Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs quirion
What sets them apart
| Compare |  Mintos |  quirion |
|---|---|---|
| Minimum deposit | €50 | €25Lower |
| Markets | Bonds, ETFs, Crypto | ETFs, Funds |
| Regulators | Latvijas Banka, LV LV | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | free deposits and withdrawals |
| Account fee | €0 | Not confirmed |
| Inactivity fee | €4.90 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Platforms | Web, iOS, Android | Not confirmed |
| Account types | Not confirmed | Joint |
| Interest on cash | 2.5% | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- quirion scores higher overall: 9.2 vs 9.0.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only quirion offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
- Founded is lower at quirion: 2013 vs 2015.
- Minimum deposit is lower at quirion: €25 vs €50.
- Markets: only Mintos offers Bonds, Crypto.
- Markets: only quirion offers Funds.
- Support channels: only Mintos offers Community.
- Support channels: only quirion offers Chat, Phone.
- 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.
quirion
quirion suits German and European savers who want a ready-made portfolio, with regulation by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and money held under the EU investor compensation scheme. A minimum investment of €0 makes it easy to begin, though the ongoing fee is higher than at some rivals.
Score breakdown
| Area | Mintos | quirion |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.4HigherManagement fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.2 |
| Trust | 9.0 | 9.0 |
What each covers
| Markets | Mintos | quirion |
|---|---|---|
| ETFs | Yes | Yes |
| Crypto | Yes | No |
| Bonds | Yes | No |
| Funds | No | Yes |
Availability and regulation
| Country | Mintos | quirion |
|---|---|---|
| Germany | Not confirmed | |
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
Where these facts come from
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
quirion
- quirion.de: 9 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
How they place
| Ranking | Mintos | quirion |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 102 of 471 |
Every fact side by side
| Fact | Mintos | quirion |
|---|---|---|
| Features | Crypto, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Legal entity | SIA Mintos Payments | quirion AG |
| Headquarters | Latvia | Germany |
| Founded | 2015 | 2013Lower |
| Support channels | Email, Help centre, Community | Email, Chat, Phone, Help centre |
P2P lending
| Fact | Mintos | quirion |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | €0Lower |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | quirion | Median |
|---|---|---|---|
| Minimum deposit | €50above the median | €25above the median | €1 |
| Account fee | €0at the median | Not confirmed | €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 52 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
quirion
Pros
- Regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), with money held under the EU investor compensation scheme up to the limit that scheme states
- Portfolio types cover etf, esg and cash, so a cash option sits alongside the ETF and ESG portfolios
- Support runs on email, chat and phone, and a mobile app covers the everyday account tasks
Cons
- The management fee of 0.48% is above the robo-advisor median of 0.35%, so the gap grows with the balance
- Investing covers etfs and funds only, so there is nothing here for readers who want to deal in individual shares
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
quirion
Who it suits
- First-time investors who would rather not choose funds and ETFs themselves
- German and European savers who want a regulated provider with a joint account option
- People who want part of their money in a cash portfolio and the rest managed
Who should look elsewhere
- Readers who want to deal in individual shares: quirion covers etfs and funds, so eToro is the closer fit for self-directed trading
- Readers who prefer to commit a larger sum from the start: Axos Invest asks for a minimum investment of $100, against €0 here
Current offers
quirion
Current offer
Bonus
Studierendendepot: 50 EUR bonus for your first ETF portfolio: 50 EUR
For students, campaign runs until 16.11.2026
Source, checked September 26, 2026
Country by country
| Country | Mintos | quirion |
|---|---|---|
| Germany | No | Yes |
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.
quirion
What does quirion cost?+
The management fee is 0.48%, taken on the portfolio rather than per trade. Deposits and withdrawals carry no charge, and support comes through email, chat and phone. The fee sits above the robo-advisor median of 0.35%, so a large balance costs more than it would at a lower-fee rival.
Is quirion regulated, and what happens to my money if the firm fails?+
quirion is regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the German financial supervisor, so it operates under supervision rather than as an informal saving scheme. Money with quirion is covered by the EU investor compensation scheme up to the limit that scheme states. That protection concerns the firm failing, not the market moving against a portfolio.
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