Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Robinhood
Where Mintos and Robinhood differ
| Compare |  Mintos |  Robinhood |
|---|---|---|
| Minimum deposit | €50 | $0 |
| Account fee | €0 | $0 |
| Inactivity fee | €4.90 | $0 |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Options, Futures, Crypto |
| Regulators | Latvijas Banka, LV LV | Bank of Lithuania (LSC), LT BL, SIPC |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | $100 outgoing transfer |
| Platforms | Web, iOS, Android | Robinhood app, Robinhood Legend |
| Stock trade fee | Not confirmed | $0 |
| Currency conversion fee | 0.5% | Not confirmed |
| Margin rate | Not confirmed | 3.95% |
| Options contract fee | Not confirmed | $0 |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Maximum retail leverage | Not confirmed | 10X |
| Interest on cash | 2.5% | Not confirmed |
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
- Robinhood scores higher overall: 9.4 vs 9.0.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Robinhood offers Bank of Lithuania (LSC), LT BL, SIPC.
- Founded is lower at Robinhood: 2013 vs 2015.
- Robinhood is licensed in 1 more country.
- Markets: only Mintos offers Bonds.
- Markets: only Robinhood offers Stocks, Options, Futures.
- Platforms: only Mintos offers Web, iOS, Android.
- Platforms: only Robinhood offers Robinhood app, Robinhood Legend.
- Features: only Robinhood offers Fractional shares, Options, Futures.
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.
Robinhood
Robinhood suits first-time investors and small, regular investors who want nothing charged for holding or trading. It is the cheapest way in on our data, with a minimum deposit of $0, no account fee and no inactivity charge, under the Bank of Lithuania and SIPC.
Score breakdown
| Area | Mintos | Robinhood |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.6HigherStock trades cost $0, options contracts $0, the account fee is $0 and inactivity is $0. |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.3Higher |
| Trust | 9.0 | 9.3Higher |
Positions in our rankings
| Ranking | Mintos | Robinhood |
|---|---|---|
| Stock and ETF brokers | 9 of 490 | 13 of 490 |
Sources behind this comparison
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
Robinhood
- finder.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- mymillennialguide.com: 4 facts, checked September 26, 2026
- financer.com: 2 facts, checked September 26, 2026
- robinhood.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Robinhood |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Fractional shares, Options, Futures, Mobile appCovers more |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Not confirmed | Beginners, Day traders |
| Legal entity | SIA Mintos Payments | Robinhood Europe UAB |
| Headquarters | Latvia | Lithuania |
| Founded | 2015 | 2013Lower |
| Support channels | Email, Help centre, Community | Not confirmed |
P2P lending
| Fact | Mintos | Robinhood |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Robinhood | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.4% |
| Margin rate | Not confirmed | 3.95%lowest quarter | 8.79% |
| Options contract fee | Not confirmed | $0lowest quarter | $0.59 |
| Interest on cash | 2.5%below the median | Not confirmed | 3% |
Median across 81 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
Robinhood
Pros
- Nothing to pay to open or hold an account, with an account fee of $0 and an inactivity fee of $0
- Trading a share costs $0, so a small first order is not eaten by commission
- You can start with a deposit of $0, lower than most brands on our data
Cons
- Leverage is available at 10X, which magnifies losses as well as gains
- Outgoing transfers carry a charge of $100 outgoing transfer
- Margin borrowing is priced at a margin rate of 3.95%, so interest adds to your cost
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
Robinhood
Who it suits
- Beginners opening a first account with a small deposit
- Day-traders working in options, futures and crypto on mobile
- Retirement investors using an IRA, Roth IRA or joint account
Who should look elsewhere
- Vantage if a flat minimum deposit of $5 suits you better
- CFI if you want forex and CFDs alongside shares, since its markets cover stocks, etfs and forex
- eToro if social copy trading matters more than options and futures
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.
Robinhood
What does it cost to trade shares on Robinhood?+
Trading a share costs $0, and an options contract costs $0. There is also an account fee of $0 and an inactivity fee of $0, so nothing is taken for simply holding the account open. Borrowing on margin is charged at a margin rate of 3.95%, which is the main running cost if you use leverage.
Is there a minimum deposit to open a Robinhood account?+
The minimum deposit is $0, so you can open an account and place a small first order without funding a large balance. It is worth comparing that with the deposits other brands ask for before you commit, since the figure varies widely across the market. Outgoing transfers are charged at $100 outgoing transfer, so factor that in if you plan to move money out early.
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