Updated September 29, 2026 · BrokerCue Editorial Team
Linxea vs Mintos
What sets them apart
| Compare |  Linxea |  Mintos |
|---|---|---|
| Minimum deposit | €100 | €50Lower |
| Markets | Funds, Bonds | Bonds, ETFs, Crypto |
| Regulators | ORIAS | Latvijas Banka, LV LV |
| Deposit and withdrawal fees | 0% entry fee on Linxea Avenir 2 | 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 |
| 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 8.7.
- Regulators: only Linxea offers ORIAS.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Minimum deposit is lower at Mintos: €50 vs €100.
- Markets: only Linxea offers Funds.
- Markets: only Mintos offers ETFs, Crypto.
- Support channels: only Linxea offers Phone.
- Support channels: only Mintos offers Email.
- Pricing model: only Linxea offers Low fees.
- Pricing model: only Mintos offers Commission free.
Our verdict on each
Linxea
Linxea sits apart from the brokers on this page because it is a French savings and life insurance platform rather than a share dealing site, and the money sits under EU ICS up to EUR 20,000. It suits savers in France who want funds and bonds held for the long term with no entry charge.
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 | Linxea | Mintos |
|---|---|---|
| Cost | 8.4No entry fee on the Linxea Avenir contract, 0% entry fee on Linxea Avenir 2, though €100 is a high floor. | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.1 | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 8.6 | 9.0Higher |
Where each is licensed and available
| Country | Linxea | Mintos |
|---|---|---|
| France | ORIAS 07031073 | Not confirmed |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
Positions in our rankings
| Ranking | Linxea | Mintos |
|---|---|---|
| Stock and ETF brokers | 7 of 490 | 9 of 490 |
A third option
XTB has minimum deposit at €0, against €100 for Linxea and €50 for Mintos.
XTB reviewWhat we checked
Linxea
- linxea.com: 8 facts, checked September 26, 2026
- bogleheads.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 | Linxea | Mintos |
|---|---|---|
| Features | Not confirmed | Crypto, Mobile app |
| Pricing model | Low fees | Commission free |
| Legal entity | LINXEA SAS | SIA Mintos Payments |
| Headquarters | France | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Help centre, Community | Email, Help centre, Community |
P2P lending
| Fact | Linxea | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Linxea | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €100highest quarter | €50highest quarter | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €0 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
| Interest on cash | Not confirmed | 2.5%below the median | 3% |
Median across 38 listed brokers.
Pros and cons
Linxea
Pros
- No entry fee on the Linxea Avenir contract: 0% entry fee on Linxea Avenir 2
- Deposits start at €100, above the site median of €4.64
- Regulated in France by ORIAS, with EU ICS up to EUR 20,000 behind the money
Cons
- The range is narrow: funds and bonds means no share dealing on this platform
- The minimum deposit of €100 sits well above $0 at CFI
- Regulators listed: ORIAS, with the base in France, so UK clients have no named UK protection
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
Linxea
Who it suits
- French savers who want a long term savings contract, not day trading
- Investors happy to hold funds and bonds rather than trade shares
- People who value a registered French adviser and a clear EU ICS up to EUR 20,000
Who should look elsewhere
- Share traders, since funds and bonds offers funds and bonds only
- UK investors used to free entry, as CFI starts at $0
- Brokers with a wide asset list, such as eToro with stocks, etfs and forex
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
Linxea
Current offer
Bonus
100 EUR offerts ouverture Linxea Spirit 2 enfant mineur: 100 EUR
ouverture d'un contrat Linxea Spirit 2 pour enfant mineur
Source, checked September 26, 2026
Country by country
| Country | Linxea | Mintos |
|---|---|---|
| France | Yes | No |
Questions about each
Linxea
What does it cost to open a Linxea account?+
Opening money on the Linxea Avenir contract carries 0% entry fee on Linxea Avenir 2, so there is no charge for putting money in. The floor is €100, which sits above the €4.64 typical across the brokers compared here. Costs therefore show up in what the contract holds rather than in an entry charge.
What can you actually invest in?+
The listed markets are funds and bonds, so the range is unit funds and bonds rather than individual shares, derivatives or crypto. That suits a saver who wants a managed long term holding. Anyone needing a wider asset list will have to look elsewhere.
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.