What you actually own when you buy through Freedom Finance
A price comparison stops at the commission. This page starts after it: whether the trade leaves you holding a security or a contract, whose name that security is registered in, and what the document Freedom Finance Europe Ltd (Cyprus, CySEC CIF 275/15) publishes says becomes of it if the firm fails.
Which entity and which product this covers
Applies to Freedom Finance Europe Ltd, licensed by CySEC under CIF 275/15, under its General Terms of Business effective 01.07.2026. The same terms give the client a right to demand delivery of some or all of the portfolio held in the securities account on three business days' written notice. The nominee and the custodian are never named. Whether this entity sells contracts for difference on shares was not established: the terms of business do not contain the words 'CFD' or 'contract for difference' anywhere, and its current fee schedule prices only exchange-traded stocks, ETFs, futures and options — but neither document denies such a product outright.
Do you own real shares when you buy through Freedom Finance?
A real security — but not one registered in your name. Freedom Finance Europe Ltd (Cyprus, CySEC CIF 275/15) holds client investments through a nominee or custodian, pooled in an omnibus account together with other clients. You are the beneficial owner: the shares are yours rather than the firm's, but they are not separately identifiable as yours in the register.
“Normally, Custody Assets will be held in the name of an eligible nominee. If Custody Assets are held in Company name or that of a custodian, the Custody Assets may not be segregated or separately identifiable from Company Assets or those of a custodian and, in the event of a default by the Company or the custodian, may be not as well protected from any claims by the Company creditors.”
What happens to your holdings if Freedom Finance fails?
Here is what Freedom Finance Europe Ltd (Cyprus, CySEC CIF 275/15) says in its own document, in its own words — including the part that qualifies it.
The counterweight in the same document
“Investments registered or recorded in the name of a nominee will be pooled with those of one or more of the Company's other clients. In the event of an irrecoverable shortfall following any default or failure by the custodian responsible for pooled investments, the Client may not receive full entitlement and may share in that shortfall pro-rata to original share of the Assets in the pool.”
Can a loss at Freedom Finance follow you past your balance?
Yes. Freedom Finance Europe Ltd (Cyprus, CySEC CIF 275/15) does not provide negative balance protection, so a gap through your stop can leave you owing the broker money.
Verified 2026-09-08 · Source document
Frequently asked questions
Do you own real shares when you buy through Freedom Finance?
What happens to your holdings if Freedom Finance fails?
Can a loss at Freedom Finance follow you past your balance?
How we verified this review
Every fact below is verified against primary sources. We refresh on a schedule and on reader feedback.