Updated September 29, 2026 · BrokerCue Editorial Team
Admirals vs Mintos
Where Admirals and Mintos differ
| Compare |  Admirals |  Mintos |
|---|---|---|
| Minimum deposit | $25 | €50 |
| Inactivity fee | €10 | €4.90Lower |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, BondsCovers more | Bonds, ETFs, Crypto |
| Regulators | FCA, CySEC, ASIC | Latvijas Banka, LV LV |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Stock trade fee | $0.020 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Not confirmed | Web, iOS, Android |
| Maximum retail leverage | 1:30 | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
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Key differences
- Admirals scores higher overall: 9.3 vs 9.0.
- Regulators: only Admirals offers FCA, CySEC, ASIC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at Admirals: 2001 vs 2015.
- Admirals is licensed in 2 more countries.
- Inactivity fee is lower at Mintos: €4.90 vs €10.
- Markets: only Admirals offers Stocks, Forex, CFDs.
Our verdict on each
Admirals
Admirals suits retail investors who want one account across several markets with UK regulation behind it. Costs sit mid pack: a stock trade fee of $0.02 and an inactivity fee of €10 put it ahead of some rivals and behind cheaper ones.
Mintos
Mintos is a cheap, commission-free platform for lending money to businesses through their loan marketplace, with an account fee of €0 and a secondary market for exiting early. It suits investors who want lending exposure in euro-denominated loans rather than a share dealing account, and accept that the money carries borrower default risk.
Score breakdown
| Area | Admirals | Mintos |
|---|---|---|
| Cost | 8.8A stock trade fee of $0.02 on a $25 minimum deposit, plus €10 for idling. | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.7Higher | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 9.5Higher | 9.0 |
Pick Admirals if, pick Mintos if
Pick Admirals if offer, trust, and markets matter most.
Pick Mintos if inactivity fee matter most.
Where each is licensed and available
| Country | Admirals | Mintos |
|---|---|---|
| Australia | Not confirmed | |
| Cyprus | Not confirmed | |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United Kingdom | Not confirmed |
Positions in our rankings
| Ranking | Admirals | Mintos |
|---|---|---|
| Stock and ETF brokers | 64 of 471 | 9 of 471 |
Every fact side by side
| Fact | Admirals | Mintos |
|---|---|---|
| Features | Not confirmed | Crypto, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | Admirals SC Ltd | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Founded | 2001Lower | 2015 |
| Support channels | Not confirmed | Email, Help centre, Community |
P2P lending
| Fact | Admirals | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Admirals | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $0.020highest quarter | Not confirmed | $0 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | €10above the median | €4.90above the median | €2.45 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
| Interest on cash | Not confirmed | 2.5%below the median | 3% |
Median across 91 listed brokers.
Pros and cons
Admirals
Pros
- Regulated by the FCA in the UK, plus CySEC and ASIC, so UK clients sit under a UK watchdog and client asset rules
- Investor protection stated as FSCS up to GBP 85,000
- One account spans stocks, etfs and forex, so forex, CFDs, shares, ETFs, crypto and bonds sit in one place
Cons
- An inactivity fee of €10 applies, and it ranks high at 39 of 56 brands on this measure
- The stock trade fee of $0.02 sits above the site median of €0, and above the commission free model offered by eToro at $0
- The minimum deposit of $25 ranks at 120 of 213, so it is not the cheapest account to open
Mintos
Pros
- The account fee is €0, and Mintos ranks at 1 of 138 brands on that measure
- Investing is commission-free, and the minimum investment is €50
- A secondary market is available, so loans can be sold before they mature
Cons
- Card deposits cost Free bank transfer withdrawal; 2% card deposits, so topping up is dearer than a bank transfer
- An inactivity fee of €4.90 applies, against an inactivity fee position of 33 of 56
- The minimum deposit of €50 sits far above a site minimum deposit median of €4.64
Who each suits
Admirals
Who it suits
- UK retail investors who want an FCA regulated account covering shares, ETFs, forex, CFDs, crypto and bonds in one place
- Investors who hold across asset classes and want FSCS up to GBP 85,000 behind the balance
- Traders who can start small on a $25 minimum deposit and trade on a $0.02 stock fee
Who should look elsewhere
- Anyone wanting a commission free stock deal, where eToro charges $0
- Long term holders who leave a balance untouched, since the inactivity fee runs at €10
- Anyone starting with no money at all, since CFI opens on a minimum deposit of $0 and Vantage on $5
Mintos
Who it suits
- Investors who want to lend to businesses and earn a target return of 9.2%
- Lenders who want a secondary market to sell a loan before it matures
- Euro-based investors who accept that defaults can reduce returns
Who should look elsewhere
- Share traders, who should look at eToro with a commission-free model and a wider market list
- Anyone wanting to start with a very small sum, since CFI takes a minimum deposit of $0
- Lenders who need a guaranteed buyback, as the return of 9.2% is a target rather than a promise
Questions about each
Admirals
What does Admirals charge to trade a stock?+
A stock trade fee of $0.02 applies on trades. That is above the site median of €0, so a reader who deals in shares often should weigh the cost against a commission free alternative before committing.
How much do I need to open an account?+
The minimum deposit is $25. The site median across tracked brands is €4.64, and Admirals ranks at 120 of 213 on this measure, so the entry point is accessible without being the lowest available.
Mintos
What fees does Mintos charge on an account?+
The account fee is €0, and the platform is commission-free, so there is no dealing charge on an investment. The charges that apply are a currency conversion fee of 0.5%, card deposit costs set out as Free bank transfer withdrawal; 2% card deposits, and an inactivity fee of €4.90.
How much do I need to put in to start lending?+
The minimum deposit is €50, and the smallest single investment is €50. The two figures are close, so funding to the deposit minimum is enough to purchase a loan. For scale, the site median for a minimum investment is €25.
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