Updated September 29, 2026 · BrokerCue Editorial Team
Finhabits vs Mintos
Where Finhabits and Mintos differ
| Compare |  Finhabits |  Mintos |
|---|---|---|
| Minimum deposit | $0 | €50 |
| Account fee | $120 | €0 |
| Markets | Stocks, ETFs | Bonds, ETFs, Crypto |
| Regulators | U.S. Securities and Exchange Commission (SEC) | Latvijas Banka, LV LV |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| 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 |
| Platforms | Not confirmed | Web, iOS, Android |
| Account types | IRA, Roth IRA | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
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Key differences
- Mintos scores higher overall: 9.0 vs 8.5.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Markets: only Finhabits offers Stocks.
- Markets: only Mintos offers Bonds, Crypto.
- Support channels: only Finhabits offers Phone.
- Support channels: only Mintos offers Community.
- Features: only Mintos offers Crypto.
Our verdict on each
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
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 | Finhabits | Mintos |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 8.9 | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 8.7 | 9.0Higher |
How they place
| Ranking | Finhabits | Mintos |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 9 of 471 |
Where these facts come from
Finhabits
- finhabits.com: 9 facts, checked September 26, 2026
- finder.com: 1 fact, checked September 26, 2026
- flexoffers.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 | Finhabits | Mintos |
|---|---|---|
| Features | Mobile app | Crypto, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Not confirmed |
| Legal entity | Finhabits, Inc. | SIA Mintos Payments |
| Headquarters | United States | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centre | Email, Help centre, Community |
P2P lending
| Fact | Finhabits | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Finhabits | Mintos | Median |
|---|---|---|---|
| Inactivity fee | Not confirmed | €4.90above the median | €2.45 |
| 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 43 listed brokers.
Pros and cons
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
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
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
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 | Finhabits | Mintos |
|---|---|---|
| United States | Yes | No |
Questions about each
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
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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