Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs Mintos
What sets them apart
| Compare |  Bitpanda |  Mintos |
|---|---|---|
| Minimum deposit | €1Lower | €50 |
| Markets | Stocks, ETFs, Crypto, Metals | Bonds, ETFs, Crypto |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | Latvijas Banka, LV LV |
| Deposit and withdrawal fees | Free deposits | Free bank transfer withdrawal; 2% card deposits |
| Stock trade fee | €1 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Currency conversion fee | Not confirmed | 0.5% |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Bitpanda scores higher overall: 9.3 vs 9.0.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Bitpanda is licensed in 2 more countries.
- Minimum deposit is lower at Bitpanda: €1 vs €50.
- Markets: only Bitpanda offers Stocks, Metals.
- Markets: only Mintos offers Bonds.
- Support channels: only Mintos offers Email, Community.
- Features: only Bitpanda offers Fractional shares, Demo account.
Our verdict on each
Bitpanda
Bitpanda suits retail investors in Europe who want one app for shares, ETFs, crypto and metals, starting from a minimum deposit of €1. Regulated in Austria, Germany and Malta, it charges €1 for a stock trade, a per-trade cost active traders will notice.
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 | Bitpanda | Mintos |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 8.7 | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 10.0Higher | 9.0 |
What each covers
| Markets | Bitpanda | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Metals | Yes | No |
A third option
XTB has minimum deposit at €0, against €1 for Bitpanda and €50 for Mintos.
XTB reviewHow they place
| Ranking | Bitpanda | Mintos |
|---|---|---|
| Stock and ETF brokers | 11 of 490 | 9 of 490 |
Every fact side by side
| Fact | Bitpanda | Mintos |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Crypto, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | Bitpanda GmbH | SIA Mintos Payments |
| Headquarters | Austria | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Help centre | Email, Help centre, CommunityCovers more |
P2P lending
| Fact | Bitpanda | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Bitpanda | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | €50highest quarter | €1 |
| Stock trade fee | €1at the median | Not confirmed | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €0 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
| Interest on cash | Not confirmed | 2.5%below the median | 3% |
Median across 38 listed brokers.
Pros and cons
Bitpanda
Pros
- The minimum deposit is €1, low against the site median of €4.64
- A stock trade costs €1 and deposits are free
- Regulated by the FMA, BaFin and the MFSA, with investor protection stated as EU ICS up to EUR 20,000
Cons
- Stock trade fees of €1 are higher than a commission-free model, where eToro charges $0
- Support runs on help centre only
- A flat stock trade fee of €1 does not suit frequent small trades
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
Bitpanda
Who it suits
- Beginners building a first portfolio in euro amounts
- Investors who want shares and crypto in one app
- Retail investors who value a low deposit of €1
Who should look elsewhere
- Active traders, since eToro charges $0 on a stock trade
- Anyone wanting phone or live chat help, as support runs on help centre
- Anyone wanting to start without funding, since CFI asks for a minimum deposit of $0 against €1 here
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
Bitpanda
What is the minimum deposit at Bitpanda?+
The minimum deposit is €1, below the site median of €4.64, and Bitpanda ranks at 75 of 213 brands on that measure. Money can also be added at no charge, since deposits are free.
How much does it cost to trade shares?+
A stock trade costs €1. That sits above a commission-free model, where eToro charges $0, and Bitpanda ranks at 116 of 161 brands on stock trade fees, so the cost per order is the figure to weigh.
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.