Updated September 29, 2026 · BrokerCue Editorial Team
Fidelity vs Mintos
Where Fidelity and Mintos differ
| Compare |  Fidelity |  Mintos |
|---|---|---|
| Minimum deposit | $0 | €50 |
| Account fee | $0 | €0 |
| Inactivity fee | $0 | €4.90 |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex | Bonds, ETFs, Crypto |
| Regulators | SEC, FINRA, SIPC | Latvijas Banka, LV LV |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Stock trade fee | $0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0.5% |
| Margin rate | 12.375% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Not confirmed | Web, iOS, Android |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Fidelity scores higher overall: 9.5 vs 9.0.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at Fidelity: 1946 vs 2015.
- Markets: only Fidelity offers Stocks, Options, Funds.
- Markets: only Mintos offers Crypto.
- Support channels: only Fidelity offers Phone.
- Support channels: only Mintos offers Email, Help centre.
- Features: only Fidelity offers Fractional shares, Demo account, Options.
Our verdict on each
Fidelity
Fidelity is a US brokerage that suits investors who want to hold and trade without a standing charge: its minimum deposit, account fee and inactivity fee all sit at $0, $0 and $0. Stock dealing is commission-free, with SIPC protection recorded as SIPC up to USD 500,000.
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 | Fidelity | Mintos |
|---|---|---|
| Cost | 9.1HigherSite ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 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 | 9.8Higher | 9.0 |
Availability and regulation
| Country | Fidelity | Mintos |
|---|---|---|
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United States | SIPC SIPC member 23292 | Not confirmed |
Where they rank in our lists
| Ranking | Fidelity | Mintos |
|---|---|---|
| Stock and ETF brokers | 46 of 471 | 9 of 471 |
Side by side, item by item
| Markets | Fidelity | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| Options | Yes | No |
| Futures | Yes | No |
| Crypto | No | Yes |
| Bonds | Yes | Yes |
| Funds | Yes | No |
What we checked
Fidelity
- brokerage-review.com: 6 facts, checked September 26, 2026
- editorialge.com: 5 facts, checked September 26, 2026
- en.wikipedia.org: 4 facts, checked September 26, 2026
- fidelity.com: 1 fact, checked September 26, 2026
- sipc.org: 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 | Fidelity | Mintos |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more | Crypto, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Beginners, Experienced | Not confirmed |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | SIA Mintos Payments |
| Headquarters | United States | Latvia |
| Founded | 1946Lower | 2015 |
| Support channels | Phone, Community | Email, Help centre, Community |
Robo-advisors
| Fact | Fidelity | Mintos |
|---|---|---|
| Minimum investment | Not confirmed | €50 |
| Portfolio types | ETF, ESG, Crypto | Not confirmed |
P2P lending
| Fact | Fidelity | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Fidelity | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
| Margin rate | 12.375%highest quarter | Not confirmed | 8.75% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
| Interest on cash | Not confirmed | 2.5%below the median | 3% |
Median across 91 listed brokers.
Pros and cons
Fidelity
Pros
- Costs sit at the floor: stock trade fee $0, account fee $0, inactivity fee $0 and minimum deposit $0
- The client entity is listed on the SIPC register as SIPC member 23292, with protection recorded at SIPC up to USD 500,000
- Account types cover retirement and shared holdings: ira, roth ira and joint
Cons
- Support runs on phone and community only, so that list carries no chat or email channel
- Options contracts cost $0.65 each, the main charge where stock dealing is free
- Margin borrowing is priced at 12.375%, a cost on top of the free equity dealing
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
Fidelity
Who it suits
- Retirement savers, since ira, roth ira and joint are all listed as account types
- Buyers investing small amounts, as fractional shares sit in fractional shares, demo account and mobile app
- Traders who want stocks, bonds, funds, options, futures and forex in one place, as stocks, etfs and options shows
Who should look elsewhere
- Traders who want CFDs, since stocks, etfs and options leaves them out and CFI lists stocks, etfs and forex
- Anyone who prefers a required opening deposit, since $0 sets none where Vantage asks $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
Country by country
| Country | Fidelity | Mintos |
|---|---|---|
| United States | Yes | No |
Questions about each
Fidelity
What does it cost to trade stocks at Fidelity?+
Stock dealing is commission-free, with a stock trade fee of $0. The account fee is $0 and the minimum deposit is $0, so there is no standing charge to hold the account. Options contracts are the exception, at $0.65 each.
Is there an inactivity fee if I stop trading?+
The inactivity fee is $0, so an idle account is not charged for sitting still. On the site it ranks 1 of 56 brands measured for that fee. With the account fee at $0, a dormant account carries no listed running cost.
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.
Other options to compare
Other matchups
- Fidelity vs Nexo
- Fidelity vs LANDE
- Fidelity vs Afranga
- Fidelity vs Stash
- Fidelity vs TradeStation
- Fidelity vs Wealthsimple
- Fidelity vs Charles Schwab
- Fidelity vs Finhabits
- Fidelity vs Public
- Fidelity vs tastytrade
- Fidelity vs AJ Bell
- Fidelity vs Moneybox
- Fidelity vs Trading 212
- Fidelity vs Lightspeed Financial
- Fidelity vs Scalable Capital
- Fidelity vs TradeZero
- Fidelity vs Tradier
- Fidelity vs BMO InvestorLine
- Fidelity vs Avanza
- Fidelity vs Saxo
- Fidelity vs LYNX
- Mintos vs ActivTrades
- Fidelity vs XTB
- Fidelity vs NAGA
- Fidelity vs UNest
- Fidelity vs eToro
- Mintos vs Linxea
- Fidelity vs Revolut
- Fidelity vs Robinhood
- Fidelity vs S Broker
- Fidelity vs Kraken
- Fidelity vs EBC Financial Group
- Fidelity vs Traders Place