Updated September 29, 2026 · BrokerCue Editorial Team
FXTM vs Mintos
FXTM vs Mintos: the differences
| Compare | FXTM ReviewSee alternativesSee alternatives |  Mintos |
|---|---|---|
| Minimum deposit | $10 | €50 |
| Inactivity fee | $5 | €4.90 |
| Markets | Stocks, ETFs, Forex, CFDs, Futures, Crypto, Bonds, MetalsCovers more | Bonds, ETFs, Crypto |
| Regulators | FCA, CySEC | Latvijas Banka, LV LV |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | No deposit fees; withdrawal fees vary by method | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Desktop, Mobile App, MetaTrader 4, MetaTrader 5 | Web, iOS, Android |
| Account fee | Not confirmed | €0 |
| Retail accounts that lose money | 88% | Not confirmed |
| Currency conversion fee | Not confirmed | 0.5% |
| Maximum retail leverage | 1:2000 | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
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Key differences
- FXTM scores higher overall: 9.3 vs 9.0.
- Regulators: only FXTM offers FCA, CySEC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- FXTM is licensed in 1 more country.
- Markets: only FXTM offers Stocks, Forex, CFDs.
- Platforms: only FXTM offers Desktop, Mobile App, MetaTrader 4.
- Platforms: only Mintos offers Web, iOS, Android.
- Support channels: only Mintos offers Email, Community.
- Features: only FXTM offers Demo account, Copy trading.
Our verdict on each
FXTM
FXTM suits traders who want forex, CFDs, futures, crypto and shares under one account, with retail leverage of 1:2000 and dual regulation behind the money. Costs are the compromise: entry is light, but support runs on help centre only, and a dormant account is charged rather than left free.
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 | FXTM | Mintos |
|---|---|---|
| Cost | 9.0HigherEntry costs are light, with a $10 starting deposit and No deposit fees; withdrawal fees vary by method, though dormant accounts pay $5. | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.3Higher | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 9.5Higher | 9.0 |
Feature by feature
| Markets | FXTM | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
| Metals | Yes | No |
How they place
| Ranking | FXTM | Mintos |
|---|---|---|
| Stock and ETF brokers | 68 of 471 | 9 of 471 |
Every fact side by side
| Fact | FXTM | Mintos |
|---|---|---|
| Features | Demo account, Copy trading, Mobile app, CryptoCovers more | 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 | Help centre | Email, Help centre, CommunityCovers more |
P2P lending
| Fact | FXTM | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | FXTM | Mintos | Median |
|---|---|---|---|
| Account fee | Not confirmed | €0at the median | €0 |
| Retail accounts that lose money | 88%highest quarter | 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
FXTM
Pros
- One account spans stocks, etfs and forex.
- The FCA and CySEC both appear under FCA and CySEC, with FSCS up to GBP 85,000 for UK clients.
- Trading runs on Desktop, Mobile App and MetaTrader 4, and demo account, copy trading and mobile app adds a demo account and copy trading.
Cons
- Dormant balances are charged $5, a cost active traders never meet.
- Support runs on help centre only.
- Leverage of 1:2000 magnifies losses, and 88% of retail accounts lose money.
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
FXTM
Who it suits
- Traders who want forex, CFDs, futures, crypto and shares in one place from a $10 start.
- Newcomers who want a demo account and copy trading through demo account, copy trading and mobile app.
- Clients who want regulation in the UK and Cyprus under FCA and CySEC.
Who should look elsewhere
- Anyone who wants to open with nothing: CFI has a $0 minimum.
- Traders focused on shares, ETFs and crypto rather than bonds and metals: eToro's markets are stocks, etfs and forex.
- Small accounts wanting a cheaper opening: Vantage starts at $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
Questions about each
FXTM
What does it cost to open and keep an FXTM account?+
Opening an account starts at $10, and the deposit and withdrawal terms read No deposit fees; withdrawal fees vary by method. The fee to watch is the inactivity charge of $5, which bites once an account sits idle, so running costs stay low only while you keep trading.
Is my money protected at FXTM?+
FXTM is regulated by the FCA and CySEC, and the investor protection stated is FSCS up to GBP 85,000. That cover sits with the regulated entity holding the account, so check which one your account is opened with before treating the protection as your own.
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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