Updated September 29, 2026 · BrokerCue Editorial Team
Hfm Partners vs Mintos
Where Hfm Partners and Mintos differ
| Compare |  Hfm Partners |  Mintos |
|---|---|---|
| Minimum deposit | $5,000 | €50 |
| Markets | Forex, Metals, CFDs | Bonds, ETFs, Crypto |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | Latvijas Banka, LV LV |
| Platforms | MetaTrader 5, HFM WebTrader, HFM Platform | Web, iOS, Android |
| Account fee | Not confirmed | €0 |
| 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 |
| Interest on cash | Not confirmed | 2.5% |
Same on both: 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 Hfm Partners offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Hfm Partners is licensed in 1 more country.
- Markets: only Hfm Partners offers Forex, Metals, CFDs.
- Markets: only Mintos offers Bonds, ETFs, Crypto.
- Platforms: only Hfm Partners offers MetaTrader 5, HFM WebTrader, HFM Platform.
- Platforms: only Mintos offers Web, iOS, Android.
- Support channels: only Mintos offers Help centre, Community.
- Features: only Hfm Partners offers Demo account.
Our verdict on each
Hfm Partners
Hfm Partners suits traders who can fund a larger starting balance, because its minimum deposit of $5,000 sits well above the entry amounts most brokers ask for here. CySEC and SIPC regulation adds cover, while email only support and a focused market list make it a less obvious choice for smaller accounts.
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 | Hfm Partners | Mintos |
|---|---|---|
| Cost | 8.1 | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 8.8 | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 9.5Higher | 9.0 |
Where each is licensed and available
| Country | Hfm Partners | Mintos |
|---|---|---|
| Cyprus | Not confirmed | |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United States | SIPC SIPC member 71021 | Not confirmed |
Pick Hfm Partners if, pick Mintos if
Pick Hfm Partners if trust matter most.
Pick Mintos if cost and offer matter most.
Side by side, item by item
| Markets | Hfm Partners | Mintos |
|---|---|---|
| ETFs | No | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Crypto | No | Yes |
| Bonds | No | Yes |
| Metals | Yes | No |
What we checked
Hfm Partners
- hfeu.com: 7 facts, checked September 26, 2026
- sipc.org: 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 | Hfm Partners | Mintos |
|---|---|---|
| Features | Mobile app, Demo account | Crypto, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | RB INTERNATIONAL MARKETS (USA) LLC | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Help centre, CommunityCovers more |
P2P lending
| Fact | Hfm Partners | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Hfm Partners | Mintos | Median |
|---|---|---|---|
| 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
Hfm Partners
Pros
- Regulated in Europe and the US under Cyprus Securities and Exchange Commission (CySEC) and SIPC.
- Mobile app and demo account both appear in mobile app and demo account.
- Platform choice spans MetaTrader 5, HFM WebTrader and HFM Platform.
Cons
- The minimum deposit of $5,000 puts it out of reach for small balances.
- Support runs on email only.
- Markets cover forex, metals and cfds only.
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
Hfm Partners
Who it suits
- Traders who can fund $5,000 and put regulation ahead of a low entry amount.
- Focused forex, metals and CFDs traders who want to practise on a demo account.
- EU traders covered by investor protection stated as EU ICS up to EUR 20,000.
Who should look elsewhere
- Anyone starting small: CFI asks a minimum deposit of $0.
- Traders wanting a wider market list, where eToro covers stocks, etfs and forex.
- Low balance traders who prefer a smaller entry: Vantage asks $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
Hfm Partners
What is the minimum deposit at Hfm Partners?+
The stated minimum deposit is $5,000. CFI starts at $0 and Vantage at $5, so Hfm Partners sits at the heavy end of the range compared here. Anyone starting with a smaller balance would be better served by one of those.
Who regulates Hfm Partners?+
Regulation runs through Cyprus Securities and Exchange Commission (CySEC) and SIPC. The Cyprus licence reads 183/12 and the US membership SIPC member 71021. These are separate registrations in separate countries, so the entity your account sits under decides who supervises it.
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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