Lightyear€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
Broker comparison
Lightyear vs.
N26 Trading
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonLightyear
N26 TradingVS
Summary
Your goal decides.
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. On spreads, Lightyear offers FX conversion 0.35%, stocks from $0–$1 per trade depending on market, while N26 Trading offers Stocks/ETFs from €0.90 (10 free trades/month with Metal plan), crypto spread ~1.5%.
LightyearCommission-free stock trading with multi-currency accounts
N26 TradingGerman neobank with integrated stock trading
At a glance
The key differences
| Criterion | Lightyear | N26 Trading |
|---|---|---|
| Platforms | Lightyear App, Lightyear Web | N26 App |
| Product types | Stocks, ETFs, Government Bonds | Stocks, ETFs |
| Options trading | No | No |
| Fee model | €0 commission on US/EU stocks, 0.35% FX fee | €0 commission (included in N26 Metal), spread-based |
| Minimum deposit | 1 € | 1 € |
| Regulation | FCA/EFSA | BaFin |
| More information | Details | Details |
Platforms
Lightyear
Lightyear App, Lightyear Web
N26 Trading
N26 App
Product types
Lightyear
Stocks, ETFs, Government Bonds
N26 Trading
Stocks, ETFs
Options trading
Lightyear
No
N26 Trading
No
Fee model
Lightyear
€0 commission on US/EU stocks, 0.35% FX fee
N26 Trading
€0 commission (included in N26 Metal), spread-based
Minimum deposit
Lightyear
1 €
N26 Trading
1 €
Regulation
Lightyear
FCA/EFSA
N26 Trading
BaFin
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
LightyearN26 Trading€0 commission (included in N26 Metal), spread-based
- Published fee
- €0 commission (included in N26 Metal), spread-based
- Minimum deposit
- 1 €
- Spread figure
- Stocks/ETFs from €0.90 (10 free trades/month with Metal plan), crypto spread ~1.5%
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
LightyearCheck the provider’s execution policy and available order types for your account.
Provider informationN26 TradingCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
LightyearStocksETFsGovernment Bonds
N26 TradingStocksETFs
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
LightyearLightyear 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 platformN26 TradingN26 App
N26 Trading is exclusively available through the N26 banking app for iOS and Android. The trading feature is seamlessly integrated into the banking interface. Users can buy stocks and ETFs, view their portfolio, and purchase fractional shares. The user interface is extremely simplified, offering basic price information but forgoing professional charting or analysis tools.
Explore platformRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
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
N26 TradingGerman 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
Find the broker that fits
Lightyear oder N26 Trading?
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.
Your questions
Frequently asked questions
How do fees differ between Lightyear and N26 Trading?
Lightyear: €0 commission on US/EU stocks, 0.35% FX fee. N26 Trading: €0 commission (included in N26 Metal), spread-based. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: Lightyear or N26 Trading?
Lightyear offers Stocks, ETFs, Government Bonds. N26 Trading offers Stocks, ETFs.
How are Lightyear and N26 Trading regulated?
The broker profiles list FCA/EFSA for Lightyear and BaFin for N26 Trading. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is Lightyear or N26 Trading better for beginners?
Lightyear lists a 1 € minimum deposit and offers Lightyear App, Lightyear Web. N26 Trading lists 1 € and offers N26 App. Compare usability, available products and costs for your intended use.
Lightyear vs N26 Trading: Which broker is better overall?
The choice between Lightyear (4.1/5, 500 reviews) and N26 Trading (3.7/5, 450 reviews) depends on your needs. Lightyear: Commission-free stock trading with multi-currency accounts. N26 Trading: German neobank with integrated stock trading.
How do spreads compare between Lightyear and N26 Trading?
Lightyear offers typical spreads of FX conversion 0.35%, stocks from $0–$1 per trade depending on market. N26 Trading offers Stocks/ETFs from €0.90 (10 free trades/month with Metal plan), crypto spread ~1.5%. Tighter spreads reduce trading costs especially for active trading.
Your next step
Your next step
LightyearCommission-free stock trading with multi-currency accounts
Open accountRead reviewN26 TradingGerman neobank with integrated stock trading
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.