Lightyear
FCA/EFSA
N26 Trading
BaFin
Lightyear vs N26 Trading
Head-to-Head Comparison 2026
Our Verdict
Lightyear has a higher rating of 4.1/5 compared to N26 Trading (3.7/5). Lightyear offers 3 instrument types, while N26 Trading offers 2. N26 Trading is BaFin-regulated, while Lightyear is supervised by FCA/EFSA. N26 Trading has been in the market since 2013, making it the more experienced provider.
Comparison Table
| Criteria | Lightyear | N26 Trading |
|---|---|---|
| Rating | 4.1/5 (500 reviews)✓ | 3.7/5 (450 reviews) |
| Regulation | FCA/EFSA | BaFin |
| Fees | €0 commission on US/EU stocks, 0.35% FX fee | €0 commission (included in N26 Metal), spread-based |
| Min. Deposit | 1 € | 1 € |
| Instruments | Stocks, ETFs, Government Bonds | Stocks, ETFs |
| Platforms | Lightyear App, Lightyear Web | N26 App |
| Options Trading | No | No |
| Founded | 2020 | 2013 |
| Headquarters | London | Berlin |
Detailed Comparison
Fee Comparison
Lightyear: €0 commission on US/EU stocks, 0.35% FX fee. Minimum deposit: 1 €.
N26 Trading: €0 commission (included in N26 Metal), spread-based. Minimum deposit: 1 €.
Product Range
Lightyear (3 categories)
N26 Trading (2 categories)
Trading Platforms
Lightyear
- Lightyear App
- Lightyear Web
N26 Trading
- N26 App
Regulation & Security
Lightyear is regulated by FCA/EFSA (HQ: London).
N26 Trading is regulated by BaFin (HQ: Berlin).
Who Is It For?
Lightyear
Commission-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
N26 Trading
German neobank with integrated stock trading
✓ Integrated into N26 banking app
✓ BaFin-regulated German bank
✓ Fractional shares available
✗ Very limited stock selection
✗ No professional trading tools
Frequently Asked Questions
Is Lightyear or N26 Trading cheaper?
Which broker offers more products: Lightyear or N26 Trading?
Which broker is better regulated?
Is Lightyear or N26 Trading better for beginners?
Lightyear vs N26 Trading: Which broker is better overall?
Lightyear
Commission-free stock trading with multi-currency accounts
Open Account →From 1 € min. deposit