Updated September 29, 2026 · BrokerCue Editorial Team
flatex Online-Broker (DE) vs Mintos
Where flatex Online-Broker (DE) and Mintos differ
| Compare |  flatex Online-Broker (DE) |  Mintos |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Options, Crypto, Bonds, Funds, MetalsCovers more | Bonds, ETFs, Crypto |
| Regulators | BaFin | Latvijas Banka, LV LV |
| Currency conversion fee | 0.4%Lower | 0.5% |
| Deposit and withdrawal fees | Free | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Web, Mobile | Web, iOS, Android |
| Minimum deposit | Not confirmed | €50 |
| Stock trade fee | €5.90 | Not confirmed |
| Inactivity fee | Not confirmed | €4.90 |
| Account types | Joint | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Account fee (€0), Investor protection (EU ICS up to EUR 20,000).
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
- Mintos scores higher overall: 9.0 vs 8.8.
- Regulators: only flatex Online-Broker (DE) offers BaFin.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Currency conversion fee is lower at flatex Online-Broker (DE): 0.4% vs 0.5%.
- Markets: only flatex Online-Broker (DE) offers Stocks, Forex, CFDs.
- Platforms: only flatex Online-Broker (DE) offers Mobile.
- Platforms: only Mintos offers iOS, Android.
- Support channels: only flatex Online-Broker (DE) offers Phone.
- Support channels: only Mintos offers Community.
- Features: only flatex Online-Broker (DE) offers Demo account.
Our verdict on each
flatex Online-Broker (DE)
flatex suits investors who prefer a flat fee per trade and no account charge. A stock trade costs €5.90, the account fee is €0 and deposits and withdrawals are free, so holding an account costs nothing beyond each order placed.
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 | flatex Online-Broker (DE) | Mintos |
|---|---|---|
| Cost | 8.8Account fee of €0, a flat €5.90 per stock trade and free deposits. | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.2 | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 8.6 | 9.0Higher |
Where each is licensed and available
| Country | flatex Online-Broker (DE) | Mintos |
|---|---|---|
| Germany | Not confirmed | |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
Pick flatex Online-Broker (DE) if, pick Mintos if
Pick flatex Online-Broker (DE) if markets and currency conversion fee matter most.
Pick Mintos if trust matter most.
Where they rank in our lists
| Ranking | flatex Online-Broker (DE) | Mintos |
|---|---|---|
| Stock and ETF brokers | 178 of 471 | 9 of 471 |
Where these facts come from
flatex Online-Broker (DE)
- flatex.de: 9 facts, checked September 26, 2026
- brokerchooser.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 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 | flatex Online-Broker (DE) | Mintos |
|---|---|---|
| Features | Crypto, Demo account, Mobile appCovers more | Crypto, Mobile app |
| Pricing model | Low fees | Commission free |
| Legal entity | flatexDEGIRO SE | SIA Mintos Payments |
| Headquarters | Germany | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centre | Email, Help centre, Community |
P2P lending
| Fact | flatex Online-Broker (DE) | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | flatex Online-Broker (DE) | Mintos | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €50above the median | €1 |
| Stock trade fee | €5.90highest quarter | Not confirmed | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €2.45 |
| Currency conversion fee | 0.4%below the median | 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
flatex Online-Broker (DE)
Pros
- No account fee: €0 on the standard account.
- Deposits and withdrawals are free: free.
- A flat stock trade fee of €5.90 rather than a percentage, with currency exchange at 0.4%.
Cons
- The stock trade fee of €5.90 is higher than most rivals, where the site median is €0.
- Only a joint account type is listed in joint, so there is no ISA or SIPP wrapper for UK investors.
- Support runs on email, phone and help centre only, with no live chat listed.
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
flatex Online-Broker (DE)
Who it suits
- Investors in Germany who want a flat fee per trade and no account charge
- Long-term stock, ETF, fund and bond holders rather than active traders
- Anyone who needs crypto, forex, CFDs and options under the same account
Who should look elsewhere
- Day traders, who pay €5.90 on every small order where eToro charges $0
- UK investors after an ISA or SIPP wrapper, since joint lists a joint account only
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
flatex Online-Broker (DE)
Current offer
Bonus
20 commission-free trades on account opening: 20 trades
upon account opening
Source, checked September 26, 2026
Country by country
| Country | flatex Online-Broker (DE) | Mintos |
|---|---|---|
| Germany | Yes | No |
Questions about each
flatex Online-Broker (DE)
What does it cost to trade a stock at flatex?+
A stock trade costs €5.90 per order, the same flat rate on every trade size. There is no account fee, at €0, so holding an account adds nothing to the bill. For comparison, the typical broker charges €0 per stock trade.
Is there any account or inactivity fee?+
The account fee is €0, so there is nothing to pay for holding the account open. No separate inactivity charge appears in the available details. Across the brokers listed, the highest account fee reaches €219.24.
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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