Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Wealthyhood
What sets them apart
| Compare |  Mintos |  Wealthyhood |
|---|---|---|
| Minimum deposit | €50 | €1Lower |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs |
| Regulators | Latvijas Banka, LV LV | Hellenic Capital Markets Commission, Financial Conduct Authority |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Free bank transfers; free card deposits up to EUR 2500 then 0.75% |
| Platforms | Web, iOS, Android | Web, iOS app, Android app |
| Interest on cash | 2.5%Higher | 2.36% |
| Stock trade fee | Not confirmed | €0 |
| Inactivity fee | €4.90 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
Same on both: Account fee (€0), Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Wealthyhood scores higher overall: 9.3 vs 9.0.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Wealthyhood offers Hellenic Capital Markets Commission, Financial Conduct Authority.
- Wealthyhood is licensed in 1 more country.
- Minimum deposit is lower at Wealthyhood: €1 vs €50.
- Markets: only Mintos offers Bonds, Crypto.
- Markets: only Wealthyhood offers Stocks.
- Platforms: only Mintos offers iOS, Android.
- Platforms: only Wealthyhood offers iOS app, Android app.
- Interest on cash is higher at Mintos: 2.5% vs 2.36%.
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.
Wealthyhood
Wealthyhood suits Greeks and British retail investors who want to build a portfolio of stocks and ETFs without paying per trade. Trading costs €0 and the account fee is €0, so the cost side is the reason to look here first. The catch is a small product range and support by email and help centre.
Score breakdown
| Area | Mintos | Wealthyhood |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.3Higher |
| Offer | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. | 8.9Trading stocks and ETFs costs €0 with €0 account fee, commission free model. |
| Trust | 9.0 | 9.5Higher |
Side by side, item by item
| Markets | Mintos | Wealthyhood |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | No |
| Bonds | Yes | No |
Licences and countries
| Country | Mintos | Wealthyhood |
|---|---|---|
| Greece | Not confirmed | |
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
| United Kingdom | Not confirmed | Financial Conduct Authority 933675 |
What we checked
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
Wealthyhood
- wealthyhood.com: 15 facts, checked September 26, 2026
How they place
| Ranking | Mintos | Wealthyhood |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 85 of 471 |
Every fact side by side
| Fact | Mintos | Wealthyhood |
|---|---|---|
| Features | Crypto, Mobile app | Fractional shares, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners, Experienced |
| Legal entity | SIA Mintos Payments | Wealthyhood Europe AEPEY |
| Headquarters | Latvia | Greece |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Help centre, CommunityCovers more | Email, Help centre |
P2P lending
| Fact | Mintos | Wealthyhood |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | €1Lower |
| Secondary market | Yes | Not confirmed |
Robo-advisors
| Fact | Mintos | Wealthyhood |
|---|---|---|
| Portfolio types | Not confirmed | ETF, Cash |
Where each stands against the rest
| Fact | Mintos | Wealthyhood | Median |
|---|---|---|---|
| Minimum deposit | €50above the median | €1at the median | €1 |
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | €0at the median | €0at the median | €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 | 2.36%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
Wealthyhood
Pros
- Trading stocks and ETFs costs €0 and the account fee is €0
- A minimum deposit of €1 and a minimum investment of €1 keep entry small
- Fractional shares and a mobile app are both available, with access on Web, iOS app and Android app
Cons
- Support runs on email and help centre only, with no phone or live chat listed
- The range is limited to stocks and etfs
- Investor compensation sits at EU ICS up to EUR 20,000, below larger cash holdings
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
Wealthyhood
Who it suits
- Greeks and British investors regulated in the UK and Greece, with the entity operating as Wealthyhood Europe AEPEY
- Beginners and experienced investors building a long term stock and ETF portfolio
- Small investors who want fractional shares and a low entry point
Who should look elsewhere
- Brokers wanting broader asset classes than stocks and etfs
- Traders who need phone or live chat support, since contact is limited to email and help centre
- Anyone holding a large cash balance, as cover stops at EU ICS up to EUR 20,000
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.
Wealthyhood
What does it cost to trade stocks and ETFs?+
Trading costs €0 and the account fee is €0, so there is no per trade charge or annual cost on the standard account. Wealthyhood runs a commission free model. The free bank transfers keep money moving in and out without a fee.
What is the minimum deposit and investment?+
The minimum deposit is €1 and the minimum investment is €1. That makes small, regular amounts workable, and fractional shares let a portion of a share be bought. The app and web platform both handle orders.
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