Updated September 29, 2026 · BrokerCue Editorial Team
bunq vs Mintos
bunq vs Mintos: the differences
| Compare |  bunq |  Mintos |
|---|---|---|
| Minimum deposit | €10Lower | €50 |
| Markets | Stocks, ETFs, Crypto | Bonds, ETFs, Crypto |
| Regulators | De Nederlandsche Bank, SIPC | Latvijas Banka, LV LV |
| Platforms | Bunq app | Web, iOS, Android |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free bank transfer withdrawal; 2% card deposits |
| 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
- Mintos scores higher overall: 9.0 vs 8.9.
- Regulators: only bunq offers De Nederlandsche Bank, SIPC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at bunq: 2012 vs 2015.
- bunq is licensed in 1 more country.
- Minimum deposit is lower at bunq: €10 vs €50.
- Markets: only bunq offers Stocks.
- Markets: only Mintos offers Bonds.
- Platforms: only bunq offers Bunq app.
- Platforms: only Mintos offers Web, iOS, Android.
Our verdict on each
bunq
bunq suits beginners who want a modest minimum deposit, fractional shares and a mobile app for stocks, ETFs and crypto. Its published minimum is €10, but investors wanting a broader market selection or more support channels may prefer an alternative.
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 | bunq | Mintos |
|---|---|---|
| Cost | 8.9 | 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 | 9.1Higher | 9.0 |
Choosing between them
Pick bunq if minimum deposit matter most.
Pick Mintos if offer matter most.
Where each is licensed and available
| Country | bunq | Mintos |
|---|---|---|
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| Netherlands | Not confirmed | |
| United States | SIPC SIPC member 71344 | Not confirmed |
How they place
| Ranking | bunq | Mintos |
|---|---|---|
| Stock and ETF brokers | 8 of 490 | 9 of 490 |
Every fact side by side
| Fact | bunq | Mintos |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile appCovers more | Crypto, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Not confirmed |
| Legal entity | BUNQ US BD LLC | SIA Mintos Payments |
| Headquarters | Netherlands | Latvia |
| Founded | 2012Lower | 2015 |
| Support channels | Email, Help centre | Email, Help centre, CommunityCovers more |
P2P lending
| Fact | bunq | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | bunq | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €10above the median | €50highest quarter | €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
bunq
Pros
- The minimum deposit is €10.
- The available features include fractional shares, crypto and a mobile app.
- Regulatory listings include De Nederlandsche Bank in NL and SIPC in the US.
Cons
- Support runs through email and help centre only.
- The available markets cover stocks, ETFs and crypto.
- The stated EU investor protection is EU ICS up to EUR 20,000.
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
bunq
Who it suits
- Beginners comfortable investing through a mobile app.
- Investors interested in fractional shares.
- Retail investors focused on stocks, ETFs and crypto.
Who should look elsewhere
- Not for CFI users seeking a minimum deposit below €10.
- Not for eToro users seeking forex, CFDs or futures alongside the markets listed at stocks, etfs and crypto.
- Not for Vantage users seeking a minimum deposit below €10.
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
Current offers
bunq
Current offer
First period offer
No fees for buying or selling stocks for first 3 months: 0% for 3 months
Up to €100,000 in completed buy and sell orders
Source, checked September 26, 2026
Questions about each
bunq
What is bunq's minimum deposit?+
bunq lists a minimum deposit of €10. This makes the platform relevant to readers comparing entry requirements for stock, ETF and crypto investing.
Which markets are available on bunq?+
bunq offers stocks, etfs and crypto. Its market choice therefore centres on shares, funds tracking baskets of assets and digital assets through the app.
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.