months) from the date it is credited before it can be withdrawn or transferred out. That holding period applies to the original reward value even if you sell the underlying share, and the reward can only be paid into a General Investment Account (GIA), not an ISA.
Your own £100 deposit is not locked, only the free share value. The share is usually credited within 24 to 48 hours of meeting all conditions. Eligibility is limited to new Lightyear users who have not previously redeemed a promotional code, who complete onboarding, and who pass identity checks.
The code can be entered during sign-up or within 15 days of account creation via Profile, Settings, Promotions. Lightyear U.K. Ltd is authorised and regulated by the Financial Conduct Authority (FRN 987226).
Pros
- +No-cost free share just for depositing £100
- +Your £100 deposit itself is not locked and stays accessible
- +Provider is FCA-regulated (Lightyear U.K. Ltd, FRN 987226)
- +Code can still be applied up to 15 days after sign-up
Cons
- −Realistic reward is only £10 to £20 for most users, far below the £100 headline
- −Free share value locked for 180 days (6 months) before withdrawal
- −Reward only goes into a GIA, not a tax-free ISA
- −New customers only and no prior promo code redeemed
- −withdrawability is mislabeled as profits_only: per the official terms the FULL reward value (principal, not just profits) is locked for 180 days if you sell the share, so the reward is effectively non-withdrawable for 6 months
- −Reward value is randomised; the £100 figure has only a 2% chance and 80% of users get just £10-£20 vs the £100 headline
£15 with Lightyear
Now you know the terms. Claim it on the broker's own site.
Sources & verification
We research every bonus from the broker's official pages and re-check it on a 60-day schedule.
Confirmed against official sources: title, type, status, Bonus amount, Account type, Withdrawal terms, Hold requirement, Minimum deposit, Time limit.
Broker regulation: Financial Conduct Authority (license FRN 987226), Estonian Financial Supervision Authority (license 4.1-1/31).
- Bonus terms and conditions: lightyear.com ↗
- Lightyear official site: lightyear.com ↗
Last verified 2026-06-07. Next review within 60 days.