Updated September 29, 2026 · BrokerCue Editorial Team
City Index vs Mintos
City Index vs Mintos: the differences
| Compare | City Index ReviewSee alternativesSee alternatives |  Mintos |
|---|---|---|
| Minimum deposit | $0 | €50 |
| Inactivity fee | £12 | €4.90 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Spread betting | Bonds, ETFs, Crypto |
| Deposit and withdrawal fees | No deposit or withdrawal fees | Free bank transfer withdrawal; 2% card deposits |
| Account fee | Not confirmed | €0 |
| Regulators | Not confirmed | Latvijas Banka, LV LV |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | 70% | Not confirmed |
| Currency conversion fee | Not confirmed | 0.5% |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | Not confirmed | 2.5% |
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Key differences
- City Index scores higher overall: 9.3 vs 9.0.
- Markets: only City Index offers Stocks, Forex, CFDs.
- Markets: only Mintos offers Bonds.
Our verdict on each
City Index
City Index suits UK and European retail investors who want one account for shares, ETFs, forex, CFDs, crypto and spread betting without a deposit hurdle. A minimum deposit of $0 and No deposit or withdrawal fees keep entry costs low, though an inactivity fee of £12 makes long dormant accounts costly.
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 | City Index | Mintos |
|---|---|---|
| Cost | 9.1HigherMinimum deposit of $0 and No deposit or withdrawal fees, but an inactivity fee of £12 cuts the other way. | 8.9Account 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 | Not confirmed | 9.0 |
Side by side, item by item
| Markets | City Index | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Spread betting | Yes | No |
Where each is licensed and available
| Country | City Index | Mintos |
|---|---|---|
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
How they place
| Ranking | City Index | Mintos |
|---|---|---|
| Stock and ETF brokers | 67 of 471 | 9 of 471 |
Where these facts come from
City Index
- fxleaders.com: 2 facts, checked September 26, 2026
- brokerchooser.com: 1 fact, checked September 26, 2026
- cityindex.com: 1 fact, checked September 26, 2026
- topratedforexbrokers.com: 1 fact, 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 | City Index | Mintos |
|---|---|---|
| Features | Not confirmed | Crypto, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | Not confirmed | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Not confirmed | Email, Help centre, Community |
P2P lending
| Fact | City Index | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | City Index | Mintos | Median |
|---|---|---|---|
| Account fee | Not confirmed | €0at the median | €0 |
| Retail accounts that lose money | 70%below the median | 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 52 listed brokers.
Pros and cons
City Index
Pros
- No deposit barrier at $0, against a site median of €4.64
- No deposit or withdrawal fees keeps moving money on and off the account simple
- One account covers stocks, etfs and forex
Cons
- An inactivity fee of £12 is above the site median of €0
- The inactivity fee rank of 45 out of 56 sits well down the table
- Retail accounts that lose money stand at 70%, so the low entry cost does not reduce trading risk
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
City Index
Who it suits
- Retail investors who hold shares, ETFs, forex, CFDs, crypto and spread betting in one place
- UK and European readers who want no deposit or withdrawal charges
- Traders who will use the account often and avoid the inactivity fee of £12
Who should look elsewhere
- Long term savers who may leave an account dormant and pick up the inactivity fee of £12
- Readers who want a stated regulator and protection scheme, since none is listed for this brand
- eToro buyers chasing futures, which sit in stocks, etfs and forex but not in stocks, etfs and forex
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
City Index
What is the minimum deposit at City Index?+
The minimum deposit is $0, which puts City Index at rank 1 of 213 brands on this measure. That sits below the site median of €4.64, so the account can be opened with a small starting balance.
Does City Index charge for deposits and withdrawals?+
Moving money in and out carries No deposit or withdrawal fees, as listed for this brand. That keeps transfer charges out of the cost picture, though currency conversion on non account currency payments is not covered here.
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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