Updated September 29, 2026 · BrokerCue Editorial Team
Lightspeed Financial vs Mintos
Lightspeed Financial vs Mintos: the differences
| Compare |  Lightspeed Financial |  Mintos |
|---|---|---|
| Minimum deposit | $10,000 | €50 |
| Inactivity fee | $25 | €4.90 |
| Markets | Stocks, ETFs, Options, Futures | Bonds, ETFs, Crypto |
| Regulators | FINRA | Latvijas Banka, LV LV |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Platforms | Lightspeed Trader Pro, Web & Mobile | Web, iOS, Android |
| Stock trade fee | $4.50 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Currency conversion fee | Not confirmed | 0.5% |
| Options contract fee | $0.60 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free bank transfer withdrawal; 2% card deposits |
| Interest on cash | Not confirmed | 2.5% |
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Key differences
- Mintos scores higher overall: 9.0 vs 8.6.
- Regulators: only Lightspeed Financial offers FINRA.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Markets: only Lightspeed Financial offers Stocks, Options, Futures.
- Markets: only Mintos offers Bonds, Crypto.
- Platforms: only Lightspeed Financial offers Lightspeed Trader Pro, Web & Mobile.
- Platforms: only Mintos offers Web, iOS, Android.
- Support channels: only Lightspeed Financial offers Phone.
- Support channels: only Mintos offers Email, Community.
- Features: only Lightspeed Financial offers Demo account.
Our verdict on each
Lightspeed Financial
Lightspeed Financial suits experienced traders and day traders who put on a large amount to clear a steep entry bar. Fees of $4.50 a stock trade, $0.60 an options contract and a $10,000 minimum deposit set it well apart from cheaper platforms such as eToro.
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 | Lightspeed Financial | Mintos |
|---|---|---|
| Cost | 8.4Minimum deposit of $10,000, stock trade fees of $4.50 and an inactivity fee of $25 put costs well above lighter rivals. | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.0 | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 8.6 | 9.0Higher |
Where they rank in our lists
| Ranking | Lightspeed Financial | Mintos |
|---|---|---|
| Stock and ETF brokers | 208 of 471 | 9 of 471 |
Licences and countries
| Country | Lightspeed Financial | Mintos |
|---|---|---|
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United States | FINRA 104369 | Not confirmed |
What we checked
Lightspeed Financial
- lightspeed.com: 3 facts, checked September 26, 2026
- files.brokercheck.finra.org: 2 facts, checked September 26, 2026
- smartasset.com: 2 facts, checked September 26, 2026
- wikistock.cn: 2 facts, checked September 26, 2026
- forexsuggest.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
Every fact side by side
| Fact | Lightspeed Financial | Mintos |
|---|---|---|
| Features | Demo account, Mobile app | Crypto, Mobile app |
| Pricing model | Low fees | Commission free |
| Audience | Experienced, Day traders | Not confirmed |
| Legal entity | Not confirmed | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Help centre | Email, Help centre, Community |
P2P lending
| Fact | Lightspeed Financial | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Lightspeed Financial | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $4.50highest quarter | Not confirmed | $0 |
| Account fee | Not confirmed | €0at the median | €0 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
| Options contract fee | $0.60below the median | Not confirmed | $0.625 |
| Interest on cash | Not confirmed | 2.5%below the median | 3% |
Median across 91 listed brokers.
Pros and cons
Lightspeed Financial
Pros
- Regulated in the US by FINRA, with SIPC cover of SIPC up to USD 500,000
- Trades run across stocks, etfs and options in one account
- A demo account is available to practise before funding
Cons
- A $10,000 minimum deposit is far above the site median of €4.64
- An inactivity fee of $25 applies on dormant accounts
- Support runs on phone and help centre 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
Lightspeed Financial
Who it suits
- Experienced traders who already trade options and futures
- Day traders who keep a large cash balance
- Anyone who wants a single account across stocks, etfs and options
Who should look elsewhere
- New investors, since no beginner audience is listed
- Small savers put off by a $10,000 minimum deposit
- Anyone wanting a free stock trade, as eToro charges $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
Current offers
Lightspeed Financial
Current offer
Bonus
Get Up To $10,000 Cash Back: Up to $10,000
open an account with a $25,000 deposit and maintain the amount for 3 months
Source, checked September 26, 2026
Country by country
| Country | Lightspeed Financial | Mintos |
|---|---|---|
| United States | Yes | No |
Questions about each
Lightspeed Financial
What does it cost to trade stocks at Lightspeed Financial?+
A stock trade costs $4.50. That sits well above the site median stock trade fee of €0, and above what the median-ranked broker in this field charges, so the cost only makes sense for high-volume trading.
What is the minimum deposit?+
You need a minimum deposit of $10,000 to open an account. That is far higher than the site median minimum deposit of €4.64, and it rules out the small-balance investor entirely.
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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