Updated September 29, 2026 · BrokerCue Editorial Team
Ginmon vs Mintos
Where Ginmon and Mintos differ
| Compare |  Ginmon |  Mintos |
|---|---|---|
| Minimum deposit | €1Lower | €50 |
| Markets | ETFs, Funds | Bonds, ETFs, Crypto |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen | Latvijas Banka, LV LV |
| Deposit and withdrawal fees | Free deposits and withdrawals | Free bank transfer withdrawal; 2% card deposits |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Currency conversion fee | Not confirmed | 0.5% |
| Platforms | Not confirmed | Web, iOS, Android |
| Account types | Corporate | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Ginmon scores higher overall: 9.2 vs 9.0.
- Regulators: only Ginmon offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at Ginmon: 2014 vs 2015.
- Minimum deposit is lower at Ginmon: €1 vs €50.
- Markets: only Ginmon offers Funds.
- Markets: only Mintos offers Bonds, Crypto.
- Support channels: only Ginmon offers Chat, Phone.
- Support channels: only Mintos offers Community.
Our verdict on each
Ginmon
Ginmon is a German robo-advisor for corporate investors who want a managed ETF portfolio without a large starting sum. A management fee of 0.75% plus a minimum investment of €1 keeps the entry point low, though the account type is limited to companies.
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 | Ginmon | Mintos |
|---|---|---|
| Cost | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. | 8.9Account 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 | 9.4Higher | 9.0 |
Side by side, item by item
| Markets | Ginmon | Mintos |
|---|---|---|
| ETFs | Yes | Yes |
| Crypto | No | Yes |
| Bonds | No | Yes |
| Funds | Yes | No |
Where these facts come from
Ginmon
- ginmon.de: 9 facts, checked September 26, 2026
- robo-advisorfinder.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
How they place
| Ranking | Ginmon | Mintos |
|---|---|---|
| Stock and ETF brokers | 99 of 471 | 9 of 471 |
Every fact side by side
| Fact | Ginmon | Mintos |
|---|---|---|
| Features | Not confirmed | Crypto, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | Ginmon Vermögensverwaltung GmbH | SIA Mintos Payments |
| Headquarters | Germany | Latvia |
| Founded | 2014Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centre | Email, Help centre, Community |
P2P lending
| Fact | Ginmon | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | €1Lower | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Ginmon | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | €50above the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| 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 52 listed brokers.
Pros and cons
Ginmon
Pros
- Minimum investment of €1 keeps the entry point low for corporate investors
- No charge for moving money: Free deposits and withdrawals
- Supervised in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, Hauptverwaltung Hessen, so the firm sits inside the German system
Cons
- Management fee of 0.75% sits above the robo-advisor median of 0.35%
- A private account is not among its account types (corporate)
- Shares are not among its markets (etfs and funds), which cover ETFs and funds
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
Ginmon
Who it suits
- Companies that want a managed portfolio set up with a small starting sum
- Investors happy to hold ETFs and funds rather than place orders
- Anyone in Germany who prefers a firm supervised by BaFin
Who should look elsewhere
- Self-directed traders, who may prefer eToro: its management fee is 0% while Ginmon manages the portfolio for you
- Anyone starting with a larger sum may prefer Axos Invest, whose minimum investment is $100
- Private investors: a personal account is not among the account types (corporate)
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 | Ginmon | Mintos |
|---|---|---|
| Germany | Yes | No |
Questions about each
Ginmon
What does Ginmon charge to manage an account?+
Ginmon charges a management fee of 0.75% on the corporate account it manages, and that is the main ongoing cost. The median management fee across robo-advisors is 0.35%, so you can see how Ginmon compares with the middle of the market.
How much do I need to start investing?+
The minimum investment is €1 and the minimum deposit is €1, so a small first transfer is enough. The median minimum investment across robo-advisors is €60.06, which puts Ginmon's entry point below the middle.
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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