Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Trading 212
Where Mintos and Trading 212 differ
| Compare |  Mintos | Trading 212 ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | €50 | £1 |
| Account fee | €0 | £0 |
| Inactivity fee | €4.90 | £0 |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Forex, CFDs |
| Regulators | Latvijas Banka, LV LV | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Platforms | Web, iOS, Android | Trading 212 App, Web Platform |
| Stock trade fee | Not confirmed | £0 |
| 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, Joint |
| Interest on cash | 2.5% | Not confirmed |
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Key differences
- Trading 212 scores higher overall: 9.3 vs 9.0.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Founded is lower at Trading 212: 2006 vs 2015.
- Trading 212 is licensed in 1 more country.
- Markets: only Mintos offers Bonds, Crypto.
- Markets: only Trading 212 offers Stocks, Forex, CFDs.
- Platforms: only Mintos offers Web, iOS, Android.
- Platforms: only Trading 212 offers Trading 212 App, Web Platform.
- 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.
Trading 212
Trading 212 suits UK and European beginners who want flat costs: a stock trade fee of £0, an account fee of £0 and an ISA, SIPP and joint account. Forex and CFDs share the same menu, so the easy entry is the reason to look closer, not to trade heavily.
Score breakdown
| Area | Mintos | Trading 212 |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.3HigherCharges sit at the floor: £0 on a trade, £0 on the account, £0 when idle. |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.2 |
| Trust | 9.0 | 9.5Higher |
Positions in our rankings
| Ranking | Mintos | Trading 212 |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 83 of 471 |
Side by side, item by item
| Markets | Mintos | Trading 212 |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | No |
| Bonds | Yes | No |
Where each is licensed and available
| Country | Mintos | Trading 212 |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
| United Kingdom | Not confirmed |
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
Trading 212
- en.wikipedia.org: 13 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Trading 212 |
|---|---|---|
| Features | Crypto, Mobile app | Fractional shares, Demo account, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | SIA Mintos Payments | Trading 212 Markets Ltd |
| Headquarters | Latvia | Cyprus |
| Founded | 2015 | 2006Lower |
| Support channels | Email, Help centre, Community | Not confirmed |
P2P lending
| Fact | Mintos | Trading 212 |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Trading 212 | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | £0at the median | £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 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
Trading 212
Pros
- Nothing to pay for holding or for going quiet: the account fee reads £0 and the inactivity fee reads £0.
- Trading shares costs £0, the same stock trade fee eToro lists at $0, so the trade price is not the reason to move.
- The entry of £1 sits under the $5 Vantage asks for, which matters for a first transfer.
Cons
- The market list pairs shares and ETFs with forex and CFDs in stocks, etfs and forex, so a platform aimed at beginners, beginners, also carries leveraged products.
- The fee sheet is the easy part: retail accounts lose money at 70.15% across the brokers compared, and a £0 trade cost does not remove that risk.
- The money side runs through Trading 212 Markets Ltd in Cyprus, registered with the Cyprus Securities and Exchange Commission as MiCA CASP 21380045KC28948FNE32, so a UK saver is dealing with a Cyprus entity alongside the UK one.
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
Trading 212
Who it suits
- Beginners and small regular investors who want a low bar to entry, since the minimum deposit is £1 and the app and demo account in fractional shares, demo account and mobile app support a cautious start.
- UK and European savers who care about holding cost, because the account fee of £0 and the inactivity fee of £0 leave the account free to sit and free to open.
- Savers who want a tax-wrapped and shared holding together, since isa, sipp and joint covers an ISA, a SIPP and a joint account under one provider.
Who should look elsewhere
- Not for forex and CFD traders who want a deeper market list: Trading 212 stops at stocks, etfs and forex, while eToro and Vantage cover more of the leveraged side.
- Not for anyone who needs a no-cost opening: CFI takes a minimum deposit of $0 against the £1 asked here.
- Not for savers who want a bigger spread of wrappers: the account range is listed as isa, sipp and joint, which does not stretch to every tax-sheltered account type.
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.
Trading 212
What is the minimum deposit to open a Trading 212 account?+
The published minimum deposit is £1, low enough to open and fund in one step. That entry sits under the €4.64 level seen across the brokers compared here, and under the $5 Vantage asks for, so a small first transfer is enough to get going.
Does Trading 212 charge for keeping an account open or leaving it idle?+
The account fee reads £0 and the inactivity fee reads £0, so neither holding the account nor letting it sit dormant is billed on the published sheet. The €10 inactivity level across the brokers compared sits well above that floor, which is where dormant-account charges usually show up.
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