Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Plum
What sets them apart
| Compare |  Mintos |  Plum |
|---|---|---|
| Minimum deposit | €50 | £2 |
| Account fee | €0 | £0 |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Funds |
| Regulators | Latvijas Banka, LV LV | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Platforms | Web, iOS, Android | Mobile app |
| Stock trade fee | Not confirmed | £0 |
| Inactivity fee | €4.90 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Not confirmed |
| Account types | Not confirmed | ISA, SIPP, Lisa |
| Interest on cash | 2.5% | Not confirmed |
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Key differences
- Mintos scores higher overall: 9.0 vs 8.9.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Plum offers Financial Conduct Authority.
- Founded is lower at Mintos: 2015 vs 2016.
- Markets: only Mintos offers Bonds, Crypto.
- Markets: only Plum offers Stocks, Funds.
- Platforms: only Mintos offers Web, iOS, Android.
- Platforms: only Plum offers Mobile app.
- Support channels: only Mintos offers Community.
- Features: only Mintos offers Crypto.
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.
Plum
Plum is a UK app aimed at beginners who want to start small and pay nothing to hold or trade. Stocks, ETFs and funds sit behind fractional shares, the account fee is £0 and the minimum deposit is £2, so small amounts can be put to work in a SIPP, ISA or LISA.
Score breakdown
| Area | Mintos | Plum |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.3HigherStock dealing is £0, the account fee is £0 and management fees run 0.15% to 0.6% on portfolios. |
| Offer | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. | 8.9 |
| Trust | 9.0Higher | 8.5 |
Licences and countries
| Country | Mintos | Plum |
|---|---|---|
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
Pick Mintos if, pick Plum if
Pick Mintos if offer and trust matter most.
Pick Plum if cost matter most.
Positions in our rankings
| Ranking | Mintos | Plum |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 168 of 471 |
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
Plum
- withplum.com: 10 facts, checked September 26, 2026
- finextra.com: 3 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Plum |
|---|---|---|
| Features | Crypto, Mobile app | Fractional shares, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | SIA Mintos Payments | Plum Fintech Limited |
| Headquarters | Latvia | United Kingdom |
| Founded | 2015Lower | 2016 |
| Support channels | Email, Help centre, CommunityCovers more | Email, Help centre |
P2P lending
| Fact | Mintos | Plum |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | £1 |
| Secondary market | Yes | Not confirmed |
Robo-advisors
| Fact | Mintos | Plum |
|---|---|---|
| Management fee | Not confirmed | 0.15% to 0.6% |
| Portfolio types | Not confirmed | ETF, Cash |
Where each stands against the rest
| Fact | Mintos | Plum | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | £0at the median | £0 |
| 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
Plum
Pros
- Stock trades cost £0 and the account fee is £0, so holding and dealing carry no charge.
- The account opens from £2 and the smallest investment is £1, which suits small regular amounts.
- Fractional shares on a Mobile app let a small sum hold part of a share rather than a whole one.
Cons
- Support runs on email and help centre only, so an urgent question waits for a written answer.
- The market list is stocks, etfs and funds and portfolio types run to etf and cash, so the account is narrow beside a full trading platform.
- The minimum deposit of £2 ranks 89 of 213, and CFI lists a minimum deposit of $0.
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
Plum
Who it suits
- Beginners who want a SIPP, ISA or LISA going from a first deposit of £2.
- Investors who want to pick their own shares and are content with portfolio types of etf and cash.
- Readers who care most about the cost of a trade, since dealing is £0 and the account fee is £0.
Who should look elsewhere
- Anyone wanting a lower floor than the £2 minimum, since CFI lists a minimum deposit of $0.
- Readers comparing purely on dealing costs, since eToro also charges $0 for a stock trade.
- People who want to fund from a higher starting amount: Vantage lists a minimum deposit of $5.
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.
Plum
How much does it cost to use Plum?+
Stock trades cost £0 and the account fee is £0, so there is no dealing charge and no annual subscription to pay. The cost that can appear is the management fee of 0.15% to 0.6% on portfolios, which applies to the managed side rather than to every account. On the cost of holding and dealing, Plum sits at the cheap end of the field.
Is Plum regulated, and is my money protected?+
Plum is regulated by the Financial Conduct Authority, and the account is held with Plum Fintech Limited. The stated investor protection is FSCS up to GBP 85,000, which is the compensation available if the firm cannot pay a valid claim. That is the standard UK arrangement for a firm holding investments, and it is the part to check before depositing.
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