Updated October 13, 2026 · BrokerCue Editorial Team
Mintos vs Optimus Futures
Facts checked September 26, 2026.
Where Mintos and Optimus Futures differ
| Compare |  Mintos |  Optimus Futures |
|---|---|---|
| Minimum deposit | €50 | $500 |
| Account fee | €0 | $0 |
| Markets | Bonds, ETFs, Crypto | Futures |
| Platforms | Web, iOS, Android | Optimus Flow Desktop, Optimus Flow Web, Optimus Mobile |
| Inactivity fee | €4.90 | Not confirmed |
| Regulators | Latvijas Banka, LV LV | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Not confirmed |
| Maximum retail leverage | Not confirmed | Day margins from $50 micros / $500 E-minis |
| Interest on cash | 2.5% | Not confirmed |
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Key differences
- Markets: only Mintos offers Bonds, ETFs, Crypto.
- Markets: only Optimus Futures offers Futures.
- Platforms: only Mintos offers Web, iOS, Android.
- Platforms: only Optimus Futures offers Optimus Flow Desktop, Optimus Flow Web, Optimus Mobile.
- Support channels: only Optimus Futures offers Chat, Phone.
- Features: only Mintos offers Crypto.
- Features: only Optimus Futures offers Demo account.
- Pricing model: only Mintos offers Commission free.
- Pricing model: only Optimus Futures offers Low fees.
Our verdict on each
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.
Optimus Futures
For active futures traders focused on micro contracts, Optimus Futures operates as a dedicated futures broker with its own desktop, web and mobile platform. It suits retail participants who want futures specific charts, DOM tools and structured learning for different experience levels.
Score breakdown
| Area | Mintos | Optimus Futures |
|---|---|---|
| Cost | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 8.8 |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.2 |
| Trust | 9.0 | Not confirmed |
Availability and regulation
| Country | Mintos | Optimus Futures |
|---|---|---|
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
Feature by feature
| Markets | Mintos | Optimus Futures |
|---|---|---|
| ETFs | Yes | No |
| Futures | No | Yes |
| Crypto | Yes | No |
| Bonds | Yes | No |
What we checked
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
Optimus Futures
- optimusfutures.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Optimus Futures |
|---|---|---|
| Features | Crypto, Mobile app | Demo account, Mobile app |
| Pricing model | Commission free | Low fees |
| Legal entity | SIA Mintos Payments | Not confirmed |
| Headquarters | Latvia | United States |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Help centre, Community | Email, Chat, Phone, Help centre, CommunityCovers more |
P2P lending
| Fact | Mintos | Optimus Futures |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Optimus Futures | Median |
|---|---|---|---|
| Inactivity fee | €4.90above the median | Not confirmed | €2.45 |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.45% |
| Interest on cash | 2.5%below the median | Not confirmed | 3% |
Median across 43 listed brokers.
Pros and cons
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
Optimus Futures
Pros
- Customisable desktop, web and mobile platform built for futures trading styles
- Chart, DOM and TPO profile tools support order flow and price analysis
- Simulated trading helps newer futures traders practise before live orders
Cons
- Covers futures only, so choice outside futures contracts stays limited
- Platform focus on charts, DOM and backtesting suits active trading styles
Who each suits
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
Optimus Futures
Who it suits
- Active traders focused on futures contracts
- Learners who want guides, videos and simulated practice
- Traders who want desktop, web and mobile access
Who should look elsewhere
- Investors seeking asset types beyond futures
- Casual investors wanting a general purpose account
Current offers
Optimus Futures
Current offer
Free trial
Free Trial
Free Trial of Optimus Flow platform
Source, checked September 26, 2026
Questions about each
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.
Optimus Futures
Which platforms can traders use?+
Traders can work across desktop, web based and mobile access under the Optimus name. The setup is built to allow trading at home, at work or while travelling. Charting, order entry and market monitoring remain available across devices.
What analysis tools does the platform include?+
The platform includes chart panels with graphical and analytical tools for trading decisions. A DOM panel shows buy and sell orders around the current price, while the DOM Surface tracks order book changes. A TPO profile shows price distribution over a chosen period.
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