What Fidelity's New Customer Offer Actually Delivers in 2026
Fidelity International's current new customer incentive provides UK residents with a £100 Amazon Gift Card when they open a Stocks & Shares ISA, Self-Invested Personal Pension (SIPP), or General Investment Account (GIA) and deposit a minimum of £5,000 within 12 months of registration, as independently verified by UseMyCode on 7 June 2026. This offer is delivered through Mention-Me, Fidelity's official referral partner, which handles tracking, validation, and reward distribution across a secure platform.
The £100 bonus represents a 2% effective return on the minimum qualifying deposit, making it one of the highest guaranteed welcome incentives in the current UK investment platform market. Unlike random "free shares" giveaways that vary wildly in value, this is a fixed, predictable reward—provided you meet the straightforward eligibility criteria. The gift card is delivered electronically via email within 90 to 120 days of your deposit clearing, allowing time for Fidelity's compliance and account validation processes.
One critical distinction: this is not a discount on platform fees or trading costs. Fidelity's ongoing platform fee remains 0.35% per annum (tiered for larger portfolios). The £100 is a one-time customer acquisition incentive funded separately from your investment account management costs. It functions as a welcome bonus, not a fee waiver.
Understanding the Eligibility Rules: Who Can Claim the Fidelity Offer
Fidelity's new customer offer is strictly limited to UK residents aged 18 or over who have not held an active Fidelity account within the previous 12 months, as stated in the brand's official terms and verified by UseMyCode. This "new customer" definition is absolute—if you closed a Fidelity account less than 12 months ago, you are ineligible, even if you had no balance remaining.
The offer applies only to three account types: Stocks & Shares ISAs, Self-Invested Personal Pensions (SIPPs), and General Investment Accounts (GIAs). Junior ISAs, Cash ISAs, and any corporate or institutional accounts are explicitly excluded. If you accidentally open an ineligible account type, the referral tracking will not trigger, and you will forfeit the £100 bonus entirely—there is no retroactive correction or manual override available.
Your initial deposit must be a single lump sum of at least £5,000 in new money—meaning cash transferred directly from your bank account. In Specie transfers (moving existing shares, funds, or assets from another provider) do not count toward the qualifying threshold and will disqualify you from the bonus. This restriction is designed to prevent asset-shuffling and ensure genuine new capital enters the Fidelity platform.
You must also be a UK tax resident and pass Fidelity's standard Know Your Customer (KYC) and anti-money-laundering verification checks. These are routine compliance requirements for all UK investment platforms and typically involve confirming your identity, address, and source of funds. If Fidelity flags any concerns during verification, your account opening may be delayed or rejected, which would also prevent the referral bonus from crediting.
The Deposit Requirement: Why £5,000 Matters and What Happens If You Deposit More
Fidelity's £5,000 minimum deposit threshold is higher than many newer fintech investment apps (which often have £1 or £100 minimums) but significantly lower than the £20,000+ thresholds required by traditional wealth management platforms to unlock comparable cash bonuses. This positioning reflects Fidelity's target demographic: established savers with meaningful capital to invest, not micro-investors building positions over time.
The £5,000 must be deposited within 12 months of your account registration date. You do not need to deposit it immediately—you have a full year to fund the account. However, the clock starts from the date you open the account, not from the date you use the referral link. If you register via the Mention-Me portal on 1 June 2026 but do not deposit funds until 1 June 2026 + 1 year, you will still qualify, provided the deposit clears before the 12-month anniversary.
If you deposit more than £5,000—say, £10,000 or £20,000—the bonus remains fixed at £100. There is no tiered reward structure; the incentive does not increase with larger deposits. This flat-rate structure means the effective cashback percentage decreases as your deposit grows (2% on £5,000 versus 1% on £10,000 versus 0.5% on £20,000). For larger investors, this is still competitive against alternatives, but it is worth understanding that the bonus does not scale with your investment size.
The deposit must remain in the account for at least 12 months from the date it clears. If you withdraw the full balance or close the account before the 12-month mark, Fidelity may claw back the £100 bonus or withhold it from crediting. The exact clawback mechanics are not always transparent in promotional materials, so we recommend contacting Fidelity support directly if you anticipate needing access to the capital within the first year.
How the Referral Tracking Works: The Mention-Me Mechanism Explained
Fidelity's referral programme operates through Mention-Me, a third-party referral platform that specialises in secure, transparent tracking and reward distribution for major UK and European brands including Zipcar, Emma Mattress, and numerous financial institutions. Mention-Me is FCA-regulated and operates under strict data protection and promotional standards, ensuring that the referral attribution process is auditable and compliant with UK consumer law.
The tracking mechanism works in three stages. First, when you click the verified referral link on UseMyCode, you are directed to a secure Mention-Me landing page where you enter your email address. This registration step "locks in" your eligibility and creates a unique referral record linked to your email. Second, Mention-Me drops a secure tracking cookie in your browser to maintain the referral connection during your application. Third, when you complete your Fidelity account opening and deposit, Fidelity's systems communicate with Mention-Me to confirm that the referral conditions have been met, triggering the reward issuance.
This cookie-based tracking is more reliable than older affiliate systems because it uses encrypted, first-party data rather than relying on URL parameters that can be lost or corrupted. However, it does require that you keep your browser session active throughout the application process and that you do not clear cookies or switch browsers between clicking the referral link and completing your deposit. If you close your browser, clear cookies, or use a different device, the tracking connection may break, and the referral will not be attributed.
Common tracking failures occur when users have active ad-blockers, tracking prevention features (like Firefox's Enhanced Tracking Protection or Safari's Intelligent Tracking Prevention), or "Do Not Track" browser settings enabled. These security tools block the Mention-Me tracking script, preventing the referral from registering. Before clicking the referral link, temporarily disable these features. After completing your account opening and deposit, you can re-enable them for normal browsing.
UseMyCode Tip: After registering your email on the Mention-Me landing page, take a screenshot of the confirmation page showing your registered email and the Mention-Me reference number. Save this as evidence should any tracking issues arise during the 120-day validation period. This proof can significantly speed up resolution if the reward fails to credit.
Timeline and Conditions: When Your £100 Bonus Arrives
The Fidelity £100 Amazon Gift Card is not issued immediately upon deposit; it follows a verification cycle designed to prevent fraud and ensure compliance with UK financial promotion regulations. The typical timeline spans 90 to 120 days from the date your £5,000 deposit clears into your Fidelity account, though this can extend slightly if Fidelity's compliance team flags any verification issues.
During this holding period, Fidelity confirms that your account remains active and in good standing, that your deposit has fully cleared from your bank, and that no anti-money-laundering or Know Your Customer concerns have been raised. Both you (the new customer) and the referrer (the person who provided the link) will receive their respective rewards once this validation is complete. The gift card is delivered via email to the address you registered with Mention-Me, so check your inbox and spam folder carefully if you have not received it after 120 days.
One important condition: your account must remain open and funded throughout the 12-month holding period. If you close your account or withdraw the full balance before 12 months have elapsed, Fidelity may claw back the £100 bonus or prevent it from crediting in the first place. This requirement is standard practice in the financial services industry and is designed to prevent "bonus hunting"—the practice of opening accounts solely to claim incentives without genuine investment intent.
If you have not received your gift card after 120 days, first verify that your initial deposit was a single lump sum of at least £5,000 and that it came from a new money source (not a transfer from another provider). Confirm that you opened an eligible account type (ISA, SIPP, or GIA) and that your account remains active. If all conditions are met, contact Mention-Me support directly with your registration email and Fidelity account details. Provide screenshots of the Mention-Me confirmation page if available to expedite resolution. Claim your Fidelity new customer offer code to access the verified referral link and start the process.
Fidelity 2026: Our Verdict for First-Time Investors
Fidelity's £100 Amazon Gift Card offer represents genuine value for UK investors with a lump sum of £5,000 or more who are committed to a 12-month minimum investment horizon, as verified by UseMyCode on 7 June 2026. The bonus is one of the highest guaranteed welcome incentives in the current market for this deposit level, and the platform itself offers institutional-grade stability, comprehensive fund selection (over 4,000 options), and competitive fees (0.35% annually, tiered).
The key decision point is whether Fidelity's platform and fee structure align with your investment goals and portfolio size. For serious long-term investors building diversified portfolios within ISAs or SIPPs, Fidelity is an excellent choice. The 12-month retention requirement is strict but sensible—it discourages short-term bonus hunting and aligns with sound wealth-building principles. If you were already planning to invest at least £5,000 and wanted a regulated, FCA-backed platform with extensive research tools and professional-grade infrastructure, the £100 bonus makes Fidelity a compelling option in 2026. Use the verified referral link to register your interest, complete your account opening, and deposit your funds to unlock the bonus.
About This Article
This article was written by the UseMyCode editorial team and last reviewed on 7 June 2026. UseMyCode independently verifies every referral link and discount code before publication. This page may contain affiliate links — see our editorial policy for details.
