Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Scalable Capital
Mintos vs Scalable Capital: the differences
| Compare |  Mintos |  Scalable Capital |
|---|---|---|
| Minimum deposit | €50 | €1Lower |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Crypto |
| Regulators | Latvijas Banka, LV LV | Federal Financial Supervisory Authority (BaFin) |
| Interest on cash | 2.5% | 2.6%Higher |
| Account fee | €0 | Not confirmed |
| 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 |
| Platforms | Web, iOS, Android | 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
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Scalable Capital offers Federal Financial Supervisory Authority (BaFin).
- Founded is lower at Scalable Capital: 2014 vs 2015.
- Minimum deposit is lower at Scalable Capital: €1 vs €50.
- Markets: only Mintos offers Bonds.
- Markets: only Scalable Capital offers Stocks.
- Interest on cash is higher at Scalable Capital: 2.6% vs 2.5%.
- Support channels: only Mintos offers Community.
- Support channels: only Scalable Capital offers Phone, Chat.
- 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.
Scalable Capital
Scalable Capital suits investors who want to start small and later hand a pot of money to a managed portfolio. The self-directed account takes a minimum deposit of €1, while the managed plan starts from €20 with fees of 0.245% to 0.375% a year.
Score breakdown
| Area | Mintos | Scalable Capital |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.3Higher |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.3HigherCash interest of 2.6%, a mobile app, and managed portfolios across etf and esg options. |
| Trust | 9.0Higher | 8.6 |
Positions in our rankings
| Ranking | Mintos | Scalable Capital |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 147 of 471 |
Licences and countries
| Country | Mintos | Scalable Capital |
|---|---|---|
| Germany | Not confirmed | Federal Financial Supervisory Authority (BaFin) MiCA CASP 391200Y3EUNL4LTXRP94 |
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
What each covers
| Markets | Mintos | Scalable Capital |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
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
Scalable Capital
- de.scalable.capital: 4 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- scalable.capital: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Scalable Capital |
|---|---|---|
| Features | Crypto, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Legal entity | SIA Mintos Payments | Scalable Capital Bank GmbH |
| Headquarters | Latvia | Germany |
| Founded | 2015 | 2014Lower |
| Support channels | Email, Help centre, Community | Phone, Chat, Email, Help centre |
P2P lending
| Fact | Mintos | Scalable Capital |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | €20Lower |
| Secondary market | Yes | Not confirmed |
Robo-advisors
| Fact | Mintos | Scalable Capital |
|---|---|---|
| Management fee | Not confirmed | 0.245% to 0.375% |
| Portfolio types | Not confirmed | ETF, ESG |
Where each stands against the rest
| Fact | Mintos | Scalable Capital | Median |
|---|---|---|---|
| Minimum deposit | €50above the median | €1at 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 | 2.6%below the median | 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
Scalable Capital
Pros
- A low entry point of €1 on the self-directed account
- Managed portfolios start from €20 with fees of 0.245% to 0.375%
- Regulated by the Federal Financial Supervisory Authority (BaFin) and deposits sit under EU ICS up to EUR 20,000
Cons
- Managed fees of 0.245% to 0.375% a year sit above the cheapest managed rivals
- Support runs on phone, chat and email only, with no branch or in-person service
- Managed portfolios are limited to etf and esg options, so there is no custom mandate
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
Scalable Capital
Who it suits
- New investors who want to build a portfolio in a mobile app from a small first deposit
- Savers with a lump sum who want a ready made ETF or ESG portfolio
- Investors who care more about a named regulator and deposit protection than the lowest management fee
Who should look elsewhere
- You want a wider choice of instruments, as stocks, etfs and crypto is a single market cluster rather than a full exchange list
- You need advice built around you, because managed portfolios cover only etf and esg options
- You are comparing the very lowest managed fee, since 0.245% to 0.375% is not the cheapest on the market
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.
Scalable Capital
What is the minimum deposit to start investing?+
The self-directed account takes a minimum deposit of €1, so you can open and fund it from a small amount. That entry point is well below the typical requirement, which is one of the reasons people try the app first. You can add to it as your savings grow.
How much does the managed portfolio cost?+
Management fees run at 0.245% to 0.375% a year on the managed side, charged on the portfolio rather than per trade. That sits above the cheapest managed plans elsewhere, so it pays to compare before committing a large lump sum. Smaller pots feel the percentage more.
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