Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Swissquote
Where Mintos and Swissquote differ
| Compare |  Mintos |  Swissquote |
|---|---|---|
| Minimum deposit | €50 | $1,000 |
| Inactivity fee | €4.90 | $10 |
| Markets | Bonds, ETFs, Crypto | Stocks, Forex, CFDs, Crypto |
| Regulators | Latvijas Banka, LV LV | Commission de Surveillance du Secteur Financier (CSSF) |
| Stock trade fee | Not confirmed | $20 |
| Account fee | €0 | 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 |
| Maximum retail leverage | Not confirmed | 1:100 |
| 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
- Mintos scores higher overall: 9.0 vs 8.8.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Swissquote offers Commission de Surveillance du Secteur Financier (CSSF).
- Founded is lower at Swissquote: 1996 vs 2015.
- Markets: only Mintos offers Bonds, ETFs.
- Markets: only Swissquote offers Stocks, Forex, CFDs.
- Support channels: only Mintos offers Email, Community.
- Support channels: only Swissquote offers Phone.
- Features: only Mintos offers Crypto.
- Features: only Swissquote offers Demo account.
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.
Swissquote
Swissquote runs a Swiss bank entity under CSSF supervision with EU investor compensation, so it suits traders who want a bank behind the account. The trade-off is entry cost: a stock trade fee of $20 and a minimum deposit of $1,000 sit well above cheaper rivals.
Score breakdown
| Area | Mintos | Swissquote |
|---|---|---|
| Cost | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 8.3Costs run high: stock trade fee $20, minimum deposit $1,000 and inactivity fee $10 sit above site medians. |
| Offer | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. | 9.0 |
| Trust | 9.0 | 9.0 |
Positions in our rankings
| Ranking | Mintos | Swissquote |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 187 of 471 |
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
Swissquote
- swissquote.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Swissquote |
|---|---|---|
| Features | Crypto, Mobile app | Demo account, Mobile app |
| Pricing model | Commission free | Not confirmed |
| Legal entity | SIA Mintos Payments | Swissquote Bank Europe SA |
| Headquarters | Latvia | Luxembourg |
| Founded | 2015 | 1996Lower |
| Support channels | Email, Help centre, Community | Phone, Help centre |
P2P lending
| Fact | Mintos | Swissquote |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Robo-advisors
| Fact | Mintos | Swissquote |
|---|---|---|
| Portfolio types | Not confirmed | ESG |
Where each stands against the rest
| Fact | Mintos | Swissquote | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | $20highest quarter | $0 |
| Account fee | €0at the median | Not confirmed | €0 |
| 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 91 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
Swissquote
Pros
- Regulated by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg, with the legal entity named as Swissquote Bank Europe SA.
- Covers stocks, forex, CFDs and crypto on a single account, with retail leverage of 1:100.
- A demo account and a mobile app are both listed features, so you can test before committing.
Cons
- Costs are high for a retail account: a stock trade fee of $20 against a site median of €0.
- The minimum deposit of $1,000 ranks 191 of 213, far above the site median of €4.64.
- An inactivity fee of $10 applies, where the site median is €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
Swissquote
Who it suits
- Traders moving between forex, CFDs, crypto and shares on a single account
- Investors who put weight on a supervised bank entity and investor compensation
- People who want to practise on a demo account before risking money
Who should look elsewhere
- Newcomers with a small starting balance, since the minimum deposit is $1,000
- Share buyers focused on trading costs, given the stock trade fee of $20 against eToro at $0
- Passive long term investors, because the portfolio options listed are esg
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.
Swissquote
How much does it cost to trade shares with Swissquote?+
The stock trade fee is $20, which is well above the site median of €0. Swissquote ranks 161 of 161 on this measure, so share dealing here is costly. eToro, by contrast, charges $0 per trade.
What is the minimum deposit to open an account?+
The minimum deposit is $1,000, which is a high bar for a first account. On our data Swissquote ranks 191 of 213 on this measure, against a site median of €4.64. Vantage asks for $5 and CFI for $0.
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