Updated September 29, 2026 · BrokerCue Editorial Team
Freedom24 vs Mintos
Where Freedom24 and Mintos differ
| Compare |  Freedom24 |  Mintos |
|---|---|---|
| Minimum deposit | €0Lower | €50 |
| Inactivity fee | €0Lower | €4.90 |
| Markets | Stocks, ETFs, Options, Bonds | Bonds, ETFs, Crypto |
| Regulators | CySEC | Latvijas Banka, LV LV |
| Currency conversion fee | 0.005%Lower | 0.5% |
| Deposit and withdrawal fees | EUR 7 per withdrawal | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Freedom24 App, Freedom24 Web | Web, iOS, Android |
| Stock trade fee | €2 | Not confirmed |
| Options contract fee | $0.65 | 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 8.9.
- Regulators: only Freedom24 offers CySEC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at Freedom24: 2013 vs 2015.
- Minimum deposit is lower at Freedom24: €0 vs €50.
- Inactivity fee is lower at Freedom24: €0 vs €4.90.
- Currency conversion fee is lower at Freedom24: 0.005% vs 0.5%.
- Markets: only Freedom24 offers Stocks, Options.
- Markets: only Mintos offers Crypto.
- Platforms: only Freedom24 offers Freedom24 App, Freedom24 Web.
Our verdict on each
Freedom24
Freedom24 suits European investors who want stocks, ETFs, options and bonds under one CySEC-regulated roof, and who would rather not pay an annual account charge of €0. A euro minimum deposit of €0 keeps entry easy, while per-deal trading costs make it a better fit for occasional buyers than for frequent traders.
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 | Freedom24 | Mintos |
|---|---|---|
| Cost | 9.2HigherCost is middling: account fee €0 and minimum deposit €0 are nil, but €2 per deal is high against the €0 median. | 8.9Account 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 | Freedom24 | Mintos |
|---|---|---|
| Stock and ETF brokers | 161 of 471 | 9 of 471 |
Licences and countries
| Country | Freedom24 | Mintos |
|---|---|---|
| Cyprus | CySEC 275/15 | Not confirmed |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
Choosing between them
Pick Freedom24 if cost, minimum deposit, inactivity fee, and currency conversion fee matter most.
Pick Mintos if offer and trust matter most.
Side by side, item by item
| Markets | Freedom24 | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Options | Yes | No |
| Crypto | No | Yes |
| Bonds | Yes | Yes |
What we checked
Freedom24
- forex.wikibit.com: 3 facts, checked September 26, 2026
- matchmybroker.com: 3 facts, checked September 26, 2026
- ucits-etfs.com: 3 facts, checked September 26, 2026
- beinoption.vercel.app: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 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 | Freedom24 | Mintos |
|---|---|---|
| Features | Options, Mobile app | Crypto, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | Freedom Finance Europe Ltd | SIA Mintos Payments |
| Headquarters | Cyprus | Latvia |
| Founded | 2013Lower | 2015 |
| Support channels | Not confirmed | Email, Help centre, Community |
P2P lending
| Fact | Freedom24 | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Freedom24 | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €0below the median | €50above the median | €1 |
| Stock trade fee | €2above the median | Not confirmed | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | €0below the median | €4.90above the median | €2.45 |
| Currency conversion fee | 0.005%lowest quarter | 0.5%above the median | 0.45% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
Median across 52 listed brokers.
Pros and cons
Freedom24
Pros
- Account fee €0 and inactivity fee €0 leave the cost of holding an account at nil.
- A minimum deposit of €0 sits well under the €6.17 median for stock brokers.
- A single account covers stocks, etfs and options, so an ETF, a bond and an option sit together.
Cons
- A stock trade fee of €2 ranks 126 of 161 on the site, well behind the field.
- Withdrawals cost EUR 7 per withdrawal each.
- Currency conversion is charged at 0.005% on positions held outside the euro.
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
Freedom24
Who it suits
- Investors who want stocks, etfs and options in one account with an account fee of €0.
- Savers who prefer a euro starting point of €0 and a firm authorised in Cyprus under 275/15.
- People who trade from a phone as well as a browser, since Freedom24 App and Freedom24 Web lists the Freedom24 App and web platform.
Who should look elsewhere
- eToro, if the cost of each trade decides it, because its stock trade fee is $0.
- Vantage, if you would rather start with a deposit of $5 than fund the account from the first unit.
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
Freedom24
What does a trade cost at Freedom24?+
A stock trade costs €2, with options at $0.65 per contract and currency conversion at 0.005%. That per-deal cost is the number to weigh, since the account fee of €0 adds nothing to it.
Is there an account fee or an inactivity charge?+
The account fee is €0 and the inactivity fee is €0. Both rank 1 on the site, so an unused account does not start costing money. That suits investors who top up in small amounts rather than trading often.
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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