Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs Mintos
Where Capital.com and Mintos differ
| Compare |  Capital.com |  Mintos |
|---|---|---|
| Minimum deposit | £20 | €50 |
| Account fee | £0 | €0 |
| Inactivity fee | £0 | €4.90 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread bettingCovers more | Bonds, ETFs, Crypto |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | Latvijas Banka, LV LV |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | Free deposits and withdrawals | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Web platform, Mobile app, MT4, TradingView | Web, iOS, Android |
| Stock trade fee | $0 | Not confirmed |
| Retail accounts that lose money | 65% | Not confirmed |
| Currency conversion fee | Not confirmed | 0.5% |
| Maximum retail leverage | 1:30 | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
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Key differences
- Capital.com scores higher overall: 9.3 vs 9.0.
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at Mintos: 2015 vs 2016.
- Capital.com is licensed in 1 more country.
- Markets: only Capital.com offers Stocks, Forex, CFDs.
- Platforms: only Capital.com offers Web platform, Mobile app, MT4.
- Platforms: only Mintos offers Web, iOS, Android.
- Support channels: only Capital.com offers Chat.
- Support channels: only Mintos offers Email, Community.
Our verdict on each
Capital.com
Capital.com suits traders who want one account across shares, forex, CFDs, crypto and bonds without a monthly or inactivity charge. UK clients sit under FCA regulation with FSCS protection of FSCS up to GBP 85,000. The minimum deposit of £20 is the only cost barrier, above CFI at $0.
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 | Capital.com | Mintos |
|---|---|---|
| Cost | 9.2HigherAccount fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.5Higher | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 9.1Higher | 9.0 |
What each covers
| Markets | Capital.com | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
| Spread betting | Yes | No |
How they place
| Ranking | Capital.com | Mintos |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 9 of 471 |
Where each is licensed and available
| Country | Capital.com | Mintos |
|---|---|---|
| Cyprus | CySEC HE 354252 Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 984500C46B3B7B69Y904 | Not confirmed |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United Kingdom | FCA 793714 | Not confirmed |
Where these facts come from
Capital.com
- capital.com: 5 facts, checked September 26, 2026
- investingreviews.co.uk: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- forexrev.com: 2 facts, checked September 26, 2026
- sashares.co.za: 2 facts, checked September 26, 2026
Mintos
- mintos.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- help.mintos.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Capital.com | Mintos |
|---|---|---|
| Features | Demo account, Mobile app | Crypto, Mobile app |
| Pricing model | Commission free, Low feesCovers more | Commission free |
| Legal entity | CAPITAL VAULT LTD | SIA Mintos Payments |
| Headquarters | Cyprus | Latvia |
| Founded | 2016 | 2015Lower |
| Support channels | Chat, Help centre | Email, Help centre, Community |
P2P lending
| Fact | Capital.com | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Capital.com | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Retail accounts that lose money | 65%lowest quarter | Not confirmed | 72.05% |
| 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
Capital.com
Pros
- No account fee at all, which puts it joint first on that measure in our data (£0).
- No inactivity charge, also joint first in our data, so an unused balance is not quietly billed (£0).
- Stock trades cost $0 under a commission-free model.
Cons
- The minimum deposit of £20 is far higher than CFI, which asks for $0.
- Support runs on chat and help centre, so there is no phone line for questions about a leveraged position.
- Retail accounts lose 65% of money, and the market is open around the clock.
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
Capital.com
Who it suits
- Traders who want shares, forex, CFDs, crypto and bonds in one account
- UK residents who want FSCS protection alongside a CySEC regulated entity
- People who keep a balance and would otherwise pay inactivity fees
Who should look elsewhere
- eToro, if you want a social platform with copy trading
- Vantage, if you would rather start from a smaller deposit of $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
Capital.com
What is the minimum deposit at Capital.com?+
The minimum deposit is £20 in the UK. That is higher than CFI at $0 and Vantage at $5. Clients who want a smaller opening balance may prefer a rival on that measure.
What does it cost to open and hold an account?+
There is no account fee, so the account costs £0. There is also no inactivity charge, at £0. Both rank the brand joint first on our data, so an unused balance is not billed.
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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