Updated September 29, 2026 · BrokerCue Editorial Team
LYNX vs Mintos
LYNX vs Mintos: the differences
| Compare |  LYNX |  Mintos |
|---|---|---|
| Minimum deposit | $0 | €50 |
| Inactivity fee | €5 | €4.90Lower |
| Markets | Stocks, ETFs, Forex, Options, Futures, Bonds, Funds | Bonds, ETFs, Crypto |
| Deposit and withdrawal fees | One withdrawal per month free | Free bank transfer withdrawal; 2% card deposits |
| Platforms | LYNX+, Trader Workstation, Trading App | Web, iOS, Android |
| Stock trade fee | $5 | Not confirmed |
| Regulators | Not confirmed | Latvijas Banka, LV LV |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Currency conversion fee | Not confirmed | 0.5% |
| Margin rate | 7.1% | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Account fee (€0).
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Key differences
- LYNX scores higher overall: 9.3 vs 9.0.
- Inactivity fee is lower at Mintos: €4.90 vs €5.
- Markets: only LYNX offers Stocks, Forex, Options.
- Markets: only Mintos offers Crypto.
- Platforms: only LYNX offers LYNX+, Trader Workstation, Trading App.
- Platforms: only Mintos offers Web, iOS, Android.
- Features: only LYNX offers Fractional shares, Demo account.
- Features: only Mintos offers Crypto.
- Pricing model: only LYNX offers Low fees.
- Pricing model: only Mintos offers Commission free.
Our verdict on each
LYNX
LYNX suits experienced traders who want a long list of markets behind the same account. The account fee is €0 and the minimum deposit is $0, so holding costs nothing, while a stock trade fee of $5 makes dealing the cost centre.
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 | LYNX | Mintos |
|---|---|---|
| Cost | 9.0HigherCostly to trade: stock trade fees rank 139 of 161 and the inactivity fee 34 of 56, against an account fee of €0. | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.6Higher | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | Not confirmed | 9.0 |
Where each is licensed and available
| Country | LYNX | Mintos |
|---|---|---|
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
A third option
Nectaro has inactivity fee at €0, against €5 for LYNX and €4.90 for Mintos.
Nectaro reviewHow they place
| Ranking | LYNX | Mintos |
|---|---|---|
| Stock and ETF brokers | 74 of 471 | 9 of 471 |
Every fact side by side
| Fact | LYNX | Mintos |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app | Crypto, Mobile app |
| Pricing model | Low fees | Commission free |
| Audience | Experienced | Not confirmed |
| Legal entity | Not confirmed | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Not confirmed | Email, Help centre, Community |
P2P lending
| Fact | LYNX | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | LYNX | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $5highest quarter | Not confirmed | $0 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | €5above the median | €4.90above the median | €2.45 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
| Margin rate | 7.1%below the median | Not confirmed | 8.75% |
| Interest on cash | Not confirmed | 2.5%below the median | 3% |
Median across 91 listed brokers.
Pros and cons
LYNX
Pros
- Nothing to pay for the account itself: fees run €0 and the minimum deposit is $0.
- The same account covers stocks, etfs and forex, putting shares, funds, bonds and derivatives under one roof.
- Platform choice runs from the LYNX+ terminal to the Trader Workstation and a mobile app, and a demo account with fractional shares comes with it.
Cons
- A stock trade fee of $5 applies to every deal, so frequent dealing raises the bill quickly.
- An inactivity fee of €5 applies, so money left untouched still carries a charge.
- A margin rate of 7.1% means a small deposit can control a much larger position.
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
LYNX
Who it suits
- Experienced traders: the audience listed is experienced, and the account is priced as a low fee model.
- Anyone who wants stocks, etfs and forex sitting in the same login.
- Traders who want to practise first, with a demo account and fractional shares alongside a mobile app.
Who should look elsewhere
- eToro for occasional share buying: its stock trade fee is $0 against $5 at LYNX, so small repeated deals cost more here.
- Vantage for anyone who must start with a deposit: the minimum deposit there is $5 while LYNX opens at $0.
- CFI for CFD and crypto trading, since its markets run to stocks, etfs and forex while LYNX runs to 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
Questions about each
LYNX
What does LYNX charge to open and hold an account?+
Opening and holding are free: the account fee is €0 and the minimum deposit is $0. Costs appear only when you trade, through a stock trade fee of $5. The account is priced overall as a low fee model rather than a subscription service.
What does a stock trade cost on LYNX?+
A stock trade costs $5 with no account fee on top, and the same account also carries forex, options, futures, bonds and funds. On share dealing alone LYNX sits near the back of the brands compared, at 139 of 161.
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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