Updated September 29, 2026 · BrokerCue Editorial Team
Interactive Brokers vs Mintos
Where Interactive Brokers and Mintos differ
| Compare |  Interactive Brokers |  Mintos |
|---|---|---|
| Minimum deposit | $0 | €50 |
| Markets | Bonds, ETFs, Forex, Funds, Futures, Options, Stocks | Bonds, ETFs, Crypto |
| Regulators | SEC, FCA, SIPC | Latvijas Banka, LV LV |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Platforms | Client Portal, IBKR Desktop, IBKR Mobile, Trader Workstation | Web, iOS, Android |
| Interest on cash | 3.38%Higher | 2.5% |
| Stock trade fee | $0 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Currency conversion fee | Not confirmed | 0.5% |
| Margin rate | 4.38% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free bank transfer withdrawal; 2% card deposits |
| Account types | ISA, SIPP, IRA, Joint, Corporate | Not confirmed |
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Key differences
- Interactive Brokers scores higher overall: 9.6 vs 9.0.
- Regulators: only Interactive Brokers offers SEC, FCA, SIPC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at Interactive Brokers: 1978 vs 2015.
- Interactive Brokers is licensed in 1 more country.
- Markets: only Interactive Brokers offers Forex, Funds, Futures.
- Markets: only Mintos offers Crypto.
- Platforms: only Interactive Brokers offers Client Portal, IBKR Desktop, IBKR Mobile.
- Platforms: only Mintos offers Web, iOS, Android.
- Interest on cash is higher at Interactive Brokers: 3.38% vs 2.5%.
Our verdict on each
Interactive Brokers
Interactive Brokers suits investors who want a single account across ISA, SIPP, IRA, joint and corporate holdings, with stocks, bonds, funds, forex, options and futures behind it. It ranks 1 of 213 brands on minimum deposit at $0, and stock trades are charged at $0.
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 | Interactive Brokers | Mintos |
|---|---|---|
| Cost | 9.3HigherStock trades cost $0, the minimum deposit is $0 and an options contract costs $0.65. | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.6HigherAccount types cover isa, sipp and ira, and the market list spans bonds, etfs and forex. | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 9.8Higher | 9.0 |
Licences and countries
| Country | Interactive Brokers | Mintos |
|---|---|---|
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United Kingdom | FCA 208159 | Not confirmed |
| United States | SIPC SIPC member 53615 | Not confirmed |
Also worth a look
Nexo has interest on cash at 13%, against 3.38% for Interactive Brokers and 2.5% for Mintos.
Nexo reviewHow they place
| Ranking | Interactive Brokers | Mintos |
|---|---|---|
| Stock and ETF brokers | 44 of 471 | 9 of 471 |
Every fact side by side
| Fact | Interactive Brokers | Mintos |
|---|---|---|
| Features | Fractional shares, Mobile app | Crypto, Mobile app |
| Pricing model | Commission free, Low feesCovers more | Commission free |
| Legal entity | INTERACTIVE BROKERS LLC | SIA Mintos Payments |
| Headquarters | United States | Latvia |
| Founded | 1978Lower | 2015 |
| Support channels | Help centre, Community | Email, Help centre, CommunityCovers more |
Robo-advisors
| Fact | Interactive Brokers | Mintos |
|---|---|---|
| Minimum investment | Not confirmed | €50 |
| Portfolio types | ETF | Not confirmed |
P2P lending
| Fact | Interactive Brokers | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Interactive Brokers | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| 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% |
| Margin rate | 4.38%below the median | Not confirmed | 8.75% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
Median across 91 listed brokers.
Pros and cons
Interactive Brokers
Pros
- A stock trade costs $0 and the minimum deposit is $0, the pairing behind rank 1 of 161 on stock trade fees among the brokers tracked here.
- The account types listed cover isa, sipp and ira, so an ISA, SIPP, IRA, joint or corporate account all sit under a single provider.
- bonds, etfs and forex puts stocks, ETFs, bonds, funds, forex, options and futures on the same account, with a margin rate of 4.38% for geared positions.
Cons
- Support runs on help centre and community, so a phone line and live chat sit outside the offer.
- bonds, etfs and forex covers shares, ETFs, bonds, funds, forex, options and futures but leaves out crypto and CFDs, which eToro lists in stocks, etfs and forex.
- An options contract costs $0.65 against a stock trade at $0, so options strategies pay a visible premium per contract.
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
Interactive Brokers
Who it suits
- Investors holding money across several wrappers, since the account types listed cover isa, sipp and ira.
- Traders who want options, futures, forex and bonds alongside shares on a single account, per bonds, etfs and forex.
- Anyone starting with a small balance: the minimum deposit is $0 and fractional shares appear in the feature list (fractional shares and mobile app).
Who should look elsewhere
- Anyone who trades crypto or CFDs, since bonds, etfs and forex leaves both out while eToro lists them in stocks, etfs and forex.
- Readers who want a stated entry figure as a signal of the provider's target size, since Vantage publishes $5 where this broker's minimum is $0.
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
Interactive Brokers
What does it cost to trade shares?+
A stock trade is charged at $0 and the minimum deposit is $0, so opening an account and dealing in shares carry no charge. The money sits in derivatives and leverage instead, where an options contract costs $0.65 and the margin rate is listed at 4.38%.
Is my money protected?+
The regulatory list runs to SEC, FCA and SIPC, and investor protection is stated as SIPC up to USD 500,000. The UK entry is the FCA under licence 208159, while the US side names the SEC and the SIPC membership SIPC member 53615. The protection figure describes the scheme stated for the account and says nothing about how a trade performs.
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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