Freedom24Terms by market
- US
- Smart plan: USD 0.65 per contract; All-inclusive plan: USD 3 per contract + USD 10 per order
- Minimum deposit
- 0 €
- Spread figure
- Stocks from $0.02/share + $1.20/order (Smart plan), up to 8.3% interest on USD balance
Broker comparison
Freedom24 vs.
Lightyear
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonFreedom24
LightyearVS
Summary
Your goal decides
Freedom24 has a higher rating of 4.2/5 compared to Lightyear (4.1/5). Freedom24 offers 5 instrument types, while Lightyear offers 3. The minimum deposit is lower at Freedom24 with 0 €. Oversight: Freedom24: CySEC (Cyprus), licence 275/15; Lightyear: FCA/EFSA. Freedom24: Yes, listed options: US. Lightyear: No.
Freedom24Access to US and EU exchanges with real options and savings plans
LightyearCommission-free stock trading with multi-currency accounts
At a glance
The key differences
| Criterion | Freedom24 | Lightyear |
|---|---|---|
| Platforms | Freedom24 App, Freedom24 Web | Lightyear App, Lightyear Web |
| Product types | Stocks, ETFs, Options, Bonds, Futures | Stocks, ETFs, Government Bonds |
| Options trading | Yes, listed options: US | No |
| Fee model | US: Smart plan: USD 0.65 per contract; All-inclusive plan: USD 3 per contract + USD 10 per order | €0 commission on US/EU stocks, 0.35% FX fee |
| Minimum deposit | 0 € | 1 € |
| Regulation | CySEC (Cyprus), licence 275/15 | FCA/EFSA |
| More information | Details | Details |
Platforms
Freedom24
Freedom24 App, Freedom24 Web
Lightyear
Lightyear App, Lightyear Web
Product types
Freedom24
Stocks, ETFs, Options, Bonds, Futures
Lightyear
Stocks, ETFs, Government Bonds
Options trading
Freedom24
Yes, listed options: US
Lightyear
No
Fee model
Freedom24
US: Smart plan: USD 0.65 per contract; All-inclusive plan: USD 3 per contract + USD 10 per order
Lightyear
€0 commission on US/EU stocks, 0.35% FX fee
Minimum deposit
Freedom24
0 €
Lightyear
1 €
Regulation
Freedom24
CySEC (Cyprus), licence 275/15
Lightyear
FCA/EFSA
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
Freedom24Lightyear€0 commission on US/EU stocks, 0.35% FX fee
- Published fee
- €0 commission on US/EU stocks, 0.35% FX fee
- Minimum deposit
- 1 €
- Spread figure
- FX conversion 0.35%, stocks from $0–$1 per trade depending on market
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
Freedom24Check the provider’s execution policy and available order types for your account.
Provider informationLightyearCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
Freedom24StocksETFsOptionsBondsFutures
LightyearStocksETFsGovernment Bonds
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
Freedom24Freedom24 App · Freedom24 Web
Freedom24 offers its own web platform and mobile app for iOS and Android. The platform enables trading of stocks, ETFs, options, futures, and bonds across over 15 global exchanges. It provides real-time quotes, portfolio overviews, savings plan features, and basic analytical tools. The user interface is functional, though it could benefit from a more modern design.
Explore platformLightyearLightyear App · Lightyear Web
Lightyear offers its own mobile app for iOS and Android as well as a web platform. The app impresses with a modern, minimalist design and intuitive user experience. Users can trade stocks, ETFs, and government bonds, create watchlists, and track their portfolio in real time. The platform supports multi-currency accounts and provides basic charting features.
Explore platformFreedom24Freedom Finance Europe Ltd, Limassol (CY)
CySEC (Cyprus), licence 275/15
Regulatory informationRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
Freedom24Access to US and EU exchanges with real options and savings plans
- Real US options trading available
- Access to 15+ global exchanges
- Attractive daily interest on account balance
- Fees higher than neobrokers
- Platform could be more intuitive
LightyearCommission-free stock trading with multi-currency accounts
- No commissions on stocks and ETFs
- Multi-currency accounts without exchange fees
- Modern, user-friendly app
- Relatively new broker
- Limited product range
Find the broker that fits
Freedom24 oder Lightyear?
Side by side. Decided with knowledge.
See the differences that matter, and the Academy lessons that explain them.
VS
- Fees
- Platform
- Regulation
- Matching lessons
Two brokers. Many options. Your call.
Freedom24 and Lightyear do not earn the same way
The table shows what they cost. These lessons show how they earn, which is what the difference is made of.
Your questions
Frequently asked questions
How do fees differ between Freedom24 and Lightyear?
Freedom24: US: Smart plan: USD 0.65 per contract; All-inclusive plan: USD 3 per contract + USD 10 per order. Lightyear: €0 commission on US/EU stocks, 0.35% FX fee. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: Freedom24 or Lightyear?
Freedom24 offers Stocks, ETFs, Options, Bonds, Futures. Lightyear offers Stocks, ETFs, Government Bonds.
How are Freedom24 and Lightyear regulated?
The broker profiles list CySEC (Cyprus), licence 275/15 for Freedom24 and FCA/EFSA for Lightyear. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is Freedom24 or Lightyear better for beginners?
Freedom24 lists a 0 € minimum deposit and offers Freedom24 App, Freedom24 Web. Lightyear lists 1 € and offers Lightyear App, Lightyear Web. Compare usability, available products and costs for your intended use.
Freedom24 vs Lightyear: Which broker is better overall?
The choice between Freedom24 (4.2/5, 750 reviews) and Lightyear (4.1/5, 500 reviews) depends on your needs. Freedom24: Access to US and EU exchanges with real options and savings plans. Lightyear: Commission-free stock trading with multi-currency accounts.
How do spreads compare between Freedom24 and Lightyear?
Freedom24 offers typical spreads of Stocks from $0.02/share + $1.20/order (Smart plan), up to 8.3% interest on USD balance. Lightyear offers FX conversion 0.35%, stocks from $0–$1 per trade depending on market. Tighter spreads reduce trading costs especially for active trading.
Your next step
Your next step
Freedom24Access to US and EU exchanges with real options and savings plans
Open accountRead reviewLightyearCommission-free stock trading with multi-currency accounts
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.